HUMAN API

Consumer-consented health data connectivity for life insurance underwriting

Underwriting & Risk Established Acquired

Overview

Human API is a health data connectivity platform that enables consumer-consented access to electronic health records (EHRs), health information exchanges (HIEs), lab results, and wearable data at scale. Founded in 2013 by Andrei Pop and Ola Wiberg, the company built the Health Intelligence Platform to modernize life insurance underwriting by replacing paper-based attending physician statement (APS) processes with real-time digital health data.

The platform connects patients with healthcare organizations through a secure, consent-driven interface, facilitating access to over 30,000 data connections -- including medical records, labs, and 300+ wearable devices -- covering 270M+ individuals. This positions Human API as a critical data infrastructure layer for life insurers seeking faster, more accurate underwriting decisions.

In April 2023, Human API was acquired by LexisNexis Risk Solutions, a division of RELX, and now operates as the Health Intelligence EHR offering within the LexisNexis Risk Solutions portfolio. The acquisition extended LexisNexis Risk Solutions' data and analytics capabilities for the life insurance market.

Products & Services

Health Intelligence Platform

Consumer-consented health data access at scale, connecting life insurers to 30,000+ data sources including EHR networks, HIEs, patient portals, pharmacies, lab systems, and wearable devices.

Key Features

Consumer consent interface for secure data-sharing authorization
Access to 270M+ individuals' medical records, lab results, and wearable data
Up to 76% EHR hit rates for life insurance carriers
Clinical History Report -- concise, normalized summary of applicant health data for underwriters
Smart evidence orchestration optimizing the best data retrieval paths

Target Users: Life insurance carriers and reinsurers

Enterprise Portal

Insurer-facing platform for managing health data orders, tracking results, and integrating with existing underwriting workflows.

Key Features

Order management and result tracking
Integration with existing underwriting systems
Data normalization and clinical NLP
Advanced identity linking

Target Users: Underwriting teams, operations staff at life insurance carriers

Consumer Consent Interface

Digital consent management enabling applicants to authorize access to their health data, replacing manual paper-based processes.

Key Features

Mobile-optimized consent flows
HIPAA-compliant data handling
Secure authorization for multiple data sources in a single consent event

Target Users: Life insurance applicants, customer experience teams

At a Glance

Founded: 2013
Headquarters: Redwood City, CA
Employees: 51-200
Funding: Acquired

Category & Focus

Category: Underwriting & Risk
Subcategories: Health data connectivity EHR access life insurance underwriting automation consumer consent management
Insurance Verticals: Life & Annuity Reinsurance
Target Customers: Carriers, Reinsurers