Solution
For life insurance underwriting and new-business operations teams: scanned medical histories turned into standardized case reports, risk clauses scored on your profile, every value deep-linked to its source image.
The problem
Patient medical records arrive as image files, tens of thousands of pages at a time — unsearchable, unlinked, and readable only by putting an expert in front of every page.
Subject-matter experts hired to evaluate risk spend their days reading scans and typing case reports, with no link back to the pages the values came from.
Risk judgment differs with each reviewer, and non-standard clauses slip through undetected — the inconsistency reinsurers and regulators ask about.
The product, not a promise
How it works
Scanned patient medical history records arrive as image files, tens of thousands of pages at a time.
The platform reads the scans and structures the medical history into standardized fields.
Risk clauses are identified and scored against the insurer's own risk severity profile.
Case reports are generated automatically, each value deep-linked to the source image.
Underwriters review the report and make the decision — the platform never decides for them.
Who it's for
Underwriter
Head of underwriting operations
IT / compliance
One of the largest non-bank private-sector life insurers had a familiar bottleneck: more than 100,000 pages of patient medical history records, all scanned images, that had to become structured, standardized case reports before an underwriter could touch a case. Over 250 subject-matter experts spent their days reading medical documents and keying reports by hand — with no search, no link back to the source scans, and risk evaluation that varied with whoever read the file. Non-standard clauses slipped through undetected.
Botminds deployed its risk underwriting solution in the customer’s own private cloud, aligned with HIPAA requirements — patient data never leaves the client environment.
The platform reads the scanned records and generates standardized case reports automatically. Risk clauses are identified and scored against the insurer’s own risk profile: the no-code platform captures how the organization’s SMEs actually judge risk, through point-and-click training inside the tool, and standardizes that judgment across every case.
The reports are searchable, and every extracted value is deep-linked to the exact source image it came from. An underwriter who wants to verify a condition or a date clicks through to the page instead of hunting through a 400-page scan.
Underwriting decisions carry decades of liability, so the platform is built to assist judgment rather than replace it. Every case report keeps its evidence trail — value to page, page to file — and the underwriter makes every decision. Standardized reports mean two underwriters looking at the same history see the same risks, which is the consistency regulators and reinsurers ask about. The SMEs move from data entry to what they were hired for: evaluating risk.
Objections, answered
Every value in the case report is deep-linked to the exact source image it came from, so verifying a condition or a date is a click, not a hunt through a 400-page scan. The underwriter makes every decision; the platform never decides for them.
Risk clauses are scored against your risk severity profile, captured from how your SMEs actually judge cases through point-and-click training in the tool — no code. The scoring standardizes your judgment across every case rather than importing a generic dictionary.
The solution deploys in your own private cloud, aligned with HIPAA requirements — patient data never leaves the client environment. The full evidence trail stays with each case for audit.
Load a set of historical case files; the first generated reports are compared against reports your SMEs already wrote. Most teams are validating output within days and running live cases within weeks.
Watch it become a searchable, deep-linked case report live in the demo.
Request a demo