Strong Uptick in Adoption of Electronic Health Records
Munich Re Life US Accelerated Underwriting Survey Confirms Commitment
to Electronic Health Records (EHRs)
2.5 minutes read
Published 2023/06/26
![Doctor and patient looking over test results. Doctor and patient looking over test results.](/content/dam/munichre/marc/images/iStock-1080103192.jpg/_jcr_content/renditions/cropped.3_to_1.jpg./cropped.3_to_1.jpg)
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Highlights
- EHRs showed the steepest adoption (+38%) among all digital health data categories compared to the 2020 survey.
- Over 90% of carriers surveyed were currently using or evaluating EHRs.
- While EHRs were used primarily with human intervention at the time of the survey, most carriers planned to eventually use EHRs in their AUW rules engines, ideally without underwriter involvement.
EHR Adoption Rates Rise 38%
The EHR usage trends below were captured in our 2022 and prior AUW surveys. The specific question asked was: “What tools and information sources are used or being evaluated for use, to triage or to classify risks in the accelerated pipeline?” The results shown in the graphic to the right reflect the responses related to “electronic health record” usage.
Usage and Evaluation of EHRs in Accelerated Underwriting
While EHRs have experienced a significant increase in usage over the past several years, they were still being used on an occasional or non-routine basis more than any other AUW tool. Munich Re expects routine usage to grow as EHR data delivery and hit rates continue to improve.
Continual Improvement
Munich Re Life US, through its strategic acquisition of digital health records leader Clareto, is leading the way in developing EHRs and other digital solutions to deliver reliable medical data in the absence of labs and exams and to optimize straight through processing rates.
Visit our EHR Information Hub or contact Dave Goehrke, 2nd Vice President of Underwriting (contact card below), to learn the latest about the evolution of EHRs in accelerated underwriting programs.
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Key Contacts
![Lisa Seeman Lisa Seeman](/content/dam/munichre/global/images/staff-and-events-(data-protection-relevant)/Lisa%20Seeman.jpg/_jcr_content/renditions/original./Lisa%20Seeman.jpg)
Lisa Seeman
2nd Vice President & Actuary, Underwriting Risk Assessment & Research
![Dave Goehrke Dave Goehrke](/content/dam/munichre/mram/images/employees/Dave-Goehrke.jpg/_jcr_content/renditions/cropped.square.jpg./cropped.square.jpg)
Dave Goehrke
Head of Underwriting Risk Management & Pricing Support