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A global solution to underwriting medical risk

Assess the medical risk presented by pre-existing conditions

The exclusion of pre-existing medical conditions from insurance policies is still standard practice in most countries and across many product lines. However, with increasing competition and regulation has come pressure to underwrite more inclusively.

How can insurers quickly and accurately obtain the information they need to assess the risk presented by individuals with pre-existing conditions? Verisk can help.

Why Verisk's Risk Rating Tool?


Why Verisk's Risk Rating Tool?

We have worked with insurers to automate the assessment of pre-existing conditions since 2000. In 2023, Verisk’s Travel Risk Rating Tool was responsible for the successful completion of more than 33 million risk assessments. The integration of our software into the workflows of insurers, brokers, distributors, banks and price comparison websites has established the Black Box as a leading solution in the marketplace.

Inform underwriting decisions with Verisk's Risk Rating Tool

Verisk Risk Rating Graphic

Inform underwriting decisions with Verisk's Risk Rating Tool

Verisk’s Risk Rating solutions have been designed to assess the level of medical risk presented by pre-existing conditions. With a simple integration of our automated medical underwriting tool into point of sale systems, insurers can transform their processes. Instant results are generated following the completion of a simple, intuitive declaration of a customer’s medical conditions.

Discover health and travel products

Health Risk Rating Tool

Transform your health insurance underwriting with the automated assessment of medical conditions.

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Travel Risk Rating Tool

Improve the customer experience and expand your market with automated assessment of travelers’ pre-existing conditions.

Learn more

For more information:


Call us:

  • Australia: +61 7 2103 8339
  • China: +86 136 4161 8575
  • Hong Kong: +852 800 931 793
  • Singapore: +800 852 6870
  • UK, Europe, and North America: +44 20 84817765

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