AI vs Licensed Advisor: Who Should Answer Your Insurance Questions?
The winning combination uses technology for intake and triage - forms, trackers, reminders, summaries - and a licensed human for decisions. Automation amplifies the advisor's reach; it never replaces judgment.
What AI gets wrong
Policy wordings change yearly and training data goes stale; exclusion nuances differ by insurer and policy year; local hospital networks and branch follow-up are not in any training set; and sharing health records with an AI tool has privacy risks.
What to look for
A named, licensed advisor who answers the call, advice citing your policy's actual clauses, follow-through on filing and escalation - not a recommendation and goodbye - and full accountability for what you were told.
The regulatory reality
Indian insurance regulation requires a licensed advisor to be accountable for recommendations - who recommended, who filed, who answers if it goes wrong. An AI model holds no licence and can be held accountable by no one.