Reassured has announced the development of its non-disclosure risk identification solution, SAINT.AI, using generative AI designed to help improve medical disclosure accuracy.
Developed in partnership with FOIL AI and supported by Microsoft, the solution will be implemented across Reassured’s operations.
Non-disclosure and inaccuracies in medical information remain one of the leading causes of claim challenges across the protection industry. Reassured says that SAINT has been specifically designed to support the accuracy of the medical disclosure process, a critical stage in the journey that can often be complex to navigate, where even small inaccuracies may have significant implications at the point of claim.
By utilising unstructured data from call transcripts and insurer application records, the model identifies any inconsistencies and flags them for review.
"SAINT.AI is an industry-first solution designed to support one of the most complex parts of the medical disclosure process," Laura McGraw, co-founder and chief customer officer at Reassured, said. "The process can be difficult for customers to navigate, and even small misunderstandings can have serious implications at claim stage, so SAINT.AI gives us an added layer of confidence that every policy is as accurate as it should be.
"For us, this is about continuing to raise the bar. With around 70% of our customers new to protection, and 30% in the groups least likely to have cover, these investments are critical. Making the process clearer, more supportive, and more robust isn't just important, it’s essential."
Mish Naik, head of strategy at FOIL AI, added: "Partnering with Reassured on this innovative solution has been really rewarding. We have been able to extract nuanced, context-dependent intelligence from unstructured human conversations and analyse these against policy applications to identify potential non-disclosure risks.
"This is generative AI delivering on its promise: making complex human expertise accessible at scale while optimising the human oversight capacity to protect customers undertaking what is often a complex process."
Mike Pritchard, programme manager, DQM at Legal & General, commented: "Reassured’s use of data and emerging technologies to support more accurate medical disclosures is a positive development for the industry.
"Tools that help surface potential inconsistencies earlier can support better decision‑making and greater confidence for customers, as long as they are used to complement, not replace, responsible engagement and insurer underwriting standards."
