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Underwriting is, simply put, the process through which your application is reviewed approved or denied and your premium is determined. Typically, medical underwriting is where the insurance provider asks a series of medical questions during the application process and provides the applicant with details of what they will and will not be prepared to cover. The applicant will usually be required to get documentation from their doctors as well as other healthcare providers. Occasionally, if the applicant is symptom and treatment free of any medical issues for a specified period, they may be offered coverage on the understanding that they will be underwritten every time they claim against their policy. If you are abroad for shorter periods, consider a travel medical plan which can provide assistance during emergency medical situations abroad Payment arrangements can be made