Industry Solutions
Vibrium for Insurance
Transform the entire insurance lifecycle—from lead generation and policy onboarding to renewals, claims, and advisor enablement—with AI that delivers measurable outcomes while ensuring IRDAI compliance and audit-ready operations.
Trusted by 30+ leading enterprises across BFSI, Retail, Healthcare, and Payments
Trusted by 30+ leading enterprises across BFSI, Retail, Healthcare, and Payments
"Trusted by leading health insurance companies, life insurers, and InsureTech platforms. Proven to boost renewal rates by 20%+ within 3 months."
The Challenge
The Insurance Persistency Crisis
The Impact
Measurable Business Impact
20%+
Renewal Rate Increase
Proactive, multilingual outreach before policy expiry with instant payment links via voice and WhatsApp.
40%
Faster Advisor Onboarding
Voice-guided onboarding, compliance verification, and training automation accelerate agent activation.
15-25%
Cross-Sell Conversion Lift
Context-aware recommendations for policy add-ons, riders, and complementary products based on customer profiles.
Digital Workers
Meet Your Insurance Digital Workers
Use Cases
Use Cases Across the Insurance Lifecycle
Acquisition & Lead Management
Lead Qualification & Routing
Voice AI instantly calls digital leads from campaigns, qualifies intent (life, health, motor, term), and routes high-value prospects to the right agents.
Response time ↓, conversion rate ↑, lead quality score ↑
Quote Comparison & Explanation
Automated agents explain policy options, compare coverage features, sum insured, premiums, and generate personalized quotes in real-time multilingual conversations.
Quote-to-sale ratio ↑, handle time ↓, customer clarity ↑
Appointment Booking
AI schedules agent meetings, branch visits, or video consultations based on customer availability and urgency.
Appointment show-up rate ↑, agent utilization ↑, sales cycle ↓
Needs Analysis
Voice AI conducts preliminary needs assessment—family size, income, existing coverage, risk profile—to recommend suitable products.
Product fit score ↑, quote accuracy ↑, customer satisfaction ↑
Onboarding & Policy Activation
KYC & Document Verification
Voice-guided onboarding walks customers through document submission (ID proof, income proof, medical records), verifies identity, and confirms completion.
KYC completion rate ↑, onboarding TAT ↓, drop-off % ↓
Medical Underwriting Support
AI schedules medical tests, confirms appointments, reminds customers of test dates, and tracks report submission.
Test completion rate ↑, underwriting TAT ↓, customer convenience ↑
NACH/Mandate Registration
Stepwise hand-holding on multi-channel journeys (voice → WhatsApp) to secure NACH registration for premium auto-debit.
NACH success rate ↑, payment failure % ↓, persistency ↑
Welcome Calls at Scale
Voice AI ensures every new policyholder receives a personalized welcome, explains key benefits, coverage details, claims process, and builds trust.
Activation rate ↑, early engagement ↑, first-year persistency ↑
Policy Issuance Confirmation
Automated calls confirm policy issuance, share document links via WhatsApp, explain coverage start date, and answer immediate questions.
Policy activation ↑, document access ↑, CSAT ↑
Servicing & Customer Support
24/7 Information Hotline
Voice AI handles policy inquiries—premium due dates, fund value, surrender value, maturity dates, nominee details—in 10+ Indian languages.
FCR ↑, wait time ↓, CSAT ↑
Premium Payment Reminders
Automated nudges before due dates with instant payment link integration on WhatsApp, preventing policy lapses.
Payment success rate ↑, DPD-0 ↑, lapse rate ↓
Policy Modification Requests
AI handles nominee changes, address updates, contact number changes, premium payment mode switches, and beneficiary adjustments.
Service TAT ↓, self-service % ↑, call center load ↓
Loan Against Policy (LAP)
Voice AI explains loan eligibility, calculates available loan amount, guides application submission, and provides approval status updates.
LAP conversion ↑, application TAT ↓, customer awareness ↑
Surrender & Withdrawal Requests
AI captures surrender intent, explains surrender value, tax implications, provides alternatives (policy loans, paid-up options), and processes requests.
