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Solutions

Life, Health, and Travel Risk Rating

Transform insurance underwriting when you automate the assessment of medical conditions. 

Automate medical risk assessment

Verisk Risk Rating Tools help you automate medical risk assessment and underwrite inclusively for your customers, including those with pre-existing conditions.

Underwrite at the point of sale

Quickly and easily implement Risk Rating Tools through an application programming interface (API) or widget plugin solution. 

Increase market share

Enable more inclusive underwriting to help close the insurance gap and increase your market share. 

Streamline claims workflows

Verisk Risk Rating Tools can easily identify and match pre-existing conditions to claims using consistent medical codes (ICD 9 and 10). 

Assess medical risk presented by pre-existing conditions

We have worked with insurers to automate assessment of pre-existing conditions since 2000. In 2023, Verisk’s Risk Rating Tool helped insurers complete more than 33 million risk assessments. Integration of our software into the workflows of insurers, brokers, distributors, banks, and price comparison websites has established the Risk Rating Tool as a leading solution. 

Features and capabilities

When you need to quickly and reliably underwrite for your customers, including those  with pre-existing health conditions, look to Verisk’s risk rating tools for life, health, and travel. 

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Travel Risk Rating Tool

Deliver inclusive underwriting experiences and expand your market with automated assessment of travelers' pre-existing medical conditions.

Learn about the Travel Risk Rating Tool 
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Health Risk Rating Tool

Deliver inclusive underwriting experiences and expand your market with automated assessment of customers' pre-existing medical conditions.

Learn about the Health Risk Rating Tool 

Risk assessment training is vital to any insurance sales operation. Access the Risk Rating Tool e-training for a convenient, interactive learning experience where and when you choose. 

Learn about e-training 

Related resources

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Article

Upcoming Chinese regulations push for automation in underwriting

Automated underwriting in China is expected to grow substantially following the announcement of new regulations in 2022.
Read the article 
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Article

EU warning on pre-existing conditions should prompt travel insurance reform

While the exclusion of pre-existing medical conditions in travel insurance policies has been standard practice in Europe, there is regulatory pressure to reform.
Read the article 
 
 

Contact us to learn more

Please contact us for questions, technical support, or to reach a salesperson. We are available Monday through Friday, 9 a.m. — 5 p.m. BST:

Hand Phone Ec7a5889
Global toll-free:

International Access code, then 800 48977489.

Hand Phone Ec7a5889

Main toll-free:

1-800-888-4476