Transforming Health Insurance with AI-Driven Efficiency and Accessibility
Ant Insurance, Ant Group’s online insurance brokerage platform, has processed 7.25 million health claims in 2024, marking a 55% year-over-year increase. The total health claim payouts on the platform reached RMB 9.2 billion (USD 1.3 billion), reflecting growing consumer demand for digital insurance solutions and Ant Group’s continuous innovations in AI-driven insurance services.
Rising Demand for Health Insurance in China
The increasing adoption of digital insurance services aligns with China’s shifting demographics. According to the National Health Commission, by 2035, over 400 million people more than 30% of the population will be aged 60 or older. This rapid ageing is expected to place greater pressure on the country’s healthcare system, increasing the reliance on commercial health insurance as a critical supplement to basic medical coverage.
Recognising this trend, Ant Insurance has continued to enhance its AI-driven solutions, making health insurance services more efficient, accessible, and personalised for both insurers and policyholders.
Pioneering AI-Powered Insurance Solutions
Since launching Haoyibao in 2018, Ant Insurance has remained at the forefront of digital health insurance innovation. This flagship product, developed in collaboration with leading Chinese insurers, was the first in the country to provide guaranteed renewal for six consecutive years, with coverage of up to RMB 4 million (USD 550,000). Over time, it has been continuously upgraded to accommodate a broader range of health conditions and customer needs, helping millions of families manage medical expenses effectively.
Beyond product innovation, Ant Insurance has leveraged AI to streamline every step of the insurance process, from policy selection and management to claims processing.
- GoldenChoice: Utilises the Ant Insurance Multi-factor Model (AIMM) to compare and recommend the best insurance products for customers.
- EasyPick: An AI-driven insurance planner that creates personalised insurance plans, helping users avoid overbuying or selecting inadequate coverage.
- EasyClaims: In 2024, this AI-powered claims solution assisted 11 partner insurers in managing over 85 health insurance products, with AI handling 96% of 1.62 million claims analysis requests.
Enhancing Insurer Capabilities with Ant Bridge
In September 2024, Ant Insurance introduced Ant Bridge, an open AI-powered platform designed to help insurers deliver real-time, personalised responses to customer inquiries. By integrating AI models with financial intelligence, Ant Bridge enhances operational efficiency and service quality, enabling insurers to provide more responsive and customised support.
Expanding AI’s Role in China’s Healthcare System
Ant Group’s commitment to digital transformation in healthcare extends beyond insurance. Since launching China’s first online hospital appointment booking service in 2014, Ant Group has played a key role in improving healthcare accessibility. Through its Alipay digital platform, it has connected over 800 million users with services from more than 3,600 hospitals as of January 2025.
Further strengthening its AI-driven healthcare offerings, Ant Group introduced the AI Healthcare Manager within the Alipay app in September 2024. This tool offers voice- and text-based access to over 30 services, including:
- Doctor mapping
- Medical report interpretation
- In-hospital navigation
- Personalised medical advice
By integrating these digital solutions, Ant Group is helping optimise the use of medical resources and expand healthcare accessibility, supporting broader medical inclusion across China.
A Future Driven by AI and Digital Innovation
Ant Insurance’s AI-driven approach is reshaping the health insurance landscape, making coverage more efficient, transparent, and accessible. As China’s demand for healthcare services continues to grow, the role of AI and digital solutions in the insurance and medical sectors is expected to expand further.
With innovations such as EasyClaims, Ant Bridge, and AI Healthcare Manager, Ant Group is reinforcing its commitment to enhancing the efficiency, affordability, and accessibility of healthcare services helping both insurers and policyholders navigate the evolving health insurance landscape with greater ease.
