Video MER (Medical Examination Report)

The history of medical examinations can be traced back to the early days of insurance, where physical examinations were the primary method of assessing a patient's health. However, with advancements in technology and the rise of InsurTech, Video MER (Medical Examination Report) has emerged as an alternative method that leverages video conferencing tools for remote medical examinations. This approach offers several advantages over traditional Physical MER, including increased accessibility, efficiency, and cost savings. Video MER ensures accurate assessment of proposers' health conditions, leading to more informed decisions about coverage and premiums. The technology has the potential to revolutionize the insurance industry and improve the overall experience for policyholders. Key features of Video MER include AI-enhanced MER checks, Pre-Issuance Verification Call (PIVC), and advanced analytics.