attending physician statement


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attending physician statement

A form of evidence of a person’s insurability, where an insurer’s underwriting organisation relies on physician's office notes, labs, X-rays and operative notes to determine an applicant's state of health in lieu of requiring a medical exam.

APSs are normally supplied by doctors at the request of the underwriter, subject to applicable state laws and regulations relating to the patient's right to privacy.
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* Underwriting: More internal assessments of underwriting practices and procedures will occur, leading to greater attempts to leverage technology, mine data, reduce attending physician statements and underwrite smarter.
Those tools, combined with personal interviews using drop-down software to further probe suspicious answers to scripted questions, provide underwriting results equal in quality to those developed with attending physician statements, Hobbs said.