Connected across the renewal window after multi-attempt redials.
Industries · BFSI · General insurance
The renewal that closes on the call, and the policy that never lapses.
General insurance is won in a narrow renewal window and kept through a fair claim. Oriserve reaches every policyholder across that window, quotes the real policy from your system, takes the payment in-conversation, and puts a person on the calls that need judgement.
Renewal window · liveSimulation
conversations0handled by AI0to a person0
handled by AIto a person
"Most policies do not lapse from a decision. They lapse from a call nobody made in time."The general-insurance doctrine · reach the window, close the loop
Why general insurance leaks premium
The quote that went cold and the renewal nobody called are the same lost premium, twice.
New-business enquiries decay in hours and the renewal window is narrow and well-defined; human tele-calling cannot cover either at scale, consistently, across languages, so premium leaks at both ends.
One platform works the whole policy lifecycle, grounded on your live policy data so it quotes the real premium and never an invented one, closes the payment on the call, and hands claims-adjacent and distressed calls to a person.
The customer lifecycle
Six stages, each mapped to a motion we run.
From the quote to the renewal, the same brain runs the policy relationship, grounded on your data, and each stage maps to a solution.
Acquire
The quote request, worked at once
New-business enquiries engaged the minute they land, coverage need understood, serious buyers routed to an advisor while intent is high.
Moves: quote-to-advisor rateLead qualification →Issue
Onboarded and understood
Policy issuance follow-ups, welcome-and-verify, and a clear explainer of cover, so the policyholder starts informed, not confused.
Moves: issuance completionOnboarding & support →Serve
Endorsements & claims-adjacent
Endorsements, cover questions and claims-status calls resolved end to end; the emotional and complex ones handed to a person with context.
Moves: servicing cost, CSATCustomer support →Collect
Premium, taken on the call
Instalment and due-premium reminders with the payment closed in-conversation, so a missed instalment does not become a lapse.
Moves: on-time premiumCollections →Retain
Lapse, caught early
Policyholders drifting toward non-renewal engaged before the grace period closes, the barrier surfaced, the policy kept in force.
Moves: lapse rateRetention →Renew
Motor & health, closed on the call
The core: reach across the window, quote the real policy, handle the objection, take the payment, work the lapsed book, add the relevant cover only after renewal.
Moves: renewal rateRenewals →Across the book
Every line of general insurance, one platform.
Motor, health, property and commercial run on the same platform with one memory of the policyholder, grounded on your policy data.
Motor · four-wheelerMotor · two-wheelerHealth & top-upHome & propertyTravelCommercial & SMEAdd-ons & riders
Proof
Proven on a real renewal book.
ORI ran outbound four-wheeler renewals for TATA AIG General Insurance across the full window, grounded on live policy data, closing the payment in-conversation. Exact funnel figures are available under NDA; directionally, the programme reached a large share of the book, renewed the majority of connected policyholders, and closed a meaningful portion on the call.
ReachMost of the book
Of those connectedMajority renewed
Persuaded and renewed on the call, in the customer's language.
Closed in-conversationOn the call
Renewed there and then via the voicebot's payment link.
GroundingZero invented figures
Every premium quoted from live data, never a hallucinated number.
Compliance by construction
Every rule that governs an insurance call, enforced in the platform.
IRDAI conduct, disclosures and grounding are built in, and every call is recorded and scored for audit.
IRDAIPolicyholder protection
Renewal, servicing and claims-adjacent conduct per regulation, with notice timelines honoured by the scheduler.
IRDAIMandatory disclosures
Required disclosures and opt-out handling scripted and enforced, with scripts reviewed before go-live.
GroundingSource-of-truth data
Every premium, cover and value quoted from your policy system, so the bot never invents a figure.
TRAI · TCCCPRContact windows & DND
Calling hours, frequency caps and DND checks gate every outbound dial across the window.
DPDP ActConsent & residency
Policyholder data under consent, resident in India, encrypted and access-controlled.
PaymentsPCI-DSS handling
In-call payment links stay inside the standard; card data never lingers in a transcript.
What general-insurance leaders ask before signing
How does the AI quote the right premium?
It reads it from your system on the call. Premium, cover and vehicle or asset value are fetched live, so the AI quotes the real policy and never an invented figure. That grounding is the difference between a renewal engine and a liability.
Can it take the payment, or only remind?
It closes the payment on the call via a link, and logs the outcome back to your CRM with clean attribution.
What about lapsed policies?
They are worked too. A recovery flow re-engages lapsed policyholders through the grace period, completing reinstatement on the call or booking an advisor callback.
How does it handle claims and distressed callers?
They reach a person. Claims-adjacent and emotional calls route to an advisor mid-call with context; the AI handles the routine and hands over when judgement is needed.
What proof exists on books like ours?
Ask for the reference call. We ran four-wheeler outbound renewals for TATA AIG General Insurance end to end, payment closed in-conversation; the full funnel figures are available under NDA.
How is it priced?
Consumption on handled volume, plus a success fee on renewals above your baseline. No seats; the full construct is on the outcome pricing page.
The rest of BFSI
One platform, every regulated book.
The same platform runs life-insurance persistency, bank servicing, NBFC recovery and card revolving, each with its own regulator and its own motion.