A UK insurer deployed doXray in a secure UK cloud environment to compare insurance applications against medical reports automatically. Instead of reading both files side by side, underwriters now see only the discrepancies in conditions and dates. The first check per underwriting case has dropped from 30 minutes to around 10, and patient data is hosted and processed entirely within the UK.
Every underwriting case starts with the same question: does the insurance application match the medical report? Has the applicant declared the right condition, and are the dates correct?
At this insurer, answering that question meant an expert opening both files and comparing them line by line. This first check had to happen on every case before any real risk assessment could begin, and it consumed a large share of the underwriters’ time.
Underwriters are specialists. Their value lies in assessing risk, interpreting medical history and making decisions on complex cases. Yet a large part of every case went into a task that required no expertise at all: checking whether the condition and dates in the application matched those in the medical report.
Around 30 minutes per case went into this first check alone. Because the documents contain patient medical data, any automation also had to meet the highest security standards. Sending files to a general-purpose AI service, with no control over where the data is processed, was not an option. The data had to stay in the UK, in a dedicated and secured environment.
The goal was to remove the manual first check, so underwriters only spend time where their expertise is needed.
doXray runs for this insurer in a secure cloud environment hosted in the UK. Documents are processed there and patient data never leaves the country. For every underwriting case, the flow is:
Extract: doXray reads both the insurance application and the medical report and extracts the relevant data, including the declared conditions and dates.
Compare: the two documents are cross-checked automatically.
Flag: any discrepancy, such as a missing or different condition or a mismatched date, is highlighted for the underwriter.
Review: the underwriter checks only the flagged discrepancies, then moves on to the risk assessment.
For an insurer handling sensitive health data, where and how documents are processed is not a technical detail. Keeping it in a secure UK environment is what makes automation possible at all.
With doXray handling the first check, underwriters spend their time on the work they are trained for:
3x faster first check: from 30 minutes to around 10 minutes per underwriting case.
Experts focus on their speciality: underwriters review only the discrepancies, not entire files.
Patient data stays secure: documents are hosted and processed in a secure UK cloud and never leave the UK.
| Evaluation criteria | Before doXray | After doXray |
|---|---|---|
| Time per first check | 30 minutes | ~10 minutes |
| Review method | Full side-by-side reading of both files | Only flagged discrepancies |
| Underwriter focus | Document comparison | Risk assessment |
| Data location | UK cloud | Secure UK cloud |
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