Why Insurance Advice Needs a Human, Not a Bot
Policy wordings change yearly and training data goes stale; exclusion nuances differ by insurer and policy year; local hospital networks and branch follow-up are not in any training set; and sharing health records with an AI tool has privacy risks.
The cautionary incidents
Consumers acting on AI-generated guidance about claims and grievances have hit procedural dead-ends - wrong portals, missed deadlines, wrong forms. The output looked authoritative; the process was wrong.
The regulatory reality
Indian insurance regulation requires a licensed advisor to be accountable for recommendations - who recommended, who filed, who answers if it goes wrong. An AI model holds no licence and can be held accountable by no one.
Technology plus human
The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.