VISIONOf FLIC Underwriting Department
We are world-class life underwriters,experts in insurability risk assessment dedicated to the
advancement of the life underwriting with the primary role of providing
prudent but competitive evaluation and prompt processing of all clients'
applications for any form of life and health coverages and/or claims for any
benefits.
MISSION of FLIC Underwriting Department
To be a consistent provider of accurate and complete
information to the agency force and a reliable decision maker in lay and medical underwriting
at all times.
GOAL 1:To advance the art, science and practice of Life
Underwriting in the company.
To this end, we reiterate our commitment :
I. Continue developing our staff into well-rounded professionals of the
highest standards in Life Underwriting, by:
PLAN 1: ACTIVE PARTICIPATION in Insurance Conventions
2004 HOLUAP Annual Convention -Summer 20042004 PSIM Underwriting Courses - Date
IIAP/Reinsurers CME Activities -
GOAL 1:To advance the art, science and practice of Life Underwriting in the company. M
EDICAL
SERVICES
MEDICAL
SERVICES
To continue developing our staff into well-rounded professionals of the highest standards in Life
Underwriting, also by:
PLAN 2: Preparing for the subsequent sets of FLMI Exams
FLMI 311 - Insurance Laws - May '04missed –reseched Nov 2004 (Support From Marketing:
New reference required)
FLMI 320 - Nov 2004
MEDICAL
SERVICES
To this end, we reiterate our commitment :
II. To enhance the study of mortality and morbidity as it applies to Life Insurance:,
by
PLAN 1: Maximizing utilization of available references:
Action: Routing References Reviews with notations….
On-Going
MEDICAL
SERVICES
MEDICAL
SERVICES
GOAL 1:To advance the art, science and practice of Life Underwriting in the company.
To this end, we reiterate our commitment :
III. To Foster favorable professional relations that promote the
advancement of Life Underwriting within the department;
PLAN 2: More regular Case Presentations -monthly Interactive
SessionQTR 1- 4, 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
GOAL 1:To advance the art, science and practice of Life Underwriting in the company.
USIUnderwriting
SceneInvestigation
To this end, we commit :
III. To Foster favorable professional relations that promote the
advancement of Life Underwriting within the department;
PLAN 3: To create a basic workflow chart in the evaluation of any life coverage
application particularly in searching for adverse medical conditions
QTR 1, 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
GOAL 1:To advance the art, science and practice of Life Underwriting in the company.
USIUnderwriting
SceneInvestigation
To this end, we commit :
III. To Foster favorable interdepartmental professional
relations that promote the advancement of Life Underwriting;
PLAN 4: To assist Claims in creating a basic workflow chart in the evaluation of
any claims application particularly in searching for preexisting undeclared
medical conditions
QTR 2, 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
GOAL 1:To advance the art, science and practice of Life Underwriting in the company.
USIUnderwriting
SceneInvestigation
To this end, we commit :
III. To Foster favorable interdepartmental professional
relations that promote the advancement of Life Underwriting;
PLAN 4: To support SALES Drive in conserving pending cases
Action 1: Monthly Pending-Case Hour with Lay
QTR 1-4, 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
GOAL 1:To advance the art, science and practice of Life Underwriting in the company.
IV.To continue to be a well-managed department.
PLAN 1: To anticipate exit movements from within the unit
and avoid workflow vacuum
Action: Train / Hire New Staff Redirect existing staff who have the potential
to carry over specific functions Target : QTR 2
MEDICAL
SERVICES
MEDICAL
SERVICES
IV.To continue to be a well-managed department.
PLAN 2: To assure the department a continuous and smooth
workflow at all times.
Action: Create an Endorsement Plan on which to base responsibility assigning in case one
officer is temporarily not available Target : QTR 2
MEDICAL
SERVICES
MEDICAL
SERVICES
IV.To continue to be a well-managed department.
PLAN 3: To assure the department a continuous and smooth
workflow at all times.
Action: To have an Quarterly Intradepartmental review of our plans
Target : Mar-Jun-Sep 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
VISIONOf FLIC Underwriting Department
We are world-class life underwriters,experts in insurability risk assessment dedicated to the advancement of the life underwriting with the primary role of providing prudent but competitive evaluation and prompt processing of all clients' applications for any form of
life and health coverages and/or claims for any benefits.
MISSION of FLIC Underwriting Department
To be a consistent provider of accurate and complete information to the agency force and a reliable decision maker in lay and medical underwriting at all times.
Goal 2: To provide the company an
indispensable arm in the evaluation and processing of the
businesses.
MEDICAL
SERVICES
MEDICAL
SERVICES
Goal 2: To provide the company an indispensable arm in the evaluation and
processing of the businesses.
To this end, we, in the department, are committed to:
Maintaining an effective delivery of general medical services nationwide
by -
PLAN 1: Improving the pool of accredited MD’s in
anticipation for more regular businesses esp in key cities
MEDICAL
SERVICES
MEDICAL
SERVICES
Goal 2: To provide the company an indispensable arm in the evaluation and
processing of the businesses.
