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Transform Dental Data into Underwriting Intelligence
AI-powered dental screening that delivers real-time risk scores.
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Standardized Dental Risk Scoring at Scale
SmartCheck converts simple dental image inputs into a structured, speedometer-style risk score — providing insurers with a clear, objective view of oral health risk at the individual level.
Consistent Risk Classification
Standardised scoring across your entire member base — no variability, no subjectivity.
Visual Health Scoring
Low, moderate, and high risk — clear classifications that integrate directly into underwriting workflows.
Actionable Underwriting Inputs
Structured, usable risk data that feeds directly into pricing, underwriting, and claims decisions.
Dental Risk Is Underserved in Underwriting
Limited or no risk-based dental underwriting
High variability in claims experience
Lack of baseline health data at onboarding
→ Result: Adverse selection, pricing inefficiencies, and elevated loss ratios
SmartCheck Risk Levels
Low Risk
Preventive stage
Moderate Risk
Early intervention likely
High Risk
Elevated treatment probability
Enabling consistent, data-driven decision-making across the policy lifecycle
How It Works
A Scalable Risk Intelligence Layer for Dental Insurance
1
Digital Image Capture
Guided dental images are captured via smartphone — no specialist hardware required.
2
AI Risk Analysis
AI models detect visible dental conditions and assess oral health status in real time.
3
Risk Score Generation
A health score and risk classification is created — low, moderate, or high risk.
4
Integration Layer
Outputs integrate into underwriting, pricing, and claims workflows via API.
Core Use Cases
Built for every stage of the insurance lifecycle — from onboarding to renewal.
01
Network Clinic
Members can avail a fully cashless journey at a Toothlens Network Clinic — pre-approved, zero paperwork.
Assess oral health risk at onboarding
Segment members into risk cohorts
02
Smarter Underwriting
Move beyond flat or assumption-based pricing with objective health data.
Move beyond assumption-based pricing
Integrate objective health data into decisions
03
Dynamic Pricing
Align premiums with actual risk exposure through personalised, risk-adjusted models.
Align premiums with actual risk exposure
Enable personalised, risk-adjusted pricing
04
Claims Optimization
Establish baseline oral health data to improve validation and reduce misuse.
Establish baseline oral health data
Improve validation and reduce misuse
05
Network Clinic
Members can avail a fully cashless journey at a Toothlens Network Clinic — pre-approved, zero paperwork.
Assess oral health risk at onboarding
Segment members into risk cohorts
Applicable across segments
Retail, group, and embedded insurance. SmartCheck scales across every distribution model.
Business Impact
Improve margins with better risk visibility across the policy lifecycle.
Network Clinic
Identify high-risk profiles early and price accordingly — before claims occur.
Enhance Pricing Accuracy
Link premiums to measurable risk.
Strengthen Underwriting Discipline
Standardized, data-backed decisions across your entire underwriting team.
Enable Preventive Insurance Models
Shift from reactive claims management to proactive, prevention-led risk management.
Network Clinic
Applicable for retail, group, and embedded insurance across all distribution models.
Not a Screening Tool — A Risk Engine
SmartCheck is purpose-built for insurers — not patients, not clinicians. Every output is designed to integrate into underwriting, pricing, and claims workflows.
Digital-first and scalable
Standardized across populations
Designed for underwriting, pricing, and claims workflows
Generates structured, usable risk data—not just reports
Traditional vs SmartCheck
Traditional Approach
With SmartCheck
Flat-rate dental pricing
With SmartCheck
No baseline health data
Oral health score at onboarding
Reactive claims handling
Proactive risk management
Manual underwriting judgment
Standardized AI risk scores
High loss ratio variability
Predictable portfolio risk
Make Dental Risk Measurable, Actionable, and Profitable
Traditional models overlook dental risk — SmartCheck turns it into a strategic underwriting lever.
Ready to Modernize Dental Underwriting?
Unlock smarter risk assessment, better pricing, and improved portfolio performance.
SmartCheck is a screening-based risk assessment tool designed to support underwriting, pricing, and claims decision-making. It does not replace clinical diagnosis.
