保险科技及健康科技论坛

As AI reshapes every sector of the economy, the convergence of digital health, financial services and intelligent ecosystems is creating new opportunities to improve human outcomes at scale. From predictive health insights and personalised interventions to new models of financial planning and risk management, technology has the potential to fundamentally redefine how societies prepare for longer lives. This session explores how AI can help tackle some of society’s most pressing challenges, including rising healthcare costs, ageing populations and financial resilience. The discussion will examine how leaders can harness AI responsibly to create more connected, preventive and sustainable systems that support healthier, longer and more productive lives.

AI is reshaping the strategic agenda of insurance leaders. Beyond individual applications, insurers must embed AI responsibly across their organisations through effective governance, workforce readiness and a culture of innovation. Taking a CEO-level strategic perspective, this panel will explore how senior insurance leaders are translating ambition into enterprise-wide actions, the progress made and lessons learned, and the priorities and collaborative efforts needed to scale AI responsibly.

The embedded insurance market has evolved beyond simple API plugins into a $176 billion autonomous ecosystem. With the 2027 CMS Prior Authorization mandate looming, AI agents are now entering the entire lifecycle—from invisible underwriting at checkout to real-time, automated medical necessity reviews. This session dissects how tech giants like Tesla, Shopee, and Amazon are leveraging "The Prior Auth Stack" to remove transaction friction and examines the strategic shift for legacy carriers.

Health data and insurance underwriting have always been siloed but AI is finally breaking down the walls. This session explores how leaders are navigating the complex landscape of health data sharing, interoperability standards, and AI-driven insights that bridge clinical care and insurance risk. From wearable data to electronic health records, how do you turn fragmented data into a competitive advantage while protecting patient privacy?

Algorithmic shifts in healthcare challenge traditional risk models as predictive analytics transforms underwriting, care management, and regulatory compliance. Machines forecast individual health trajectories, forcing insurers and policymakers to rewrite rules of access, privacy, and equity. Navigating the fragile balance between technological precision and the human right to fair, unbiased care in a data-defined future remains the central tension.

Increasing longevity, evolving customer needs and advances in AI are challenging traditional assumptions about risk and protection. As protection becomes more personalised and preventative, insurers and distributors must rethink how products are designed, distributed and delivered. This session explores the role of AI, embedded insurance and ecosystem partnerships in making protection more relevant, accessible and affordable in a changing world.

Health insurers are becoming health outcomes managers. This session breaks down the $520B+ market where institutional giants are acquiring nutraceutical and diagnostic leaders to build a full-stack preventive infrastructure. Discover how the business model is evolving from reactive claims to proactive 'readiness' monitoring, and why tech giants and emerging startups are now the critical partners for insurers in a world where data is the new deductible.

This session will explore how AI, data and digital platforms are shifting insurance from reactive claims payment to proactive risk management, health management and value creation; how insurers can leverage Hong Kong’s role as a bridge connecting the Chinese mainland, the Greater Bay Area and international markets to develop more data-enabled solutions for health and longevity, embedded insurance and parametric products; and how, amid challenges in data governance, model trustworthiness, cross-border collaboration and regulatory compliance, the industry can expand insurability and jointly build an open, resilient and sustainable new insurance ecosystem.