Pre-existing medical conditions are an important factor to consider in health insurance underwriting. But obtaining and analysing that information can be a major challenge. How do you get the information you need to make precise underwriting decisions?
Verisk’s Health Risk Rating Tool automates the medical risk assessment process, providing insurers with information needed for fast and consistent responses. Instant results are delivered following the completion of a simple, intuitive self-declaration of a customer’s medical conditions.
The Health Risk Rating Tool provides a breakdown of the different risk exposures within health insurance, including maintenance costs, consequential loss, and elective procedure exposure.
The Health Risk Rating Tool is easy to implement through an application program interface (API) or widget plugin solution.
The methodology in the Health Risk Rating Tool has been developed and refined since 2000 by experts in medical risk assessment based on customers’ pre-existing conditions.
The Health Risk Rating Tool uses consistent medical codes to identify pre-existing conditions. These codes can help match pre-existing conditions to claims.
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