Aflac Insurance Practice Exam

In group health insurance underwriting, the emphasis is on the group as a whole rather than on individual medical details. Physical exams of group members are not used to set group plan premiums because the goal is to pool risk across many people and avoid excluding individuals based on health status.

The factors that are used—group size, past claims experience, and the type of occupation—directly affect the expected cost of providing benefits. More people in a group can spread risk, a history of claims shows how costly the plan has been, and the nature of the work (occupation) influences how likely members are to incur claims.

So, the factor that is not used is the medical examination of group members. The others describe characteristics that influence overall risk and pricing for the group.