Underwriting

How it Works

How Thryve’s Swift Risk Intel Works

Connect & Unify Health Data

Users sync their wearables and apps, like Apple Health, Garmin, Polar, Fitbit, more instantly.

Create Instant, Holistic Risk Profiles

We assess risks scores across different biomarkers and allow you to segment and personalize your member’s offer.

Refresh Risk Post-Acquisition

Risk scores update dynamically based on lifestyle, behavior, and biometrics, enabling insurers to recalibrate policies as needed over time.

Analyze Risk Portfolio in Real-Time

Use health risk assessment to understand risk trends at the individual, sub-population, and portfolio levels.

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Benefits of Thryve’s Swift Risk Intel

Swift Risk is built upon proven accuracy gains that outperform current methods.

Explore why Thryve is the preferred choice for wearable API integration, providing unmatched value to your digital health solutions through extensive compatibility, ease of use, robust compliance, and scalability:

Underwrite Efficiently

Speed up medical underwriting and lower barriers with instant health risk assessments.

Thryve’s Wearable API integration in React Native, Flutter, Swift, and Kotlin.

Prevent Effectively

Identify risks earlier and drive behavior changes through timely nudges and targeted risk profiling.

Reduce Costs & Claims

Cut claim frequency and severity by proactively managing chronic and emerging conditions. Our solution supports smarter preventative health care and helps in reducing healthcare costs.

Enhance Loyalty

Deliver fair, transparent pricing and more inclusive offers. Build trust and loyalty through a data-driven approach to healthcare cost transparency.

Working with Thryve

Turn underwriting from a cost-centre to a growth driver

Leverage the developer-centric benefits designed to streamline your workflow and enhance productivity.

Reimagine Risk Management

Thryve’s Swift Risk transforms insurance underwriting from a slow, static gatekeeper into a dynamic, insight-driven risk management in health care.

From Insight to Action

This is not just about prediction. It’s about action, insight, and reducing healthcare costs through real-time health risk assessment.

Thryve helps you co-create a solution fitted to your use case.

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FAQ

Frequently Asked Questions:
Thryve’s Swift Risk Intel

How long does underwriting take with Thryve’s Swift Risk Intel?
- Unlike traditional processes that can take days to finalize, Swift Risk Intel uses real-time wearable data and AI-powered health risk scores to instantly generate individualized risk profiles in just 2 minutes.
How can my organization benefit from Swift Risk Intel?
- Swift Risk Intel enables insurance companies, hospitals, and digital health organizations to leverage continuous data for smarter decision-making. Key benefits include:
  - Faster onboarding with 2-minute, real-time health risk assessment
  - Reduced claims costs through early risk detection and proactive intervention
  - Improved resource allocation based on dynamic risk stratification
  - Ongoing risk monitoring for adaptive pricing and personalized engagement
  - Enhanced population health management across clinical and insurance workflows
  - All with minimal integration overhead and maximum data transparency.
What role do risk scores play in value-based insurance and care models?
- Swift Risk Intel helps enable value-based insurance and care models by providing detailed, personalized risk data. These health risk scores allow insurers, providers, and regulators to take early, informed action and compare outcomes across different population segments. This supports proactive care decisions, more accurate pricing models, and better alignment of health outcomes with cost control.
Can risk scores from Swift Risk Intel be used to monitor portfolio health over time?
- Yes. Swift Risk Intel tracks changes in individual and population-level health over time, helping insurers and digital health providers understand how risk evolves. This means you can:
  - Detect shifts in member or patient health trends early
  - Reassess pricing and product strategies with up-to-date data
  - Identify segments that may require proactive outreach
  - Monitor the impact of interventions on long-term risk
  - It enables smarter, ongoing management of your portfolio — not just point-in-time decisions.