What is the primary purpose of an Attending Physician Statement (APS)?

The primary purpose of an Attending Physician Statement (APS) is to gather additional information when medical reports are insufficient. An APS is typically requested by an insurer during the underwriting process, particularly when an applicant has disclosed medical conditions or has a complex medical history.

This statement is completed by the applicant's doctor, providing detailed insights into the individual’s health status, treatment plans, and any relevant medical history that may affect the insurer's decision regarding coverage. It serves as a crucial tool for underwriters to make informed risk assessments, ensuring that they have a comprehensive understanding of the applicant's health.

Additional purposes such as summarizing treatment options or issuing policies immediately do not align with the primary role of the APS, which focuses specifically on obtaining further medical information to facilitate the underwriting process.