_________ method of underwriting is suitable while deciding a complex case, e.g. whether to give insurance to someone who has acute diabetes.

A. Instrumental

B. Panelling

C. Non-medical

D. Judgmental

Answer: Option D

Solution(By Examveda Team)

Judgmental method of underwriting is suitable while deciding a complex case, e.g. whether to give insurance to someone who has acute diabetes. Under this method, subjective judgment is used, often relying on the expert opinion of a medical professional known as the medical referee, especially when the deciding case is complex.