Electronic Medical Data through the MIB EHR Service

The MIB EHR Service helps to accelerate the underwriting process by automating medical data retrieval through a single consolidated access point.

All the data you need from one consolidated source

Maintaining multiple connection points with EHRs, HIEs, and APS vendors to gain access to medical data is expensive and inefficient. By centralizing access to medical information from various sources through a single solution, you can streamline workflows, simplify processes, and ensure your team gets the data they need more quickly and cost-effectively.

The MIB EHR service provides 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 – making it easier for your team to access the data they need.

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% per record.

Flexible Access

To further streamline the retrieval of medical records, MIB EHR offers two applicant authorization pathways.

• Start with a standard HIPAA consent process, allowing for quick access to electronic health records.
• If records are not found, the workflow can systematically reflex to an optional Individual Access Service to broaden the search. With Individual Access, applicants request their health records directly via a digital tool and authorize them to be sent to the insurer - with no portal logins required.
• If records are still not located, the system can seamlessly pivot to request an Attending Physician Statement (APS), ensuring all avenues for data retrieval are covered without manual intervention.

Additionally, records can be accessed via our secure website interface or through a system-to-system integration. In either case, both a raw data file and a human-readable PDF are returned for your convenience.

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 designed specifically 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.
• Automatically pivot to RiskRighter summaries, based on page count criteria that you determine.
• Systematically route your data 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.

Because all of these services are systematically requested and delivered within the MIB EHR platform, you can eliminate delays caused by the need for manual intervention - saving time and resources.

Partnership with Munich Re

Through our strategic partnership with Munich Re, we are working to accelerate the adoption of electronic medical data across life insurance underwriting. This includes improving data access and developing advanced data analytics capabilities to enable automated risk assessment. Additional capabilities enabled by this partnership will be announced as development progresses.

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.