10 Feb 2018

Types of Medical Underwriting- Moratorium Vs. Full

Have you heard the terms full or moratorium when exploring more about medical underwriting? Ever wondered what they are. We’ll tell you in a jiffy. But first, let us tell you what medical underwriting is. In simple terms, it is a process used by health insurers to decide the price and terms of insurance policies. The process is done by analyzing current and anticipated medical needs of a person.

What is Moratorium Underwriting?

It includes setting a waiting period for pre-existing medical conditions to limit the risk to an insurance provider. This is a good method that helps insurers to keep premiums affordable for members of a plan. A moratorium will not include any pre-existing health conditions for a set period of time, usually two years. After that period ends, it may cover health conditions that come after.

Let’s take an example

If Roger has been suffering from eczema 24 months before his plan started, this disease and any recurring expenses won’t be covered until Roger is free of symptoms and treatment for 24 months after the start day of Roger’s plan.

What is Full Medical Underwriting?

As the name suggests, it involves full disclosure of any and all medical conditions and history by the insurance seeker via a full declaration. The insurance company will then decide whether it can cover those health conditions or not. The underwriting process is somewhat complex and the premiums are high if you have several medical issues or a family history of many health issues and the insurer covers it.

In many cases, the insurer would agree to cover only a few health conditions and, in many cases, the insurer will simply decline to cover any of those. If special terms are applied in your case, it will be visible on your certificate of insurance and the cover will usually be governed by terms and conditions and benefits of your plan.

Moratorium Vs. Full Underwriting: Which One Should You Select?

The choice depends on many factors. Some of them are:

  • Your medical history
  • Your current medical condition
  • Any other medical condition you might be vulnerable to
  • Your personal choice
  • Your finances

We suggest that you talk to an expert or an advisor regarding which option is best for your situation as there is no “one size fits all” solution here. The other option is to contact different insurers yourself and decide what method meets your needs.

Now, if you are interested in hiring top medical underwriters, contact Win Healthcare. We have a team of experts who can create amazing content on the basis of facts and data so that insurance doesn’t cost you too much!

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07 Feb 2018

Medical Writing Vs. Scientific Writing

People often make the mistake of thinking that medical writing and scientific writing are synonymous. Guys, they are really not! The process of creating content, it’s structure, and the abilities needed to do either of these are totally different. Scroll down to know more!

Understanding Scientific Writing

As the name denotes, scientific writing is all about basic sciences, technological information, and drugs for common readers. It is usually found in the medical news, marketing material, articles, and academic content such as regulatory documents and journals.

In life sciences industry, it deals with different aspects of science such as discoveries and innovations in biotech and pharmaceutical industry, synthesis of different chemicals and different novel theories and mechanisms.

Scientific content developers not only create content for people who understand the jargon and belong to the scientific community, but they also create content for the general public who might want to know what’s happening in the world of science.

Sometimes, these writers also assume the role of medical journalists by relating science to broad social problems like the need for better healthcare practice, nutrition and food sanitization, nuclear power safety, etc.

Understanding Medical Writing

It includes creating clinical and scientific documents in a comprehensive, standard, convincing and skilled manner. It also includes creating content in such a manner that a layperson can easily understand and grasp. This process makes content more organized, easily readable and efficient. It is often used while creating a therapeutic product. It is also required when sorting medical data into a readable format.

Three Key Types

  • Regulatory
  • Educational
  • Medico-Marketing

Medical Writing Vs. Scientific Writing

The former is a more specialized area of scientific writing while the latter involves creating content about science no matter whether it’s about physics, chemistry or medicine among others.

In essence, all medical writers are science writers, but all science writers are not medical writers.

The scope of the former is confined to health and medicine only while the latter includes everything from medicine to biology and physics to chemistry among others.

Now that you have learned about medical writing, it’s time for you to consider hiring medical writers from Win Healthcare. We have a team of professionals that can handle any task with perfection while meeting client instructions. As deadlines are sacred for us, we never miss them and often beat them. You can also trust us to perform magnificently and consistently over a long period.

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