An AI tool compared the two largest health insurers - the way a member of the public might.
Here's what Ai got wrong.
- It missed the most important difference between the two policies. Something called a "guaranteed wording" — a promise about what your cover can't be downgraded over time (removal of benefits from your cover)
- It compared the wrong version of a policy. It used an outdated document, even though cover can change meaningfully between versions.
- It missed documents that actually decide whether a claim gets paid. One insurer has separate rulebooks affecting what's covered, and the AI didn't know they existed.
- It got a major cover difference flat-out wrong. One insurer only covers certain expensive medicines for cancer, not other serious illnesses — and the AI missed this entirely. With Cancer being so commonly diagnosed - you want assurance in this area!
- It left out cover that's actually included, missing a whole category of chemotherapy-related benefits. Again, with Cancer being so commonly diagnosed - you want assurance in this area.
- It misapplied a policy rule, making a limitation that affects the whole policy look like it only applied to one small section.
- It got a number wrong— saying one benefit lasted four years, when it's actually three.
- It said a benefit didn't exist when it did, simply because it was listed under a different name.
As Advisers - we've spent years understanding the specifics of each policy, with each insurer. This is to benefit YOU. To ensure we can match you with the very best covers, to suit your specific situation. And that work ensures you have NO bad surprises at claim time.
***When using an Adviser, your claim outcome will often be superior
