The complete solution for underwriting

With the introduction of TeleCheck, Pathrec has created a complete end-to-end solution that streamlines insurance underwriting. TeleCheck is an online service that includes:

• collection of medical data from applicants by telephone using qualified Pathrec nurses
• recording of the interview for checking by the applicant or audit by the insurer
• organisation of additional tests if needed
• collation of all the applicant's details in one place
• secure transfer of the applicant's file to the underwriter
• secure website access to the applicant's file for the underwriter
• direct data input to insurers' electronic underwriting system

Using Telecheck, applicants have the choice to be interviewed by telephone in the privacy of their homes or offices, by professional nurses who have years of practical and telephone experience.
As a result:

Insurers:

• have less need for and delays with PMARs (Personal Medical Attendant Reports)
• gain more accurate data in less time with fewer errors or repeat interviews
• gain more accurate risk profiles and more applications processed in less time

Financial Advisors:

• avoid asking embarrassing medical questions of their clients
• avoid errors through call centres struggling with medical terminology
• can focus on clients and writing more policies

Applicants:

• can ask questions and ensure they understand the answers
• are more relaxed and are less likely to hold back or change their minds
• are less likely to need a repeat interview