Medical underwriting (original) (raw)
醫療核保（英語：Medical underwriting）是一種醫療保險的用語，是指人們在申請保險（通常是人壽保險，或者醫療保險）覆蓋的時候，保險公司取得申請人的醫療或健康資訊做評估。核保後，做出兩種決定：接受，或是拒絕承保，以及在接受時，訂出保險費率。最常見的兩種醫療核保的形式：延遲承保（手續相對簡單）和全面醫療核保（需要深入分析客戶的健康資訊）。在某些市場裡面，醫療核保可能會受到法律的限制。如果可使用的話，使用的標準應該要客觀的、與提供覆蓋的相關成本做明確的聯結、實務上可管理、符合適用的法律、並能維護保險系統的長期生存能力。 承保人（保險公司）在此過程中會把申請人的健康狀況、年齡、工作性質、和所在的地理區域都列入考慮。考慮之後，保險公司會表達是否願意承保，以及應收取什麼樣的保費。
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| dbo:abstract | 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. The two most common methods of medical underwriting are known as moratorium underwriting, a relatively simple process, and full medical underwriting, a more indepth analysis of a client's health information. The use of medical underwriting may be restricted by law in certain insurance markets. If allowed, the criteria used should be objective, clearly related to the likely cost of providing coverage, practical to administer, consistent with applicable law, and designed to protect the long-term viability of the insurance system. It is the process in which an underwriter considers the health conditions of the person who is applying for the insurance, keeping in mind certain factors like health condition, age, nature of work, and geographical zone. After looking at all the factors, an underwriter suggests whether a policy should be given to the person and at what price, or premium. (en) 醫療核保（英語：Medical underwriting）是一種醫療保險的用語，是指人們在申請保險（通常是人壽保險，或者醫療保險）覆蓋的時候，保險公司取得申請人的醫療或健康資訊做評估。核保後，做出兩種決定：接受，或是拒絕承保，以及在接受時，訂出保險費率。最常見的兩種醫療核保的形式：延遲承保（手續相對簡單）和全面醫療核保（需要深入分析客戶的健康資訊）。在某些市場裡面，醫療核保可能會受到法律的限制。如果可使用的話，使用的標準應該要客觀的、與提供覆蓋的相關成本做明確的聯結、實務上可管理、符合適用的法律、並能維護保險系統的長期生存能力。 承保人（保險公司）在此過程中會把申請人的健康狀況、年齡、工作性質、和所在的地理區域都列入考慮。考慮之後，保險公司會表達是否願意承保，以及應收取什麼樣的保費。 (zh) |
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| rdfs:comment | 醫療核保（英語：Medical underwriting）是一種醫療保險的用語，是指人們在申請保險（通常是人壽保險，或者醫療保險）覆蓋的時候，保險公司取得申請人的醫療或健康資訊做評估。核保後，做出兩種決定：接受，或是拒絕承保，以及在接受時，訂出保險費率。最常見的兩種醫療核保的形式：延遲承保（手續相對簡單）和全面醫療核保（需要深入分析客戶的健康資訊）。在某些市場裡面，醫療核保可能會受到法律的限制。如果可使用的話，使用的標準應該要客觀的、與提供覆蓋的相關成本做明確的聯結、實務上可管理、符合適用的法律、並能維護保險系統的長期生存能力。 承保人（保險公司）在此過程中會把申請人的健康狀況、年齡、工作性質、和所在的地理區域都列入考慮。考慮之後，保險公司會表達是否願意承保，以及應收取什麼樣的保費。 (zh) 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. The two most common methods of medical underwriting are known as moratorium underwriting, a relatively simple process, and full medical underwriting, a more indepth analysis of a client's health information. The use of medical underwriting may be restricted by law in certain insurance markets. If allowed, the criteria used should be objective, clearly related to the likely cost of providing coverage, practical to admin (en) |
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