Help clients share medical records instantly with Human API
Unique to our partnership with AIMCOR, we now have the ability to obtain abbreviated health records in minutes! The Human API platform allows insurance applicants to connect and share medical data electronically from over 90 percent of US healthcare providers (health systems, hospitals, clinics and physician offices). With instant access to medical information such as lab results, medications, vital measurements and conditions, MVP Financial can optimize the life insurance distribution process and deliver an experience that meets modern consumer expectations.
Access to electronic records eliminates obtaining the Attending Physician Statement (APS) conventionally, which can take days or even months. Underwriters get clients’ medical information almost immediately once they use the link and select their healthcare provider. Note that some healthcare providers don’t have fully digitized records, so a traditional APS may still need to be requested.
Applicants must have electronic access to their medical information to participate. Some restrictions apply where it may not be possible to use Human API. Records received are abbreviated and may not have enough information for an underwriting decision.
Carriers approved for Human API: Banner Life, John Hancock, Lincoln Financial, Securian Life, Principal Financial, Prudential Financial