Medical assessments are essential for handling personal injury claims. Every insurer or claims-handling company needs affiliated medical advisors with specialist competence to cover every injury.
Mavera solves that by offering medical advisors from every medical specialty.
In this article, I will take you through everything you need to know about our network of medical advisors.
What does it mean for you as an insurance company?
It means that you can outsource your medical assessments to us. We will provide you with high-quality, independent assessments with a standard response time of 48 hours.
There are several reasons why an insurer should outsource their medical assessments. Here are the most common:
Scale for claims accuracy
To make accurate decisions, you need medical advisors from every medical discipline. That's around 50 specialists, and it is also good to have many doctors in the most common areas to reduce queues and for second opinions.
It is hard for insurance companies to build a network of that scale internally. Typically they rely on less than ten general practitioners to assess every claim. That causes less accurate assessments and longer handling times.
Reduce administration costs
Outsourcing also reduces the internal resources required for managing medical advisors. An insurance company has to find, onboard, and manage each medical advisor. It's a time-consuming process with high costs outside an insurer's core business.
By outsourcing the network, that responsibility is already taken care of, and the insurer can be confident always to have medical advisors when needed.
Increase customer trust
Having medical advisors contracted by the insurance company can be seen as a conflict of interest. A medical assessment should always be objective and based on facts. That objectivity might be questioned if the insurance company compensates the doctor.
When you outsource, you can be sure that the assessments are independent and objective. That builds trust with your customers, which is essential for a long-term relationship.
What makes Mavera's network special?
Mavera holds the largest network of medical advisors in the Nordics. It Includes over 300 medical specialists from every medical discipline.
Everyone is carefully selected and follows our requirement profile of:
- Being certified in their medical field with a minimum of five years of clinical experience
- Working evidence-based and keeping updated on medical research and new treatments
- Still working clinically at a minimum of 25%
- Great communicative skills
After recruiting, new medical advisors must conclude our online training on insurance medicine and a test to demonstrate they understand their new assignment. They also get a more senior medical advisor mentor during their starting period.
A dedicated team supports the medical advisors, and we perform random assessment reviews to ensure our high quality.
Request medical assessments with a click
With Mavera DSS, you can handle all communication and assessment requests through the system. It can be integrated into your claims system to automatically assigns a case to the medical advisor with the right competence and the shortest queue.
Injury-specific templates and question types save time and create consistency in the process. It also supports common workflows such as biased verification, second opinions, and request for additional motivation from a medical advisor.
The augmented case view also makes it faster for the claims handler and medical advisor to read up on a case. The system automatically scans the claims documentation and highlights key information and events, helping both parties consider all information.
The system also provides insights and statistics for operational improvements. Naturally, all communication and documents are transferred securely and compliant. For example, medical advisors can't download any documents; they can only view them streamed.
Want to learn more?
If you would like more information on outsourcing your medical assessments to Mavera, please don't hesitate to get in touch. We are happy to answer any questions you might have.P.S. You don't have to choose between your internal medical advisors and an outsourced network. Many customers keep their internal for some claims and use our network for others. This hybrid solution is also supported in Mavera DSS and helps the insurer manage the network and requests.