Electronic Medical Data through the MIB EHR Service

The MIB EHR Service helps to accelerate the underwriting process by automating medical data retrieval.

All the data you need from one consolidated source

Traditional methods for obtaining a full medical history for an applicant are expensive and it can take weeks to obtain physician reports. The MIB EHR service automates the process of obtaining records, optimizing the use of available data and enabling a faster turnaround on risk assessment.

This service is a single point of access to records from multiple data sources, and can systematically reflex to a traditional APS retrieval process, across a choice of APS vendors. With one consolidated interface, you can eliminate the cost and hassle of working directly with multiple partners and APS vendors.

Broad access – Rapid delivery

With industry-leading release rates, the MIB EHR delivers the medical information your underwriters need in a fast and cost-effective fashion. And with the majority of our records released within less than a day, our system turns around records 90% faster than the average traditional APS – and at an average cost savings of 50%.

Tailored to the needs of underwriting

MIB is taking electronic health data and making it more useful to the life insurance industry by presenting data in a consistent format specifically designed for use in life insurance underwriting.

Two flexible options are available to meet the varied needs of our clients:

1. RiskRighter EHR summaries: When you use our premium service offered through RiskRighter, underwriters will receive a summarization of EHR data in a consolidated and streamlined format, so they know exactly where to find the most critical information they need each and every time they pull a report.
2. Medical Data Consolidation: This service cleanses and consolidates data from various sources, de-duplicating information and converting it to one standardized data format. It optimizes data for ingestion into engines, supporting straight-through-processing. Choose from a variety of output formats including PDF, HTML, XML or JSON.

Multiple Options

MIB EHR provides time-saving interfaces, offered at no additional charge beyond the cost of the report including:

• Seamlessly reflex to an APS when an electronic record is not available – with a choice of multiple APS vendors.
• Use the MIB EHR platform to automatically pivot to RiskRighter summaries, based on your workflows and a client page count criteria that you determine.
• Systematically have your data sent for normalization and de-duplication through our Medical Data Consolidation service.

And, you have the flexibility to establish a 2, 3, or 4-day waiting period before records returned on a query are sent for summarization or consolidation.

With each of these services automatically requested and returned within the MIB EHR platform, you can eliminate delays caused by the need for manual intervention - saving time and resources.

Sole Focus on Insurance

As a trusted industry partner for more than a century, only MIB brings industry expertise focused solely on improving underwriting. With our industry knowledge and connections and our access and capabilities, MIB is the clear partner of choice to be the life insurance industry’s single source of access to medical data for underwriting.