Choroidal nevi are common benign pigmented lesions in the eye, with a small risk of transforming into melanoma. Early detection is critical to improving survival rates, but misdiagnosis or delayed diagnosis can lead to poor outcomes. Despite advancements in AI-based image analysis, diagnosing choroidal nevi in colour fundus images remains challenging, particularly for clinicians without specialized expertise. Existing datasets often suffer from low resolution and inconsistent labelling, limiting the effectiveness of segmentation models. This paper addresses the challenge of achieving precise segmentation of fundus lesions, a critical step toward developing robust diagnostic tools. While deep learning models like U-Net have demonstrated effectiveness, their accuracy heavily depends on the quality and quantity of annotated data. Previous mathematical/clustering segmentation methods, though accurate, required extensive human input, making them impractical for medical applications. This paper proposes a novel approach that combines mathematical/clustering segmentation models with insights from U-Net, leveraging the strengths of both methods. This hybrid model improves accuracy, reduces the need for large-scale training data, and achieves significant performance gains on high-resolution fundus images. The proposed model achieves a Dice coefficient of 89.7% and an IoU of 80.01% on 1024*1024 fundus images, outperforming the Attention U-Net model, which achieved 51.3% and 34.2%, respectively. It also demonstrated better generalizability on external datasets. This work forms a part of a broader effort to develop a decision support system for choroidal nevus diagnosis, with potential applications in automated lesion annotation to enhance the speed and accuracy of diagnosis and monitoring.