Medical underwriting status of insurance companies

Different insurance companies have different requirements, and there are no specific requirements for majors.

Education generally requires bachelor degree or above, because underwriting involves insurance, medicine, finance, statistics, law and other aspects of knowledge, so in addition to understanding insurance and law, you should also have 2-4 years of working background in related fields.

Knowledge of actuarial principles and financial management should be understood and mastered. For novices who have no underwriting experience, they should generally start with primary work such as issuing orders and receiving newspapers.

Underwriting is the audit of insurance companies' underwriting business, and underwriting is the audit of insurance companies' claims files. Insurance companies establish a "three divisions and nine employees system", that is, insurers are divided into three levels: senior, intermediate and assistant insurers, and they are positioned as middle and high-end professional and technical personnel, which is the core strength of the company's claims team. Claim adjusters are divided into nine members, who are the concrete undertakers of a large number of basic work of claim settlement.

Underwriting generally refers to insurance underwriting. Insurance underwriting refers to the process that the insurer examines the application for insurance, decides whether to accept the underwriting risk, and determines the underwriting conditions when accepting the underwriting risk. In the process of underwriting, the underwriting staff will give different underwriting conditions according to different risk categories of the subject matter to ensure the quality of business and the stability of insurance operation.

Verification of insurance claims refers to the business behavior of insurance company's professional claims personnel to review insurance claims and confirm whether claims should be compensated, how to compensate or how to refuse compensation. In the process of claim settlement, compensation is realized by auditing and monitoring the responsibilities, losses and adjustments. Compensation management is to control and prevent possible deviations and risks in the above-mentioned process through a certain system, so as to make claims actively, quickly, accurately and reasonably and give full play to the compensation function of insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.