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Chatbots for insurance | The rise of automation

Manpreet Kalsi
min read
Chatbots for insurance | The rise of automation

As we know, chatbots come in with a ton of use-cases, covering most sectors of the industries today. And in the recent years, using chatbots for insurance has been gaining quite the popularity.

"But a chatbot for insurance. Really?"

Could a chatbot answer questions on complex policies, handle claims, premium reminders, payments and to make sales, service and support much more effective in insurance? How about downloading insurance policy documents or querying riders? Indeed, you can you can automate these tasks and use chatbots to help your customers select the right insurance and much more!

Currently, a wide variety of chatbots exist across industries, functions, and domains. A bot simplifies complex and time-consuming tasks, without the intervention of humans. There are a lot of generic bots that have a great design but their bot design is still evolving. However, domain-specific bots or good industry bots are few and far between.

A 24×7 intelligent chatbot!

A very exciting prospect in providing a new-age sales, service and customer support channel for you. The leveraging of NLP technologies provides for new interaction channels that are not possible in traditional web or mobile apps. Additionally, chatbots help shorten the bridge from thought to action by providing a conversational and a pinpoint way to cater to customer queries.

How can you use a chatbot for insurance?

Insurance chatbots can assist with on-boarding complaints from consumers and fraudulent claims. This is achieved by simplifying inquiries into work, auto and travel policies. We help to avoid idleness as they can evaluate the customer's collected data quickly in order to figure out the risk associated with their profile.

In addition to being used for insurance, chatbots can handle a number of other functions. For example:

Drive higher sales

Chatbots optimize the response to user queries and reduce time to action, thereby reducing drop-offs. The click and point nature of mobile apps and web reduce down to users asking pinpoint questions of their needs thereby increasing the efficiency of information retrieval and quicker decisions.

Product selection

Bots can also suggest policies and products based on a query-based path because it’s important to capture customer needs.

Lead generation

Many insurers lose the leads that visit their websites and social media sites. A life insurance chatbot have the capability of capturing surrogate identifying information. For instance, name, emails and points of interest from prospects that can act as lead generators.

Answering queries

Any complex policy or product can be explained to the end-users, by the most natural way to seek and absorb information, that by asking someone questions. It’s like having a consistent, intelligent call centre because there’s someone always there to assist you.

Claims processing

Bots are capable of receiving queries and responding to claim processing and status reporting. Moreover, health insurance chatbots can help customers upload pictures and documents supporting the claim to make claims processing seamless.

Premium payments

Customers can be sent alerts on renewals; policy lapses; notifications on due dates, and a lot more status information in an insurance sale or support cycle.

Policy riders and inquiry

Customers don’t have to read lengthy policy documents anymore. So, they can enquire about their specific policy type and riders by asking questions.

Wrapping up

Life can be unpredictable so having insurance is a smart move. Use the ‘bot insure’ template and give your customers better assistance!

At Engati we work with some of the largest insurers on the planet to create an exciting channel for their customers. Therefore, a number of them trust us with their business because we help them create a great customer experience. Moreover, it’s the best way to go about it.

Hence, there is a lot to know and discover about chatbots.

For more about chatbots, register with Engati to schedule a demo with our experts for free!

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