Step-by-step explanation:
Insurance underwriters "evaluate the risk and exposures" of potential clients. Clients are the insurance agency where many insurers invest money and claim if the insurer / his family (which ever is applicable) is hospitalized / treated for disease.
If I am a underwriter,
- I will check the insurance policy which the patient has taken,
- Check the eligibility, cross check the documents of operation which the patient or insurer has sent
- Then decide whether the particular reimbursement is approved or unapproved.