Health Risk Assessment Tool for Insurers
Transform how you quantify health risks among your customers using the dacadoo Risk Engine.
What is the Risk Engine?
The Risk Engine is a health risk quantification tool that supports life insurers to estimate disease risks with limited self-reported health and lifestyle data. Our science-based human health risk assessment calculates mortality and morbidity probabilities and imputes estimated values for missing data, useful for multiple use cases.
Why use the Risk Engine?
Launch New Insurance Products
Use comprehensive health and lifestyle data from the dacadoo Risk Engine to create novel insurance products that meet your customers’ diverse needs, like step-based premiums and activity reward programs.
Refine Accelerated Underwriting
Harness Risk Engine data to support your accelerated underwriting processes. Refine the process with dynamic inputs, optimize your premiums, and offer rewards for healthy habits.
Optimize Decision-Making
Combine new data points, like lifestyle information and dacadoo Risk Engine insights, with your traditional life-table health data. Optimize your decisions for individual members or prospective customers.
after 30 days than any other industry
on monthly active users on average per year
from monthly
users
using dacadoo for health engagement
How the Risk Engine Works
Connect via API Key
Instantly access our innovative API and connect the dacadoo Risk Engine to your digital ecosystem quickly and easily.
Input Data
The Risk Engine requires a minimum of four biometric data points — age, sex, weight, and height — and can ingest up to 100 data points, including blood pressure, heart rate, blood values, medical and family history, plus lifestyle factors like physical activity, sleep, and smoking.
Continuous Risk Calculation
The scientifically robust health risk assessment tool uses the provided data and imputes estimated values for missing data, including related uncertainties. Strengthen your solutions by complementing your life-table data with continuous, relative health risk information.
Mortality and Morbidity Probabilities
Understand mortality probabilities of individuals, including overall, cancer, and cardiovascular mortality, as well as morbidity risks for type 2 diabetes, hypertension, metabolic dysfunction, and chronic obstructive pulmonary disease (COPD).
Objective & Reliable Performance
The dacadoo Risk Engine obtains an impressive ROC AUC of 91.6% in estimating overall relative mortality probabilities and performs consistently for people of different demographics.
Actionable Health Data
Use health risk quantification data to support decisions that benefit your enterprise and customers. Improve underwriting decisions, enable dynamic products, and streamline business processes.
Who We Help
The dacadoo Risk Engine is a powerful health risk assessment tool for life insurers.
Insurers
Access dynamic human health risk data, including valuable lifestyle factors, to make better business decisions and develop new insurance products that include lifestyle data.
Book a Demo
Ready to explore what dacadoo can do for you?
Book a demo now and see how we can tailor our solutions to meet your unique needs.
Other Solutions
Are you ready to empower your customers to take control of their daily health and wellbeing? Explore the dacadoo Digital Health Engagement Platform (DHEP). Launch your own digital health app or use our robust features, like the dacadoo Health Score, as part of your own.
