 It is the process in which an underwriter takes considers the health conditions of the person who is applying for the insurance, keeping in mind certain factors like health condition, age, nature of work, and geographical zone.After looking at all the factors, an underwriter suggests whether a policy should be given to the person and at what price, or premium.Underwriting is the process that a health insurer uses to weigh potential health risks in its pool of insured people against potential costs of providing coverage.