Give Your Underwriters the Risk Data They've Never Had

WellNewMe provides UK health insurers and underwriters with continuous, longitudinal workforce health data — moving risk assessment beyond annual screenings to the real-time signals that predict claims before they happen.

Why Insurers Partner with WellNewMe

Continuous Risk Signals

Move beyond point-in-time screening data. WellNewMe provides longitudinal health risk scores across 11 assessment dimensions — updated continuously as employee data changes. Your underwriters see the risk trajectory, not just the snapshot.

Predictive Claims Intelligence

AI-driven risk models identify population-level health deterioration patterns 6–12 months before they manifest as claims. Identify high-risk cohorts early, advise employer clients proactively, and price with greater precision at renewal.

Aggregated, Anonymised Data Feeds

Receive GDPR-compliant, fully anonymised group risk data feeds via secure API. No individual-level data is shared. Outputs include departmental risk heatmaps, claims trajectory models, and condition-specific prevalence indices by workforce segment.

Renewal Negotiation Support

Provide employer clients — and their brokers — with structured risk improvement reports ahead of renewal. Clients who demonstrate measurable risk reduction have a data-backed case for premium negotiation. You retain clients. They retain cover.

Why This Matters Now

UK group PMI premiums increased by an average of over 20% at renewal in 2025, with some employer schemes seeing rises exceeding 70% (Willis Towers Watson; Corporate Adviser, 2025). Workplace PMI claims rose 26% year-on-year to 1.3 million in 2023, with the ABI reporting a record £4 billion in total PMI claims paid in 2024 — up 13% on the previous year.

The fundamental driver is not fraud or over-utilisation. It is unmanaged, undetected workforce health risk that surfaces only at the point of claim. WellNewMe moves the detection point upstream.

Request an Insurer Data Briefing

Speak with our team about data feed formats, API integration, GDPR compliance architecture, and how WellNewMe risk scores map to your existing underwriting models.

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