ExamOne® just lately sought to supply a greater reflex rule for hepatitis B screening in life insurance coverage utilizing predictive modeling. In a brand new research, Optimum Life Re evaluates the efficiency of the ExamOne mannequin compared with standard reflex guidelines which are solely based mostly on the outcomes of liver operate exams.
Optimum Life Re’s evaluation of the ExamOne mannequin means that prediction modeling might 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 traditional 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. Primarily based on Optimum Life Re’s findings, changing the traditional 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 excited about studying extra about enhancing your hepatitis B reflex standards with predictive modeling.