DB Life Insurance Launches AI-Enhanced Health Coaching Policies

DB Life Insurance has introduced a new insurance product that combines artificial intelligence (AI) with healthcare services, aiming to penetrate the health management insurance market.

On June 1, DB Life announced the launch of its '(Non) AI Life Care Term Insurance' and '(Non) AI Life Care Cancer Insurance,' which include AI health coaching services.

These products shift away from traditional insurance models focused on payouts, instead emphasizing support for policyholders' health management and disease prevention. The policies utilize health check-up data to assess the health status of subscribers, applying differentiated premium rates based on their health grades.

Health grades are categorized as 'Super Healthy,' 'Healthy,' and 'Standard,' with greater discounts available for those in better health.

After enrollment, policyholders can participate in health challenge programs linked to the AI health coaching service, which provides ongoing health management support. Subscribers can have their health grades reassessed annually for up to 10 years, with additional premium discounts available for improved health status.

A representative from DB Life stated, "By integrating AI technology and healthcare into our insurance products, we have enhanced both health management and coverage benefits for our customers. We will continue to strive to provide differentiated insurance experiences and health management services in the future."