goal 1:to advance the art, science and practice of life underwriting in the company
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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 to:
I. Continue developing our staff into well-rounded professionals of the
highest standards in Life Underwriting, by:
PLAN 1: ACTIVE PARTICIPATION in Insurance Conventions,
2003 PSIM Underwriting Course 2003 HOLUAP Annual Convention - Fort Ilocandia , April
20032003 International Underwriting Congress - Singapore - March 2003
GOAL 1:To advance the art, science and practice of Life Underwriting in the company. M
EDICAL
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MEDICAL
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Game na ba kayo?!
! Sa
Underwriting?
To continue developing our staff into well-rounded professionals of the highest standards in Life
Underwriting, also by:
PLAN 2: Preparing for 2nd set of FLMI Exams
FLMI 301 - Insurance Administration - May '03
FLMI 310 - Legal Aspects of Life & Health Insurance Nov '03
passed FLIM 280 88% May 6th 2002 ; took FLIM 290 Nov 5th
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•II. To enhance the study of mortality and morbidity as it applies to Life Insurance:,
by
PLAN 1: Maximizing utilization of available references:
Resumption of Back-to-Basics Medical Risks Week-end Review
Back -To-Basics Medical Risks Week-end Review: A 15-min Exercise Every Other Fridays
Single Impairment Study - Jan- Jun 2003Only done Jan-April 2002 (Department staff movements affected continuity)
Multiple Impairment Study - July - Dec 2003
+/- Journal Club - 1-2x / month (Every 2nd & 4th Mondays)
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To Foster favorable professional relations that
promote the advancement of Life Underwriting within the
department;
PLAN 3: More regular Monthly Case Presentation -Interactive
Session - Mini-CMEPresentors - Rotation By Staff
QTR 1- 4, 2003
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.To continue to be a well-managed department.
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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.
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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:
Maintain an effective delivery of general medical services nationwide
by -
PLAN 1: Improving the pool of accredited MD’s in
accordance with Sales thrust
of P550M target for 2003
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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 dwindling list of NCR-based
Medical Examiners, by:
ACTION 1 : Recruitment of dedicated Roving Medical Examiners of other
companies (‘Special’)
ACTION 1a: To designate a particular referral area for each accredited MD, and
ACTION 1b: To design a pricing system for servicing beyond a certain radius, at an amount better than industrial clinics rates
- TARGET DATE December '02-Jan '03
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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 all areas
ACTION 1: To review Med Examiners’ availability in focus areas of sales force
(Angeles, Cabanatuan, La Union, Olongapo) and increase as
necessary - (Nov 02 - Dec 03)
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National Demographic Distribution of FLIC-
affiliated MD’s - Nov 2002
Butuan 1
Agusan del Sur 1
*Albay 6
Bacolod 1
Bataan 1
Batangas 3
Benguet 2
Bulacan 3Camarines Sur 1
Cavite 10Eastern Samar 1
Iloilo 3
Isabela 10
Laguna 4
Lanao del Norte 4
La Union 6 Nueva Ecija 5
Pampanga 7
Pangasinan 4
Quezon 5
South Cotabato 4
Tarlac 1
Zambales 7
Zamboanga 2
***METRO MANILA
Agusan del Norte 1Or. Mindoro 2
Roxas City 1Aklan 1
CEBU 1 + FCC
Branches
Ilocos
Davao del Sur 1
Occ. Mindoro 1
Finding the Medical Examiners
Identifying focus areasMedical Societies
Database
Communication
General 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 all areas
ACTION 2: To continue helping in the creation of an association of Medical
Examiners (Nov 02 - Dec 03)
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FMEThe Federation of Medical
Examiners shall provide Medical Examination
requirements of the life insurance industry via an
established network of accredited General Practitioners
… On Maintaining an effective delivery of general medical services nationwide also, by:
PLAN 3: To improve utilization of FCC services by communicating with FCC and addressing common issues affecting operations of both parties.Issues related to incompletely accomplished FME forms1. Fast turn-over of FCC clinic staff2. Unavailable directory and varied availability of services in each satellite clinics3. More than 1 person accomplishing forms(nurse does 1 part, MD does other part)4. Missing urinalysis reports , cxr film not submitted together with FME...
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ACTION 1: Periodic dialogue re: Fortune Life’s expectations on their
(FCC) services
On-Going...
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PLAN 4: To improve utilization of FCC services by communicating with FCC and addressing common issues affecting operations of both parties.
PLAN 5: 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
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Insert NCR map with MDs availability
The FCC Services
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PLAN 4: To continue Monitoring and
Updating Medical Service Fees
(Latest Survey Nov 06th '02 = P300/ FME)
Awaiting approval of increased Medical Fees
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PLAN 5: 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/FME
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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 Mid-Year and 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, 2003
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• Plan 6.Continue Providing support to Claims and Sales Force in improving delivery of benefits by -
ACTION 2: More ACTIVE participation on evaluating HIR CLAIMS -– A Cross-Sectional Study on HIR Claims
(discussed with A Abad)
• Demographic distribution• Nature of claim
Target Completion Date QTR 2
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II. Enhancing procurement of clients’ medical documents or
information PLAN 1: Maintain visibility in the
MIB Project ACTION 1: Participate in the periodic Upgrading of the
system On-
Going ...MIB Ad Hoc Meet - Dec 2003
Gen Assembly Users' Meet - Jan week 4 2003 (discussed with PLIA)
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INFORMATION