The Dawn of Automated Health Guardianship: Robo Advisors in Insurance Planning
Jaspreet Kaur, Sanjay Taneja, Mohit Kukreti · BENTHAM SCIENCE PUBLISHERS eBooks · 2025
Robo Advisors are ushering in a new era of automated health guardianship, and in the ever-evolving environment of healthcare, an explosion has been seen in the integration of technology. This article delves into the paradigm change brought about by these sophisticated algorithms in the field of insurance planning, specifically with regard to health coverage. The purpose of this paper is to investigate the revolutionary effect that Robo Advisors have had on the process of insurance planning. Specifically, the article will shed light on the functionalities of Robo Advisors as well as the consequences that these features have for consumers as well as the insurance sector. Additionally, the ethical and regulatory considerations that surround the use of Robo Advisors in insurance planning are covered in this article. Concerns around data privacy, bias mitigation, and openness in algorithmic capabilities become critical as the use of artificial intelligence in decision-making processes becomes more widespread. Also, the changing role of insurance experts in connection with Robo Advisors is investigated in this article. Although these automated technologies simplify and improve the decision-making process, there is still no substitute for the human element when it comes to reading preferences down to the most detailed level and offering individualized guidance.