What is the definition of "medical underwriting" in health insurance?

The definition of "medical underwriting" in health insurance is centered around the evaluation of a person's medical history by insurers to determine eligibility and premium rates. This process involves collecting and analyzing detailed information regarding an individual's past medical conditions, treatments, and overall health status.

By examining this information, insurance companies can ascertain the level of risk associated with insuring that individual. Those with pre-existing conditions or a history of serious health issues may be seen as higher risk, which can influence both their eligibility for coverage and the premiums they are charged.

This approach ensures that the insurance provider can adequately protect itself against high-risk individuals while also allowing them to offer tailored coverage based on individual health profiles. Other choices do not encapsulate the comprehensive assessment process involving medical history, which is crucial for determining an individual's insurability and cost of coverage.