AI Agents for Insurance

AI Agents for Insurance India

XPndAI builds AI agents that handle the 80% of insurance operations that are repetitive — renewal reminders, claims intake, document processing, customer queries — so your team focuses on complex cases and relationships.

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35%Renewal rate lift
₹2Per renewal call
80%Claims docs automated
FixedPrice per project

AI Agents XPndAI Builds for Insurance

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Policy Renewal Voice Agent

Outbound calls to expiring policyholders — reminds, quotes renewal premium, handles objections, sends payment link on WhatsApp. ₹2/call vs ₹100 agent cost.

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Claims Intake AI

Customer reports a claim via WhatsApp or portal. AI collects claim details, required documents, and initiates the claims workflow — no call centre needed.

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Claims Document Processor

Reads hospital bills, accident reports, medical claim forms — extracts structured data, validates against policy terms, flags anomalies for adjuster review.

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Insurance Fraud Detection

AI analyses claim patterns — billing anomalies, provider patterns, claim frequency — and flags suspected fraud before payout. Reduces fraudulent claims by 25–35%.

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Customer Support AI

Policy status, premium due dates, claim status, coverage queries — handled by AI on WhatsApp and chat, 24/7. Human agents handle complaints and complex queries.

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Lead Qualification Agent

Inbound insurance inquiries qualified by AI — coverage type, insured value, age, health status — routed to the right product and agent.

How XPndAI Delivers

Fixed price · 4–6 weeks · You own all code

Step 1

Policy & Compliance Review

We review IRDAI guidelines relevant to automated communication and claims processing before designing any workflow.

Step 2

Agent Design & Script Approval

Renewal scripts, claims scripts, and support flows are documented and approved by your compliance team before build.

Step 3

Integration Build

Agents integrated with your policy management system, claims system, WhatsApp Business API, and payment gateway.

Step 4

Monitored Go-Live

2-week supervised rollout with daily reporting. Full handover after quality benchmarks are met.

Pricing

Fixed price. No monthly fees. No per-usage billing.

Single Agent
₹6–12L
One workflow (e.g., renewal agent)
Insurance AI Suite
₹20–45L
Renewal + Claims + Support agents
Enterprise
₹50L+
Full insurance ops automation

Frequently Asked Questions

Are the AI renewal calls IRDAI-compliant?

XPndAI builds renewal communication flows following IRDAI's guidelines on automated customer outreach — proper identification, mandatory disclosures, opt-out handling, and call recording archiving. Your compliance team reviews and signs off on the call script and disclosure language before go-live.

Can the AI process health insurance claims documents?

Yes. XPndAI builds claims document AI that reads hospital discharge summaries, bills, diagnostic reports, and prescription records — extracting amounts, diagnosis codes, procedure codes, and provider details. The system validates against policy terms and flags claims that require adjuster review.

Which insurance lines does XPndAI support?

Motor, health, term life, home, commercial, and travel insurance lines. The AI is configured differently for each line since claim types, renewal patterns, and document requirements differ significantly.

Does the claims intake AI need a mobile app for customers?

No. The claims intake works via WhatsApp — the customer sends a message, the AI asks for details and documents, and the customer uploads photos of damaged vehicle, hospital bills, or other evidence directly in WhatsApp. No app install required.

Automate insurance renewal and claims intake.

Free 30-min call. Fixed price proposal in 24 hours.

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