diff --git a/crates/erp-ai/src/event/copilot_consumer.rs b/crates/erp-ai/src/event/copilot_consumer.rs
new file mode 100644
index 0000000..8f750e4
--- /dev/null
+++ b/crates/erp-ai/src/event/copilot_consumer.rs
@@ -0,0 +1,85 @@
+//! Copilot 事件消费者 — 订阅 health 模块事件，触发风险评分刷新
+
+/// Copilot 关注的事件前缀
+pub fn copilot_event_prefixes() -> Vec<String> {
+    vec![
+        "daily_monitoring.".to_string(),
+        "lab_report.".to_string(),
+        "follow_up.".to_string(),
+        "patient.".to_string(),
+    ]
+}
+
+/// 判断事件是否应触发风险评分刷新
+pub fn should_trigger_risk_refresh(event_type: &str) -> bool {
+    matches!(
+        event_type,
+        "daily_monitoring.created"
+            | "lab_report.reviewed"
+            | "follow_up.completed"
+            | "follow_up.overdue"
+            | "patient.created"
+    )
+}
+
+/// 启动 Copilot 事件消费者
+pub fn spawn(
+    db: &sea_orm::DatabaseConnection,
+    event_bus: &erp_core::events::EventBus,
+) -> Vec<erp_core::events::SubscriptionHandle> {
+    let mut handles = Vec::new();
+    for prefix in copilot_event_prefixes() {
+        let (mut rx, handle) = event_bus.subscribe_filtered(prefix);
+        handles.push(handle);
+        let db = db.clone();
+        tokio::spawn(async move {
+            while let Some(event) = rx.recv().await {
+                if should_trigger_risk_refresh(&event.event_type) {
+                    process_event(&db, &event).await;
+                }
+            }
+        });
+    }
+    handles
+}
+
+async fn process_event(db: &sea_orm::DatabaseConnection, event: &erp_core::events::DomainEvent) {
+    if erp_core::events::is_event_processed(db, event.id, "copilot_consumer")
+        .await
+        .unwrap_or(false)
+    {
+        return;
+    }
+    let tenant_id = event.tenant_id;
+    let patient_id = match event.payload.get("patient_id").and_then(|v| v.as_str()) {
+        Some(id) => match uuid::Uuid::parse_str(id) {
+            Ok(uid) => uid,
+            Err(_) => return,
+        },
+        None => return,
+    };
+    let _ =
+        crate::service::risk_service::RiskService::compute_risk(db, tenant_id, patient_id).await;
+    let _ = erp_core::events::mark_event_processed(db, event.id, "copilot_consumer").await;
+}
+
+#[cfg(test)]
+mod tests {
+    use super::*;
+
+    #[test]
+    fn test_event_prefixes_include_health_events() {
+        let prefixes = copilot_event_prefixes();
+        assert!(prefixes.contains(&"daily_monitoring.".to_string()));
+        assert!(prefixes.contains(&"lab_report.".to_string()));
+        assert!(prefixes.contains(&"follow_up.".to_string()));
+        assert!(prefixes.contains(&"patient.".to_string()));
+    }
+
+    #[test]
+    fn test_should_trigger_risk_refresh_for_vital_signs() {
+        assert!(should_trigger_risk_refresh("daily_monitoring.created"));
+        assert!(should_trigger_risk_refresh("lab_report.reviewed"));
+        assert!(!should_trigger_risk_refresh("patient.updated"));
+    }
+}
diff --git a/crates/erp-ai/src/event/mod.rs b/crates/erp-ai/src/event/mod.rs
new file mode 100644
index 0000000..e96eaee
--- /dev/null
+++ b/crates/erp-ai/src/event/mod.rs
@@ -0,0 +1 @@
+pub mod copilot_consumer;
diff --git a/crates/erp-ai/src/lib.rs b/crates/erp-ai/src/lib.rs
index a4b460f..3dc3728 100644
--- a/crates/erp-ai/src/lib.rs
+++ b/crates/erp-ai/src/lib.rs
@@ -3,6 +3,7 @@ pub mod copilot;
 pub mod dto;
 pub mod entity;
 pub mod error;
+pub mod event;
 pub mod handler;
 pub mod knowledge;
 pub mod module;
diff --git a/crates/erp-ai/src/module.rs b/crates/erp-ai/src/module.rs
index d741efe..08a265b 100644
--- a/crates/erp-ai/src/module.rs
+++ b/crates/erp-ai/src/module.rs
@@ -308,7 +308,14 @@ impl ErpModule for AiModule {
             }
         });
 
-        tracing::info!(module = "ai", "AI 模块事件处理器已注册（监听 ai.* 事件）");
+        // Copilot 事件消费者 — 订阅 health 事件触发风险评分刷新
+        let copilot_handles = crate::event::copilot_consumer::spawn(&ctx.db, &ctx.event_bus);
+        std::mem::forget(copilot_handles);
+
+        tracing::info!(
+            module = "ai",
+            "AI 模块事件处理器已注册（监听 ai.* 事件 + Copilot 事件）"
+        );
         Ok(())
     }
 }