Elements and Performance Criteria

The range statement relates to the unit of competency as a whole. It allows for different work environments and situations that may affect performance. Bold italicised wording, if used in the performance criteria, is detailed below. Essential operating conditions that may be present with training and assessment (depending on the work situation, needs of the candidate, accessibility of the item, and local industry and regional contexts) may also be included.

Medical information may include:
advice from a senior underwriter and/or Chief Medical Officer
adviser reports
medical reports
previous insurance history
supplementary questionnaires
medical specialties and the titles of doctors working in specialist fields
illnesses
injuries
diseases
description of the onset and/or nature of condition
medical investigations and procedures
treatments
prognosis.
Medical risk factors may relate to:
blood, spleen and lymphatic system
cardiovascular system
endocrine system
gastro-intestinal system
genitourinary system
inherited disorders and family history
mental disorders
musculoskeletal system
neurological system
physical dimensions
respiratory system
tumours.
Life risk is a potential change to health or wellbeing that would have an adverse effect on the financial sustainability of an individual, a family or a group, and may include:
death
total and permanent disablement
temporary loss of income resulting from accident or sickness
traumatic sickness or injury.
Medical risks rating systems and risk handling techniques may include:
cash extra loadings
class systems
exclusions
numerical systems.
Risk acceptance criteria may include:
exclusions
loadings
other specific terms and conditions
standard cover conditions.
Procedures may include:
organisational complaints handling processes
organisational customer service charter
organisational guidelines
organisational policy
organisational privacy and confidentiality guidelines
organisational procedures.
Regulatory requirements may include:
insurance contracts legislation
life insurance legislation
corporations legislation
privacy legislation
Australian Securities and Investments Commission (ASIC) regulatory guides
Industry Codes of Practice.

The evidence guide provides advice on assessment and must be read in conjunction with the performance criteria, required skills and knowledge, range statement and the Assessment Guidelines for the Training Package.

Overview of assessment

Critical aspects for assessment and evidence required to demonstrate competency in this unit
Evidence of the ability to:
apply analytical and administrative skills in relation to medical risk assessment
maintain and apply a thorough understanding of guidelines and administrative requirements
apply underwriting policies and procedures
perform tasks in accordance with relevant procedures and regulatory requirements.
Context of and specific resources for assessment
Assessment must ensure:
competency is demonstrated in the context of the work environment and conditions specified in the range statement either in a relevant workplace or a closely simulated work environment
access to and the use of a range of common office equipment, technology, software and consumables
access to records
access to organisational policies and procedures.
Method of assessment
A range of assessment methods should be used to assess practical skills and knowledge. The following examples are appropriate for this unit:
evaluating an integrated activity, which combines the elements of competency for the unit, or a cluster of related units of competency
observing processes and procedures in workplaces
verbal or written questioning on underpinning knowledge and skills
evaluating samples of work
accessing and validating third party reports
setting and reviewing workplace projects and business simulations or scenarios.
Guidance information for assessment