Medical acceptance e-selection software in SaaS mode: optimize your underwriting processes
The digital transformation of the insurance sector is accelerating, driven by the growing expectations of policyholders and a constantly evolving regulatory framework. In this context, medical acceptance frequently remains a bottleneck in the underwriting process, particularly for life insurance, borrower insurance, and personal insurance contracts.
The digitalization of medical selection through modern e-selection solutions now allows for simultaneous responses to three strategic imperatives:e-selection modern technology today allows us to simultaneously meet three strategic imperatives:
- Significantly improve the customer experience,
- Reduce the drop-off rate during underwriting,
- Control operational costs while meeting the strictest compliance requirements.
Medical e-selection software in SaaS mode currently represents the most advanced solution for insurers, mutuals, and brokers looking to industrialize and secure their medical underwriting processes.Medical e-selection in SaaS mode currently represents the most advanced response for insurers, mutuals, and brokers looking to industrialize and secure their processes. d’underwriting medical.
What is digital medical e-selection?
Themedical e-selectionrefers to the set of digital devices that allow for the collection, analysis, and decision-making regarding the acceptance or pricing of a medical risk without the systematic intervention of a medical advisor or a paper questionnaire.
Technically, a high-performing e-selection solution combines:
- Adynamic health questionnaireand intelligent (branching logic, conditional displays, input assistance),
- Someactuarial scoring algorithmsand configurable business rules,
- Anautomated decisionor real-time assisted decision (straight-through processing – STP),
- A complete traceability of decisions and collected data.
Its positioning in the value chain is central: it intervenes immediately after the input of coverage needs and before the issuance of the contract or the implementation of additional expertise measures.
The stakes of automated medical acceptance for insurers
Traditional medical acceptance processes generate several structural barriers:
- Average processing times ranging from 48 hours to several weeks
- Significant abandonment rates (often 25 to 45% on long borrower journeys)
- Significant costs related to manual management, repeated client solicitations, and medical expertise
- Difficulty in maintaining a consistent quality of underwriting on increasing volumes
A well-designed medical e-selection solution generally allows for observing:e-sélection médicale bien conçue permet généralement d’observer :
- An increase instp rate(Straight Through Processing) from 15 to 50 points depending on the portfolios
- A reduction in thedrop rateaveraging 20 to 35 %
- A reduction by 3 to 5 times in the average processing time for simple files
- A measurable decrease in unit costs for managing medical risk
Why prioritize SaaS software?
The SaaS model has become the standard for medical acceptance digitization projects for several structural reasons.
HDS hosting and health data security
Health data collected during medical selection is classified assensitive personal dataunder the GDPR and falls under the scope ofhealth data hosting(HDS) in France.
A serious SaaS solution must necessarily offer:
- Valid HDS certification (legal requirement for insurance actors since decree n°2018-994)
- Data encryption at rest and in transit (minimum AES-256)
- Fine management of authorizations and access traceability (timestamped logs)
- Measures for pseudonymization/anonymization when possible
- Incident and crisis management plan including CNIL notification within 72 hours
Connectivity via API and real-time integrationel
The smoothness of the customer journey requires strong integration with existing systems: distributor portal, member space, pricing tool, electronic signature, etc.
The best e-selection solutions today offer:
- Onedocumented REST API (OpenAPI/Swagger)Webhooks for asynchronous decision notifications
- Session and user context management (OAuth2, JWT)
- Distinct qualification / pre-production environments
- Execution latency generally under 800 ms for complete scoring
- This interoperability allows for 100% digital end-to-end journeys, even for complex contracts.
Regulatory compliance: Lemoine Law and GDPR
Enacted in February 2022 and fully applicable since June 2022, the
Lemoine Law has profoundly changed the rules applicable to borrower insurance: Extended right to be forgotten (cancer, hepatitis C, etc.)
- Health questionnaire removed for loans < €200,000 / person and loan end before age 60
- Medical inquiry ceiling raised to 17 years before loan maturity
- These developments make the implementation of an
smart questionnaire even more strategic, capable of:Automatically hiding irrelevant questions based on the insured's profile and the amount borrowed
- Applying updated Aeras reference grids
- Keeping a timestamped and unalterable record of responses and applied rules
- At the same time, the
GDPR RGPD imposes strict governance: data minimization, explicit consent, right to erasure, impact assessment (IA) when algorithms are involved in decision-making.
Key features for effective risk selection
A modern SaaS medical e-selection solution must include:
- 100% dynamic health questionnaire with advanced conditional logic
- Business rules engine configurable by underwriting teams (without development)
- Automated medical scoring combining expert rules and, where applicable, supervised predictive models
- Real-time decision: accept / accept with surcharge / accept with exclusion / medical expertise / refuse
- Management of complementary measures: tele-services MRI/CT scan, biological tests, declaration from the attending physician
- Analytical dashboard: STP rate by product/channel, rule performance, pricing deviations, etc.
- Automatic generation of letters and amendments (ALU, exclusion, request for clarification)
- Regulatory reporting module (AERAS, Lemoine statistics)
Conclusion: E-selection, a lever for digital transformation
In a market where speed, simplicity, and transparency have become decisive factors for insured individuals, the SaaS medical e-selection is no longer an option but a competitive prerequisite.
It enables insurers and mutuals to:
- Streamline the customer experience and significantly reduce the abandonment rate
- Industrialize underwriting while maintaining fine risk control
- Respond agilely to regulatory changes (Lemoine, GDPR, future European texts)
- Sustainably reduce operational costs and free up medical teams for high-value cases
Are you considering modernizing your medical acceptance process?
Request a personalized demonstration Schedule an appointment with a medical e-selection expert