 To search the medical underwriting, an insurer asks people who apply for coverage (typically people applying for individual or family coverage) about pre-existing medical conditions.In most US states, insurance companies are allowed to ask questions about a person's medical history to decide whom to offer coverage, whom to deny and if additional charges should apply to individually-purchased coverage.While most discussions of medical underwriting in health insurance are about medical expense insurance, similar considerations apply for other forms of individually-purchased health insurance, such as disability income and longterm care insurance.