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Medical underwriting of an application for Health Insurance requires consideration of both the medical history and current physical condition of the proposed insured to determine on what basis insurance can be offered or declined. Underwriters evaluate a risk primarily by estimating the probable influence of current impairments and previous medical histories on future claims. For instance, signs of cognitive impairments indicate that an applicant is a poor risk for Long Term Care Insurance.

Medical evaluation begins with a review of statements on the application. Medical histories listed may require further investigation. For instance, if the applicant admits receiving treatment for high blood pressure, an attending physician's statement usually will be required. In addition to obtaining general medical information, the underwriter will ask the attending physician about blood pressure readings, medication prescribed and the degree of control achieved. If a physical examination was not required before, the insurer may now ask for one to get current blood pressure readings.