In today’s crowded wellness and consumer health market, user engagement hinges on accurate insights and perceived value. To stay relevant and retain customers, solutions providers must choose an API that delivers precise vitals, while respecting data privacy.
Health Risk Assessment API for Insurers:
From Selfies to Scoring in Seconds
Enhance risk assessment, streamline onboarding, and reduce fraud with real-time vitals
Insurers Face Growing Pressure
Declarative data
isn’t enough
Relying on self-reported data leads to inaccurate risk profiling. There’s no way to verify statements like “I’m healthy for my age.”
Manual
questionnaires
Traditional subscription questionnaires are lengthy and tedious. This slows down the process and adds friction for potential customers.
Detection and
prevention of fraud
Insurers face attempts to trick the systems with fake inputs like photos, videos, deepfakes, masks or other artifacts that mimic a real person.
Inaccurate Risk Assessments Cost More Than Just Time
Higher churn during subscription
Long forms and medical exams cause drop-off. Customers abandon the process before completing subscriptions or renewals.
Limited fraud detection
Fake declarations and manipulated identities—from falsified health inputs to spoofed videos—undermine trust and inflate claims. Without biometric verification, insurers remain vulnerable during digital onboarding.
Missed insights,
misaligned policies
Without objective health insights, you’re stuck offering one-size-fits-all policies instead of tailoring products based on actual risk factors.
Meet i-Virtual: A Smarter Way to Assess Risk
Saphere is an advanced AI-powered engine that enables touchless measurement of vital signs
Designed for seamless integration, it provides a powerful way to unlock actionable insights—without the need for wearables or specialized hardware.
Scalable, customizable, and scientifically validated, Saphere helps hardware and software solution providers expand their value proposition.
Saphere Core: our robust API
Saphere Core is our API designed to enable effortless video-based vital sign capture and analysis.
With our robust API and a customizable SDK, developers can integrate moment-in-time insights into any solution—enhancing accuracy and user experience across the board.
Saphere Ops: intuitive management platform
Saphere Ops is our intuitive, web-based portal designed to help you efficiently manage users, track resource consumption, and analyze data trends. With powerful visualization tools, Saphere Ops empowers managers, analysts, and developers to maximize the efficiency and effectiveness of their Saphere implementation.
We Keep Vital Signs In Check
Get Objective Data to Power Better Decisions
Faster, more accurate underwriting
Move beyond assumptions. Gain instant access to physiological indicators like heart rate and respiratory rate, helping you evaluate disease risks (like hypertension) without labs or long forms.
Better customer experience, lower drop-off
No more medical visits or surveys. Just a selfie. Improve conversion rates by offering a seamless onboarding and renewal journey.
Objective validation of health declarations
Detect inconsistencies in self-reported behaviours like smoking, stress levels, or physical activity. Add a layer of physiological verification to protect your bottom line.
Smarter segmentation and pricing
Tailor policy offerings using real-time, objective data. Create differentiated products based on actual risk profiles, not generalized assumptions by age or geography.
A Solution Built for Your Insurance Stack
Objective health data in
30 seconds
Users record a short selfie video. We return vitals like heart rate, respiratory rate, and stress indicators in real time. No wearables or hardware required.
Seamless integration
with your stack
Easily plug into your existing web or mobile flows—whether for underwriting, onboarding, or ongoing customer engagement—without disrupting the user experience.
Built for insurance and insurtech players,
globally
Adjusted to populations in different countries, calibrated against global benchmarks for age, gender, and well-being indicators.
Empowering the Full Insurance & Insurtech Ecosystem
Digital Underwriting Platforms
Instantly assess real-time health and wellness indicators to improve pricing models, reduce reliance on lengthy forms, and accelerate quote-to-bind processes.
Claims & Fraud
Detection Systems
Validate health-related declarations (e.g., smoking, activity level, stress) using health signals. Identify inconsistencies and mitigate payout risks.
Customer Onboarding
& Engagement Tools
Offer a seamless, contactless health check during sign-up or renewal. Build trust while gathering valuable wellness data to inform risk and retention strategies.
How to Get Started
Step 1
API integration
Our customers leverage our self-serve content and Customer Success Team to seamlessly integrate Saphere into their end-user journey, simplifying the process and ensuring they maximize its full capabilities.
Step 2
Data processing
Once integrated to your system, Saphere processes video-based inputs using rPPG technology and AI to detect and analyze vital signs.
Step 3
Actionable insights
The extracted data is instantly available for analysis and can be leveraged within your solution, based on your use case.
Designed to Empower Innovators
Saphere empowers multiple industries by enhancing human-centered interactions, enabling innovators to unlock new possibilities, optimize their services, and offer continuous support and value to their end users.
Wellness & Consumer Health
Elevate wellness apps with easily accessible real-time health data.
Connected Devices & SaaS
Enhance smart devices and digital platforms with vital signs information.
It’s Time to Innovate
Integrate our remote vital signs monitoring API today!
Learn how to co-design and seamlessly bring touchless, remote vital sign measurement into your system, enhancing user experiences and unlocking powerful insights.
Your Questions Answered
How does a vital measurement API improve underwriting accuracy?
Saphere provides insurers with access to key physiological indicators—such as heart rate, respiratory rate, heart rate variability, and hypertension risk—captured through a simple selfie. By adding this objective layer of insight to the underwriting process, insurers can refine risk segmentation, reduce reliance on declarative-only data, and make faster, more accurate decisions without requiring medical exams or lab results.
How does the API contribute to fraud detection and prevention?
Saphere helps insurers validate self-reported health declarations (such as smoking status or stress levels) by cross-referencing them with biometric indicators. Our technology also includes anti-spoofing protections to detect and prevent fraudulent inputs—such as tampered videos or impersonation attempts—during digital onboarding or KYC. This ensures that the person being assessed is real, present, and is providing authentic data.
What measures are in place to ensure data security and compliance?
Saphere was designed with privacy and security at its core. All measurements are performed on-device or in transit with encrypted connections, and no biometric images or videos are stored. Our API is GDPR-compliant and built to support integration into regulated environments.