Innovative Life Insurance Underwriting with EHR Data

Streamline Underwriting Workflow and Drive Higher Policy Placement

Greenlight enables a life insurance applicant to access and share their medical record data—digitizing the entire process with transparency. Instead of weeks, the turnaround time on obtaining medical record data is minutes, drastically shortening cycle times. And, the records are in a machine or human readable format, which means some decisions can be automated, saving even more time and cost.

Underwriting teams can innovate using rules engines and AI/ML to interpret medical evidence within this highly-codified EHR data set. Insurers can use Greenlight connected EHR data to prospectively model and monitor longitudinal risk profiles over time.

Features & Benefits

Improve Agent & Customer Experience
Replace Unnecessary Labs and Paramedic Exams
Extend Higher Policy Placement
Enable Automated Underwriting
Optimize Risk Management

Use Patient Initiated EHR Sharing to Automate Life Insurance Underwriting

During the application process, Life Insurers have traditionally used paramedic personnel to collect medical information via a physical exam in the home of an applicant. Another method in underwriting is to pursue Attending Physician Statements to assess the medical risk of the applicant. Both are slow and expensive.

Greenlight Health Data Solutions enables a life insurance applicant to access and share the medical record data—digitizing the entire process. Instead of weeks, the turnaround time on obtaining medical record data is minutes. And the records are in a machine or human readable format, which means some decisions can be automated, saving even more time and cost.

Request More Info for Life Insurers

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Workers Compensation and Disability Insurers

Adjudicating a Workers Comp claim involves separating historical medical conditions from those specifically associated to the injury. Medical records are frequently used to make the determination.

The claimant is required to comply with the medical treatment, and the eventual goal is to return to work. Throughout the course of treatment, insurers monitor the claimant’s progress through ongoing requests of medical records. These requests are often fulfilled manually, and it’s not uncommon for record exchanges to occur via fax machine.

Greenlight enables the digitization of medical records for Workers Comp & Disability Insurers. The Greenlight solution provides both the initial medical records and incrementally refreshes the data to provide longitudinal insights over the course of the treatment period, and this data is available on-demand 24/7/365.