INDUSTRY · Insurance

AI calling for insurance — renewal reminders, lapse recovery, claim-intimation triage.

30,000 policies renew each month at a typical retail insurer. 22% lapse silently — partly because the renewal call never reaches the customer, partly because agents deprioritise low-premium policies. DigitalCallers calls every policy regardless of premium size at ₹9/call.

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live · call-outcome

KEY METRICS

What teams running DigitalCallers see in Insurance.

6-8pp

Lapse-rate reduction (typical pilot)

100%

Of renewals reached (vs human ~50%)

₹9

Per call vs ₹150+ for a human renewal agent

IRDAI

Marketing-rule compliance built-in

USE CASES

Five conversations DigitalCallers handles for you in Insurance.

Renewal reminder

15 days before due, 7 days before, 1 day before — graduated touch. Drops lapse rate 6–8pp.

Lapse-recovery call

Policy lapsed → AI calls within 48 hrs. Captures reason, offers payment-link or grace-period revival.

Claim-intimation triage

Customer intimates claim → AI captures incident details, schedules surveyor visit, sends document checklist via WhatsApp.

Cross-sell on health/term/motor

Existing motor-policy customer → AI calls about complementary health/term policy with the right disclosures.

Policy-document confirmation

After issuance → AI confirms the customer received the policy, walks through the cover summary, captures questions.

FEATURES THAT MATTER HERE

Built for the way Insurance actually operates in India.

IRDAI banned-phrase compliance

'Guaranteed returns', 'tax-free maturity', 'no medicals' — caught real-time. Mis-selling audit on every call.

Cross-sell disclosure handling

When the agent introduces a new product, the required disclosures are read in the call language. Compliance officer reviews flagged calls.

Multi-policy customer recognition

Knows the customer has motor + health + term. Calls about the right policy. Doesn't mix them up.

Surveyor-appointment booking

For motor / property claims — books the surveyor visit in-call, sends WhatsApp confirmation.

Recording retention per IRDAI norms

Standard 3-year retention with stereo-Opus compression (95% smaller). PII redaction for compliance review.

COMMON QUESTIONS

FAQs from Insurance.

Is this IRDAI-compliant for renewal calling?

Yes for the renewal-reminder portion. The agent doesn't sell on the call — just reminds, takes payment instruction, offers grace-period info. Cross-sell requires the standard IRDAI disclosures which the agent reads in the call language. We co-build the compliance script with your compliance officer before go-live.

Can it handle motor-claim intimation?

Yes — the agent captures incident details, asks the 12 standard motor-claim questions, schedules the surveyor visit. Doesn't make claim decisions. Hands off to your claims-handling team via webhook.

Health-insurance pre-existing-disease conversations?

Out of scope by design — PED disclosure has to go through your trained agents, not AI. The agent will confirm the appointment and route the conversation to a human for the medical-history portion.

Hindi-English with insurance-specific jargon?

Yes — 'sum assured', 'rider', 'lapse', 'grace period', 'maturity' — all standard. The voice persona is Educator (Anjali) — soft, explanatory, not pushy.