I think that process has some merit when it's founded with some information. As I mentioned earlier, if you know there are certain conditions that, for the majority, are always approved, there is a base level, and then it's adjusted based on the severity of the injury. That is a likely solution.
I caution against no upfront vetting and payment controls. There is some due diligence that needs to happen. No upfront vetting comes with a cost, a need to make sure you look at it in a fulsome manner post payment.