State RegulationsOH specificDifficulty 2/5
Which statement about sources of underwriting information in Ohio is correct?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Ohio permits insurers to draw underwriting information from multiple sources: the application, the producer's report, attending physician statements, investigative consumer reports, and reporting organizations such as the Medical Information Bureau. Collection and use of that information are governed by the information-privacy framework in ORC 3904, and for sickness and accident coverage ORC 3901.491 excludes genetic test results entirely from the permitted sources.
Why the other options are wrong
- B) Genetic test results are excluded for sickness and accident underwriting by ORC 3901.491, so no unlimited-source rule exists.
- C) Attending physician statements are one source among several; the application, producer report, inspection reports, and reporting organizations are all lawful sources.
- D) ORC 3904 constrains how underwriting information is collected, used, and disclosed; the process is not unrestricted.
Memory hook
Many sources, one rulebook: ORC 3904.