Attending Physician Statement - Overview

Overview

In structured underwriting the data capture process with the proposed insured is asked very detailed questions to attempt to reduce the number of attending physician's statements necessary. However, many medical conditions require supporting evidence from the physician. This is where an APS Summary can assist the underwriter in evaluating the proposed insured’s medical risk(s). The APS summaries however, are only as good as the underwriter's experience which varies widely from person to person. Additionally, APS summaries when processed without a “template structure” guiding the information gathered from the APS often yield inconsistent or miss critical underwriting information. Either inconsistent or missing underwriting information will compromise the risk analysis process.

By leveraging a seasoned underwriter's knowledge and experiences, scripts can be built that ensure the appropriate medical information is captured and recorded from the APS document. This is done creating scripts that prompt the person summarizing the APS to enter all pertinent specific medical condition uncovered.