Underwriting

The weightings Healix Risk Rating has given to the various combinations of risk factors have been developed from the basis of comprehensive claims analyses, allied to medical research findings and improved on over the years in response to customer feedback.
 
The system now enjoys the confidence of the majority of insurers in the travel insurance market, and a key factor in the success has been the flexibility which allows regular quarterly updates to reflect changes in medical practice or claims cost patterns.
 
The underlying philosophy is that the system is designed to identify where, on the continuum of travel insurance risk, an individual sits - this empowers underwriters to make informed, and defensible, decisions on underwriting terms.