Image of 3 wooden blocks stacked on top of each other that say Gen Z, Millenials (sic), and Boomers. BenefitsPRO. Definition: Hyper-personalization of health benefits is an advanced strategy where health insurance plans and wellness programs use real-time analytics, artificial intelligence (Al), and machine learning to deliver customized coverage, communications, and tools tailored to an individual's unique needs, behaviors, and risks. The benefits landscape is undergoing significant changes driven by demand of a multigenerational workforce. Employees across all generations are financially stressed and expect benefits tailored to their unique needs, preferences, and risks. That has led to hyper-personalization of benefits.