Automated Medical Decision-Making

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What is Automated Medical Decision-Making?

Secure Digital Life Insurance Underwriting: A digital solution for secure life insurance underwriting.

Accelerated Data Analysis: This “e-underwriting” sales tool relies on rapid analysis of your insureds’ medical data based on your acceptance criteria.

Automated Processing: Simplifies and speeds up coverage for all your insured members through automated processing of straightforward cases.

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The secure process of automated health insurance subscription

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KMS Services Hub
Is The Answer To Your Key Questions

How far should I automate my digital underwriting process?

How can I ensure my underwriting rules and their updates are maintained?

How do I integrate this model and data security into my information system?

What interactions are needed with my insureds for various levels of analysis?

How Does Automated Medical Decision-Making Work?

Deploying an automated online health insurance underwriting process requires expert and efficient design tailored to your management rules, featuring:

Seamless Integration: Fully adapts to your business processes and rule bases.
Enhanced Processing Capabilities: Utilizes advanced analytics for handling medical questionnaires and files.
Immediate Qualitative Evaluation: Provides instant evaluation based on thresholds set by your business and medical teams (Standard, revised, or personalized rates).
Highly Flexible and Self-Learning: Continuously optimizes for ongoing improvements.
Modular Architecture: Adapts to all platforms and environments.
Scalable: Evolves with your strategy, legal requirements, and market competition.

What Are the Benefits of Automated Medical Decision-Making?

Secure and Anonymous Process: Ensures complete protection of personal and health data at every stage.
Compliance with Your Strategy: Tailored to your strategy, business processes, and medical queries.
Competitive Advantage: Provides tools for intuitive management, offering a real competitive edge.
Enhanced Security: Features electronic contract signatures with reinforced authentication factors.
Cloud Integration: Easily interfaces with additional solutions from all your technology partners.

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Benefits of Automated Medical Decision-Making

Significant Time Savings: Reduces time spent on routine and simple cases.
Digital Intelligence Assistance: Provides support and advice for complex cases requiring expert input.
Human Decision-Making for Complex Cases: Final decisions for complex cases are made by humans.
Optimized Customer Relationship: Enhances client relations at every stage of the process.
Innovative Online Underwriting: Offers a fast, fluid, and trustworthy online underwriting process.
Immediate Coverage Protection: Ensures rapid protection for insured individuals, a key satisfaction criterion.

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Automated Medical Decision-Making by KMS Services Hub :

Benefits for Insurers

Digital Accelerator:

Boosts your multichannel underwriting processes.

Operational Productivity:

Enhances productivity in handling routine cases.

Regulatory Compliance:

Ensures compliance with legal and regulatory obligations.

Continuous Improvement:

Facilitates ongoing enhancement of products and processes.

Client Experience Optimization:

Improves client experience and satisfaction through detailed dashboards.

Automated Medical Decision-Making by KMS Services Hub :

Benefits for Policyholders/ Members

Secure, Intuitive, and Reassuring Process:

Offers a secure and user-friendly experience.

Secure Medical Document Handling:

Ensures safe transmission and processing of medical documents by experts.

Rapid Personalized Quotes:

Provides near-instant availability of customized health coverage quotes.

Multichannel Access:

Available across multiple channels and devices.

ALLFINANZ SPARK, from Munich Re Automation Solutions, is available fully integrated into the KMS Services Hub.

This makes life easier for Insurers during their digital transformation projects to launch
automated underwriting for their applicants ensuring a much better experience including immediate decisions on underwriting.

— Adnane ALAOUI, Vice President Of Business Development France - BeNeLux

KMS Solutions