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Electronic Health Records and Data Standards for Life Insurance
Life insurance underwriting is a notoriously difficult and historically non-standardized process, heavily impacted by the quality of the health records used to make decisions. For On The Risk, The Journal of the Academy of Life Underwriting, Dr. Paulo Pinho, Discern Health’s chief medical and strategy officer, and Andy Kramer, vice president of underwriting risk and innovation at M Financial, explored the past, present and future of electronic health records (EHRs) in life underwriting, the need for interdisciplinary collaboration between underwriters, informaticists and technologists, and how data standards will revolutionize the future of the industry.