Underwriting Transformation
Accelerate all underwriting with one platform that connects to every online and offline health data source.
Sell more policies and deliver better customer experiences with comprehensive access to Electronic Health Records (EHRs).
“We’re taking the first steps to digitally transform our business with EHR data. Embedding the Human API platform into e-applications is just the beginning. We’re paving the road for a future with automated rules engines, new risk-scoring solutions, decision support tools, and more. Electronic health records (EHR) data is a rich new medical data source with huge potential to change how we do business, and partnering with Human API is a core part of our innovation strategy.”
Jim Lucas - SVP, Chief Actuary at AAA Life Insurance
Grow your business with one platform that connects to all health data sources
Accelerate all underwriting
Access structured and comprehensive health data from every EHR data source to accelerate all your underwriting.
Drive higher policy placements
Reduce APS dependency, cut cycle times, and increase placement rates by collecting electronic medical evidence faster.
Create better customer experiences
Deliver a fast, digitally-enabled, and transparent buying process that meets modern customer expectations.
Platform Overview Video
Watch this video and learn how our Health Intelligence Platform connects and converts health data into actionable intelligence to create better insurance buying experiences, accelerate underwriting, and improve placement rates.
Access comprehensive, structured health data that enables new underwriting capabilities and solutions
The Human API platform ingests and structures fragmented health data from every health data source - including EHR networks, HIEs, patient portals, pharmacies, labs, and offline retrieval partners - to deliver normalized data outputs that enable underwriting innovation.
Turn health data into information with Medical Evidence Optimization
Health information delivered at the right time - empowering underwriting teams to make better decisions faster and enhancing customer experiences through shorter cycle times.
Custom reports are available through the Human API platform that seamlessly combine data sources across all electronic health records data networks into a single, consistent format. Each report is a solution that can be tailored to a specific use case.
Quick Screen Report
Surface tobacco and build history and automatically identify key undisclosed conditions in EHRs on all applicants.
Increase the number of eligible applications for accelerated underwriting programs and the protective value of cases without labs and exams.
Health Check Report
Replace unnecessary labs and exams by accessing build, vitals, social history, and longitudinal lab & test results directly from electronic health records (EHRs).
Health Check is designed to increase placement rates, improve customer & agent satisfaction, enable better risk management, and enhance the success of Accelerated Underwriting programs.
Highlights Summary + Full EHR Report
This report summarizes and highlights key information across all connected electronic health records, and can be appended as a cover page for the full electronic health record (EHRs) that Human API generates based on an applicant’s longitudinal medical history.
Watch Human API in action
Learn how the Human API platform creates better experiences for underwriters, agents, and consumers.
Improve customer engagement and reduce cycle times with a fully digital EHR retrieval process.
Learn how you can use our platform to accelerate underwriting and create better customer experiences.
Completely digital authorization experience
Replace paramedical exams and labs
20-min average to retrieve complete EHR records
No IT or integrations required
Customer Stories
Guardian uses Human API to Accelerate Disability Insurance Underwriting.
AAA Life Insurance Embraces Electronic Health Records (EHR) Data to Modernize Underwriting Processes and Drive Higher Placement Rates.
The Human API platform is a one stop shop for health data, covering over 270 million lives and 30,000+ data sources.
