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PHS Light
Reference for building the Care Pathway:
Society of Actuaries - EUA
Based on simplified guidelines published by institutions such as IRB(Re) and SOA, the DPS Light is structured to provide a streamlined and low-cost assessment process.
Supported by underwriting manuals that emphasize efficiency and objectivity, this model uses a reduced set of questions to identify essential risks while maintaining minimal coverage.
The focus is to ensure access to a basic and affordable product, aligning with international standards of simplicity and transparency in risk assessment.
Care Pathway for PHS Light
Based on simplified guidelines recommended by international institutions such as the Society of Actuaries, Caren's DPS Light was developed to offer a streamlined and low-cost assessment process. The solution uses a reduced set of questions and integrates information from laboratory tests, visit records, and habit data. An intelligent system continuously monitors this data, identifying early signs of any changes requiring attention, even within basic coverage.
📋 Steps:
1
Online PHS
2
Pending Issues Assessment
3
Decision Making
✅ Main objectives:
- ✔ Provide an initial simplified and accessible assessment.
- ✔ Ensure early identification of signs that may indicate the need for intervention.
- ✔ Facilitate the adherence of a public looking for practical and low-cost solutions.
- ✔ Provide basic and continuous care with a simplified process.
📌 Expected benefits:
- ✔ Efficient monitoring with preventive interventions when necessary.
- ✔ Agile process and easy understanding for policyholders.
- ✔ Quick access to essential information for decision-making.
- ✔ Reduced cost without compromising the detection of relevant risks.