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August 28.2025
2 Minutes Read

Maximizing EHR Advantages: A Guide to AI-Enhanced Underwriting

EHR advantages in underwriting, professional using laptop strategically, enhancing insurance processes.

Revolutionizing Underwriting with EHR and AI

The landscape of underwriting is undergoing a seismic shift, thanks to the rapid adoption of Electronic Health Records (EHR) and artificial intelligence (AI) solutions. Over the past decade, EHR use in physician offices has surged to 78%, while non-federal acute care hospitals have jumped to 96% adoption. This trend is not just a statistic; it represents a wealth of data that can enhance underwriting processes, facilitating quicker, more informed decision-making.

Unlocking Actionable Insights with DigitalOwl

With AI-driven tools like DigitalOwl, companies like ExamOne are revolutionizing how insurers retrieve and summarize EHR data. Traditional methods of obtaining Attending Physician Statements (APS) have been time-consuming and complex. In contrast, DigitalOwl’s platform condenses hours of medical record review into mere minutes, enabling underwriters to focus on making data-driven decisions.

The Importance of EHR in Risk Assessment

Utilizing EHRs not only streamlines workflow but also improves risk assessment capabilities. By integrating AI, underwriters can swiftly analyze potentially relevant applicant data, allowing a more nuanced approach to risk evaluation. This is particularly vital for legacy-minded leaders and family-first entrepreneurs whose investment decisions can significantly influence their business’ growth and sustainability.

Efficiency vs. Traditional Approaches: A Comparative Analysis

Examining the differences between traditional APS workflows and EHR-enhanced methods reveals key efficiencies. Traditional workflows are often laden with delays and errors, but EHRs, coupled with AI algorithms, offer a streamlined process that minimizes human error and accelerates decision speed. This shift not only benefits insurers but also helps applicants receive timely outcomes — an essential factor for those balancing work-life demands.

Future Trends in Underwriting: The Role of AI

As technology continues to advance, the role of AI in underwriting will only grow. Future trends indicate a move towards even more automated systems that analyze data from diverse sources, providing underwriters with a comprehensive view of applicant risk factors. This supports a legacy of informed business practices that ensure sustained family wealth for future generations.

Taking Action: Embrace the Change

For family-first entrepreneurs and legacy-minded executives, adopting AI-enhanced technologies in their underwriting processes is not just an option; it’s a necessity. The efficiencies gained from utilizing EHRs and AI technology can result in significant returns and a healthier balance in personal and professional lives. As the insurance landscape continues to evolve, those who harness these innovations will be better positioned for success.

To learn more about integrating these transformative technologies into your business, consider watching our on-demand webinar on streamlined EHR retrievals with AI-enhanced summaries.

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