The country's first "AI+ human" insurance service is launched in Shanghai. AI interpretation of medical examination reports can increase the payout ratio.

Pacific Health Insurance recently launched the Blue Medical Insurance Free Health Disclosure Long-term Medical Insurance. This insurance product does not require health disclosure before enrollment, and can cover pre-existing conditions within the scope of responsibility. It has introduced the "AI+Human" health insurance management service for the first time nationwide. It is reported that Blue Medical Insurance has a low threshold for enrollment and a wide range of coverage, with an enrollment age range from 30 days to 75 years old, and a guaranteed renewal for 5 years. Additionally, there is no health disclosure threshold when enrolling, and individuals with conditions like hypertension, hyperlipidemia, diabetes, and hepatitis B can be insured. The annual coverage can reach up to 6 million RMB, helping to alleviate the difficulties in enrolling and renewing insurance for the elderly and individuals with chronic diseases. It is worth mentioning that this insurance product has introduced the "AI+Human" health management service. Enrolled users can receive free health consultation, report interpretation, and other services through the AI application "Ant A Fu" on a daily basis. When medical treatment is needed, there are human health advisors available 24 hours a day to provide exclusive services, including online consultations, medical planning, expert consultations, and medical assistance. In addition, enrolled users can receive a free physical examination service each year, covering over 30 common items. By uploading the physical examination report for AI interpretation, it can also increase the insurance payout ratio without additional premium.