Understanding Consumer Adoption of AI-Enabled Health Insurance Services: An Empirical Investigation (International Research Journal of Medical Sciences and Health Care)
Summary
- A cross-sectional survey of 5,335 adult patients found that health insurance awareness was 60.9%, while ownership was 19.9% and medical care utilization was 15.8%.p.9
- An exploratory UTAUT study on online health insurance adoption in India gathered data from 300 users to evaluate seven key adoption dimensions.p.9
Key insights
- Perceived usefulness, effort expectancy, and trust represent the primary drivers of consumer adoption for AI-driven health insurance solutions.p.8
- Perceived risk and security concerns act as significant negative factors reducing user intentions to adopt AI healthcare assistants.p.8
- Relative advantage serves as the strongest predictor of AI technology acceptance among healthcare professionals.p.8
- Lack of consumer awareness and high premium costs remain major barriers to general health insurance adoption.p.9
- Explainability and transparency in AI models increase confidence and help doctors selectively adopt clinical AI recommendations.p.10
Topics and entities
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