Friend or foe?

We all understand and accept the need in the insurance industry for underwriters. They are, after all, the industry's 'minders', protecting insurers from the financial burden of unnecessary risk. The role of the private medical insurance (PMI) underwriter is to assess a policy application for risk, to identify and then standardise that risk if necessary. Unfortunately, it seems what we are getting with increasing frequency is not risk assessment, but risk avoidance. Repercussions An example that recently came to light is the case of a doctor living overseas who applied for internation...