Medical Decision Platform

Consistent and accurate medical decisions. Delivered in real time.

Built for medical underwriting at scale, our Medical Decision Platform reduces manual effort, accelerates customer onboarding, and enhances fraud detection – without compromising on precision and quality in Life & Health underwriting in the Indian market.

Book a demo Watch the product video

Introducing the Medical Decision Platform

Today’s underwriting demands more than experience – it demands speed, consistency, and built-in intelligence. Our platform empowers insurers to make confident, real-time medical underwriting decisions by processing information from multiple sources.

Your input: Information from application forms, medical examination reports, and diagnostic results are fed into the platform.

Our Medical Decision Engine: A robust rule engine, our proprietary medical calculators, and intelligent fraud detection modules work together to deliver fast and consistent risk assessments.

The result: Real-time medical underwriting recommendations with less manual effort, faster turnaround times, and decisions you can stand behind.

Why Medical Decision Platform?

Accelerated time to issuance

Embedded medical intelligence turns data into actionable insights. Freeing your teams from manual processing enables faster, more consistent risk assessment, ultimately leading to better customer experience.

Improved portfolio quality

Our rule engine and risk modules flag anomalies early, improving portfolio quality and stronger downstream profitability.

Operational efficiency that grows with you

Designed for seamless integration and scalability, the platform simplifies complexity – so you can handle more business, with less friction and greater control.

Medical Decision Platform - features

Munich Re medical risk calculators

Munich Re’s rule engine

Intelligent fraud detection modules

Our proprietary calculators are designed by Munich Re’s medical and actuarial experts to translate clinical data into clear, consistent risk outcomes. Each calculator reflects evidence-based thresholds and real-life underwriting experience – ensuring your assessments are efficient and reliable.

At the core of the platform lies Munich Re’s sophisticated rule engine – fine-tuned through global insurance insight and validated across millions of cases. It turns data into meaningful decisions, enabling consistency across teams, alignment with underwriting guidelines, and real-time decision support with every application.

Our platform’s risk modules use intelligent pattern recognition to flag irregularities in medical documentation, test results, and declarations. From data inconsistencies to suspicious information, potential fraud is identified early - helping protect your portfolio quality and improve downstream claims performance.