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Underwriting and Claims

​What if Everyone Had Easy Access to Medical Records?

EHR medical records 1

Within the next few years, life insurance applicants in the US and UK are likely to have online access to their electronic health records (EHRs).

What are the underwriting implications of democratising health records and are underwriters ready? RGA examines the current state of EHRs and looks forward to the legal, health and underwriting aspects of  expanding applicant access.

Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (

Download "What if everyone had easy access to medical records?"

The Authors

  • Yunus Piperdy
    Bsc, FCII
    Vice President and
    Head of Underwriting
    Innovation Strategy 
    RGA UK
    Send email >
  • Sue Wehrman
    Vice President, EHR Initiatives
    Business Initiatives, U.S. Markets
Download "What if everyone had easy access to medical records?"
  • adverse selection
  • antiselection
  • anti-selection
  • EHR
  • Electronic Health Records
  • electronic medical
  • Electronic Medical Records
  • EMR
  • protection gap
  • Quantified Self
  • underinsured
  • Underwriting
  • wearable medical device
  • wearable technology
  • wearables