LESSON 18: HEALTH INSURANCE UNDERWRITING
The following subjects are contained within Lesson 18:
Major Risk Factors - Risk Classification (Physical Condition, Moral Hazards, Occupation); Premium Rates (Preferred, Standard, Substandard, Uninsurable); Other Risk Factors (Age, Gender, Health History, Hobbies)
Premium Factors - Morbidity; Interest; Expenses
Tax Treatment of Premiums and Benefits - Disability Income Insurance; Medical Expense Insurance; Self-Employed
Managed Care - Policy Design; Medical Cost Management (Mandatory Second Opinions, Precertification Review, Ambulatory Surgery, Case Management)
Lesson Review - Key Concepts, Quiz
The information contained in Lesson 18 can be found in
Unit 23 of the Florida study manual.
