THE PROBLEM
Limited visibility into real-time risk
Reliance on self-reported data
Applicants may misreport, forget, or misunderstand key health information, leading to inconsistent or incomplete risk profiles.
Slow and costly medical checks
Traditional underwriting often depends on in-person exams, devices, or third-party providers, slowing onboarding and increasing cost.
Limited ongoing visibility
Risk assessment is typically fixed at onboarding, with little ability to track changes in health over time.
THE SOLUTION
From static inputs to real-time wellness signals
Full Name
Date of Birth
Biometric Indicators
BP Insights
Enhanced onboarding and intake
Capture structured applicant data alongside every scan. Build flexible flows for different products, geographies, and underwriting models.
Seamless camera scan
Applicants complete a 30-second scan using their phone or laptop camera. No wearables, no medical devices, no friction.
Instant results in your workflow
Data flows directly into underwriting systems, dashboards, or decision engines. Risk signals are available immediately, supporting faster decisions.
HOW TO SUCCEED
Built for insurance workflows
Vitals AI fits directly into onboarding, underwriting, and ongoing risk management, not alongside them.
Digital onboarding and identity verification
Embed a scan into the application flow to validate user presence and enrich onboarding with objective health signals.
Accelerated underwriting
Reduce dependency on medical exams and external checks. Use real-time wellness signals to enrich existing underwriting workflows.
Onboarding wellness baseline
Capture baseline wellness signals at policy issuance to enable future comparison and trend visibility.
Ongoing risk monitoring
Track changes in customer health over time and move from static underwriting to dynamic risk visibility.
OUTCOME
Faster decisions, better risk visibility
Add objective context
Complement self-reported data with objective physiological signals to inform your existing processes.
Reduce friction in onboarding
Remove the need for devices, clinics, or complex logistics.
Accelerate time to decision
Instant data reduces delays across underwriting workflows.
Lower operational costs
Reduce reliance on manual reviews and external medical checks.
Enable continuous risk insight
Move from one-time assessments to ongoing visibility.
DEPLOYMENT
Simple to deploy, built for scale
Deploy anywhere
Fully hosted infrastructure with built-in security, compliance, and scalability.
Scan in 30 seconds
Clients use their own device. No downloads required, no friction.
Instant results
Data is available immediately for both clients and underwriters.
Track and act
Monitor individuals and cohorts through dashboards, integrations, or APIs.
IMPACT
What changes in your insurance experience
Underwriting shifts from static, self-reported inputs to data-informed decision-making. Applications become faster, more accurate, and easier to scale across digital channels. Over time, insurers build a richer dataset across customers, improving pricing, segmentation, and risk management.
Increase approval speed
Shorten application and underwriting cycles.
Enrich applicant profiles
Add objective wellness signals to existing risk evaluation processes.
Enhance customer experience
Faster onboarding with fewer steps and less friction.
Scale digital distribution
Support high-volume onboarding without operational bottlenecks.
Extend visibility
Add wellness signals and trends beyond initial onboarding.
Enable member self-tracking
Members can track trends over their policy lifecycle to improve health outcomes.
SECURITY & DATA
Enterprise-ready governance and protection
SOC 2*
GDPR
HIPAA
Compliant, automatically
Built to HIPAA, GDPR, and healthcare-grade standards. Stay audit-ready across every jurisdiction you operate in.
Encrypt every signal
End-to-end encryption protects every scan, in transit and at rest. Client health data stays locked down to enterprise standards.
Own your data
Your client data stays yours. Transparent governance, audit trails, and safeguards built in.
Built for regulated environments
Designed to meet the needs of global insurance providers.
TURN-KEY SOLUTION
A fully hosted & compliant turnkey solution
No IT overhead, no cloud setup, no separate monitoring. Infrastructure is built in, with end-to-end hosting, encryption, and data governance.
FAQ
What is contactless health screening for insurance?
Contactless health screening uses a device camera to capture physiological wellness signals such as heart rate, respiratory rate, and stress indicators without sensors or wearables. The technology, called remote photoplethysmography (rPPG), detects subtle changes in skin color caused by blood flow during a short face scan. For insurers, this enables onboarding and intake flows that include objective wellness data captured directly from any phone or laptop.
How does rPPG work for life and health insurance?
Is Vitals AI a medical device?
What devices do applicants need to complete a scan?
How does Vitals AI integrate with our underwriting and policy systems?
Is applicant and customer data secure?
Can Vitals AI be used for accelerated underwriting?