Which of the following is NOT a factor in group health insurance underwriting?

In the context of group health insurance underwriting, factors such as the number of individuals in the group, the group's claims experience, and the type of occupation of the group members play significant roles in assessing risk and determining premiums.

The size of the group is important because larger groups generally provide more stability and predictability regarding health claims, making them more favorable to underwriters. The group's claims experience is a critical measurement; a history of high claims can lead to higher premiums, while a history of low claims can result in lower premiums. Additionally, the type of occupation can influence risk levels. For instance, members of a group working in high-risk jobs may present a greater likelihood of claims, affecting the underwriting decision.

Physical exams of group members, however, are not typically a factor in group health insurance underwriting. Unlike individual health insurance underwriting, where individual health assessments might be necessary, group underwriting relies more on the overall risk profile of the group as a collective. The underwriting process is more focused on the characteristics and history of the group rather than on individual health assessments, making it a distinct approach in group health insurance. This factor helps simplify the enrollment process and keeps it accessible for larger groups, where managing individual assessments would be impractical.