It considers the past, present, and future health of the subject and determines the underwriting exposure of insurance companies.
The process of generating the Health CIBYL involves the collection of the following data and then applying the HV Proprietary algorithms to develop the score:
Health data that we collect over time are not just a bunch of disconnected numbers anymore. It has subtle interconnections and insights which speak a story about the overall health of an individual.
We have set out on a journey to explain this story which will help individuals take actions to improve their Health CIBYL score and enhance insurability.
Insurers can provide data on CVS/Excel format or via API handshake
Extreme control and care in privacy and confidentiality of personal information
Health CIBYL can be fed directly into the underwriting logic for various possible flows of go/ no-go decisions
Innovation flows through our veins. Authentic science is at the heart of it. The science behind the creation of our health analytics engine is precise, enriched by the experience of doctors along with vast pools of knowledge from the healthcare domain. Exclusively created by the experts at Health Vectors, our Health Analytics Engine efficiently simplifies complex health data, thereby making it easier for the end user to understand and take charge of their health.
Our Health Analytics Engine also has predictive elements that aids in the prediction and prevention of chronic diseases. Our engine has analyzed over a million cases and has been validated by over a hundred doctors globally.