Yakoota rolls out its underwriting and rating technology to the health insurance market; the third product launched in less than a year, following home and motor insurance. This milestone illustrates Yakoota’s ongoing commitment to innovation, aimed at enhancing transparency on the actual quality of insurance offers and enabling tailored subscriptions based on value for money
In addition, Yakoota has conducted R&D confirming the need for expert-supervised generative AI solutions to ensure outcomes that comply with regulatory standards. As such, Yakoota cautions against relying solely on generative AI to recommend the best insurance plan and underscores the importance of certified professional guidance
Yakoota’s Tailored Underwriting Solution Now Available for Health Insurance
Yakoota’s next-generation comparison platform provides a factual, 360-degree view of insurance plan quality. It is now available for health insurance. Powered by a proprietary algorithm, the platform analyzes billions of possible combinations to identify the most suitable plan for each individual, based on:
- Personal characteristics: age, employment status, ZIP code, sports activities;
- Specific needs: outpatient care, inpatient care, dental, vision, hearing, alternative medicine, wellness treatments, and more.
Instantly, the tool ranks plans and offers advanced customization options based on policyholder preferences. It delivers highly personalized recommendations with optimal value for money.
Advisors using Yakoota’s solution ensure full compliance with fiduciary duties. The platform already meets the upcoming ACPR recommendation of November 21, 2024, which takes effect on January 1, 2026—including sustainability and regular review requirements.
AI Is Necessary but Not Sufficient for Personalized Insurance
Yakoota welcomes the growing use of generative AI across industries, including insurance. In this context, its R&D team assessed the relevance of advice generated by leading AI models.
The results are clear: recommendations are rarely accurate, even when users provide relevant needs, risk parameters, and appropriate documentation. The likelihood of receiving relevant advice is barely better than random selection.
These findings reinforce the importance of relying on certified professionals to deliver insurance advice that meets regulatory standards. Yakoota will continue its research to help users understand the safe and responsible use of generative AI in the insurance sector.
Yakoota is a pioneering InsurTech in generative AI applied to insurance. Its rating is 100% independent. No brand pays to be featured in the comparison tool. The methodology relies on a holistic, factual definition of insurance quality, assessed across four systematically measured dimensions.
More information on Yakoota Ratings.
Description of Yakoota’s ESG rating.
Press inquiries: contact@yakoota.fr
