AI in Healthcare: How Relevant to Medical Risk Selection?

The role of artificial intelligence (AI) in biologic discovery, and in the practice of medicine is rapidly increasing. AI-assisted analyses of large databases are leading to impressive biologic discoveries and AI-diagnostics are beginning to change clinical practice. With time, AI-generated content will become a substantive component of electronic health records. By extension, more risk-relevant information will be available to life insurers. Further, as AI-assisted biomedical discovery provides new foundational knowledge, clinical medicine will benefit, and human mortality should improve. This article explains why AI will become indispensable to healthcare, describes its current role, and predicts the expanded role it will have in the future. It also outlines the abundance of barriers to its implementation. Finally, it describes the relevance of this evolution to medical risk selection, on which it will have a considerable impact.