sehatINDIA UnderRite™ is a reliable risk assessment & rating service for Health insurance industry. UnderRite™ reviews the medical status and specified medical conditions and provides individual underwriting decisions.
sehatINDIA’s UnderRite™ Risk Assessment Services fulfills the need of the Insurance companies by recognizing medical conditions, understanding their underwriting relevance, and applying a consistent approach in line with client requirements.
The key to successful implementation of the risk assessment process is to understand policy benefits and client requirements in detail – exclusions, acceptability criteria, data collection. sehatINDIA UnderRite™ has dealt with more than 1500 different medical conditions and several thousand synonyms for these conditions and has developed protocols for the client assessment
The sehatINDIA UnderRite™ process assesses medical risk and allows an insurer to
- Accept good risk
- Apply financial limits to cover
- Exclude certain benefits or groups of benefits from cover
- Consider additional premium options
without imposing any "standardized" approach – the insurer sets the parameters within which he wants to operate.
sehatINDIA UnderRite™ Advantages at a glance
- Assists underwriters in health risk assessments
- Ensures consistency in underwriting approaches, procedures and
- Draws on extensive know-how in health insurance underwriting and supports the training of primary insurance underwriters.
- Speeds up the underwriting process
- Provides Flexibility to accommodate cases
- Facilitates Quick and easy decision-making
- Increases efficiency in underwriting
- Managing applicant data
- Checks plausibility