[1] In traditional underwriting, an APS is one of the most frequently ordered additional sources of medical background information.
Once obtained, it can be laborious to review and summarize, as APS reports can be large documents containing an in-depth medical history information that may or may not be relevant.
In structured underwriting, the data capture process with the proposed insured is asked very detailed questions to attempt to reduce the number of attending physician's statements necessary.
By leveraging a seasoned underwriter's knowledge and experiences, scripts can be built that ensure the appropriate medical information is captured and recorded from the APS document.
[2] This is done by creating scripts that prompt the person summarizing the APS to enter all pertinent specific medical condition uncovered.