#None #Artificial Intelligence #Health Insurers #iFHP

Health Insurers Embrace AI: A Global Benchmark Report

In a landscape where artificial intelligence is poised to revolutionize the health insurance sector, the International Federation of Health Plans (iFHP) has released a significant report scrutinizing the current state of AI integration across global health insurers. This document not only outlines the progress made but also highlights the challenges faced by insurers at different levels of maturity when it comes to implementing AI solutions into their systems.

The report reveals a shift from mere experimentation with AI technologies to establishing a solid foundation for sustainable implementation. Insurers are beginning to understand that the journey towards effective AI application is not just a race to automate processes but a strategic effort to enhance operational efficiency, decision-making, and long-term organizational viability.

The Current State of AI in Health Insurance

Conducted through over 25 interviews with senior executives from iFHP member organizations spanning Europe, the UK, the US, Australia, and Africa, the benchmarking study examines aspects such as AI implementation, digital infrastructure, innovation practices, talent development, and organizational culture. One of the most striking findings from the report is the uneven progression in AI adoption among insurers, with only approximately 32% classified as having the advanced digital infrastructure necessary to support AI at scale.

Despite this unevenness, the momentum towards operational efficiency is undeniable. Insurers are leveraging AI to reduce processing times, improve accuracy, and liberate human resources for higher-value tasks. For instance, pricing and risk management teams are now utilizing AI tools to enhance their analytical capabilities and refine scenario testing, all while maintaining essential human oversight and accountability.

Foundations Over Pilots

The report emphasizes the importance of establishing robust foundational elements over merely running pilot projects. Many organizations are investing heavily in cloud technology, data pipelines, skill enhancement, and comprehensive governance frameworks concurrently with their AI experimentation efforts. These investments are critical as they allow insurers to better position themselves for the reliable scaling of AI applications in the future.

As noted by Christopher Watney, CEO of iFHP, the research highlights an industry that is not only learning rapidly but doing so with intentionality. The focus is increasingly on building the capabilities needed for sustained AI application rather than rushing into widespread automation.

Chinwe Onyema, Head of Strategic Development Partnerships at iFHP and a contributor to the report, pointed out that the most reassuring indicator isn't just the number of pilot programs running but the seriousness with which insurers are approaching the groundwork required for scaling AI technology effectively. The consensus is that clarity on AI's value propositions is increasing, alongside a recognition of the patience and discipline required for meaningful deployment in member-facing and clinical settings.

Looking Ahead

The report is set to be presented at an iFHP executive briefing scheduled for January 28, 2026. It aims to guide boards and senior leadership in establishing responsible and effective AI strategies within their respective organizations, particularly within regulated health insurance markets. As part of a broader initiative, iFHP plans to release a follow-up document—a concise AI playbook featuring actionable items like checklists and templates to assist practitioners in translating these findings into tangible actions.

In conclusion, as health insurers globally continue to navigate the complexities of AI adoption, the findings from the iFHP report serve as a crucial road map for embracing this transformative technology in a manner that is sustainable, strategic, and ultimately beneficial for both insurers and their members.