At the NDTV Ind.AI Summit, Manu Lavanya, Senior Director and COO of Axis Max Life Insurance, explained how AI and real-time health data are already transforming insurance underwriting. Responding to a question on whether wearable and medical data can improve risk pricing, Lavanya said this shift is not the future — it is already happening. Insurers are increasingly integrating wellness ecosystems, wearable data, and AI-driven health signals into life and health products. Technologies such as Vision AI, biometric analysis, and government-backed digital health infrastructure like Ayushman Bharat Digital Mission are enabling more precise risk assessment, especially for underserved and self-employed populations.
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