REMOTE VITAL SIGNS IN INSURANCE

Real-time health insights across the policy lifecycle

Vitals AI gives insurers a way to add objective wellness signals into onboarding, underwriting, and risk management workflows using a simple 30-second camera scan.

Man conducting a remote biometrics vitals scan on a insurance onboarding session

THE PROBLEM

Limited visibility into real-time risk

Insurance decisions are often made using static, self-reported, or outdated data. Applications rely on questionnaires, historical records, and point-in-time checks, leaving a gap between declared information and observable wellness signals.

Reliance on self-reported data

Applicants may misreport, forget, or misunderstand key health information, leading to inconsistent or incomplete risk profiles.

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.

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.

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

Full Name

Date of Birth

Date of Birth

Biometric Indicators

Biometric Indicators

BP Insights

BP Insights

Enhanced onboarding and intake

Capture structured applicant data alongside every scan. Build flexible flows for different products, geographies, and underwriting models.

Capture structured applicant data alongside every scan. Build flexible flows for different products, geographies, and underwriting models.

Vitals Biometric Scan

Seamless camera scan

Applicants complete a 30-second scan using their phone or laptop camera. No wearables, no medical devices, no friction.

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.

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.

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.

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.

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.

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.

Track changes in customer health over time and move from static underwriting to dynamic risk visibility.

woman conducting a remote biometrics scan with a phone
Scan report interface

OUTCOME

Faster decisions, better risk visibility

Add objective context

Complement self-reported data with objective physiological signals to inform your existing processes.

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.

Remove the need for devices, clinics, or complex logistics.

Accelerate time to decision

Instant data reduces delays across underwriting workflows.

Instant data reduces delays across underwriting workflows.

Lower operational costs

Reduce reliance on manual reviews and external medical checks.

Reduce reliance on manual reviews and external medical checks.

Enable continuous risk insight

Move from one-time assessments to ongoing visibility.

Move from one-time assessments to ongoing visibility.

young man conducting an rPPG scan using Vitals AI
biometric health scan results
man working at a scan interface

DEPLOYMENT

DEPLOYMENT

Simple to deploy, built for scale

Deploy anywhere

Fully hosted infrastructure with built-in security, compliance, and scalability.

Fully hosted infrastructure with built-in security, compliance, and scalability.

Scan in 30 seconds

Clients use their own device. No downloads required, no friction.

Clients use their own device. No downloads required, no friction.

Instant results

Data is available immediately for both clients and underwriters.

Data is available immediately for both clients and underwriters.

Track and act

Monitor individuals and cohorts through dashboards, integrations, or APIs.

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.

Shorten application and underwriting cycles.

Enrich applicant profiles

Add objective wellness signals to existing risk evaluation processes.

Add objective wellness signals to existing risk evaluation processes.

Enhance customer experience

Faster onboarding with fewer steps and less friction.

Faster onboarding with fewer steps and less friction.

Scale digital distribution

Support high-volume onboarding without operational bottlenecks.

Support high-volume onboarding without operational bottlenecks.

Extend visibility

Add wellness signals and trends beyond initial onboarding.

Add wellness signals and trends beyond initial onboarding.

Enable member self-tracking

Members can track trends over their policy lifecycle to improve health outcomes.

Members can track trends over their policy lifecycle to improve health outcomes.

SECURITY & DATA

Enterprise-ready governance and protection

SOC 2*

HIPAA

GDPR

LGPD

POPIA

APP

Built for regulated environments

Controls and safeguards support HIPAA, GDPR and other regional privacy requirements. *SOC 2 and ISO 27001 in progress.

SOC 2*

HIPAA

GDPR

LGPD

POPIA

APP

Built for regulated environments

Controls and safeguards support HIPAA, GDPR and other regional privacy requirements. *SOC 2 and ISO 27001 in progress.

Encrypt every signal

End-to-end encryption protects every scan, in transit and at rest. Client health data stays locked down to enterprise standards.

End-to-end encryption protects every scan, in transit and at rest. Client health data stays locked down to enterprise standards.

image of remote call with vitals metrics and emotions

Own your data

Your client data stays yours. Transparent governance, audit trails, and safeguards built in.

Your client data stays yours. Transparent governance, audit trails, and safeguards built in.

remote insurance scan

Built for regulated environments

Designed to meet the needs of global insurance providers.

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.

No IT overhead, no cloud setup, no separate monitoring. Infrastructure is built in, with end-to-end hosting, encryption, and data governance.

Boy on laptop
Woman on telehealth call
Man using computer
Woman doing biometric scan
Vitals AI Scan interface
Man doing biometric scan
Woman on phone
woman typing on computer
group telehealth call

Objective member-state screening in 30 seconds

Try Now

Join Waitlist

Try Now

Book Demo

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?

Vitals AI conducts a 30-second face scan on the applicant's own device and returns physiological wellness signals to your underwriting, onboarding, or member portal systems via API. Insurers can use it to enrich digital onboarding, capture wellness baselines at policy issuance, or support ongoing engagement across the policy lifecycle. The scan replaces nothing in your clinical or actuarial processes; it adds objective context alongside them.

Is Vitals AI a medical device?

No. Vitals AI is a general wellness tool that provides biometric insights for informational purposes. It is not intended to diagnose, treat, cure, or prevent any disease, and it does not replace professional medical advice or clinical judgment. Health organizations use it to add objective wellness context to virtual care, alongside, not in place of, standard clinical workflows.

What devices do applicants need to complete a scan?

Applicants need a smartphone, tablet, or laptop with a working camera and internet connection. No wearables, sensors, app downloads, or medical equipment are required. The scan runs in the browser, which means it works across operating systems and device types without IT setup on the applicant side and without requiring in-person clinic visits.

How does Vitals AI integrate with our underwriting and policy systems?

Vitals AI integrates via API. Your engineering team can embed the scan into existing application flows, broker portals, mobile apps, or member experiences, and route the resulting wellness signals into your underwriting workbench, policy admin system, or analytics platform. Common integration patterns include digital onboarding, post-application data enrichment, and ongoing member engagement.

Is applicant and customer data secure?

Yes. Vitals AI is built to HIPAA, GDPR, and SOC 2 standards, with end-to-end encryption protecting every scan in transit and at rest. Your organization retains ownership of customer data, with audit trails and governance controls built in. The platform is designed to meet enterprise compliance requirements across US, UK, and Australian regulatory environments.

Can Vitals AI be used for accelerated underwriting?

Vitals AI can enrich the data available during digital underwriting flows, providing objective wellness signals alongside applicant declarations and your existing data sources. Whether and how those signals are incorporated into specific underwriting decisions depends on your actuarial models, regulatory environment, and product design. Insurers typically use Vitals AI as a complement to, not a replacement for, established underwriting processes.