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.”
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