Why a paper ECG cannot be risk scored, and what structured ECG data changes
- Avin Agarwal
- Jul 27
- 1 min read
A paper ECG tells a doctor what happened in those ten seconds. It tells an insurer almost nothing, because paper cannot be queried, compared or scored.
When an ECG is captured digitally, every interval, amplitude and rhythm feature becomes structured data. That data can be quality checked automatically, compared against population baselines, flagged for cardiologist review, and fed into risk models.
This is the difference between a report that gets filed and a data asset that improves risk selection with every screening.
Ethos.AI processes ECGs captured across our network of 1,600 plus labs in 600 plus cities, turning each screening into decision ready data for underwriters and reinsurers.
If your underwriting still depends on scanned ECG strips, the information you need is being lost at the moment of capture.


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