Revolutionizing Insurance Claims & Underwriting with DigitalOwl's Case Notes

Today’s insurance industry faces numerous challenges: underwriters and claims adjusters are spending nearly half of their workday sifting through medical records to locate key information, operational costs are rising, data sources are expanding, and a shrinking workforce poses further complications. Traditional, manual tasks, such as medical record reviews, don’t appeal to the younger workforce, creating a barrier for talent attraction and retention. The result is a series of operational gaps that increase policyholder risk and hinder growth.

To address these issues, DigitalOwl has introduced Case Notes, an innovative AI solution designed to streamline workflows, reduce the need for manual document analysis, and empower insurance teams to focus on higher-value decision-making. By placing essential information directly at professionals' fingertips, Case Notes helps underwriters and claims adjusters reclaim valuable hours, making it an indispensable tool for a more efficient and effective claim management and underwriting.

The Value of Case Notes: Streamlined Insights for Insurance Professionals

Medical summaries aim to condense hundreds of pages into a more manageable format—for example, reducing 600 pages of medical documents down to 20 or 30 pages. While this is helpful, Case Notes takes these advantages further by presenting actionable insights that are critical for decision-making.  

For instance, while a summary might present a timeline of treatments, Case Notes can identify that an applicant has recently increased their dosage of depression medication, signaling a change in condition that’s relevant for risk assessment. This level of insight enables underwriters and claims adjusters to make fast, informed decisions without extensive document analysis.

Ready to see Case Notes in action? Watch our latest webinar for a live demo.

How AI Agents Supercharge Case Notes’ Efficiency

Case Notes is capable of providing actionable insights because it’s powered by DigitalOwl’s proprietary AI agents. These AI agents go beyond basic data extraction, skillfully navigating complex medical records to deliver precisely targeted insights—without requiring manual input. These intelligent agents don’t just retrieve data; they understand what questions need to be asked based on the context of each case, making them capable of producing actionable insights.

For example, if an agent detects that a claimant wasn’t hospitalized following an accident, it won’t prompt unnecessary follow-up questions about hospital procedures. This adaptable, case-specific questioning allows AI agents to filter out irrelevant information, saving time and presenting only the most pertinent details to underwriters and claims adjusters.

“The AI agent connects the dots and does the investigative work, allowing insurance experts to focus on actionable insights rather than individual data points,” said Yuval Man, Co-Founder and CEO of DigitalOwl. “It tells you, for example, if a treatment is effective or if an applicant has refused treatment. That’s the magic—moving beyond summaries into a new realm of insights that enhance efficiency, save time, and improve accuracy.”

Each AI agent operates through a specialized workflow, which acts as a decision tree to guide the agent’s analysis. This workflow includes over 300 preset pathways covering different medical scenarios and impairments, from sleep apnea to injury recovery timelines. These pathways define the specific questions an AI agent must ask, the possible answers, and the corresponding follow-up queries or insights that will be generated. The agent’s design allows it to “read” a medical record as a human would—synthesizing information, drawing conclusions about risk levels, and marking severity for different conditions. This capability enables underwriters to assess cases accurately and efficiently, as insights are presented with context and relevance already built in.

Built by Industry Experts, Designed for Insurance

DigitalOwl’s Case Notes was developed from the ground up by a team of in-house industry experts, including underwriters, claims adjusters, and legal and medical professionals. This team defines the workflows and decision pathways that guide the AI, ensuring it addresses the unique complexities of medical record analysis in insurance. Moreover, DigitalOwl’s partnerships with industry leaders like RGA bring invaluable real-world insights into the development process, enabling Case Notes’ AI agents to ask the right questions and generate actionable insights across a wide range of scenarios.

“Everything is developed internally with industry specialists, which is one of the greatest advantages of our product over generic, off-the-shelf solutions,” said Yuval Man.

Compliance and Transparency Built into Every Decision

Case Notes offers comprehensive compliance, logging each question asked and every decision made, to ensure an auditable trail for regulators. Unlike “black box” models that lack transparency, Case Notes provides clarity at every step, allowing users to see exactly where insights originated.

Additionally, real-time adaptability enables companies to adjust criteria as guidelines evolve, ensuring ongoing compliance without interrupting active cases. Built-in guardrails prevent irrelevant or biased questions, promoting a standardized, regulation-aligned workflow. This approach ensures standardization across large teams, allowing every professional to follow the same, regulatory-compliant logic.

Why Case Notes’ AI Agents are the Future of Insurance

DigitalOwl’s Case Notes is reshaping the insurance industry by providing underwriters and claims adjusters with a purpose-built AI tool that reduces manual effort, ensures compliance, and enhances decision-making efficiency. With its ability to deliver actionable insights quickly and accurately, Case Notes offers a solution to today’s most pressing insurance challenges.

Get access to our Case Notes webinar recording to discover the next evolution of AI in medical record reviews. Contact us to schedule a demo or learn more.