Modernizing Applicant Health Screening for Insurance
We believe the nurse visit is the single biggest source of friction between an interested applicant and an issued policy
Why We Built Digital Health Assessments for Insurance
The life insurance industry has spent decades optimizing pricing models, distribution channels, and product design. But the applicant health screening step has barely changed. A nurse shows up days or weeks after the application, draws blood, takes vitals, and sends results that arrive days later. Every delay is an opportunity for the applicant to walk away.
Circadify started with a different premise: smartphones already have the optical hardware to capture vital signs. Remote photoplethysmography can derive heart rate, HRV, and respiratory signals from a standard phone camera. The question was whether this approach could deliver data reliable enough for underwriting workflows, fast enough to keep applicants engaged.
GetHealthScan is the result. A digital health assessment that applicants complete in 30 seconds from their phone, with structured vital signs data delivered to underwriting systems in real time. Carriers use it to power accelerated underwriting programs, reduce not-taken rates, and offer no-exam products to broader populations. The nurse visit is no longer the only option.
Our Mission
To eliminate the paramedical bottleneck in insurance underwriting by giving applicants a 30-second digital health assessment they can complete from their phone, delivering the vital signs data carriers need without the friction they don't.
What Guides Our Product Decisions
Applicant Experience First
Every product decision starts with the applicant. If the assessment creates friction, confusion, or delay, it fails regardless of the data quality. We optimize for completion rates because an unused tool delivers zero underwriting value.
Underwriting-Grade Data Delivery
Insurance underwriting requires structured, consistent, and timely data. Our API delivers vital signs in standardized formats with metadata that your rules engines can act on immediately. We build for your actuarial and underwriting teams, not just your IT department.
Privacy by Architecture
We chose on-device processing as a design principle, not an afterthought. No facial video leaves the applicant's phone. This architectural decision simplifies compliance for carriers operating across jurisdictions with varying biometric data laws.
Carrier-Grade Reliability
Insurance workflows cannot tolerate downtime during enrollment periods or application surges. Our infrastructure is built for the availability and scale expectations of enterprise insurance operations, not consumer app standards.
Learn More About GetHealthScan
Visit our main site to explore our technology and get started.