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Fairness Assessment and Ethical Governance of Insurance AI: A Patch Approach for Vulnerable Groups

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This research highlights fairness assessment and ethical governance of insurance AI, suggesting improvements for vulnerable groups.

The research demonstrates significant ethical risks associated with insurance AI, particularly affecting vulnerable groups like the elderly.
Key indicators for assessing fairness include explainability, premium fairness, and coverage of vulnerable groups in insurance AI.
The study constructs a fairness assessment index that focuses on improving algorithmic outcomes for at-risk populations.
Recommendations include implementing algorithmic patches aimed at reducing discrimination and enhancing accessibility for vulnerable groups.

Ying Nie (2025) studied this question.

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