Beyond Coverage: How AI Is Redefining Health & Life Insurance

Session Overview

Health and life insurance are moving beyond traditional models of coverage toward continuous engagement.

AI is accelerating this shift — particularly with the rise of platforms like ChatGPT Health and Claude Health, which are changing how individuals access health information, manage conditions, and make decisions about their wellbeing.

For insurers, this introduces both opportunity and disruption:

• Customers are increasingly engaging with AI-first health interfaces, not insurers
• Engagement is shifting from episodic (claims, renewals) to continuous, digital interaction
• And expectations around personalization, speed, and relevance are rising rapidly

At the same time, the Middle East presents a unique challenge and opportunity — particularly around the expat population, which requires flexible, portable, and trust-driven Life & Health products.

This session explores how insurers can adapt to a world where:

• AI becomes the first point of interaction in health
• Customer relationships are built through engagement, not just coverage
• And products must be designed for highly mobile, diverse populations