A Study on Beneficiaries’ Attitude towards Mediclaim Insurance in Madurai City

Mediclaim insurance is a vital component of financial planning, offering individuals protection against unforeseen medical expenses. However, beneficiaries often face challenges such as complex claim processes, lack of transparency, and limited customer support, which affect their overall satisfaction and trust in insurance providers. The advent of Artificial Intelligence (AI) presents an opportunity to revolutionize the Mediclaim insurance landscape, addressing these issues through automation, personalization, and enhanced service delivery. This study explores beneficiaries’ attitudes toward Mediclaim insurance, with a specific focus on the transformative role of AI in shaping their experiences. It examines key factors influencing beneficiary perceptions, including ease of policy access, claim settlement efficiency, and trust in AI-driven processes. The research highlights how AI-powered tools such as automated claim verification, chatbots for customer support, predictive risk analytics, and fraud detection systems contribute to improving service quality and operational efficiency. The findings of this study reveal that while AI significantly enhances the operational aspects of Mediclaim insurance, its acceptance among beneficiaries varies depending on factors such as technological awareness, trust in automation, and perceived reliability. This research underscores the potential of AI to transform Mediclaim insurance into a more user-friendly and efficient service, fostering greater adoption and beneficiary satisfaction.