New York Child Abuse Identification and Reporting Practice Exam

Which item is NOT typically included in a consumer report used for insurance eligibility?

1. Credit history

2. Medical underwriting exam

3. Claim history

4. Criminal background check

The correct answer is: Medical underwriting exam

The item that is not typically included in a consumer report used for insurance eligibility is a medical underwriting exam. In general, consumer reports for insurance eligibility focus on readily available information such as credit history, claim history, and criminal background checks. These elements help insurers assess risk and determine coverage options. A medical underwriting exam, on the other hand, involves a direct evaluation of an individual's health and medical history. This process is usually separate from the standard consumer report and is often conducted as part of the underwriting process, rather than as a standard component of eligibility assessment. It is specifically used when insurers need to gather detailed health information from potential policyholders, especially for life or health insurance, rather than being part of a consumer report that is often limited to public and financial records. Understanding the distinction between these components is important for comprehensively grasping how insurance eligibility assessments are structured and the types of information that insurers commonly rely upon.