AI vs Licensed Advisor: Who Should Answer Your Insurance Questions?

By Hari Kotian, IRDAI-Certified Insurance Advisor · 2026

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.

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.

The cautionary incidents

Consumers acting on AI-generated guidance about claims and grievances have hit procedural dead-ends - wrong portals, missed deadlines, wrong forms. The output looked authoritative; the process was wrong.