10+ Medical Underwriter Interview Questions and Answers

Drugs used in treatment of heart disease, diabetes etc.

• Heart disease drugs include statins, beta-blockers, ACE inhibitors, and calcium channel blockers

• Diabetes drugs include metformin, sulfonylureas, DPP-4 inhibitors, and GLP-1 receptor agonists

• Other drugs used in treatment of related conditions include anticoagulants, antiplatelets, and diuretics

• Treatment plans vary depending on the individual's condition and medical history

Objective symptoms are measurable and observable by others, while subjective symptoms are experienced and reported by the patient.

• Objective symptoms can be seen, heard, felt, or measured by a healthcare provider.

• Subjective symptoms are based on the patient's feelings, experiences, and perceptions.

• Examples of objective symptoms include fever, rash, high blood pressure, and abnormal lab results.

• Examples of subjective symptoms include pain, fatigue, dizziness, and nausea.

Premium is the amount paid by the insured to the insurance company for coverage. Underwriters assess risks and determine premiums.

• Premium is the amount paid by the insured to the insurance company in exchange for coverage.

• Underwriters evaluate the risk associated with insuring a particular individual or entity.

• Underwriters use various factors such as medical history, lifestyle, and occupation to determine the premium.

• The role of the underwriter is to ensure that the premium c...read more

Liver function tests are blood tests used to assess the health of the liver and its ability to function properly.

• Liver function tests measure levels of enzymes, proteins, and other substances produced by the liver.

• Common liver function tests include ALT (alanine aminotransferase), AST (aspartate aminotransferase), ALP (alkaline phosphatase), and bilirubin.

• Abnormal results on liver function tests may indicate liver damage, inflammation, or other liver conditions.

• Liver function...read more

Drugs given for diabetes mellitus include insulin, metformin, sulfonylureas, and SGLT2 inhibitors.

• Insulin is commonly used for type 1 diabetes and sometimes for type 2 diabetes.

• Metformin is a first-line medication for type 2 diabetes.

• Sulfonylureas help the pancreas produce more insulin.

• SGLT2 inhibitors help the kidneys remove glucose from the body through urine.

Insurance is a financial protection plan that provides coverage for unexpected events or expenses.

• Insurance is a contract between an individual or organization and an insurance company.

• The individual or organization pays a premium in exchange for the insurance company's promise to cover specific losses or damages.

• Types of insurance include health insurance, life insurance, auto insurance, and property insurance.

• Insurance helps mitigate financial risks and provides peace of mi...read more

Underwriting is the process of evaluating the risk of insuring a person or entity and determining the premium to be charged.

• Underwriting involves assessing the risk associated with insuring a particular individual or entity.

• It includes analyzing factors such as medical history, lifestyle habits, and occupation.

• Underwriters use this information to determine the premium to be charged and the coverage to be provided.

• The goal of underwriting is to ensure that the insurance compan...read more

Diabetes is a chronic metabolic disorder characterized by high blood sugar levels due to insulin deficiency or resistance.

• Insulin is a hormone produced by the pancreas that regulates blood sugar levels.

• Type 1 diabetes is caused by the destruction of insulin-producing cells in the pancreas.

• Type 2 diabetes is caused by insulin resistance, where the body's cells become less responsive to insulin.

• Complications of diabetes include cardiovascular disease, kidney damage, nerve damag...read more

Premium is the amount of money an individual or business pays to an insurance company for a policy.

• Premium is the cost of insurance coverage.

• It is typically paid on a monthly or annual basis.

• The amount of premium can vary based on factors such as age, health status, and coverage level.

• Premiums are used by insurance companies to cover the cost of providing coverage and to make a profit.

• For example, a 30-year-old non-smoker may pay a lower premium for health insurance compared ...read more

Diabetes mellitus is a chronic condition characterized by high levels of sugar in the blood due to either insufficient insulin production or the body's inability to use insulin effectively.

• Diabetes mellitus is classified into Type 1, Type 2, and gestational diabetes.

• Symptoms include frequent urination, increased thirst, unexplained weight loss, and fatigue.

• Treatment may involve lifestyle changes, medication, and insulin therapy.

• Complications of diabetes mellitus include heart...read more

Nasal polyps are noncancerous growths that develop in the lining of the nose or sinuses.

• Nasal polyps are soft, painless, and usually result from chronic inflammation of the nasal passages and sinuses.

• They can cause symptoms such as nasal congestion, runny nose, postnasal drip, reduced sense of smell, and facial pressure.

• Treatment options include medications like corticosteroids, nasal sprays, and in some cases, surgery.

• Conditions like asthma, chronic sinus infections, allergi...read more

Diabetes is a chronic condition that affects how your body turns food into energy.

• Diabetes is characterized by high levels of blood glucose resulting from defects in insulin production, insulin action, or both.

• There are three main types of diabetes: type 1, type 2, and gestational diabetes.

• Symptoms of diabetes include frequent urination, increased thirst, unexplained weight loss, and fatigue.

• Treatment for diabetes may include insulin injections, oral medications, diet and exe...read more

Hypertension is a medical condition characterized by high blood pressure in the arteries.

• Hypertension is often referred to as the 'silent killer' because it usually has no symptoms but can lead to serious health issues.

• Risk factors for hypertension include obesity, lack of physical activity, smoking, excessive alcohol consumption, and genetics.

• Complications of hypertension can include heart disease, stroke, kidney damage, and vision loss.

• Treatment for hypertension may include...read more