Move from static actuarial tables to real-time biological data and predictive digital-twin simulation.
Approximately 74% of deaths worldwide are now caused by non-communicable, lifestyle-driven diseases — conditions that take decades to develop and are continuously monitorable. Yet, insurers currently rely on lagging indicators, annual questionnaires, and demographic averages. The risk model is fundamentally broken because it lacks real-time biological resolution.
Everything you need to build the next generation of health products.
Nostavia introduces real-time actuarial science. By utilizing opt-in streams of decoded lab data and continuous wearable signals (HRV, resting heart rate, sleep architecture), we construct a metabolic digital twin of the policyholder. Our predictive models can forecast the onset of metabolic syndrome, type 2 diabetes, and cardiovascular events years before they manifest clinically. This allows insurers to transition from passively paying out claims to actively incentivizing health, dynamically pricing premiums based on real-time biological improvement rather than demographic averages.
A look inside the data pipeline.
Insurers offer premium discounts or wellness incentives in exchange for policyholders opting into continuous data sharing via the Nostavia-powered white-label app.
The engine ingests historical claims data, annual blood panel results, and continuous telemetry from the policyholder's wearables.
Nostavia's models segment the population into dynamic risk cohorts, flagging individuals whose biological trajectory indicates an impending high-cost health event.
The platform automatically deploys targeted, medically-validated lifestyle interventions to at-risk individuals, steering them away from chronic disease and drastically reducing long-term claims costs.
Yes. The platform operates on a strict, explicit opt-in consent model. Data is never used for punitive pricing or coverage denial (where prohibited by law), but rather for underwriting discounts, wellness rewards, and proactive care management.
Our models are trained on massive, proprietary datasets of longitudinal multi-omics data. They achieve state-of-the-art AUC scores for predicting metabolic syndrome and early-stage cardiovascular risk, significantly outperforming traditional demographic models.
Yes. The Nostavia Risk API can pipe real-time biological risk scores directly into your existing actuarial and underwriting systems via secure webhooks.
Yes. We can deploy a fully white-labeled version of our application, allowing your policyholders to track their health, sync their wearables, and earn their insurance rewards all within a premium, branded environment.