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Collaborative Study: The Protective Value of Medical Data

Hannover Re finds that Medical Data delivers valuable insights that would otherwise be missed, especially in accelerated or simplified-issue programs.

We supplied 25,000 de-identified Medical Data “hits” from over 25 carriers to Hannover Re so it could evaluate protective value and highlight the specific risks our product identifies. Key conclusions include:

  • Medical Data provides significant protective value across multiple risk factors, including diabetes, mental health disorders, neurological disorders, substance abuse, and tobacco use.
  • Medical Data provides unique protective value in areas not easily captured with other third-party data
  • Most common causes for new declines included diabetes, cardiovascular disease, schizophrenia, congestive heart failure, and major depressive disorder
  • The study concludes, “Hannover Re sees significant protective value in Medical Data and supports its integration across a variety of programs.”  Read the whitepaper.