<unk>  is an insurance term referring to the use of<unk>  or health status information in the evaluation of an applicant for coverage (typically for life or health insurance).  As part of the<unk>  process, health information may be used in making two related decisions: whether to offer or deny coverage; and what premium rate to set for the policy.  The use of<unk>  may be restricted by law in certain insurance markets. Where allowed, the criteria used should be objective, clearly related to the likely cost of providing coverage, practical to administer, consistent with applicable law, and designed to protect the long-term viability of the insurance system.
The use of<unk>  in the individual health insurance market has met with some controversy. While<unk>  is designed to keep premiums as low as possible, critics say that the practice prevents some people with relatively minor and treatable pre-existing conditions from obtaining health insurance. Some states have outlawed<unk>  as a condition for obtaining insurance; these states generally have the highest average premiums for individual insurance.
Medical underwriting
Moral hazard
Hospitalism
Defence mechanism
Electrical injury
User contributions
Information addiction
Dangerous goods