The kind of team this fits: a group health insurer, roughly 200 applications a week across individual and group lines.
The morning before
200 applications a week, a four day wait for a coverage decision, and the outcome depends more on which reviewer happened to pick up the file than on what's actually in it.
Image, the morning beforeA photo or illustration of what this looks like today, before any of this runs.
How this could run
Not a feature list. The actual sequence, from the moment the case lands to the moment someone signs it.
- 01
Medical history gets read in full
EHR, medical records and claims history are ingested to assess overall health risk.
- 02
Anti-selection risk gets flagged, not guessed at
Clinical patterns and utilization data surface pre-existing and anti-selection risk before a decision is made.
- 03
The rationale travels with the decision
Coverage decisions arrive with clear rating rationale attached, ready for underwriter review.
Image, inside Zen StudioScreenshot of a Zen Studio canvas configured for a workflow like this one.
What doesn't change
An underwriter still reviews every coverage decision. What changes is whether that review starts from a blank file or a reasoned one.
What this could mean
Illustrative, based on the shape of a workflow like this one. The real number depends on the case, the team, and how it's configured.
4 days → 30 minutesApplication to coverage decision
92%+Underwriting decision consistency
Image, inside Zen PilotScreenshot of the Zen Pilot dashboard or explainability panel for a run of this workflow.
Where this lives in the platform
For an underwriting manager, a workflow like this starts as a conversation with Zara, describing the process in plain language and getting a first draft of the team back in the same session. Zen Studio is where engineering opens that draft, sets the guardrails node by node, and versions it before it goes live. Zen Pilot is where it actually runs, and where anyone can watch a case move through it in real time, node by node, with the reasoning attached.
