For insurance brokers

Anonymous risk pre-check — no HIS entry, no risk

Structured health survey that goes to insurers without real names. You learn whether disability/private health insurance is possible — the client stays invisible to the HIS database.

Start template
How does HIS avoidance work?

0 HIS-Eintraege with pre-check instead of application

Escape the HIS trap

Rejection = HIS entry

A rejected disability application lands in the HIS database. All future insurers see it and decide negatively — even if the reason was minor.

Paper surveys vanish

You send a 6-page health survey as PDF. Three weeks later it is still not returned. Without data, no pre-check.

GDPR risk with health data

Health data is highly sensitive (GDPR Art. 9). PDF in inbox + copy to insurer is not audit-compliant.

How the workflow runs

  1. 1

    Customise template, link to client

    Pick the disability pre-check template. Industry-specific risk questions pre-filled. E-mail link with password protection.

  2. 2

    Client answers pseudonymously

    Survey captures only pseudonym + risk essentials — no name, birth date, or address. Over 50 detail questions with conditional logic.

  3. 3

    PDF to insurer — without names

    Export responses as PDF and submit pseudonymously. Insurer decides on risk basics, no HIS entry on rejection.

What brokers really need

Pseudonym mandatory field

Code instead of name (e.g. "Client 042"). Batch enquiries become easy.

Conditional logic 50+ questions

Client sees only follow-ups that match their profile. 8 min instead of 45 min.

Pseudonymous PDF export

One-click export without identifying data. Forwardable to insurers directly.

Servers in Germany

Health data stays in DE. GDPR Art. 9 compliant.

Auto-deletion after 30 days

Responses self-delete — no file mountains.

Pro pays off from 5 enquiries/month

Free

3 forms, 250 responses/month

Pro

Unlimited, 10,000 responses/month, AI included

View all plans

Broker FAQ

Do insurers really accept anonymous pre-checks?
Yes — most underwriting departments accept pseudonymous enquiries if essentials (occupation, age, health data) are complete. The insurer cannot bind a contract without real names, but gives an indicative assessment with Yes/No/Surcharge tendency. Only after a positive pre-check does the real application proceed.
How do I prevent real names from sneaking in?
The critical fields (name, address, birth date) are absent from the survey. Client sees only a pseudonym field + risk essentials. On PDF export we additionally check free-text fields for name patterns and warn you.
Are health data permitted in the cloud?
Yes, with constraints — GDPR Art. 9 allows health data with explicit consent. We enforce a consent checkbox per form + AES-256 encryption. Hosting in DE. DPA per Art. 28 GDPR on request.
How long are responses stored?
Default 30 days, then auto-deletion. Extendable on request (max. 6 months), but we recommend short — once the pre-check is done, you do not need the data anymore.
What if the client abandons?
Draft saving 7 days. Client can return via the same link and continue. As broker you see nothing of drafts — only when the client clicks "submit".
Does it work for private health insurance pre-checks too?
Yes — we have a PKV template with usual pre-existing-conditions questions. Templates also exist for risk life, daily sickness benefits, long-term care insurance.

Anonymous pre-check in 8 minutes

No HIS entry, no risk for your client.

Try template