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Health Underwriting
Next level of underwriting is here
that’s faster and way more
precise
Next level of underwriting is here that’s faster and way more
precise
With Anaira’s versatile approach to underwriting, cohort-based journeys are
prioritised. You experience a safe automation workflow and reduced manual oversight.
At a Glance
Adaptive intake → fewer missing loops and cleaner disclosures
Targeted evidence → lower friction, more consistent scrutiny
Consistent terms and captured reasons → fewer disputes, higher defensibility
Health Underwriting
Next level of underwriting is here
that’s faster and way more
precise
With Anaira’s versatile approach to underwriting, cohort-based journeys are
prioritised. You experience a safe automation workflow and reduced manual oversight.
At a Glance
Adaptive intake → fewer missing loops and cleaner disclosures
Targeted evidence → lower friction, more consistent scrutiny
Consistent terms and captured reasons → fewer disputes, higher defensibility
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OUTCOMES
OUTCOMES
OUTCOMES
Your risk management levelled up
Your risk management levelled up
Speed without losing control
Structured referrals, clear approval tiers
Speed without losing control
Structured referrals, clear approval tiers
Speed without losing control
Structured referrals, clear approval tiers
Better risk selection
Multi-dimensional signals; fewer blunt checks
Better risk selection
Multi-dimensional signals; fewer blunt checks
Better risk selection
Multi-dimensional signals; fewer blunt checks
Earlier anomaly routing
Proposal-stage pattern detection
Earlier anomaly routing
Proposal-stage pattern detection
Earlier anomaly routing
Proposal-stage pattern detection
Consistent application of policy
Less “who handled it” variance
Consistent application of policy
Less “who handled it” variance
Consistent application of policy
Less “who handled it” variance
Foundation for portfolio outcomes
Path to persistency/LTV-aware UW
Foundation for portfolio outcomes
Path to persistency/LTV-aware UW
Foundation for portfolio outcomes
Path to persistency/LTV-aware UW
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AI CAPABILITES
AI CAPABILITES
AI CAPABILITES
Where our risk intelligence
fits in the lifecycle?
Anaira
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Onboarding
Disclosures, missing-infoloops, docs
Onboarding
Disclosures, missing-infoloops, docs
Onboarding
Disclosures, missing-infoloops, docs
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Decisioning
Cohorts, evidence, terms
Decisioning
Cohorts, evidence, terms
Decisioning
Cohorts, evidence, terms
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Optional Monitoring
Drift, partner quality
Optional Monitoring
Drift, partner quality
Optional Monitoring
Drift, partner quality
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Health Underwriting
SOLUTIONS
SOLUTIONS
SOLUTIONS
Before and after implementation
Before and after implementation
Today
Static forms
Blanket Tele-MER/tests
Overrides hard to justify later
With Anaira
Approve-tiered exceptions with trails
Cohort journeys
Adaptive intake
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WORKFLOW
WORKFLOW
WORKFLOW
The transformed workflow
The transformed workflow
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PROCESS
PROCESS
PROCESS
Immediate results in
risk actions
Proceed/Hold/Route
Proceed/Hold/Route
Approve/Decline/Defer/Counter-offer
Approve/Decline/Defer/Counter-offer
Evidence required
Evidence required
Escalate to specialist/SIU
Escalate to specialist/SIU
Apply loadings/Exclusions/WPs
Apply loadings/Exclusions/WPs
Override approvals with evidence
Override approvals with evidence
Operations chases less missing information
Operations chases less missing information
Medical co-ordination becomes structured
Medical co-ordination becomes structured
Senior UW focuses on edge cases
Senior UW focuses on edge cases
Leadership answers “why” without narrative rebuilds.
Leadership answers “why” without narrative rebuilds.
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CHANGES
CHANGES
CHANGES
Improved operating
model
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EVALUATION
EVALUATION
EVALUATION
Signals that reflect
transformation
Member/Disclosures
Member/Disclosures
Partner/Channel quality
Partner/Channel quality
Anomaly patterns
Anomaly patterns
Locality/Provider
Locality/Provider
Documents
Documents
What AI does
Intake quality checks, document extraction, cohort assist, anomaly routing cues
Intake quality checks, document extraction,
cohort assist, anomaly routing cues
Outputs:
Targeted evidence prompts, structured summaries, reason codes, confidence
Targeted evidence prompts, structured summaries,
reason codes, confidence
Where embedded:
Intake → evidence targeting → review queues
Controls:
Governed thresholds, no black-box declines, override logging, version-stamped trails
Governed thresholds, no black-box declines,
override logging, version-stamped trails
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INTELLIGENCE
INTELLIGENCE
INTELLIGENCE
How does our
transformative AI
take over?
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KPIS
KPIS
KPIS
Huge leap in KPIs
TAT overall and Cohort-wise
TAT overall and Cohort-wise
Manual effort per policy
Manual effort per policy
Referral rate/Time-in-queue
Referral rate/Time-in-queue
STP%
STP%
Audit effort
Audit effort
Disputes/Complaints
Disputes/Complaints
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IMPLEMENTATION
Seamlessly smooth rollout
Start one product/journey
Calibrate cohorts/evidence
Add monitoring loops
Expand products/channels
IMPLEMENTATION
Seamlessly smooth rollout
Start one
product/journey
Calibrate
cohorts/evidence
Add monitoring
loops
Expand
products/channels
IMPLEMENTATION
Seamlessly smooth rollout
Start one product/journey
Calibrate cohorts/evidence
Add monitoring loops
Expand products/channels
Revolutionize your risk intelligence today
Book a demo
A product specifically designed to help all types of organizations perform better through better risk assessment and management.
Revolutionize your risk
intelligence today
Book a demo
A product specifically designed to help all types of organizations perform better through better risk assessment and management.
Revolutionize your risk intelligence
today
Book a demo
A product specifically designed to help all types of organizations perform better through better risk assessment and management.
Book a Demo