What is the primary purpose of medical underwriting?

The primary purpose of medical underwriting is to evaluate an individual's risk of insuring. This process involves assessing various factors related to an individual's health status, medical history, and other pertinent information to determine how likely they are to require healthcare services. By understanding the risk associated with insuring a particular individual, insurers can set appropriate premiums that align with the potential costs they may incur.

While determining health insurance premiums is indeed a key outcome of the underwriting process, it stems from the risk assessment conducted by underwriters. Promoting preventive healthcare measures and assessing the quality of healthcare facilities are not part of the underwriting function; rather, they pertain to broader public health initiatives and healthcare quality assessments. Thus, the focus on evaluating risk directly aligns with the fundamental objectives of medical underwriting.