Underwriting health insurance considers medical history such as which of the following?

• A. Preexisting conditions
• B. Weather conditions
• C. Geographic location
• D. Occupation

Answer: (A)

Underwriting health insurance focuses on the applicant’s medical history to gauge future claim risk. The key factor here is preexisting conditions—health problems that exist before coverage begins—because they directly affect expected costs and risk for the insurer. Weather conditions don’t reflect an individual’s health history, and geographic location isn’t a medical-history indicator used to assess health risk. Occupation isn’t a medical-history factor in health underwriting (it may matter for other lines like life or disability insurance), so it isn’t used to evaluate health risk in this context.