To this end, we, in the department, are committed to:
Improve the list of NCR-based Medical Examiners, by:
ACTION 1 : Recruitment of 3-4 Roving Medical Examiners of other companies
(‘Special’) with competitive rates TARGET DATE : QTR 1 04
MEDICAL
SERVICES
MEDICAL
SERVICES
Goal 2: To provide the company an indispensable arm in the evaluation and
processing of the businesses.
To this end, we, in the department, are committed to:
Maintaining an effective delivery of general medical services nationwide
also, by:
- PLAN 2: Improving the method of filling up the medical needs of sales
force in other areas
ACTION 1: To reaffirm Med Examiners’ availability in 2004 focus areas of sales
force - QTR 1 2004
MEDICAL
SERVICES
MEDICAL
SERVICES
National Demographic Distribution of FLIC-affiliated MD’s - Oct 23
2003
Butuan 1
Agusan del Sur 1
*Albay 6
Bacolod 1
Bataan 2
Batangas 3
Benguet 1
Bulacan 2
Camarines Sur 1
Cavite 10Eastern Samar 1
Iloilo 3
Isabela 11
Laguna 5
Lanao del Norte 2
La Union 7Nueva Ecija 7
Pampanga 8
Pangasinan 4
Quezon 3
South Cotabato 4
Tarlac 1
Zambales 7
Zamboanga 2
***METRO MANILA
Agusan del Norte 1
Or. Mindoro 2
Roxas City 2
Iloilo 3
CEBU 1 + FCC
Branches
Ilocos
Davao del Sur 1
Occ. Mindoro 1
Aurora 3
Cag de Oro 1
Iligan City 5
Tagbilaran, Dipolog, SurigaoPalawan,
Finding the Medical Examiners
Identifying focus areasMedical Societies
Database
Communication
Medical Practitioners
Hiring
Goal 2: To provide the company an indispensable arm in the evaluation and
processing of the businesses.
To this end, we, in the department, are committed to:
Maintaining an effective delivery of general medical services nationwide
also, by:
- PLAN 2: Improving the method of filling up the medical needs of sales
force in other areas
ACTION 2: Active participation in Key Opinion Leaders Meeting of Rx companies and Round-
Table discussions in medical societies on-going …
MEDICAL
SERVICES
MEDICAL
SERVICES
… On Maintaining an effective delivery of general medical services nationwide also, by:
PLAN 3: To maximize utilization of improved FCC services
- less blanks- rare 3 inks / writing patterns- more complete
MEDICAL
SERVICES
MEDICAL
SERVICES
PLAN 4: To Maintain Accreditation with Industrial Clinics with ROVING Medical
Examiners and One-Stop-Shop Facilities, for areas
where no FCC services are available.
HealthWay Medical Clinics and revive affiliation with
other Industrial clinicsHealthLab, Biolab, Heart-Lung Dx Clinic,
Medstar, MEDEX
QTR 4 2003 -QTR1 2004
MEDICAL
SERVICES
Insert NCR map with MDs availability
The FCC Services
MEDICAL
SERVICES
Insert NCR map with MDs availability
MEDICAL
SERVICES
PLAN 5: To continue Monitoring and
Updating Medical Service Fees
(As of October 2003 = ~ 300.Those >2yrs ~300-500/FME
Survey Nov 06th '02 = P300/ FME)
+/- include the transportation fees of MDs, just like how we accommodate HMCs
Amount?
MEDICAL
SERVICES
MEDICAL
SERVICES
PLAN 6: To give recognition to Medical Examiners who have delivered exemplary
services
“Preferred” Medical Examiners
Qualifications:- Consistently detailed FME Reports- No reports required verification /
clarification- Accredited for 5 years or more
P350/FMEPriority MD for Jumbo Cases
MEDICAL
SERVICES
MEDICAL
SERVICES
PF Levels of Medical Examiners
SPECIAL PREFERRED
GENERAL
----------
300
400
350
Plan 6.Continue Providing support to Claims and Sales Force in
improving delivery of benefits by -
ACTION 1: Release a Year-End update on Time Study on HIR CLAIMS - …
<<< (In the initial Nov 2001 study, there is a 31-day interval from
arrival of medical documents to actual payment and an average of 21.4 days from approval of Underwriting to Actual payment )
“Have we improved?”-TARGET DATE QTR 1, 2004
MEDICAL
SERVICES
II. Enhancing procurement of clients’ medical documents or
information
PLAN 1: Maintain visibility in the MIB Project
ACTION 1: Monthly 1-hr PLIA MIBCOmm Meeting
On-Going ...
MEDICAL
INFORMATION
II. Enhancing procurement of clients’ medical documents or information
PLAN 1: Maintain visibility in the medical and pharmaceutical
community
ACTION 1: Active membership in various medical organizations
On-Going ...
MEDICAL
INFORMATION
Insert: HMOs require completion of Discharge Summary and copy of
Ammitting hisdotry before hospital bills are paid – this affects NKI policy.
Therefore, if we talkxthis out with FCC, their client file can improve, FLIC clai m can be enhanced by
thesaid policy. Sept 1 2004
Support Needed by Medical Underwriting
to be able to smoothly continue providing these Medical Services
• Separate PC in Medical Director’s Office– FDD (to exchange info within department)– CDROM (to review arriving reference
materials)– With USB port– With built-inModem– MS Office
• MS ACCESS
• Separate High-Speed Printer (DMtrx)• New Telephone Unit