[The picture is from Asia Insurance Review,the copyright belongs to the original author]

Have you ever used AI to ask about insurance? These days, technology makes it much easier to get insurance information.^[1] You do not have to visit offices in person. But this way of deciding also has hidden dangers. My 30-year-old friend has breast nodules. She wanted to buy insurance. She entered her needs into an AI chat box. In seconds, she received a detailed plan. It listed product names, coverage, and health notice details. It looked very personal. But she felt very doubtful. Is the insurance suggested by AI actually trustworthy?

In the last year, many people have shared this same doubt. As ChatGPT has grown popular, more individuals use AI for insurance questions. AI appears to handle everything from basic insurance ideas to specific product suggestions. But for the role of "family insurance advisor", its lack of professional skill and trustworthiness becomes clear.

Based on real test results from insurance review groups, AI's performance is uneven. For simple questions like "Do normal people need insurance?", it can clearly explain insurance priority order. It will suggest that with a limited budget, you should buy million-yuan medical insurance and accident insurance first. With a medium budget, then consider term life insurance and critical illness insurance. These scientific tips are very helpful for insurance beginners.

But once questions get into specific health issues, AI's weak points become clear. Consider the insurance needs of a 30-year-old woman with breast nodules. While AI can suggest products for the condition, there are major flaws. The products it recommends, such as Darwin 9 critical illness insurance and Damai Flagship Edition A term life insurance, are already discontinued. Old information can mislead customers. It also advises nodule patients to buy cancer recurrence insurance. This insurance is actually for people already diagnosed with breast cancer, not just those with nodules. The one-year million-yuan medical insurance it suggests can cover breast nodules. But it overlooks the insurance's long-term stability. If the product stops or your health declines, renewal becomes difficult.

AI-suggested insurance also has many hidden risks. The lack of current product information is a common issue. Many "popular products" AI recommends are old versions stopped years ago. The annual product update rate in the insurance market exceeds 30%. Some insurance firms use AI to study consumer data for focused sales. They might push expensive products with poor coverage. There are even criminals using AI to pretend to be insurance service staff. They trick you into sharing private information or paying "renewal fees". These frauds are much harder to identify than old-fashioned tricks.

[The picture is from Risk & Insurance,the copyright belongs to the original author]

So, what should you watch for when using AI for insurance information?

Confirm whether the product AI suggests is still for sale.

Insurance products change very quickly. Over 30% of products are upgraded or removed within a year. But AI's database might not be current. It often suggests products already sold out, like "Darwin 9" critical illness insurance and "Damai Flagship Edition A" term life insurance. You will waste effort following its advice. No matter how good AI says a product is, check the insurance company's official website. Call the official service number or check the CIRC filing platform. See if the product is still available and if its terms match AI's description. Make sure everything is correct before moving forward.^[2]

With minor health problems, do not trust AI's "random suggestions".

If you have some health issues, like nodules or high blood pressure, AI may easily suggest wrong products. For example, just having breast nodules might lead AI to recommend "breast cancer recurrence insurance". But this product is for people already diagnosed with breast cancer. You would waste money, and it would not pay when a real problem occurs. If you have health issues, do not just buy based on AI's ideas. List the products AI suggests, then find a licensed advisor or the insurance company's underwriting team. Share your medical check report and history. Let professionals help decide if the product covers you and if there will be "exclusions" (like not covering future thyroid issues). Ensure the insurance you buy will actually work.

Do not be drawn in by cheap short-term insurance. Long-term coverage is more secure.

AI really likes to suggest one-year short-term insurance. It seems inexpensive and flexible, but hidden risks exist. If the product stops or your health declines (like a higher nodule grade or a new illness), renewal becomes hard, and coverage could break. When buying core insurance (like medical or critical illness insurance), choose products with "guaranteed renewal". Examples are million-yuan medical insurance with a 20-year guaranteed renewal period, or long-term critical illness insurance and term life insurance. This way, even if the product stops, you keep the coverage without renewal worries.

[The picture is from Codiste,the copyright belongs to the original author]

Watch out for marketing tricks and scams. Do not share private details.

Some AI suggestions have labels like "hot seller" or "exclusive custom". They seem very appealing, but they could be "bad products" with high cost and low coverage. There are also scammers using AI to fake insurance customer service. They try to get your ID number, bank card number, or make you pay "renewal fees" or "activation fees". Do not fall for flashy labels. First, see if the product's coverage matches its price. Avoid buying something "expensive and useless". No matter what AI asks, do not share sensitive information like your ID number, bank card number, or verification code. If anyone asks for money, no matter how real it seems, call the insurance company's official number to confirm. Do not get tricked.

No matter how complex the product mix AI suggests, always remember two rules: Guard against big risks first, then small risks; Protect the main earners in the family first, then the elderly and children.

Prioritize major risks: First, buy insurance that covers big risks like major illness medical costs, accidents, death, or critical illness. Examples are million-yuan medical insurance, accident insurance, and critical illness insurance. Then think about secondary insurance like wealth-management insurance or small-amount medical insurance.

Prioritize the economic pillar: The main earners in the family (like a couple) should get full coverage first. Get enough term life insurance and critical illness insurance. This prevents the family losing its income source if something occurs. Then provide coverage for the elderly and children.

"AI + human" insurance service:

If you only use AI for information, you always worry it is wrong or not right for you. If you look for a real advisor, you might face the issue of no reply after*** launched the "Ant Bridge" platform. It fixes this problem. It connects AI on one end and professional human experts on the other. It offers 24-hour "AI + human" service. It manages both simple questions and complex needs.

Why is the "AI + human" service model more reliable?

For simple questions like "What is the deductible in million-yuan medical insurance?", "How long is the waiting period?", or "What illnesses does this insurance cover?", AI can answer very fast. The smart assistant on "Ant Bridge" will actively help you and explain in plain language. You avoid waiting or being transferred, saving the trouble of reading insurance terms.

For complex questions like "Can I buy critical illness insurance with a Grade 3 breast nodule?", "What is the most cost-effective insurance mix for a family with both elderly and children?", or "What documents are needed to file a claim?"^[3], these involve personal situations and need expert judgment. AI will directly connect you to the insurance company's experts, and real people will answer your questions.

For example, suppose you want to learn about critical illness insurance at 11 p.m. AI can instantly tell you the differences between products and their premium costs. When you are unsure about coverage based on your health, a real expert will contact you the next morning. They will review your medical report and even help with underwriting, avoiding the trap of buying useless insurance. This model of "AI for quick simple answers, humans for complex ones" saves time and brings peace of mind.

Source:

[1] https://gfmag.com/insurance/insurance-industry-on-the-brink/

[2] https://www.reddit.com/r/VoxelabAquila/comments/rebrfk/bl_touch_help/?rdt=62816

[3] https://www.zurichkotak.com/knowledge-center/health-insurance/what-are-the-documents-required-to-file-health-insurance-claim