Artificial Intelligence in Healthcare and Automobile Health Insurance: Opportunities, Challenges and Future Directions

Abstract

Artificial Intelligence (AI) is transforming industries and healthcare and automobile health insurance are no exceptions. This paper explores the integration of AI across these sectors, highlighting its applications in diagnostics, personalised medicine, predictive analytics, claims processing, fraud detection and customer support. It also examines how lifestyle factors, health data and driving behaviour are influencing risk assessment in vehicle health coverage. Using extensive literature review (Kamran et al., 2022; Teng et al., 2022; Saxena et al., 2022; Tyagi & Chahal, 2022) and primary survey data from 150 UAE healthcare professionals, this study applies qualitative and quantitative analyses (SPSS, correlation tools). Results show radiology leads AI adoption; most professionals (70–80%) believe AI enhances accuracy and reduces workload, but it cannot replace human expertise. The paper discusses ethical, regulatory and privacy concerns and proposes recommendations for responsible AI integration to create a sustainable, efficient insurance and healthcare ecosystem.