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PHS with Load
PHS with Load

Reference for building the Care Pathway:

Society of Actuaries - EUA

PHS with Load incorporates flexibility elements that are recognized in advanced risk assessment structures used by reinsurers such as IRB (Re) and supported by SOA analyses.

This model allows that, for specific risk profiles, the proposal is adjusted—resulting in a load—when the data indicates a borderline situation.

Thus, beyond approval or rejection, it is possible to apply a price or condition adjustment, reflecting a more dynamic and adaptive approach that aligns with the best international underwriting and pricing practices.

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Care Pathway for PHS with Load

Based on flexible approaches recommended by reinsurers such as Swiss Re and supported by analyses from the Society of Actuaries, Caren's PHS with Load integrates an intelligent system that continuously monitors candidate data. The platform collects information from questionnaires, laboratory tests, medical records, and habit data, allowing for a personalized analysis. For intermediate or borderline risk cases, the model enables the application of a load—adjusting price or conditions—to more accurately reflect the insured's profile.
📋 Steps:
1
Online PHS
2
Pending Issues Assessment
3
Decision Making
Points
✅ Main objectives:
  • ✔ Offer a personalized assessment that considers variations in the risk profile.
  • ✔ Allow adjustments in the proposal through loadings, ensuring greater flexibility.
  • ✔ Provide a dynamic analysis that adapts to the insured's individual characteristics.
  • ✔ Balance assessment rigor with the possibility of pricing adjustments.
📌 Expected benefits:
  • ✔ A tailored solution that accurately reflects the insured's profile.
  • ✔ Greater effectiveness in intermediate risk assessment.
  • ✔ Transparency in defining adjusted conditions (loadings).
  • ✔ Adoption of a flexible approach aligned with best international practices.
⚡Test now:
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