Health risk assessment engine designed for underwriters

Auto-underwriting engine for Life and Health insurers 

A plug-in SaaS platform that empowers underwriters to develop and manage their own digitized questionnaires converting them into rule-architects and creators

Easy to deploy, No code in the in the health rules and question flow construct

Made for multiple distribution channels and does not require armies of internal resource to implement or manage.

Empowering underwriters to utilise the next generation underwriting tool to assess risk using multiple data sources and a configured knowledge base culminating in the ultimate low touch consumer experience.   

Use the configured base rules knowledge base of over 16,000 conditions and ailments as the base for your authorship. 

No code required to configure products, questions, workflows, outcomes and related ICD or SNOMED codes. Configuration is vendor product specific and undertake by the underwriter (with our help where required), not IT.  

Value add proposition

  1. Use personal data points (Apps) to integrate into the risk assessment journey  
  2. Increase sum assured values and acceptance rates

  3. Configure products in days, questions in minutes

  4. Elastic search 16,000 disclosure terms to enable 100% decisioning 

  5. One rules engine, multiple products, benefits, flows, languages

Sm8rtHealth Underwriter Workbench

The sizzle...

  • No secret-box auto-underwriting -> risk management domain of the underwriter
  • Implementation -> months not years
  • Analytics -> customize a dashboard for your purpose
  • API enabled – > We leave brand, look and feed, to your IT. 
  • Channel agnostic -> Use the same rule set for D to C, Advisor channels or tele-sales
  • 100% decisioning -> all medical conditions and ailment can be captured and accounted for
  • SaaS solution – nothing like the cost of those re-insurer solutions

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