Recently, the GienTech Agent Innovation Competition concluded successfully, highlighting a range of intelligent solutions across key business areas. Against this backdrop, GienTech introduced GienTech PreBind AI, an AI underwriting solution for health insurance designed for complex health disclosure scenarios.

The product addresses common challenges in traditional underwriting workflows, including delayed pre-underwriting feedback, limited automated underwriting coverage, and heavy pressure on manual underwriting teams. By moving risk assessment forward to the sales stage, GienTech PreBind AI enables real-time underwriting support during the customer journey, helping reduce sales drop-off while improving operational efficiency.

Connecting Sales and Underwriting

The solution connects front-end sales and pre-underwriting with the insurer’s core underwriting process. After product recommendation, customers can upload materials such as medical examination reports, medical records, and diagnosis certificates. AI then identifies, structures, and analyzes health information to generate a pre-underwriting result. When necessary, the system can also initiate intelligent follow-up questions to supplement missing risk factors and underwriting information.

Core Advantages

· Faster turnaround: moves risk identification, information completion, and preliminary underwriting judgment to the sales stage, shortening decision time from days to minutes.

· Broader automation: improves straight-through processing through structured information, underwriting rules, and automated decision-making.

· Stronger decision support: supports complex case handling by combining large models, knowledge graphs, historical cases, and risk calculation capabilities.

Built for Integration and Scale

GienTech PreBind AI adopts a layered architecture that connects with existing sales systems, underwriting systems, product factories, and other business systems. It supports capabilities such as information collection, dialogue completion, intelligent form filling, risk assessment, product recommendation, and historical case matching.

Overall, GienTech PreBind AI helps transform underwriting capability from experience-based human expertise into a reusable digital asset, supporting higher efficiency, stronger consistency, and future productization.

For further inquiries, please contact us.