IANAL but I read that as forbidding you to provision legal/medical advice (to others) rather than forbidding you to ask the AI to provision legal/medical advice (to you).

IANAL either, but I read it as using the service to provision medical advice since they only mentioned the service and not anyone else.

I asked the "expert" itself (ChatGPT), and apparently you can ask for medical advice, you just can't use the medical advice without consulting a medical professional:

Here are relevant excerpts from OpenAI’s terms and policies regarding medical advice and similar high-stakes usage:

From the Usage Policies (effective October 29 2025):

“You may not use our services for … provision of tailored advice that requires a license, such as legal or medical advice, without appropriate involvement by a licensed professional.”

Also: “You must not use any Output relating to a person for any purpose that could have a legal or material impact on that person, such as making … medical … decisions about them.”

From the Service Terms:

“Our Services are not intended for use in the diagnosis or treatment of any health condition. You are responsible for complying with applicable laws for any use of our Services in a medical or healthcare context.”

In plain terms, yes—the Terms of Use permit you to ask questions about medical topics, but they clearly state that the service cannot be used for personalized, licensed medical advice or treatment decisions without a qualified professional involved.