AppEase

Digital health data solutions for insurance underwriting and claims management

Underwriting & Risk Startup Seed

Overview

AppEase is a cloud-first health data management platform for insurance carriers, offering electronic medical record retrieval and analytics to accelerate life, disability, long-term care, and bodily injury claims workflows. The platform connects insurance carriers with healthcare providers to exchange medical records digitally, replacing paper-based and manual retrieval processes that are common in underwriting and claims operations.

The platform delivers two core capabilities: electronic record retrieval from multiple healthcare providers and an analytics layer that consolidates, deduplicates, and summarizes medical data for underwriters and claims adjusters. Records are presented in an underwriting-optimized interface with color-coded outcomes and keyword search, reducing review timelines by approximately 50% compared to traditional methods. AppEase is HIPAA-compliant, certified through MedStack.

Founded in 2019 by Nicole Tilot, a former financial advisor with experience at a Fortune 300 company, AppEase completed the Global Insurance Accelerator 100-day cohort in 2024. The company has received support from accelerators including Milky Way Tech Hub, gener8tor, Young Enterprising Society, and gBETA. Total disclosed funding stands at approximately USD 115K across seed and pre-seed stages.

Products & Services

Medical Record Retrieval

Electronic health record search and access solution that enables insurance carriers to locate and retrieve medical records from multiple healthcare providers. The service provides real-time access and secure HIPAA-compliant transfers, reducing record gathering time from weeks to days.

Key Features

Electronic record retrieval across disparate healthcare provider networks
Real-time notifications when records become available
HIPAA-compliant secure transfer via MedStack certification

Target Users: Life and disability underwriters, P&C and workers compensation claims adjusters

Enhanced Analytics

Analytics and data structuring solution that consolidates medical records from multiple sources, removes duplicates, and presents actionable summaries for underwriting and claims decision-making. A digitally-enabled decision engine surfaces and highlights critical data points.

Key Features

Multi-source record consolidation with deduplication
Color-coded outcomes and keyword search for underwriters
Approximately 50% reduction in review timelines
Summary views for claims adjusters and underwriting operations

Target Users: Underwriters, claims adjusters, insurance carrier operations teams

Record Management

Secure access and sharing platform for medical records between healthcare providers and insurance carriers, designed to support care coordination and efficient claims handling.

Key Features

Secure multi-party access controls
HIPAA-compliant architecture
Supports both underwriting and claims management workflows

Target Users: Insurance carriers, healthcare networks

At a Glance

Founded: 2019
Headquarters: Green Bay, Wisconsin, USA
Employees: 11-50
Funding: Seed

Category & Focus

Category: Underwriting & Risk
Subcategories: Medical record retrieval claims data management health data analytics
Insurance Verticals: Life & Annuity P&C Commercial Workers Compensation
Target Customers: Carriers, TPAs