Medical Underwriting Research Paper

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Medical Underwriting

Underwriting involves assessment of risk - Medical, Financial, Occupational, Residential risk & etc….

Let us discuss some points about Medical Underwriting.

Collecting a recent photo and comparing with the Age Proof given will help us to avoid misstatement of age which affects mortality assumptions. Doing medicals through panel Doctors help in avoiding moral hazard. Last but the least all reports should be received with client identification slip and ID proof duly signed by the panel doctor with seal and signature.

MER

MER contains measurement of height, weight, blood pressure, abdomen girth, chest expansion and pulse. Assessing the details will help us in understand the health of the proposer in a broader …show more content…
Accepted standard BMI is 16 – 31. This BMI range is not applicable to minors and there is separate table for them. Overweight is a risk factor for Diabetes, Cardiac, renal and other degenerative diseases. Underweight may indicate anemia, acute infections, TB and respiratory diseases. Sudden decrease in weight may be due to cancers. Hence checking change in weight within 6 months along with BMI is a must.

BLOOD PRESSURE

Higher value in BP denotes Systolic blood pressure and lower denotes Diastolic blood pressure. The readings must be taken thrice. Any deviation from the normal rating (120 – 80) indicates some abnormality in Cardiac functioning and may lead to arterial diseases.

PULSE

60 to 90 is accepted as normal pulse rate. Irregular pulse may indicate presence of heart disease that could be further investigated by echocardiogram.

HEALTH RELATED QUESTIONS

In case any of the health related Questions are marked yes, the details should be provided and attending physician report could be called for.

PATHOLOGICAL …show more content…
Decreased Hemoglobin signifies anemia which may be due to hyperthyroidism, liver cirrhosis, severe hemorrhage, hemolytic reactions and cancer. Increased HB may indicate temporary pulmonary disorders, congestive heart failure, etc . Increased WBC denotes infection or permanent leukemia. Platelets are essential for blood clotting. Abnormal increase in platelet may be due to cancer, acute infection, trauma, leukemia, polcythemia. Decrease in platelet count may be due to anemia, during cancer therapy and drug toxicity.

ROUTINE UREA ANALYSIS:

Microscopic study of urine tests is done for knowing the presence of protein, glucose, casts, ketones, creatinine, RBC, epithelial cells, pus cells, other deposits, PH value, specific gravity etc. Proteinuria in a diabetic or hypertensive person denotes nephopathy. Glucosuria in a diabetic suggests that the renal threshold level is affected and indicates uncontrolled diabetic. Hematuria (blood) may indicate stones, nephritis, tumors, prostrate disease. Pyuria (pus) may indicate cystitis, urethritis and prostatitis. Casts like RBC casts, granular casts and fatty casts indicate renal disease.
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