Human API Launches Life Insurance Solution to Power Accelerated Underwriting with Consumer-Centric EHR Data

SAN MATEO, Calif.Aug. 21, 2018 /PRNewswire/ — Human API, the leading consumer-centric health data network, has released a new version of its medical data platform for life insurance carriers and their distribution partners. The solution leverages Human API’s nationwide network of EHR, pharmacy, and lab integrations to deliver electronic health data for more efficient underwriting. The platform now includes the new Human API Enterprise Portal, which allows carriers to request real-time access to medical records, view the results in a longitudinal timeline, and leverage a robust clinical data pipeline to automate underwriting decisions. With no IT integration required, the Enterprise Portal enables insurance carriers and their partners to seamlessly incorporate Human API into their current underwriting programs.

The adoption of electronic health records and patient portals has increased rapidly in recent years, opening the door for new approaches to medical record retrieval and direct consumer engagement. “Attending physician statements (APS) have always been the gold standard for underwriting, but they take too long and cost too much,” according to Jennifer Richards, the Head of Life Insurance New Business and Underwriting at Mass Mutual. “The ability to directly access EHR data will be the biggest game changer for underwriting in my now very long career. Companies who figure out how to access digital EHR data first will find a distinct competitive edge in the marketplace.”

Human API has replaced the fax machine as the main method of retrieving health information in other industries, and sees the enormous potential to improve life insurance underwriting. “We want to make it easy for life insurance carriers to build a mutually beneficial data-sharing relationship with consumers,” says Andrei Pop, the CEO and Founder of Human API. “With the new Human API platform, consumers experience the seamless, digital buying experience they desire, while underwriters and agents gain much faster access to rich clinical data to support streamlined, automated underwriting initiatives.”

By leveraging normalized medical data from Human API, both carriers and reinsurers are able to build models that will improve capacity and help underwriters spend less time manually reviewing each case. Jeevan Duggempudi, Senior Manager in Deloitte Consulting’s Actuarial and Insurance Solutions practice commented, “We believe that EHR data, primarily gathered through patient portal-based technology, has the potential to fundamentally disrupt and improve the life insurance risk assessment process. We have seen those companies who have made the investment to incorporate EHRs into their accelerated and automated underwriting programs realize the vision in which the majority of applications are issued without manual review, thus drastically reducing application time while improving customer experience.” 

The Human API Enterprise Portal is available immediately for life insurance carriers in the United States seeking access to electronic health records and digital health information. Please contact Human API for a product demonstration and detailed review of EHR data availability.

About Human API

Human API is the largest patient-centric health data network. The Human API platform retrieves, normalizes, and delivers clinical data and wellness information on consumers from a network of over 35,000 unique integrations spanning 250M+ consumers. Human API is currently powering industry-leading applications built by life insurance, clinical research, health insurance, pharmaceutical, and digital health companies. To learn more, visit


Leave a Reply

Your email address will not be published. Required fields are marked *