Provides new insights from physician and hospital encounters
Along with Prescription Data, Medical Information Bureau data, Motor Vehicle Record data, and application information, Medical Data (as authorized by the applicant) provides additional real-time applicant insight to help insurers make consistent and efficient underwriting decisions.
Medical Data includes diagnoses, hospital and physician procedures, inpatient and clinic-administered medications, and medical equipment information from medical billing records; these are standardized codes submitted by health care providers to insurers. Medical Data is integrated within Milliman’s Irix® underwriting engine to generate enhanced automated underwriting decisions.
This short video illustrates how Medical Data can help reduce attending physician statements, reveal hidden risks, and give a more comprehensive real-time assessment of an applicant’s health.
Applicants sign a HIPAA-compliant authorization, enabling insurers to retrieve their medical information
Insurers electronically query Milliman IntelliScript in real-time
Milliman instantly gathers information from multiple data sources
Irix interprets the data and generates automated decisions based on the insurer's guidelines
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