dacadoo boosted by Health Risk Assessment tool by FICO
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 with
the FICO®Analytics Workbench
Precision Underwriting
Move beyond static models with hyper-personalized, real-time risk scoring. Gain more accurate estimates of mortality and morbidity to refine underwriting, pricing, and segmentation.
Profit-Driven Precision
More precise morbidity and mortality estimates enable better segmentation, higher conversion rates, and improved portfolio profitability.
Built-In Integration
Skip lengthy technical setups. The Risk Engineis embedded directly into FICO® Analytics Workbench, pre-built, mapped, and ready for testing.
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 with
the FICO® Analytics Workbench Works
Connect via API or FICO® Analytics Workbench
The Risk Engine is now embedded into FICO’s Analytics Workbench, making itinstantly available without complex setup or data mapping.
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. Within the Workbench, these inputs can be combined with other data sources and decision trees for deeper segmentation and refined underwriting.
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
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.