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律商风险:2024双重视角下的保险业死亡率风险管理白皮书:医疗与非医疗数据并用 构建全面风险管理体系(中译版)(19页).pdf

上传人: 白**** 编号:464802 2024-12-29 19页 9.97MB

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1、Make heads and tails of risk using medical and non-medical data together.Two sides of the same coin:Executive Summary.1Uncover additional,unknown risks.22024 LexisNexis Risk Solutions Insurance Mortality Risk Management Study.3When 1+1 is more than 2.4Make more informed decisions about medical condi

2、tions .5 Example 1:Type 2 diabetes.6 Example 2:Asthma.7 Example 3:Sleep apnea.8 Example 4:Differentiating medical risk scale.9Validating our combined model.11 Predicting mortality with certain risk factors.11 Non-medical and medical factors converge over time.13Combine non-medical and medical data t

3、o reveal previously hidden insights.14Sources .15About the authors.16Table of Contents1LexisNexis Risk Solutions Life MortaltiyExecutive SummaryAnd that means carriers might be overlooking opportunities to enable automated reviews of structured datawithout compromising risk assessment.New research f

4、rom LexisNexis Risk Solutions reveals that within populations considered high risk,there are often segments of individuals with better-than-average mortality risk who could be good candidates for accelerated underwriting.Carriers can identify these segments with data sets theyre already using in und

5、erwriting workflows.The 2024 LexisNexis Risk Solutions Insurance Mortality Risk Management Study demonstrates that by simultaneously analyzing electronic medical data and non-medical data(such as public records,driving history and credit),carriers can better segment applicants and discover previousl

6、y hidden opportunities.Most carriers offer accelerated underwriting paths to process life insurance applications faster,streamline the customer experience and make better use of underwriter resources.But in many cases,when applicants have certain medical conditions,they are automatically triaged for

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本文主要探讨了如何通过结合医疗和非医疗数据来更好地管理生命保险中的死亡率风险。文章指出,大多数保险公司分别分析医疗和非医疗数据,而忽略了将两者结合可能带来的洞察。研究显示,通过同时分析电子医疗数据和非医疗数据(如公共记录、驾驶历史和信用记录),保险公司可以更好地细分申请者,发现以前隐藏的机会。例如,在患有2型糖尿病的人群中,有10%的人具有平均死亡率风险,适合加速核保。在患有哮喘的人群中,有60%的人具有平均或更好的死亡率风险。文章还指出,非医疗数据对于60岁以下申请人尤其有价值,因为年轻的申请人可能没有广泛的医疗历史。总的来说,结合医疗和非医疗数据可以帮助保险公司改善决策,减少死亡率下滑,并推进加速核保计划。
如何利用医疗和非医疗数据提高风险管理效率? 如何通过结合医疗和非医疗数据加速核保流程? 如何利用医疗和非医疗数据发现潜在风险?
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