The APS stands for Attending Physician Statement. It is what the insurance company orders when the underwriter wants to review medical records for a medically underwritten policy. The insurance company usually orders the APS through an outside service or through a brokerage, and the insurance company pays the cost for the APS. In some situations, the insured person can provide their own medical records.
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APS means Attending Physician Statement. It really isn't a statement about your health from your doctor is usually is your chart notes for a period of time, like last 5 years or 10 years depending on the company. An APS on average nationally takes about 30 days to complete, so add that time into your wait to hear back from the insurance carrier as most policies take around 5-9 weeks to complete these days.
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An APS is an "Attending Physician Statement," and it is often used when you apply for coverage.
It is a formal request from the insurance company to one of your medical providers (usually your family physician) requesting specific medical records. The insurer usually pays the cost of obtaining the medical records.
When an APS (attending physician statement) is ordered by the life insurance company, the insurance company normally uses a service to obtain the APS from the physician or hospital from whom it has been requested. If you have seen more than one physician in the past 5 years, or if a particular physician has important details about your health condition, be sure to include the contact information for those physicians on your life insurance application. It will make the process go much faster if they can order all pertinent APS's right away.
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It is a formal request from the insurance company to one of your medical providers (usually your family physician) requesting specific medical records. The insurer usually pays the cost of obtaining the medical records.