insurance-underwriting-health-verification

Automate health disclosure verification by extracting facts from applicant statements using OCR and ASR, normalizing medical terminology, and checking for contradictions. This process applies disease-rule matrix matching to generate a structured risk score and underwriting recommendation.

Risk scoring for insurance pre-screening evaluates health, financial, and family risk dimensions extracted from application evidence. It maps applicant conditions against an underwriting matrix to output decisions like standard acceptance, rating, exclusion, deferment, or rejection.

Yes, you can use ASR for audio-to-text transcription and OCR for scanned documents to extract health-related facts. These extracted facts are compiled into a health timeline to support underwriting pre-screening and contradiction checks.

Yes, YAML is required to define the inputs, rule evaluation logic, and risk parameters for the underwriting process. The system uses these YAML definitions to query underwriting rules and apply conditional guidance for final decisions.

If MCP tools are unavailable, the underwriting checks perform safe degradation by relying on the provided YAML inputs and internal logic. The process continues to normalize medical terminology and score risks without external customer profile or document queries.

Detect inconsistencies in health insurance applications by cross-referencing multi-source evidence like ASR transcriptions and OCR document scans. The system performs explicit contradiction checks on health disclosure answers to label risks and flag inconsistencies.