What should I watch out for with AI in the insurance field?

AI systems for underwriting, premium calculation and claims handling fall under the EU AI Act (high risk for life insurance and health-related policies): human oversight, audit logs and explainability are mandatory. The DNB requires insurers to inform customers when AI has decision-making authority. Insurance data contains health and financial information — special category personal data under the GDPR. Only use solutions with a data processing agreement, EU hosting and explainable AI (XAI).

Home / Safety / GLM (Z.ai) for the insurance sector

Z.ai (Zhipu AI)

How safe is GLM (Z.ai) for the insurance sector?

GDPR profile for insuranceCaution

GLM (Z.ai) raises a concrete GDPR concern. Parent company Zhipu (Beijing) is subject to Chinese data and security legislation, regardless of where the servers are located. For sensitive data, self-hosting the MIT-licensed weights is the recommended mitigation. Weigh this heavily before deploying it in the insurance sector.

Where does GLM (Z.ai) stand in the insurance sector?

Shared spot 22 of 28 options for insurance sector (professional tools and general assistants) on GDPR profile. 7 options, like GLM (Z.ai) profile, have a caution. Each tile is an option we track for this field; click for the check.

Strong7

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Good5

Limited7

Unknown2

Caution7

Published safeguards

–EU hosting possibleNot known

–No training on your data (business)Not known

✓Self-hostable (on-premise)Yes

The international service Z.ai runs through JINGSHENG HENGXING TECHNOLOGY PTE. LTD. (Singapore); personal data is in principle processed in Singapore. According to the data processing agreement, API content is processed in real time and not stored. GLM-5.2 is open-weight under MIT and can therefore be fully self-hosted or hosted through an EU provider.

How to use GLM (Z.ai) safely

Use the business variant and sign a data processing agreement (DPA).
Do not enter unnecessary personal data into prompts; anonymise where possible.
Ask the provider explicitly where data is stored and processed.
Keep a professional in the loop: AI systems for underwriting, premium calculation and claims handling fall under the EU AI Act (high risk for life insurance and health-related policies): human oversight, audit logs and explainability are mandatory.

Stronger or equally strong in the insurance sector

OnesuranceOnesurance B.V. (Netherlands)

weDAT (FastTrackAI)VWE Automotive (Heerhugowaard, NL)CClaimHandlerNedDev B.V. (The Hague, Netherlands)

Blinqx Risicomanagement (Finly)Blinqx Verzekering & Hypotheek (Gouda, Netherlands)

InfermedicaInfermedica (Poland/EU)

Latest developments

26 October 2026Cloudflare Workers AI: GLM-5.3 leaked 155 answers between customers

Cloudflare reported that GLM-5.3 on Workers AI (@cf/zai-org/glm-5.3) returned data from other customers' requests in 27 answers between 9 August and 2026 September 155. Only prompts above 681,280 tokens were affected; the cause was a KV cache that was too small in the hosting configuration, not the model itself. Cloudflare found no evidence of misuse and fixed it on 9 September. If you used very long prompts containing personal data via Workers AI in that period, assess whether a data breach has occurred. source

Questions

How safe is GLM (Z.ai) for the insurance sector?: GLM (Z.ai) has a concrete GDPR concern. Parent company Zhipu (Beijing) falls under Chinese data and security legislation, regardless of where the servers are located. For sensitive data, self-hosting the MIT-licensed weights is the recommended mitigation. Weigh this heavily before deploying it in the insurance sector. There is a concrete GDPR concern, read the details on the page.
Does GLM (Z.ai) train on my data?: The international service Z.ai runs through JINGSHENG HENGXING TECHNOLOGY PTE. LTD. (Singapore); personal data is in principle processed in Singapore. According to the data processing agreement, API content is processed in real time and not stored. GLM-5.2 is open-weight under MIT and can therefore be fully self-hosted or hosted through an EU provider.
What should I watch out for with AI in the insurance field?: AI systems for underwriting, premium calculation and claims handling fall under the EU AI Act (high risk for life insurance and health-related policies): human oversight, audit logs and explainability are mandatory. The DNB requires insurers to inform customers when AI has decision-making authority. Insurance data contains health and financial information, special category personal data under the GDPR. Only use solutions with a data processing agreement, EU hosting and explainable AI (XAI).

Source documents

docs.z.ai z.ai docs.z.ai

Everything about GLM (Z.ai) Best AI for the insurance sector

Summarised by the editorial team from provider documentation · not legal advice

Last checked: 1 November 2026 · How we check

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