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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Part of the key to this is eliminating lab tests and attending physician statements for low-face-amount products or using saliva tests that can be administered by the sales representative.
This is certainly true for requirements such as attending physician statements where the greater likelihood of disease in older compared to younger applicants enhances the statements' protective value.
Through its ExamOne and Intellisys companies, LabOne is a leading solutions provider to life and health insurance companies for laboratory testing, paramedical examinations, attending physician statements, motor vehicle reports, background inspections and personal history interviews.