Logo
Calculate risk through personal data.
A New Standard for Insurance Underwriting
Qumata unlocks the value of digital data for Life & Health insurers to provide an accurate picture of current and future mortality and morbidity and health risks for anyone with a smartphone. Instantaneously and without lengthy questionnaires or medical examinations.

Our API-based solution, once implemented into an insurer’s backend, allows for a new way of underwriting, making it faster, cheaper and just as accurate. All with a minimum data requirement of steps, although if accessible, we are able to integrate up to 1000 other unique variables like medical records, GPS, wearable data among others to the process.
Overview video
Solution Benefits
Background image
View Our Solutions
Easier Agent
Sales Process
Smoother
Cross-Selling
Streamline
Online
Purchasing
Enabling
Optimal
Partnerships
Dynamic
Underwriting
Streamline Online
Purchasing
Smoother
Cross-Selling
Easier Agent
Sales Process
Enabling Optimal
Partnerships
Dynamic
Underwriting
Underwriting in 3 Steps
STEP 01
Collecting
Digital Data
Qumata collects digital data, at a minimum steps but with a possibility of up to 1000 other unique variables from applicant’s smartphones, health tracking apps, wearable devices and other input sources. Securely and with full consent.
Qumata collects digital data, at a minimum steps but with a possibility of up to 1000 other unique variables.
View Our Solutions
STEP 02
Calculating an
Accurate Risk Profile
Our unique, proprietary algorithm takes this digital data and accurately calculates the extra-mortality, extra-morbidity and other parameters for any individual and for 800 medical conditions. With Qumata, there’s no need for lengthy questionnaires, medical examinations or requests for GP reports.
View Our Solutions
STEP 03
Translating the Risk Profile for your Objectives
The risk profile can be translated into the relevant extra-Mortality or Extra Morbidity values to fit the insurer's existing pricing tables. We can make adjustments according to different product lines and unique requirements.
View Our Solutions
Underwriting in 3 Steps
STEP 01
Collecting
Digital Data
Qumata collects digital data, at a minimum steps but with a possibility of up to 1000 other unique variables from applicant’s smartphones, health tracking apps, wearable devices and other input sources. Securely and with full consent. Qumata collects digital data, at a minimum steps but with a possibility of up to 1000 other unique variables.
STEP 02
Calculating an
Accurate Risk Profile
Our unique, proprietary algorithm takes this digital data and accurately calculates the extra-mortality, extra-morbidity and other parameters for any individual and for 800 medical conditions. With Qumata, there’s no need for lengthy questionnaires, medical examinations or requests for GP reports.
STEP 03
Translating the Risk Profile for your Objectives
The risk profile can be translated into the relevant extra-Mortality or Extra Morbidity values to fit the insurer's existing pricing tables. We can make adjustments according to different product lines and unique requirements.
View Our Solutions
Validated by Leading Insurers & Reinsurers
Contact