Health intelligence for every stakeholder
One platform, three powerful perspectives. Contactless biometric screening that delivers actionable insights to employers, health insurers, and funeral insurers.
Your workforce health, quantified
The problem: Unscreened workforces suffer 3x higher absenteeism costs. Occupational health audits require screening records that most employers in emerging markets struggle to produce. Traditional clinic-based screenings are expensive, disruptive, and have low participation rates.
The solution: Screen every employee in 60 seconds using just a smartphone camera. No clinic visit. No blood draws. No downtime. Get real-time workforce wellness analytics that drive measurable outcomes.
Reduce absenteeism
Identify hypertension, diabetes risk, and stress early. Early detection reduces unplanned absences and presenteeism costs. Track intervention rates on a live dashboard.
Occupational health compliance
Export screening records for regulatory compliance. Track scan rates by department, site, or region. Generate audit-ready reports with triage breakdowns.
Measurable ROI
Model the financial impact of your wellness programme. See cost-per-scan, intervention rates, and projected savings. Compare department performance over time.
Workforce analytics
Department-level breakdowns, trend analysis, and early warning alerts. Identify the departments and roles with the highest health risk concentration.
2,847
Workforce
87%
Scan Compliance
74
Wellness Score
12
RED Alerts
Triage Distribution
Department Risk Breakdown
Monthly scan volume (last 12 months)
12,480
Lives Covered
64%
Portfolio Loss Ratio
Risk Distribution by Band
62%
STANDARD
28%
ENHANCED
10%
HIGH-RISK
Flagged Lives Requiring Review
186
Hypertension
+12 this month
94
Diabetes Risk
+5 this month
38
Cardiac Risk
-3 this month
Claims Trajectory (projected vs actual)
Underwriting intelligence from real biometric data
The problem: Self-reported health questionnaires are unreliable. Insurers price risk from incomplete data, leading to adverse selection, higher-than-expected claims, and poor loss ratios. Traditional medical exams are expensive and scale poorly.
The solution: Replace questionnaires with real biometric data captured at the point of enrollment. Monitor portfolio health continuously. Predict claims before they materialise using longitudinal trend data.
Portfolio risk intelligence
Real-time portfolio view with risk distribution by band (Standard, Enhanced, High-Risk). Monitor loss ratio trends, claims trajectory, and cohort-level health shifts.
Biometric underwriting triggers
Automated flags when a member's biometric profile suggests elevated risk. Blood pressure staging, HbA1c levels, and cardiac risk scores are computed against ACC/AHA and ADA thresholds.
Claims prediction
Longitudinal trend analysis identifies members whose health is deteriorating before claims materialise. Intervene early with wellness coaching and clinical referrals.
Reinsurance data
Population-level biometric data — anonymised with k-anonymity — provides reinsurers with the risk intelligence they need to price treaties accurately.
Anti-selection detection, before the policy is issued
The problem: Funeral insurance in Africa faces severe anti-selection. Individuals with known (but undisclosed) health conditions enroll for maximum benefits. Waiting periods are a blunt instrument that penalise healthy members and fail to catch genuinely high-risk applicants.
The solution: Screen every applicant at the point of enrollment with a 60-second contactless scan. Score mortality risk based on actual biometric data. Optimise waiting periods based on individual risk profiles rather than blanket rules.
Anti-selection detection
Identify applicants who present with elevated blood pressure, cardiac risk, or diabetes indicators at enrollment. Flag anti-selection patterns that waiting periods alone cannot catch.
Mortality risk scoring
Composite mortality risk band computed from cardiovascular risk, diabetes indicators, HRV parameters, and blood pressure staging. Score each applicant as Low, Medium, High, or Critical.
Waiting period optimisation
Use individual biometric risk profiles to assign appropriate waiting periods. Low-risk applicants get faster access to benefits. High-risk applicants receive appropriate risk-adjusted terms.
Dependent management
Screen dependents at enrollment alongside the primary member. Track family-level risk profiles and detect patterns that suggest coordinated anti-selection across a policy.
8,240
Active Policies
142
Flagged Enrollments
4.2%
Anti-Selection Rate
Mortality Risk Bands
Claim Rates by Triage Category
Anti-Selection Score Distribution
Ready to see VitalCheck in action?
Whether you're screening a workforce of fifty or underwriting a portfolio of fifty thousand, we'll show you exactly how VitalCheck works for your use case.