Possible Applications of Artificial Intelligence in the Sphere of Health Insurance

Artificial intelligence (AI) and the rapid development of modern information technologies continue to impact all branches of the economy, including the insurance sector. Artificial intelligence in insurance is used for various purposes, from underwriting and pricing to claims processing, from fraud detection to customer service. This integration is evolving the industry, fundamentally changing how insurers assess risk, serve customers, and drive innovation in an industry historically characterized by risk aversion. Artificial intelligence is used in almost all insurance industries: health, auto, property, life, consumer, and more. The possibilities of using AI in health insurance are noteworthy: simplification of claims processing, fraud detection and prevention, personalized insurance premiums, and dynamic pricing. Within the framework of the article, the directions for using Artificial Intelligence in health insurance are discussed. As a result of studies, an attempt was made to automate the function of organizing customer service and health insurance tariff packages, for the implementation of which a Telegram bot was created. The bot works based on the Artificial Intelligence model, which was developed in the environment of the Python programming language. It enables the customer to receive a health insurance package with a personalized tariff plan after entering initial data online through a bot.