Underwriting/Claims
  Outsourced
& Remote underwriting
Automated
Expert Underwriting
Tele-Underwriting
Trial Apps
Quick Quotes
Personal
History Interviews
EKG Interpretation
Computer
Reflex Prompted
Optional
Scoring Capabilities
Fully Customizable
PDC’s nationwide network of requirement retrieval specialists,
risk management professionals and underwriters provide a comprehensive
suite of insurability inspection services. From a simple telephone
interview to Tele-Underwriting, Quick Quotes, APS Summaries or
a comprehensive multi-page narrative-- PDC’s inspectors are
renowned for precise, punctual, and polite customer interaction while
assuring thorough and complete data gathering and reporting.
MediRisk: PDC’s Underwriting/Claims System
MediRisk was developed in 1999 to provide medical and life
insurance companies with an objective third-party rating methodology
for underwriting life and health insurance policies.
This state of
the art Underwriting/Claims System evaluates information
submitted with conventional medical questionnaires for individuals
applying for life, medical or disability insurance policies. The
applications are automatically assigned a point total predicated
upon the potential claim exposure of the applicant. MediRisk’s
objective underwriting point system was developed by teams of doctors
representing different medical specialties. Many areas are extensively
cross referenced including all prior or existing medical conditions,
medications, family history occupational exposures, life styles,
etc. Research has revealed that scientific cross-referencing of related
conditions produces far more accurate assessment of potential exposure
than evaluation on an individual condition by condition basis. The
final point total determines whether the applicant is insurable,
should be surcharged and/or have certain exposures excluded at policy
issuance.
Underwriters and physicians often vary dramatically in their
interpretation and application of underwriting guidelines. MediRisk
completely eliminates these subjective factors. Thus the Insurer
can no longer be negatively impacted by a maverick underwriter or
physician because adherence to each company’s underwriting
criteria is guaranteed. The MediRisk objective underwriting point
system will also facilitate vastly improved data for modification
of underwriting guidelines and corrective rate action. For
the first time, insurers can review results versus the definitive
underwriting criteria that were originally applied to generate those
results to determine if points assigned for conditions have proven
inadequate or excessive.
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