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Frequently Asked Questions

What insurance product managers and underwriting leaders ask about digital health assessments for applicant screening

Frequently Asked Questions

The applicant receives a link via email, SMS, or your application portal. They open it on their smartphone, follow on-screen positioning instructions, and hold still for 30 seconds while the camera captures their vital signs. No app download is required for web-based deployments, and no scheduling or appointment is needed.

Each assessment captures heart rate, heart rate variability metrics, respiratory rate, and a composite stress score. These signals are derived from micro-variations in facial skin color caused by blood flow, analyzed through remote photoplethysmography technology running on the applicant's device.

Traditional paramedical exams require scheduling, nurse coordination, and applicant availability, creating a gap where applicants lose motivation or find a simpler alternative. A 30-second phone-based assessment eliminates that delay entirely, keeping applicants in the funnel at the moment of highest intent.

Structured vital signs data is transmitted via webhook or REST API within seconds of scan completion. Results arrive in JSON format with heart rate, HRV, respiratory rate, and stress metrics ready for ingestion by your rules engine, underwriting workbench, or case management system.

All biometric processing occurs on the applicant's device. No facial video is transmitted to or stored on Circadify servers. Only the structured vital signs results are delivered to your systems. This on-device architecture minimizes your data privacy exposure and simplifies compliance obligations.

Most carriers complete API integration within a single development sprint. Circadify provides RESTful endpoints, webhook configuration, and sandbox environments for testing. Your engineering team receives documentation, sample payloads, and dedicated integration support throughout the process.

Have a Question About Integration?

Our insurance solutions team works with carriers and insurtechs to scope integration, discuss underwriting data requirements, and plan deployment timelines.

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