• What makes Protectif risk rating different?

Our approach delivers a fairer, more accurate assessment of health risk by focusing on each customer’s specific conditions — and how well they’re managed.
This enables more personalized underwriting, encourages proactive health management, and reduces the likelihood of high-cost claims. The result? A clearer picture of risk that benefits both insurers and travellers alike.

• What is Protectif’s approach to evaluating a customer’s medical conditions?

The tool assesses a wide range of conditions, including but not limited to heart disease, diabetes, cancer, respiratory issues, and mental health conditions. We assess both the severity and stability of declared conditions using our proprietary question sets, ensuring consistent and accurate risk evaluation.

• What impact will Protectif have on my insurance product?

Whilst we have a strong track record supporting our clients loss ratios, results will vary by insurer implementation and risk profile. We’re more than happy to discuss your unique needs and how Protectif can benefit your business. Get in touch with us to book in a demonstration!

• How long does the Protectif risk rating process take?

Our risk-based approach and intelligent tree-and-branch questioning structure ensures that stable, low risk customers complete their risk ratings very quickly. For more complex medical scenarios the process takes longer but provides greater confidence through thoroughness. The platform is optimised with a user-friendly interface, and meticulously worded language to minimise confusion. Additionally, ‘Bespoke’ screenings with our specialist team are available as an optional service.