Retention rate ↑, informed decisions ↑, surrender TAT ↓
Renewals & Persistency
Proactive Renewal Reminders
Outbound calls 60/30/15 days before policy expiry, explains renewal benefits, offers updated terms, enables instant payment via voice-initiated WhatsApp links.
Renewal % ↑, payment success rate ↑, lapse rate ↓
Dynamic Premium Recalculation
AI recalculates premiums in real-time when customers request add-ons (Zero Depreciation, Critical Illness Rider, Return of Premium).
Quote accuracy ↑, cross-sell conversion ↑, customer trust ↑
Lapsed Policy Revival
Automated outreach to lapsed policyholders explaining revival benefits, eligibility window, required medical tests, and premium arrears.
Revival rate ↑, customer re-engagement ↑, lifetime value ↑
Multi-Year Renewal Incentives
Voice AI explains multi-year discounts, loyalty benefits, and no-claim bonuses to encourage long-term commitments.
Multi-year adoption ↑, persistency ↑, discount redemption ↑
Claims Management
FNOL Capture
Voice AI captures claim details empathetically—incident date, location, description, injuries/damages—and creates claim reference number instantly.
Claim registration time ↓, data accuracy ↑, customer satisfaction ↑
Document Submission Guidance
AI guides policyholders through document requirements (medical bills, police FIR, repair estimates, photos) and tracks submission completeness.
Documentation completeness ↑, resubmission % ↓, processing speed ↑
Claim Status Updates
Proactive voice/WhatsApp updates at each milestone—documents received, under review, adjuster assigned, approved, payment initiated.
Customer inquiry volume ↓, satisfaction ↑, transparency ↑
Claim Settlement Confirmation
Automated calls confirm settlement amount, payment mode, expected credit date, and gather feedback on claims experience.
NPS ↑, dispute rate ↓, satisfaction ↑
Claim Rejection Explanation
Empathetic calls explain rejection reasons, policy exclusions, appeal process, and alternative options.
Complaint escalation ↓, customer understanding ↑, brand trust retention
Cross-Sell, Upsell & Retention
Policy Add-On Recommendations
Intelligent agents identify opportunities to suggest riders (critical illness, accidental death, waiver of premium) based on customer life stage and coverage gaps.
Cross-sell conversion ↑, policy value ↑, customer protection ↑
Product Upgrade Suggestions
AI recommends upgrades from term to ULIP, basic health to comprehensive coverage, or third-party to comprehensive motor insurance.
Upgrade conversion ↑, incremental revenue ↑, wallet share ↑
Event-Triggered Outreach
Birthday, policy anniversary, marriage, childbirth, home purchase trigger personalized calls suggesting additional covers.
Engagement rate ↑, contextual relevance ↑, cross-sell success ↑
Family Floater Expansion
Voice AI suggests adding family members to existing health policies or offering separate plans for aging parents or newborns.
Family coverage ↑, household wallet share ↑, persistency ↑
Loyalty & Retention Campaigns
Proactive calls to high-value customers offering exclusive benefits, policy reviews, free health check-ups, or loyalty discounts.
Retention rate ↑, NPS ↑, churn rate ↓
Advisor & POSP Enablement
Prospecting & Lead Discovery
AI assigns warm leads to advisors, prioritizes follow-ups based on intent signals, automates outreach scheduling.
Response time ↓, active advisor ratio ↑, lead conversion ↑
Onboarding & Certification
Voice-guided onboarding streamlines advisor enrollment, IRDAI compliance verification, exam scheduling, credential activation.
Time-to-activate ↓, completion rate ↑, compliance accuracy ↑
Training & Enablement
Interactive voice-based training modules, product quizzes, compliance updates, objection handling scripts delivered at scale.
Completion % ↑, knowledge retention ↑, exam pass rate ↑
Sales Co-Pilot
AI generates instant quotes, answers product FAQs, calculates premium illustrations, assists with policy servicing—empowering advisors.
Conversion rate ↑, sales volume ↑, advisor productivity ↑
Performance Tracking
Real-time dashboards, gamified leaderboards, voice-based feedback collection drive motivation and continuous improvement.
