ExamOne® not too long ago sought to provide a greater reflex rule for hepatitis B screening in life insurance coverage utilizing predictive modeling. In a brand new examine, Optimum Life Re evaluates the efficiency of the ExamOne mannequin compared with typical reflex guidelines which can be solely based mostly on the outcomes of liver perform exams.
Optimum Life Re’s evaluation of the ExamOne mannequin means that prediction modeling could improve hepatitis B detection by an element of two.5 at comparable ranges of testing. Along with elevated detection, implementing this mannequin in an automatic setting ought to considerably scale back the turnaround time related to hepatitis B reflex testing.
An excerpt from the white paper:
If an organization is prepared to check 15% of all its candidates, the standard reflex rule which corresponds to this (AST_41_ALT_35) would result in the identification of about 20% of hepatitis B circumstances (120 circumstances out of 597 in dataset), whereas if the ExamOne mannequin was utilized, the corporate would have recognized about 55% of hepatitis B circumstances (329 circumstances out of 597).
This paper addresses the prevalence and the challenges of underwriting hepatitis B. It evaluates the ineffectiveness of the present “shot-in-the-dark” reflex method. Based mostly on Optimum Life Re’s findings, changing the standard method with ExamOne’s predictive mannequin will assist insurers determine extra hepatitis B candidates.
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Contact your ExamOne gross sales consultant in case you are fascinated with studying extra about bettering your hepatitis B reflex standards with predictive modeling.