LIFE INSURANCE

Accurately determine pre-existing conditions with Oral Healthcare Indicators

Sikka.ai uses consent-based dental data to identify applicants with a range of pre-existing conditions, providing underwriters with the information they need to better determine relative risk.

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Sikka Oral Healthcare Indicators™

Sikka has identified several health indicators from opt-in, consent-based data, derived from more than 177M+ unique records. These indicators cover a wide range of pre-existing conditions and habits that can impact health, providing extensive data to assess the applicant's mortality risk by providing information that may not be available through other data sources.

Our indicators can help determine the appropriate risk classification for applicants, with pricing and coverage based on the applicant's relative risk and putting them in the appropriate risk class.

177M+ Unique records

90% Indicators accuracy

Health Indicators

Alzheimer's Disease
Blood Disease
Cancer
Cardiovascular Disease
Covid-19
Diabetes
Hyperlipidemia
Hypertension Kidney Disease Liver Disease Marijuana Periodontal Disease Sleep Apnea Tobacco

Sikka Oral Healthcare Indicators™

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Sikka Tobacco Indicator­™


The Sikka Tobacco Indicator­™ is generated for an individual based on his or her dental clinical notes and completed oral healthcare evaluations, which have been fed through a machine-learning model. Sikka’s patient records are assigned to one of two classes: tobacco user (T) or no evidence of tobacco use (NE).

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OHI-Munich-Study

Sikka Tobacco Indicator­™ & Munich Re Study


Munich Re is a leading global provider of reinsurance, primary insurance & insurance-related risk solutions.

In 2019, Munich Re performed a validation of Sikka’s Tobacco Score using insured records. Research confirms that information about dental health can be informative about overall health, and products such as Sikka’s tap into this alternative source of information.

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To learn more about Sikka and Life Insurance,
please reach out to insurance@sikka.ai or contact us on our website.

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