How does the AI know which customers to call first?

The system ingests your expiry list and sorts by days-to-expiry, prior claim history, premium value, and past-renewal pattern. Higher-value and higher-risk policies get earlier cadence. You configure the priority weights in the dashboard.

What if the customer wants to negotiate the premium?

The AI detects price push-back and warm-transfers to a live agent with the full context (current premium, prior renewals, claim history, competitor quotes if available). Your agent picks up a live call with no re-introduction needed.

Is it IRDAI compliant?

Yes. Calls follow TRAI DND scrubbing, time-of-day restrictions, consent capture, and full recording. Recordings and transcripts are retained per IRDAI regulations (5+ years) and indexed against the policy ID for audit.

Does the payment link work for all Indian payment methods?

Yes. The WhatsApp payment link supports UPI (PhonePe, GPay, Paytm, BHIM), debit/credit cards, and net banking via your payment gateway. Once paid, the policy is marked renewed and the certificate is delivered on WhatsApp automatically.

How does it handle regional languages?

The AI speaks Hindi, Hinglish, Tamil, Telugu, Kannada, Malayalam, Marathi, Bengali, Gujarati, Punjabi, Odia, and Assamese with native-quality TTS. Language is picked from customer data or detected from the first customer utterance.

AI calls every expiring policy, only transfers serious renewals

AI outbound calls every expiring motor insurance policy in 12 Indian languages. Captures intent, sends WhatsApp payment link, warm-transfers negotiations. IRDAI compliant, TRAI DND scrubbed.