medical underwriting for insurance companies

 Application review - digital  
  MINDS medical supports insurance companies in the examination of applications in medical underwriting. Our software solution "MM-sure" digitizes part of your underwriting workflows using artificial intelligence.

  Analysis step - automated 
MM-sure can automatically analyze the health risks of many customer inquiries within a few seconds based on a physician's letter. This allows your customers to choose the appropriate insurance package directly without any personal queries.   

Data - protected

  As an insurance company, you attach great importance to protecting your customers' data. That is why MINDS medical distributes the software directly to your server.
This gives you full control over confidential patient data in your home and protects the personal data of potential new and existing customers. 

The Problem
The admission of new customers presents insurers with health and life insurance companies with the challenge of evaluating individual risks through health issues. Usually insurance agents without medical previous knowledge take over the data collection.
The analysts in the insurance company must decide on the customer on this basis.
The risks are often misjudged and interested parties are classified in the wrong risk groups and thus they get in the wrong premium classes - or even unnecessarily rejected.
The costs for medical underwriting and agent distribution are enormously high - yet many people remain without insurance or fall into inappropriate premium classes.     

Our solution
  The Software "MM-Sure" encodes customer inquiries independently and on the basis of data.
​Our technology is based on artificial intelligence and learns to code automatically based on previous decisions. It independently analyses the medical risks of each potential new customer and offers the appropriate tariff on the basis of submitted medical letters. The diagnoses of the doctor's letters are converted into codes according to the International Statistical Classification of Diseases and Related Health Problems (ICD-10) and thus compared with the specially defined health questions. Insurance companies can thus save up to 30% on underwriting costs.

MM- sure
at a glance

MINDS-Medical is the only provider on the market that analyses medical risks with artificial intelligence for insurance companies.


Our software has the following USPs:

  • Automatic coding: Learned diagnoses from medical free text
  • Underwriting: Through diagnostic comparison with health issues
  • User feedback for the system: Thanks to the built-in machine learning techniques, the underwriters can train the system not to repeat mistakes.
  • Independent adaptation: The system automatically adopts changes to the coding set of rules. Unlike rule-based systems, no technician needs to be on site.