镁信健康副总裁瞿育绮：AI智能体是医疗支付破局关键

Core Insights - The "AI + Healthcare" transformation is a central theme at WAIC 2025, indicating a shift from technical competition to addressing real-world pain points in the healthcare sector [1] - The focus of AI in healthcare is moving towards solving issues like medication accessibility and complex insurance claims, rather than just enhancing model capabilities [1] Group 1: AI Integration in Healthcare - AI's competitive focus is shifting towards scene penetration rates, emphasizing the need for deep engagement in specific healthcare scenarios [1] - The collaboration of intelligent agents is essential, as single agents cannot address the entire healthcare chain effectively [1] - A data-driven model transformation is underway, moving health insurance from "post-event claims" to "prevention and intervention" [1] Group 2: AI Agent Application - The application of AI agents in healthcare payment scenarios is more stringent due to the complexities of medical expertise, insurance intricacies, and regulatory compliance [2] - Platform companies' capabilities in data accumulation, scenario insights, and technology integration are crucial for developing professional, collaborative, and compliant AI agents [2] - The AI agent matrix at the company includes a full-link layout: front-end interaction with Xiaofu, mid-platform decision-making with ClaimMaster, and back-end resource scheduling [2] Group 3: Future Competitiveness - The future competitiveness of AI companies will depend on their ability to demonstrate irreplaceability in the "efficiency improvement - cost optimization - ecosystem win-win" chain [3] - The realization of the WAIC vision of "intelligent collaboration" requires technology to be rooted in real-world scenarios and serve human needs [3]