Risk assessment: NORMRISK® Health

Munich Re has taken up the challenge of developing a knowledge-based underwriting system NORMRISK® Health in health insurance.

NORMRISK® Health is an expert system for risk assessment in individual health insurance.

Experience gained over many years in the underwriting and technical side of developing expert systems, regular exchange with clients and partners in pilot projects, and use of modern innovative technologies have all gone into the making of an expert system designed for the future.

NORMRISK® Health is a powerful expert system that

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  assists the underwriter in individual health risk assessment;
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  supports the training of underwriters;
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  is easy to use;
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  draws on extensive know-how in health insurance underwriting;
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  promotes consistency approaches, procedures and decisions.

NORMRISK® Health guides the underwriter in providing

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  assessment details and required data inputs;
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  suggested ratings for a wide variety of impairments, diagnoses, symptoms and treatments;
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  further guides/prompts for the underwriter on specific data needed for impairments to be assessed.

Advantages of NORMRISK® Health

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  interaction between system and underwrites' answer;
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  system is user-friendly;
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  guides to risk-adequate decisions;
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  makes suggestions for final decision;
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  "intelligent" manual.