Which document provides the underwriter with medical history from a physician?

Which document provides the underwriter with medical history from a physician?

• A. Attending Physician's Statement
• B. MIB Report
• C. Credit Reports
• D. Medical Exam Report

Answer: (A)

The key idea is that some underwriting needs come directly from the treating physician. An Attending Physician's Statement is a document the applicant’s doctor completes that details the patient’s medical history, current conditions, treatments, test results, medications, and the physician’s prognosis. This provides the underwriter with firsthand, narrative medical information from the person who actually treated the applicant, which helps assess risk more accurately and tailor the policy underwriting. The other options don’t serve this purpose. A MIB report is a consolidated databank of medical information used to flag potential inconsistencies or undisclosed conditions across insurers, not a physician’s direct statement. A Medical Exam Report comes from a field paramedical examiner and records exam findings, not the physician’s detailed medical history. Credit reports contain financial information and have no medical details.

The key idea is that some underwriting needs come directly from the treating physician. An Attending Physician's Statement is a document the applicant’s doctor completes that details the patient’s medical history, current conditions, treatments, test results, medications, and the physician’s prognosis. This provides the underwriter with firsthand, narrative medical information from the person who actually treated the applicant, which helps assess risk more accurately and tailor the policy underwriting.

The other options don’t serve this purpose. A MIB report is a consolidated databank of medical information used to flag potential inconsistencies or undisclosed conditions across insurers, not a physician’s direct statement. A Medical Exam Report comes from a field paramedical examiner and records exam findings, not the physician’s detailed medical history. Credit reports contain financial information and have no medical details.