I think even a 0% error rate wouldn’t be ok. Part of the fundamental idea of insurance is that both sided have the opportunity to “profit” from the arrangement over time, consumers because they will actually be able to afford their care, and the insurance company if the consumer turns out to stay healthy for a long time. AI breaks that fundamental design.

Ok but (and correct me if I’m wrong) but aren’t the subtitles crowd sourced? So they are taking user content and then charging for it.