Medical Underwriting is a basic stage for any Health and Life Insurance company. The competitive environment constantly demands new products, with greater insured amounts, resulting in the need for a more rigorous risk selection and, consequently, more sophisticated procedures and evaluation tools.
Our platform allows immediate contact with the customer during the sales process, ensuring an immediate decision for most of the situations being evaluated. The Medical Underwriting platform includes the possibility of performing a clinical evaluation by Telephone Interview or by filling out an online form, via PC or mobile, according to the contact method suggested by the Customer. The platform was developed to be adaptable to the different distribution channels - online, face-to-face, telephone or over the counter.
The parametrisation of the questions to be achieved, as well as the decision algorithms, may be adaptable and configurable according to the risk management policy defined by the Corporate Customer. On the other hand, mechanisms may be developed for integration with the platforms for Reinsurance Underwriting, thus guaranteeing the automatic application in real time of all of the algorithms developed by the reinsurer partner of our Corporate Client.