Video has traditionally played a simple role in insurance: enabling applicants and interviewers to see and communicate with each other.
But with advancements in Artificial Intelligence and computer vision, video is evolving into something more powerful.
Video AI is transforming video interviews into an additional source of health-related insights for medical underwriting.
Beyond the Conversation: What Can Video AI Capture?
During a medical underwriting interview, AI-powered video analysis can capture health-related signals such as:
- Heart rate
- SpO₂ (oxygen saturation)
- Respiratory rate
- BMI
- Heart rate variability (HRV)
- Stress index
- Blood pressure
These signals can be presented alongside the applicant's interview responses, creating additional information for human experts to consider during the underwriting review.
How Video AI Adds Value to Medical Underwriting
Traditional video interviews primarily focus on communication and information gathering.
With Video AI, the same interaction can provide another layer of insights. Health-related signals can complement the information collected during the interview and help underwriters consider additional data points during their evaluation.
This creates an opportunity to make video interviews more informative without changing the importance of human expertise in underwriting decisions.
From Visual Communication to Health Signal Analysis
The role of video in insurance is evolving.
Traditional Video: Enables visual interaction between the applicant and interviewer.
Video AI: Enables visual interaction while also capturing and analyzing health-related signals.
This shift introduces new possibilities for digital medical underwriting, where multiple sources of information can support a more comprehensive review.
The Future of Video AI in Insurance
As AI and computer vision continue to advance, video could become an increasingly valuable component of digital insurance underwriting.
The opportunity is not simply to conduct interviews through video, but to make those interactions more informative through AI-powered analysis.
At Wizergos, we believe the combination of AI-driven information collection, video-based insights, and human expertise can help shape the next generation of medical underwriting.
The future of video in insurance goes beyond seeing. It's about uncovering additional insights.