Insurance Medical Temporary

For the practicing physician has a patient's diabetes was well under control ", almost a life expectancy of a healthy person. 

The insurance medical assessment of disorders differs substantially from that of a clinician or a medical practitioner, who can rely on personal contact with the patient and much larger range of material supports. The doctor may also ask at any time initiate new investigations and to adjust its assessment of disease and the resulting therapeutic consequences these specific disease in his patients individually. This continual review individual opportunity is closed to the insurance doctors. He has to his decision to take risks, make up based on the time of observation, the information available, often for very long durations insurance. Periods of 15, 20 or more years, but today is not really clear.
Thus, while for the practicing physician primarily the disease detection and treatment at a given time, with the chance of later intervention maxim of medical action, it must be set by the insurance physicians and the medical underwriters at the beginning of the contract final for the entire duration of the contract - regardless of whether any deterioration or improvement of health conditions occur. 

The necessary medical insurance in the long-term forecast is hedged, but the fact that it takes place in a group assessment. From consideration of the risk profiles of a large number of similar sufferers result, if not possible individual, then at least coherent group based assessment results. This means in practice testing approach for life insurance that are made from a medical perspective, a group of insurance such as 1000 considered similar patients over a long period. In fact, there will be a series of good performing risks, a number of moderate cases and a percentage very unfavorable risk-bearing situations. On average, however, gives this for all the specific risks at a time considered like a normal risk profile, but a statistically reliable increase in risk, for example in the form of, albeit sometimes only slight reduction in life expectancy. This will then result in the actuarially required risk compensation, for example, by increasing premiums. 

In assessing the applicant's present circumstances of Dia disease, all in a particular case actually present favorable factors are taken into account to make the right Zuordunung to a risk group. The actual life expectancy of the applicant or the actual probability because of the further course of the disease may be unable to work, of course, may be higher or lower than the average value of the same risk group.