cs.AIApr 2, 2026

Retrieval-aligned Tabular Foundation Models Enable Robust Clinical Risk Prediction in Electronic Health Records Under Real-world Constraints

Authors: Minh-Khoi Pham, Thang-Long Nguyen Ho, Thao Thi Phuong Dao, Tai Tan Mai, Minh-Triet Tran, Marie E. Ward, Una Geary, Rob Brennan, 

Organizations: School of Computing, Dublin City University, Dublin, Ireland · ADAPT Centre, Dublin City University, Dublin, Ireland · University of Science, Vietnam National University, Ho Chi Minh City, Vietnam · Department of Otolaryngology, Thong Nhat Hospital, Ho Chi Minh City, Vietnam · 

Abstract

Clinical prediction from structured electronic health records (EHRs) is challenging due to high dimensionality, heterogeneity, class imbalance, and distribution shift. While tabular in-context learning (TICL) and retrieval-augmented methods perform well on generic benchmarks, their behavior in clinical settings remains unclear. We present a multi-cohort EHR benchmark comparing classical, deep tabular, and TICL models across varying data scale, feature dimensionality, outcome rarity, and cross-cohort generalization. PFN-based TICL models are sample-efficient in low-data regimes but degrade under naive distance-based retrieval as heterogeneity and imbalance increase. We propose AWARE, a task-aligned retrieval framework using supervised embedding learning and lightweight adapters. AWARE improves AUPRC by up to 12.2% under extreme imbalance, with gains increasing with data complexity. Our results identify retrieval quality and retrieval-inference alignment as key bottlenecks for deploying tabular in-context learning in clinical prediction.

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