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（英文版）（19页）.pdf

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