Analysis shows risk assessment in insurance is affected by opacity issues, indicating a need for transparency.
Applies the Void Framework to insurance pricing and risk assessment. Four coupled opacities: actuarial model opacity, claims denial algorithm opacity, insurer-provider negotiation opacity, regulatory capture opacity. EU AI Act Annex III §5 HIGH-RISK. $5T+ global industry.
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Anthony W. Eckert (2026) studied this question.
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