<h1>Digital health insurance platforms reshape sales, claims, data privacy, AI transparency, and consumer protections in online coverage</h1> Digital platforms are transforming health insurance distribution and claims management by enabling online comparison, purchase, and paperless claims with cashless hospital access and real-time tracking. Insurers are marketing broader coverage (pre/post-hospitalization, maternity, mental health, preventive care) and targeting younger buyers who benefit from lower premiums and early enrollment. Legally relevant issues include contract formation and disclosures in digital sales, claims handling and timeliness obligations, consumer protection against misleading comparisons, and data-privacy/security for health information. Emerging features such as AI recommendations and instant approvals raise regulatory and liability questions around algorithmic transparency, fairness, and auditability.