Policy Renewal Reminders, Premium Alerts & Claims Updates via WhatsApp & SMS for Insurers in India
Reduce lapsed policies, automate renewal reminders, send claim status updates and speed up e-KYC nudges — across SMS, WhatsApp Business API and Voice for life, health and motor insurers.
- Quote-to-policy nudge — Drip campaign across WhatsApp + SMS to convert generated quotes into bound policies.
- Renewal reminders — Pre-due, due, and grace-period reminders across multiple channels.
- Claims status updates — Lifecycle messages for claim received, document required, surveyor assigned, settlement done.
- KYC & document collection — WhatsApp-driven document upload to complete e-KYC without portal logins.
Indian insurance — life, general, health, motor — is a long-cycle, low-frequency, high-trust product. The communication layer is part of the experience: a missed renewal reminder is a lapsed customer, a confused claim status is an angry customer, an unclear KYC nudge is a stuck onboarding. Ojiva AI gives insurers, brokers, web aggregators, MGAs and bancassurance partners a single multi-channel platform for every policy-lifecycle touchpoint — quote follow-up, e-KYC nudges, policy issuance, premium reminders, renewal cadence, claim status updates and post-claim NPS. Templates are designed to carry the disclosures that regulated insurance communication requires, and per-product / per-channel separation keeps the audit story clean.
What Insurance teams tell us they struggle with
Renewal lapse that compounds across the book
A missed renewal reminder is a lapsed policy. Multiplied across a large book, lapse hurts retention, embedded value and the next year's sales target. The right reminder cadence is one of the cheapest retention levers available.
Claims communication that customers struggle to follow
Customers want clarity at every step of a claim — claim received, document required, surveyor assigned, settlement done. Manual phone-call updates don't scale, and silence between steps causes calls to come into the contact centre.
Compliance and disclosure that has to be perfect
Templates need to carry mandated disclosures, opt-outs and consent — every single time, in the right format. Errors here are not cosmetic; they're regulator-visible.
Premium reminders, policy issuance & renewal alerts via DLT Bulk SMS
Default rail for transactional policy traffic — premium due / received, policy issued, KYC OTP, claim status. DLT-registered with insurance-specific template support.
- Quote-to-policy nudge
- Renewal reminders
- Claims status updates
Two-way WhatsApp for claim status, KYC completion & policy renewal
Where richer interactions live — quote-follow-up drips, e-KYC document collection through WhatsApp media, claims-status chatbot, post-claim NPS.
- KYC & document collection
- Premium reminders & receipts
- Cross-sell on policy events
Verified branded RCS messaging for insurance policy communication
For supported devices, RCS adds verified insurer brand and rich card layout for premium policies, renewal offers and certificate delivery.
- Send renewal reminders before, not after
- Use WhatsApp for KYC document upload
- Surface every claim-status change in real time
Key workflows for Insurance teams
Each workflow ships in days — no custom dev needed. Use no-code flows, the visual builder, or REST API.
Quote-to-policy nudge
Drip campaign across WhatsApp + SMS to convert generated quotes into bound policies. Right-channel-right-moment cadence outperforms a generic "still interested" call from the agent.
Renewal reminders
Pre-due, due, and grace-period reminders across multiple channels. Per-policy customisation by line-of-business — health renewals look different from motor renewals.
Claims status updates
Lifecycle messages for claim received, document required, surveyor assigned, settlement done. Customer always knows where they are; contact-centre call volume drops.
KYC & document collection
WhatsApp-driven document upload to complete e-KYC without portal logins. Surveyor reports, medical reports and proof-of-income docs all flow back over WhatsApp media.
Premium reminders & receipts
Pre-due, due-day and post-due-date reminder cascade with payment links inside the message. Receipts go out immediately on payment.
Cross-sell on policy events
Birthday upgrades, life-event-triggered offers, post-claim winback, and family-policy add-ons — all timed to events that matter, not generic promotional bursts.
Why Insurance teams choose Ojiva AI
The results that move the needle — across SMS, WhatsApp, RCS and Voice.
Higher renewal retention
Multi-touch renewal reminder cadences across SMS and WhatsApp lift renewal rates compared to single-channel reminders.
Faster e-KYC and document collection
WhatsApp document upload closes onboarding loops faster than email or portal upload, especially for less tech-fluent customers.
Lower contact-centre load on claims
Proactive lifecycle status updates remove the most common inbound query — "what's the status of my claim?".
Better cross-sell conversion
Event-triggered cross-sell on real-life moments (birthday, life event, claim-completion) outperforms generic offer broadcasts.
Cleaner regulator audit story
Per-template approval records, per-message delivery logs and per-customer consent state make audits a query, not a fire-drill.
Templates can carry the disclosures that regulated insurance communication requires. DLT registration and opt-out workflows enforced.
Insurance communication has to balance two regulators — TRAI for the messaging layer (DLT, sender IDs, opt-outs) and IRDAI for the content (disclosures, distance-marketing rules, customer-consent rules). Ojiva AI handles both: DLT registration covers transactional and promotional templates separately, opt-outs are honoured, and templates are designed to carry the disclosures IRDAI expects. Per-template audit logs make regulator-response queries tractable. For insurers running multiple lines of business under one parent organisation, per-LOB DLT registration and template separation are handled as part of onboarding.
Insurance — Frequently asked questions
Common questions from insurance teams evaluating Ojiva AI.
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