Professional reference workspace
Medical Underwriter’s Desk
Transparent calculations, sourced medical reference information and neutral prompts for structuring a professional review.
Professional reference aid only. The Underwriter’s Desk provides general calculations, sourced reference information and neutral assessment prompts. It is not an underwriting manual, insurer/reinsurer philosophy, lending policy, medical advice, financial advice or a substitute for professional judgement. Criteria, evidence requirements, definitions and acceptable thresholds vary between firms and can change. Always apply your organisation’s current policy, authority limits and approved source material. Garfield Stephens does not make or recommend underwriting, insurance or lending decisions through this tool.
For professional reference only. This page provides general calculations, sourced medical/medicines information and neutral prompts that may help structure an underwriting review. It does not provide medical advice, an underwriting decision, an insurer or reinsurer philosophy, evidence requirements, ratings, loadings, exclusions or eligibility guidance. Medical information and medicines can have multiple contexts and indications; do not infer a diagnosis from a medicine or isolated result. Always verify relevant facts against current approved sources and apply your organisation’s current underwriting manual, authority limits and professional judgement. Do not enter identifiable customer/applicant information or medical records.
02 / REVIEW FRAMEWORK
Have I got a complete picture?
Neutral prompts to structure a review. They are not evidence rules, underwriting criteria or a decision pathway.
Core medical checklist
Condition prompts
Select a broad health category to frame the same neutral fact-finding questions.
- What is the confirmed diagnosis and date of onset?
- What symptoms are present and how have they changed?
- What investigations have been completed and what did they show?
- What treatment is current, and for how long?
- How is control or stability evidenced?
- What follow-up is planned or ongoing?
- Are complications or associated conditions recorded?
- Is any investigation, referral or review outstanding?
Lifestyle prompts
Smoking
- Current status and product
- Quantity and duration
- Previous use and cessation date
- Any related symptoms, diagnosis or follow-up
Alcohol
- Typical weekly pattern
- Any episodes of heavier intake
- Change over time
- Any advice, treatment, investigation or related condition
Exercise and sport
- Activity and participation level
- Frequency and intensity
- Competitive or professional participation
- Environment, height, depth, speed or remoteness where relevant
Family history prompts
- Relationship to the applicant
- Condition or event
- Age at onset
- Whether more than one relative is affected
- Whether the applicant has relevant screening or follow-up
What additional evidence might you need?
Consider only what is material and permitted by your organisation’s current evidence rules.
- Is the diagnosis or reason for investigation clear?
- Is the chronology complete enough to understand the current position?
- Are symptoms, severity, recurrence and complications described?
- Are material investigations and results available?
- Is current treatment, response and adherence context clear?
- Is control, progression and follow-up described?
- Is any material investigation, referral or review outstanding?
Possible evidence sources — subject to current policy
Application or declaration information · Primary care or specialist report · Investigation report or recent result · Prescription or treatment information · Hospital correspondence · Occupational details or supporting questionnaire
Occupational hazard reference
Factual HSE hazard context with neutral prompts. No occupational classes are assigned.