When handling personal claims, the Claims Adjuster sometimes needs a doctor to give their assessments on the case; that’s what is called Medical Advisory.
The assessments then act as support for the Claims Adjuster to understand an analyze the medical journals and other materials about the insured’s injury, functions and capabilities.
The Medical Advisor does not make any decisions; his role is only to give advice and to help the Claims Adjuster who makes the decisions. It is a must that the Medical Advisor is independent and non-biased to all parties of the case.
You can say that insurance medicine is in the land between medicine and law. It is, therefore, important that the advisor is a specialist within the specific medical field and has adequate training in insurance medicine.
Mavera’s part in this is to connect the insurance company with the best suited Medical Advisor and to make sure that the questions and assessments hold high quality. As we train and compensate the advisors, we act as a bridge between them and the insurance company, making sure that they never favor an insurance company and are always non-biased.
It is essential to understand that Mavera never makes any assessments or influences the doctors; the assessments should only be based on the Medical Advisors’ expertise. Having your medical assessments done trough Mavera is a guarantee that they are done independently, with high quality.