Can AI make insurance renewal reminder calls?

Lapses are mostly forgetfulness

Motor, health and term policies lapse for ordinary reasons. The policyholder missed the email, changed phone numbers, or meant to compare quotes and never did. For a health policy, a lapse can mean losing waiting-period credit built up over years. A call at the right time, from someone who knows the policy, prevents much of that.

A renewal sequence

1. 0130 days before expiry: a reminder confirming the policy, premium and due date, with the renewal link on WhatsApp.
2. 027 days before: a follow-up to those who have not paid, asking whether they need help or have questions.
3. 03On or just after the due date: a final reminder during any grace period your product allows.

Each call records an outcome: will renew, renewed elsewhere, wants changes, wants a callback. Your team works only the last two.

IRDAI and the line on advice

Insurance solicitation in India is the work of licensed intermediaries such as agents, POSPs and brokers, regulated by IRDAI. A reminder about an existing policy is service, not advice. The moment a customer asks whether to increase the sum insured, add a rider or switch insurers, the agent should log the question and arrange a callback from a licensed advisor rather than recommend anything.

Running it on Outpero

Campaigns run with calling windows, retries and DND screening and as many calls at a time as you have channels. With the custom API action, the agent can fetch the latest premium for a policy number during the call. Outcomes flow back as a CSV or webhook, ready to update your policy administration system.

Calls are in Hindi, Telugu, Tamil, Kannada, Malayalam, Marathi or English, which matters for motor and health renewals sold through regional agency networks.