This manual provides general guidelines for underwriting HMO reinsurance with the main focus on specific stop loss coverage. These guidelines are intended to provide the underwriter with a documented, consistent process for evaluating each request for HMO reinsurance. The guidelines provide general information such as basic risk selection parameters, rating considerations, and the type of HMO analysis that should be done. The guidelines also offer advice on topics like experience rating, credibility methodology, and renewal underwriting. 

The guidelines are an important tool to ensure that your product has the appropriate set of underwriting policies and procedures to support it.