insurance-underwriting-health-verification

What problem does it solve?

This Skill helps underwriting teams systematically verify insurance application health information, including interpreting customer-provided statements (text or voice), standardizing medical terminology, checking for contradictions, and producing a structured risk-scored underwriting recommendation.

Core Features & Use Cases

• Health disclosure item-by-item review: Ensures every health disclosure question is audited and risk-labeled, with explicit inconsistency detection.
• Multi-source evidence extraction & parsing: Uses OCR for document scans and ASR for audio-to-text to extract health-related facts and build a health timeline.
• Risk scoring & underwriting-matrix matching: Scores risks across health/financial/family dimensions, then maps conditions to underwriting outcomes (standard, rating, exclusion, deferment, or rejection).

Use Cases: Trigger when reviewing a new application, performing pre-underwriting risk screening for agents, auditing health disclosure answers, generating a customer risk profile, or deciding whether an applicant is suitable for underwriting.

Quick Start

Use the insurance-underwriting-health-verification skill to audit a health insurance application by asking the user for missing applicant details and then producing a structured underwriting pre-screen report with risk level and recommended next steps.