The medical is the slow part. Not any more.
AI MER, AI ECG and stress test at home. Physician signed, audit ready, across 13,000 plus pin codes.
Medical checkups slow the policy down.
Between the applicant, the diagnostic centre and the underwriter, a pre policy medical checkup loses days. And when the record is scattered, a disputed case is hard to reconstruct.
Slow turnaround
Appointments take days, reports travel slowly, the policy waits.
Inconsistent quality
Different centres, different forms. Reports underwriting cannot compare.
Weak audit trail
A questioned case, a scattered paper trail, no confidence.
Speed, consistency, and a record that holds.
Turnaround in hours
Appointments in hours, AI read in 60 seconds, signed the same day.
AI plus physician quality
AI reads, a physician signs, your forms replicated digitally.
Reach across India
1,938 active labs, 829 cities, 13,297 pin codes. Close to every applicant.
Audit ready by design
Full audit trail, India data residency, any case reconstructable.
Every insurer headache, answered by the AI.
Not AI as a slide in a deck. AI doing the work, on 1,64,000 plus real cases, with a physician signing the reports that go back to you.
Numbers your actuary can argue with. Which is the point.
Measured on production cases rather than a demo set, and stated with the benchmark beside them.
93% sensitivity
AI ECG interpretation, against a published benchmark range of 80 to 90 percent.
95% specificity
Against a published benchmark range of 85 to 95 percent.
Under 60 seconds
From the last beat to the interpretation, so a poor trace is recaptured before the technician leaves the house.
500,000 plus ECGs
The size of the South Asian training set behind the model.
Read how the consensus architecture works, on the ECG AI page.
Cardiotrack figures are internal benchmarks measured on production cases. An independent validation study is due in the third quarter of 2026. The device technology has been reviewed by Swiss Re, Munich Re and Reinsurance Group of America.
The stress test your underwriting asks for, in the applicant's living room.
A portable stepper replaces the treadmill. Twelve lead ECG streams live, and a physician supervises on video and can halt the test.
Bruce protocol equivalence
Three minute graded stages, taken to peak and through recovery, the same shape a hospital treadmill test follows.
Inside the published range
Sensitivity 61 to 73 percent and specificity 59 to 81 percent, which sits inside the published range for hospital treadmill testing.
About twenty minutes
Consent, baseline, doctor signs on, three graded stages, recovery. The applicant does not leave home.
Three gates before a report reaches you. Four in five clear without a human.
Report completeness
Mandatory fields, sanity bounds on height and weight, signature and timestamp validity, and your own rules.
ECG signal quality
Lead detachment, baseline wander, noise floor and rhythm confidence. A poor strip is recaptured before the technician leaves.
Lab value ranges
Values parsed from uploaded reports, with out of range and impossible results caught before they reach an underwriter.
One operation, three costs it takes out.
The AI, the device and the network are not three products you buy separately. They are one chain, and the numbers below are what the chain does to a medical.
Around half the cost, because a doctor is not the first reader
AI medical examination and AI ECG interpretation run at roughly 50 percent of the cost of the doctor led equivalents. The doctor is still in the loop and still signs, but reviewing a drafted report is not the same job as producing one from scratch. That difference is where the saving comes from, and it is why the saving holds at volume rather than eroding.
Each part removes a delay the next one would have inherited.
This is why the end to end number is under four days rather than the sum of four separate waits.
The network removes travel
1,938 active labs and home visits across 829 cities, so 95 percent of medicals happen where the applicant already is. Two thirds of cases run in tier 3 and tier 4 towns, which is where a conventional panel has no reach at all.
The AI removes scheduling
No examiner slot to find. The examination is a spoken conversation the applicant starts when they are ready, and it is done in fifteen to thirty minutes rather than two to five days.
The device removes the second visit
The interpretation is back in under 60 seconds, so a poor trace is recaptured while the technician is still in the house instead of becoming a repeat appointment.
The platform removes the chase
Three quality gates clear four reports in five without a human, and what reaches your underwriter is already complete. 99 percent of reports close by T plus two.
The examination and the stress test, on real cases.
Two of the three things that decide how fast a policy issues. The third is the quality check, which happens before either reaches you.
Every case you have ordered, in one operational record.
Ethos.AI is where your book actually runs. Volumes, turnaround by network day, signed reports and open escalations, on the same data your account manager quotes from.
The operation is AI led, end to end.
Not one clever feature bolted onto a manual process. The AI sits at the centre of the workflow, and a physician signs the reports that go back to you.
AI fixes the appointment
Cases route by pin code to the right centre automatically, and the applicant is scheduled without your ops team making a call.
AI runs the examination
The medical examination is conducted as a spoken conversation in any Indian language, filling your form live and producing a tamper evident record. Patent pending.
AI reads the ECG
Every one of the twelve leads is interpreted in under 60 seconds, with rhythm, intervals and ST changes flagged and confidence scored. Patent pending.
AI runs the quality check
Each case is checked against your protocol before a human sees it, so what reaches the underwriter is already complete.
A physician signs
Ten doctors on call, pickup in under 15 seconds. The AI drafts, a doctor decides, and only signed reports reach your case file.
The report flows back
Approved reports return to you through straight through processing, with no chasing and a full audit trail behind them.
All data remains within the Cardiotrack technology ecosystem
Order, appointment, examination, reading, sign off and delivery all happen on our own platform, our own AI and our own network. Nothing is handed to a third party engine, so the applicant record stays inside one compliance boundary from the order to the signed report.
Already the medical partner for leading insurers.
1,64,000+ cases
Real insurance medical cases handled end to end on the platform.
WHO Compendium
Listed in the WHO Compendium of Innovative Health Technologies.
CNBC Young Turks
Featured as a breakthrough in accessible cardiac diagnostics.
From order to signed report, without the chase.
You send the case
The medical order comes into the platform, with the applicant and the checks required.
We fix the appointment
A lab near the applicant is assigned and the appointment is confirmed in hours.
Screening and AI report
The checkup is done, the ECG is read by AI in seconds, and a physician reviews and signs.
Report flows back
The signed report comes straight back to you, with the full case record kept for audit.
Questions insurers ask.
Where is applicant data stored?
All data is resident in India, with role based access and a full per case audit trail, aligned to the DPDP Act and IRDAI outsourcing norms.
Can you handle our own medical forms?
Yes. Your insurer specific forms are replicated digitally, so the reports come back in the format your underwriting already uses.
How wide is your coverage?
1,900 plus active labs across 800 plus cities and 13,000 plus pin codes, so checkups happen close to the applicant. We will map coverage to your book on the call.
How fast is turnaround?
Appointments confirmed in hours, AI ECG report in under 60 seconds, and physician signed reports the same day in most cases.
Can the stress test really happen at the applicant's home?
Yes. A trained technician conducts the stress test at home, with insurer approvals in place beforehand so the result counts for underwriting. Ask us to walk you through the protocol.
See it on your own cases.
Tell us the book and the volume. We will walk your team through a live examination and a real turnaround report.
See it on your own cases.
Book a short demo and we will show the workflow on a sample case, and map coverage and turnaround to your book.