HomeLife InsuranceSikka Well being Indicators Whitepaper - ExamOne Weblog

Sikka Well being Indicators Whitepaper – ExamOne Weblog

In April 2022, ExamOne and Sikka.ai introduced a collaboration to supply oral healthcare info by HealthPiQture. Sikka just lately printed a whitepaper on using Sikka Well being Indicators™ to establish well being dangers amongst insurance coverage candidates.

Sikka Well being Indicators whitepaper

Establish pre-existing well being situations from dental medical notes

Sikka.ai is the main API Platform within the retail healthcare business that features opt-in dentistry, veterinary, audiology, optometry, chiropractic, orthodontics, oral surgical procedure, and different medical practices. Sikka.ai API Platform seamlessly connects to 96% of the retail healthcare market all through the US and is processing billions of transactions a day. Sikka.ai API Platform offers the platform to assist practices optimize their enterprise, profitability, affected person communication, income cycle administration, affected person satisfaction, and affected person medical historical past evaluation, by enabling over 50 market functions on its platform.

Sikka has over 41,000 opt-in dental practices put in within the US and Canada by its market-leading API integration platform. Sikka leverages this wealthy dataset to find out if life insurance coverage candidates have 1or extra of 10 pre-existing situations or habits with outsized influence on underwriting.  These indicators are based mostly on precise medical notes from the licensed suppliers within the practices or affected person reported situations on well being historical past kinds.  Sikka’s oral healthcare indicators will help decide the suitable threat class or adjustment based mostly on the applicant’s well being threat indicators. This will help make sure that “much less dangerous” life insurance coverage policyholders don’t find yourself subsidizing “dangerous” ones, no matter whether or not or not situations are mischaracterized by chance or deliberately.

10 Sikka Well being Indicators

10 Sikka Health Indicators


Textual content Classification Mannequin

From Sikka’s huge database, sufferers with medical notes that include particular key phrases are recognized for every well being indicator. These medical notes had been preprocessed utilizing numerous NLP preprocessing methods. The Word2vec algorithm was used to generate a distributed illustration of phrases from medical notes as numerical vectors, capturing the semantics and relationships between phrases.

The embedded phrase was fed into the Lengthy Brief Time period Reminiscence (LSTM) mannequin Determine 2, which is a kind of recurrent neural community able to studying order dependence in sequence prediction issues. The LSTM mannequin is efficient in memorizing vital info and, not like conventional classification algorithms, LSTM can use a a number of phrase string to seek out out the category to which it belongs. The LSTM mannequin was skilled on a 400,000 balanced dataset with an accuracy of 99%.

As a part of enhancing the textual content categorization, a guidelines engine was developed to include any incorrect classifications discovered within the retrospective research.

Fig 1. Text Classification Process


Fig 2. LSTM Architecture


Retrospective Research and Hit fee

Sikka’s information has been validated in research performed by 3 main reinsurance corporations, 3 main information suppliers, a number of carriers and MGAs in each the US and Canada, and a number one life settlement firm. These research vary from a choose 2,500 to an expansive 8,000,000 data and have match charges of as much as 54%. The tobacco indicator has recognized important numbers of “smoking non-disclosers” that price carriers as a lot as $23,0001 per conventional time period policyholder in misplaced premiums attributable to misclassification, based mostly on the evaluation of 1 of the info suppliers3. Individually Sikka Indicators at the moment are in manufacturing with a number of carriers and have been useful at figuring out lacking underlying situations that affect underwriting.  Research of Sikka’s Tobacco indicators have been accomplished to establish gross protecting worth of just about 10x the associated fee.2 In 2019, Munich Re carried out a validation of Sikka’s Tobacco Rating utilizing insured data. Analysis confirms that details about dental well being might be informative about general well being. Munich Re recommends every service carry out a retrospective research to finest assess the worth and software of the Sikka Tobacco Rating on its company-specific insured inhabitants.3

Current webinar

Be part of Sikka and ExamOne for an enchanting and well timed webinar dialogue with prime business panelists on tips on how to leverage oral healthcare information successfully for all times underwriting.

Watch Webinar 



1 https://www.verisk.com/siteassets/toprisks/how-audio-analytics-can-detect-undisclosed-tobacco-use-verisk-whitepaper.pdf

2 ExamOne Price Profit Evaluation, June, 2021, Brian Lanzrath

3 https://www.munichre.com/us-life/en/views/alternatives-for-stratifying-mortality-risk/oral-health-mortality-and-smoker-detection.html



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