Smart Underwriter & Digital Onboarding
AI-powered intelligent medical assessment that brings risk evaluation down to seconds.
JSmart digitalizes and accelerates health-insurance risk assessment. From fully digital applications and health declarations to critical-disease burden modelling, video health checks and continuous underwriting across the policy life, it automates the whole journey with AI. Low-risk applications resolve automatically while smart triage routes complex cases to specialists — for fairer premiums and a lower loss ratio.
Fully digital application & health declaration in seconds
Automated AI risk review and pricing
Critical-disease burden modelling and smart triage
Continuous risk monitoring at renewal and across the policy life
Modules & Components
Modules within the family — working together or standalone.
Digital Onboarding
Smooth onboarding with a fully digital application and health declaration.
Health Insurance Underwriting
Automated risk reviews and AI-driven risk pricing.
Risk Modeller for Diseases
Model critical-disease burden by analysing medical records, pharmacy and permitted external data.
JRules for Health Underwriting
An automated rules robot governing medical-underwriting decisions.
JRisk for Renewal
Automated risk and price re-evaluation at renewal.
Video Health Check
Remote, needle-free pre-assessment via video health checks.
Continuous Underwriting
Continuous risk monitoring throughout the policy lifecycle.
A leading Turkish private health insurer
Complementary & Private HealthChallenge
Manual medical underwriting took days per application; incomplete declarations and inconsistent decisions pushed up the loss ratio.
Solution
With JSmart’s digital onboarding and the JRules underwriting robot, low-risk applications were auto-approved while complex cases were triaged to specialists.
Ready to transform your insurance operations?
Meet our team and see JSure applied to your own processes.
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