Advisor satisfaction ↑, attrition rate ↓, top-performer growth ↑
Compliance & Audit
Consent Validation & Recording
AI captures explicit customer consent for data usage, marketing communications, IRDAI disclosures—logged for audit.
Consent capture rate ↑, audit readiness ↑, regulatory compliance ↑
Policy Explanation Compliance
AI ensures all mandatory disclosures (waiting periods, exclusions, claim procedures) are read and acknowledged by customers.
Disclosure compliance ↑, mis-selling risk ↓, audit trail completeness ↑
Call Audit Trails
Every interaction logged with full transcripts, disposition codes, next actions, timestamps for IRDAI regulatory review.
Audit readiness ↑, compliance accuracy ↑, risk mitigation ↑
Fraud Detection Signals
AI detects anomalies (rapid policy churn, inconsistent information, duplicate claims) and flags for human investigation.
Fraud detection rate ↑, false claim % ↓, loss ratio improvement
Deep Dive
Voice AI for Policy Renewals
Renewals represent 85% of insurance revenue, yet manual outreach is inconsistent. Vibrium transforms renewal management with agentic voice AI that proactively engages policyholders at the right moment with the right message.
1
60-Day Pre-Renewal Awareness
AI initiates outreach, explaining benefits and no-claim bonus eligibility.
2
30-Day Offer & Dynamic Recalculation
AI offers add-ons and recalculates premiums dynamically during conversation.
3
15-Day Payment Reminder
Final reminder with instant WhatsApp payment link, explaining grace period.
4
Post-Expiry Lapsed Policy Revival
For lapsed policies, AI guides customers through revival, medicals, and arrears.
Expected Outcomes
Increase in Renewal Rates20%+
Cross-Sell Conversion15-20%
Connect Rates vs Manual3X
Multilingual Coverage10+ Langs
The Difference
Why Vibrium for Insurance
Built for IRDAI Compliance
- IRDAI regulatory alignment: Mandatory disclosure compliance, consent validation, audit trails for all policy transactions.
- Data residency: 100% containerized, on-premise deployments ensure policyholder data never leaves your environment.
- Explainable AI: Full visibility into every recommendation, quote calculation, and decision with audit-ready logs.
- SOC 2 & ISO 27001 aligned: Enterprise-grade security controls, encryption (AES-256), role-based access.
Proven at Scale with Leading Insurers
- Leading health insurance company: Renewals automation deployed for 3 products, targeting 20% renewal rate boost.
- Largest InsureTech platform: Multi-channel embedded journeys (voice + WhatsApp) for renewal flow.
- Large NBFC: Bundled insurance cross-sell for borrowers.
- Leading intermediary (payment company): Insurance cross-sell for merchants upgrading accounts.
Pre-Trained on Insurance Workflows
Vibrium agents understand insurance-specific processes—not just generic scripts.
FNOL captureKYC workflowsPremium calculationsRider benefitsExclusionsGrace periodsSurrender values
Rapid Deployment, Measurable ROI
- Cloud deployment: 3 weeks including CRM/policy admin integrations.
- On-premise deployment: 4–5 weeks.
- ROI: 150–200% within first 3 months.
- Renewals impact: 20%+ improvement in persistency rates.
Platform Capabilities for Insurance
On-Premise Deployment
Proprietary PBX, ASR, TTS ensure policyholder data never leaves your data center.
Multi-channel Orchestration
Seamless integration across voice, WhatsApp, email, SMS for unified customer experience.
Policy Admin Integration
Real-time data fetch (sum insured, premium due dates, claim status) to build C360 profiles.
Dynamic Premium Calculation
Real-time recalculation when customers request add-ons or coverage changes.
NACH/Payment Integration
Secure payment link generation via WhatsApp for instant premium collection.
Real-World Performance
Vibrium is deployed across multiple insurance value chain stakeholders with proven results:
20%+
renewal rate improvement for health insurance clients
40%
faster advisor onboarding with voice-guided training
15-25%
cross-sell conversion lift during renewal and servicing interactions
3X
higher connect rates vs. manual agent calling