Turn member health data into defensible insight. Governance that satisfies regulators, data quality you can underwrite against, and visibility into care pathways before costs lock in.
You see the claim after the hospital admission. The cost is already locked in. Earlier signals existed — you just couldn't access them safely.
Members wear Fitbits, Oura rings, CGMs. The data could transform risk stratification — but it's clinically unvalidated and indefensible to regulators.
Digital GP, private consultant, high street lab, physio. Four providers, four records, zero continuity. You can't see the pathway until the claim arrives.
When regulators ask how you're using clinical data for decisions, can you show consent, provenance, and validation? Can you demonstrate the evidence trail?
Insurance use of clinical data requires the same governance invariants as clinical care — identity, consent, provenance, responsibility. Our infrastructure implements these flows specifically for insurer contexts: member matching across networks, dynamic consent for data use, and audit trails that satisfy both clinical and financial regulators.
Your members generate health data from consumer devices — Apple Watch, Fitbit, Oura, Garmin, CGMs, blood pressure monitors. This data could transform risk stratification and early intervention. But consumer devices aren't medical devices. Data quality varies. Clinical validity is questionable.
SteadyTrace is the validation layer that makes consumer health data usable for insurance purposes — with governance that satisfies regulators.
Apple Health, Google Fit, Garmin, Fitbit, Withings, CGMs, and medical-grade RPM devices through a single integration.
Physiological plausibility checks, sampling integrity verification, device fingerprinting. Data quality scored before use.
Clinician-defined collection protocols and thresholds. Not just raw data — contextualised signals with clinical oversight.
ALCOA+ aligned data integrity. Full provenance chain. Evidence packages structured for regulatory scrutiny.
A member recovering from cardiac surgery uses their existing Apple Watch. SteadyTrace validates heart rate and HRV data against clinical thresholds, flags anomalies for clinician review, and generates evidence packages documenting the member's recovery trajectory.
Your members move between digital GPs, specialists, diagnostics providers, and home monitoring — often crossing into NHS care and back. Two infrastructure components work together to make this visible and governed.
FHIR Cube maintains longitudinal patient state — a provenance-preserving record of the member's clinical journey across providers, with explicit consent and time-bound access.
Protocol Factory codifies clinical pathways — what steps should happen, in what order, with what triggers. These protocols execute against patient state to identify gaps, flag deviations, and surface intervention opportunities.
Query patient state before approving treatment. See what's already been done, what's been tried, what's indicated.
Pathways codified in Protocol Factory run against FHIR Cube state. Missing steps and deviations surface automatically.
Visibility into diagnostics across providers. Protocol logic flags unnecessary repeat investigations.
Visibility into deterioration before hospital admission
Validated clinical signals, not just claims proxies
Pathway context before costs are locked in
Evidence that satisfies FCA, ICO, and clinical scrutiny
Built on UK Core FHIR R4 — the NHS interoperability standard. Standard APIs, no proprietary lock-in, portable data.
We're working with forward-thinking insurers to prove the value of governed clinical infrastructure. Start with a 30-minute discovery call.
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