Description: Discusses basic principles which should be observed in the selection of risks for individual health insurance, substandard underwriting, and how sales policies and claim administration practices are related to underwriting.

Description: Discusses types and methods of analysis of morbidity experience, reserves, and policy form drafting issues.

Description: In this paper, fuzzy sets - collections of objects whose boundaries are not precisely defined - are used to model the selection process in group health insurance. Both single and multiple options plans are discussed. Discussions of this paper are included.