Development and Pilot Validation of ABHA-O-SHINE: An AI-Ready Oral Health Risk and Insurance Prediction Framework within the Ayushman Bharat Digital Ecosystem

Background: Oral health remains inadequately integrated within the Ayushman Bharat Digital Mission (ABDM), particularly in terms of structured risk assessment and its linkage to insurance-based decision-making. There is a growing need for scalable models that can connect clinical oral health data with digital health systems and support future artificial intelligence (AI)-driven applications. Aim: To develop and pilot test the ABHA-O-SHINE framework for oral health risk prediction and insurance prioritization, with a future scope for AI integration within the Ayushman Bharat Health Account (ABHA) ecosystem. Materials and Methods: A cross-sectional pilot study was conducted among 126 participants attending the outpatient department of Swargiya Dadasaheb Kalmegh Smruti Dental College and Hospital, Nagpur. Participants were selected based on predefined inclusion and exclusion criteria. Data collection included a structured questionnaire and clinical examination using the WHO Oral Health Assessment Form (2013). A composite risk score (0 to 14) was developed incorporating behavioral and clinical parameters. Participants were categorized into low, moderate, and high-risk groups, and corresponding insurance priority levels were assigned. Statistical analysis included descriptive statistics, Chi-square test, Spearman correlation, and binary logistic regression. Results: The majority of participants were categorized under moderate to high-risk groups. Tobacco use showed a statistically significant association with higher risk levels (p less than 0.05). Positive correlations were observed between total risk score and clinical indicators such as DMFT and CPI. Logistic regression analysis identified tobacco use and clinical scores as significant predictors of high-risk categorization. Conclusion: The ABHA-O-SHINE framework demonstrates feasibility in integrating oral health risk assessment with an insurance prioritization model. The framework is designed to be AI-compatible, enabling future automation through machine learning and image-based analysis within the ABDM ecosystem. Keywords: ABHA, ABDM, Oral Health, Risk Assessment, Insurance, Artificial Intelligence.