Accurately determine pre-existing conditions

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.

Learn more about our OHIs

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Sikka Health Indicators™

Sikka has identified several health indicators from opt-in, consent-based data, derived from more than 168M+ 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.


Alzheimer's Disease
Diabetes
Marijuana
Blood Disease
Hyperlipidemia
Periodontal Disease
Cancer
Hypertension
Sleep Apnea
Cardiovascular Disease
Kidney Disease
Tobacco
Covid-19
Liver Disease
Alzheimer's Disease
Diabetes
Liver Disease
Blood Disease
Marijuana
Cancer
Hyperlipidemia
Periodontal Disease
Cardiovascular Disease
Hypertension
Sleep Apnea
Covid-19
Kidney Disease
Tobacco
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Download the Sikka Health Indicators™ one-pager

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).

1-Minute Video: How Sikka Insights Is Thwarting “Smoking Liars”

A segment from Sikka’s webinar:
Smoking Gums - Using Oral Care Data to Identify Self-Reported Misinformation for Life Insurance

Watch the full webinar

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. Munich Re recommends each carrier perform a retrospective study to best assess the value and application of the Sikka Tobacco Score on its company-specific insured population.

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Read the full study

Contact us

To learn more about Sikka and Life Insurance, please reach out to Lewis Goldman,
leader of our Sikka Insights – Life Insurance business.

Lewis Goldman

Lewis Goldman

Sikka Insights – Life Insurance
Email

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Lewis Goldman has over 20 years of experience in insurance and financial services, leveraging data for disruptive innovation across a variety of products and services, and is leading Sikka Software’s Life Insurance business. Before working with Sikka, Lewis served as executive of LendKey Technologies, a FinTech company. Prior to LendKey, Lewis worked for several years in insurance, including as head of marketing and product for Global Life Distribution and the MetLife direct to consumer life insurance business. He brings a track record of success nurturing and scaling businesses through marketing, new products, new channels of distribution, partnerships, and cross-sell at companies where he worked including Citigroup, LinkedIn, 1800flowers.com, Amazon, New York Life, and several FinTech and InsurTech startups. Lewis currently teaches marketing at St. Johns University, and is a graduate of Harvard University and Columbia Business School.