Legal Status of Artificial Intelligence-Based Health Insurance Services: Challenges, Opportunities for Customer Protection

Abstract

This study examines various sources of publications to complement the discussion of legal literacy studies on applying artificial intelligence based on health insurance and public services regarding challenges and opportunities in consumer protection. Several studies have been published on artificial intelligence; some even have one regarding health, but the legal status has not been found in consumer protection for technology-based insurance. On that basis, the existence of this research. We obtained data from several electronic searches and analyzed them to answer the research problem. Our approach is that we first analyze the data with an understanding of the questions, then search the data electronically and then review it; it involves a system of data coding, interpretation, and in-depth evaluation. Finally, based on the discussion of the results, it can be concluded that the use of intelligence applications in terms of public services in health insurance is something that helps the implementation of health insurance, which includes very transparent data, where the algorithm has been designed in such a way. Ways that can provide security in terms of cybercrime, keep customers' identities secret, prioritize justice and eliminate discrimination against consumers, legal justice in the form of intellectual rights from the impact of work and customer privacy will continue to be a commitment and responsibility that can be accounted for in an accountable manner by every insurance that uses artificial intelligence application. Hopefully, these findings provide essential strength for the development of future studies