Adya for insurers
Renewal calls that reach policyholders before the grace period ends
A lapsed policy loses the customer their no-claim bonus and waiting-period credit, and loses you the renewal. Adya reminds policyholders on WhatsApp, calls the ones who haven't renewed before the grace period runs out, and answers claim and policy questions in between.
Renewals slip in the last fortnight
Most policyholders intend to renew. They miss the date because the reminder email went unread and nobody called until the policy had already lapsed.
A sequence that starts on WhatsApp weeks before the due date and escalates to a call inside the grace period catches them while renewal still keeps their benefits intact — without adding agents for renewal season.
What Adya handles for insurers
One agent across phone calls, WhatsApp, website chat and email, with your team one click away.
Renewal reminder sequence
Utility reminders before the due date with the premium and a payment link, stopping once the renewal is paid.
Grace-period calls
Policyholders still unpaid after the due date get an AI call explaining what lapses and when, and offering the link again.
Claim and policy status
Live claim-status and policy lookups through your API, answered on any channel.
Upsell and changes to advisors
Requests to raise cover, add a member or change a nominee go to a licensed advisor with the full conversation.
What a conversation sounds like
An illustrative exchange in Gujarati and Hindi. Adya says it is an AI, follows the caller's language, and writes the outcome back.
- AdyaNamaste, hu Adya chhu, Suraksha Health ni AI sahayak. Tamari family floater policy nu ₹18,600 nu premium 2 November e due hatu.
- PolicyholderHaan, bhool gaya. Abhi bhi renew ho sakta hai?
- AdyaHaan, aapki grace period 2 December tak hai, aur us se pehle renew karne pe aapka no-claim bonus bana rahega. Main payment link WhatsApp pe bhej rahi hoon.
Rules that apply to insurers
Not legal advice — the rules we design around, with the source for each.
IRDAI grace periods[1]
IRDAI's Master Circular on health insurance (29 May 2024) standardised the grace period at 15 days for monthly premiums and 30 days for other modes, with cover during the grace period for instalment payers. Confirm the terms on each policy before you script them.
1600 series for service calls[2]
TRAI mandates the 1600 series for service and transactional calls by entities regulated by IRDAI, RBI, SEBI and PFRDA. Cross-sell calls are promotional and use the 140 series.
Advice stays with licensed people
Adya reminds, explains dates and amounts from the policy record, and answers status questions. Recommending cover or changing a policy is handed to a licensed advisor.
What it costs, worked out
Scenario: 1,000 renewals due a month, each reminded on WhatsApp, with a 2.5-minute call to the 500 who haven't paid by the due date. Prices exclude GST.
Adya, billed by Amomic-AI
- Growth plan (500 min + 1 number included)₹7,999
- 750 call minutes × ₹6₹4,500
Telephony is in the per-minute rate. Chat, WhatsApp and email conversations come from the plan's allowance.
WhatsApp, billed by Meta at its own rates
- 1,000 utility messages × ₹0.115₹115
Adya adds no per-message fee. Meta invoices your WhatsApp Business account directly.
₹12.50 per renewal worked.
See all plansQuestions from insurers
Under IRDAI's 29 May 2024 Master Circular on health insurance, the grace period is 15 days where premiums are paid monthly and 30 days for quarterly, half-yearly and annual premiums. Check each policy's terms.
Yes. Adya calls policyholders who haven't renewed, states the premium and the grace-period date from your records, sends a payment link and hands anything advisory to a licensed person.
TRAI mandates the 1600 series for service and transactional calls by IRDAI-regulated entities to existing customers. Promotional calls use the 140 series.
Yes, through a live lookup to your claims system via API or MCP. The policyholder gets the current status on a call, chat or WhatsApp.
WhatsApp reminders for 1,000 renewals and 2.5-minute calls to 500 of them come to ₹12,499 a month on Adya Growth plus GST — about ₹12.50 per renewal worked.
Sources
Reviewed . Adya prices from our pricing page.
- 1.Moneylife — IRDAI mandates coverage during grace period for health insurance policies (Master Circular, 29 May 2024)
- 2.TRAI — Telecom Commercial Communications Customer Preference (Amendment) Regulations, 12 February 2025
- 3.The Digital Personal Data Protection Act, 2023 (via PRS Legislative Research)
Other industries
Hear Adya answer your own customers
Free plan, no card. Start on website chat today and add WhatsApp and calls when you are ready.