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 Black Box?

We have worked with insurers to automate the assessment of pre-existing conditions since 2000. In 2018, Verisk’s Travel Black Box was responsible for the successful completion of more than 21 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.


Get data quickly

Inform underwriting decisions with Verisk's Black Box solutions

Verisk’s Black Box 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.

The Black Box customer experience is simple

Customer experience graphic


What is the likely impact of a pre-existing condition on my claims experience?


How do we predict both ongoing and future costs related to pre-existing conditions?


How likely will a pet's pre-existing condition result in a veterinary claim and what is the expected cost?

Income Protection

What is the likelihood of an individual being unable to work as a result of their declared medical condition?


Focused on the customer experience

Verisk is committed to the delivery of a simple and smart customer journey that enables stratification of the key determinants of risk.

data and analytics

Robust and up-to-date analytics

Our analytics have been developed and refined over the past 18 years by experts in medical risk assessment based on customers’ unique data sets and experiences.

Fast and reliable information

Easy to implement

Our solution is easy to implement through an application program interface (API) or a Widget plug-in solution.

For more information:


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