Medical underwriting is a health insurance term referring to the use of medical or health information in the evaluation of an applicant for coverage, typically for life or health insurance. As part of the underwriting process, an individual's health information may be used in making two decisions: whether to offer or deny coverage and what premium rate to set for the policy.
Medical underwriting is a process used in health insurance that involves evaluating an applicant's health history to determine their eligibility for coverage and set the appropriate premium.