Skills

Detailed A&H (Accident & Health) insurance underwriting guidelines for use by underwriters. Covers three lines of business: Travel A&H, Group Accident (AD&D / GPA / BTA), and Group Health / Employee Benefits. Use this skill whenever a user asks about A&H underwriting decisions, eligibility rules, exclusions, rating factors, referral triggers, decline criteria, documentation requirements, benefit schedules, occupation classes, pre-existing condition handling, group size thresholds, participation/contribution requirements, stop-loss, waiting periods, or any underwriting workflow question touching Travel insurance, Group Accident, AD&D, Group Personal Accident, Business Travel Accident, Group Health, Employee Benefits, or ancillary benefits. Trigger on phrases like "can we write this risk", "what's the referral trigger", "is this eligible", "what exclusions apply", "how do I rate this", "what documents do I need", or any underwriting judgment question.