CLUE offers a growing selection of calculators to accelerate and facilitate the underwriting process.
In the medical section, calculators are used to support a very granular assessment of particularly complex diseases. These include, among others, a depression calculator, calculators for malignant and benign tumours, an HIV infection calculator, and a cardiovascular risk factor calculator.
These calculators account for the interactions of the included risk factors, avoiding double counting on the one hand and detecting unfavourable combinations and “red flags” on the other hand, thus enabling underwriting decisions that are both risk-adequate and fair.
In the non-medical sections, calculators can be found for every type of risk: an occupations calculator that provides underwriting loadings as well as occupational classes; a travel calculator that assesses risk associated with travel but also compares the risk levels of country of policy issue vs. country of travel; and a financial risk calculator that facilitates the calculation of adequate sums insured.