The scoring methodology can be accessed and set up in one of three ways. (Whichever approach is used, the result is an automated underwriting and pricing process):

• The Healix Screening Library is conceived as a ‘plug-in’. Compared to the Original Black Box, the Screening Library has improved features which ultimately will make the process of integration easier.
• The Original Healix Black Box is conceived as a tool kit and requires an increased level of IT resource to build the integration compared to the Healix Screening Library.
• Safiri™ Policy Sales System which encompasses a full policy sales system or stand alone medical risk rating system for use in call centres or public facing websites. For details on the Safiri™ Policy Sales System which incorporates Medical Screening, contact Healix IT on:    it@healix.com

All of these options utilise the same medical data and risk algorithms in calculation of the Medical Risk Score.

If this is all sounding a bit complicated, please contact our risk assessment department on riskrating@healix.com or call +44(0)20 8481 7765 to arrange a simple demonstration.

1. The Screening Library (BB2)
The Screening Library consists of a set of web screens that are pre-built by Healix and is accessed once the client’s policy sales system notifies the Screening Library. The Screening Library then calls version 2 of our Black Box to search for the necessary conditions, questions and scores that result. Subsequently all the calculations, algorithms and presentation of question sets are maintained by Healix with the onus for correctly returned data being with us.

The Screening library can be viewed via a demonstration site and is available on request.
Using different logins, it is possible to see how the look and feel of the customer-facing pages can be varied to suit client preferences.

2. Original Black Box (BB1)
The Healix Black Box was conceived as a ‘tool kit’ intended to be integrated into a client’s own policy sales system. By this, we mean that the integrators will be responsible for building the system into their own policy sales system, returning the correct questions and answers and ensuring the correct scores are returned as a result. Therefore integrators will need to have a full understanding of the calculations within the Black Box.
 
3. Safiri™
SafiriTM is a comprehensive web-based solution for travel insurance policy sales with or without built-in medical risk rating, or stand-alone screening.  It is a highly flexible programme allowing the administration of any number of schemes, all of which can be set up differently.  The non-technical Administrator can set up and amend schemes without reference to skilled IT help.

Find out more about our other technology services including our Travelwise Website and our bespoke website development services.