🩺 HealthcareOutbound
Renewal · Hindi
Explains a health policy renewal and records the reply.
1:28
INSURANCE Insurance renewal call scripts
Insurance renewal call scripts in Hindi and English
Renewals are lost quietly when nobody calls in time. These scripts remind policyholders before the due date, win back lapsed policies and introduce new plans, in Hinglish, Hindi, Gujarati and English, with advice left to a licensed advisor.
- Renewal reminders
- Lapsed policy win-back
- Advisor hand-over
Script 1
Renewal reminder
Call 15 to 30 days before the due date, then again a few days before.
Caller: Namaste [Name] ji, main [Business name] se bol rahi hoon. Aapki [Policy name] policy [Date] ko renew honi hai. Bas yaad dilana tha.
Customer: Achha, kitna premium hai?
Caller: Aapka renewal premium [Price] hai. Kya aap isi plan ko continue karna chahenge?
Customer: Haan, par cover badhana tha.
Caller: Bilkul. Cover ke options ke liye main aapko hamare advisor se abhi connect kar doon?
Customer: Haan, connect kar do.
Caller: Ek second, advisor se connect kar rahi hoon.
Caller: नमस्ते [Name] जी, मैं [Business name] से बोल रही हूँ। आपकी [Policy name] पॉलिसी [Date] को रिन्यू होनी है। बस याद दिलाना था।
ग्राहक: अच्छा, प्रीमियम कितना है?
Caller: आपका रिन्यूअल प्रीमियम [Price] है। क्या आप इसी प्लान को जारी रखना चाहेंगे?
ग्राहक: हाँ, पर कवर बढ़ाना था।
Caller: बिल्कुल। कवर के विकल्पों के लिए क्या मैं आपको हमारे सलाहकार से अभी जोड़ दूँ?
ग्राहक: हाँ, जोड़ दीजिए।
Caller: एक सेकंड, सलाहकार से जोड़ रही हूँ।
Caller: નમસ્તે [Name]જી, હું [Business name] માંથી બોલી રહી છું. તમારી [Policy name] પોલિસી [Date] ના રોજ રિન્યૂ થવાની છે. બસ યાદ અપાવવું હતું.
ગ્રાહક: સારું, પ્રીમિયમ કેટલું છે?
Caller: તમારું રિન્યૂઅલ પ્રીમિયમ [Price] છે. શું તમે આ જ પ્લાન ચાલુ રાખવા માંગો છો?
ગ્રાહક: હા, પણ કવર વધારવું છે.
Caller: ચોક્કસ. કવરના વિકલ્પો માટે હું તમને અમારા સલાહકાર સાથે અત્યારે જોડી દઉં?
ગ્રાહક: હા, જોડી દો.
Caller: એક સેકન્ડ, સલાહકાર સાથે જોડી રહી છું.
Caller: Hello [Name], this is [Business name]. Your [Policy name] policy is due for renewal on [Date]. Just a reminder.
Customer: Okay, what is the premium?
Caller: Your renewal premium is [Price]. Would you like to continue with the same plan?
Customer: Yes, but I wanted more cover.
Caller: Sure. Shall I connect you to our advisor now to go through the cover options?
Customer: Yes, please.
Caller: One moment, connecting you to the advisor.
Words in [brackets] are placeholders. Works for a human telecaller or an AI voice agent.
Script 2
Winning back a lapsed policy
For policies past their due date. Be helpful, not pushy, and hand over to an advisor.
Caller: Namaste [Name] ji, main [Business name] se bol rahi hoon. Aapki [Policy name] policy [Date] ko due thi aur abhi renew nahi hui hai. Kya koi dikkat aayi?
Customer: Haan, time nahi mila.
Caller: Samajh sakti hoon. Kya main advisor se aapki call set kar doon jo batayenge ki policy ab kaise renew ho sakti hai?
Customer: Theek hai.
Caller: Aaj shaam ya kal subah, kab theek rahega?
Caller: Hello [Name], this is [Business name]. Your [Policy name] policy was due on [Date] and has not been renewed yet. Was there a problem?
Customer: I just did not get time.
Caller: I understand. Shall I set up a call with an advisor who can explain how to renew it now?
Customer: Okay.
Caller: Would this evening or tomorrow morning suit you?
Words in [brackets] are placeholders. Works for a human telecaller or an AI voice agent.
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Script 3
Introducing a new plan to an existing customer
Cross-sell to people who already trust you. Information only; the advisor handles the details.
Caller: Namaste [Name] ji, main [Business name] se bol rahi hoon. Aap hamare [Policy name] customer hain, thank you! Hamare paas [New plan] bhi hai, kya aap iske baare mein sunna chahenge?
Customer: Haan, short mein bataiye.
Caller: [New plan] mein [Benefit] milta hai. Details aur aapke liye sahi option ke liye advisor se baat karwa doon?
Caller (agar mana karein): Koi baat nahi, dhanyavaad. Aapki current policy ke liye hum hamesha available hain.
Caller: Hello [Name], this is [Business name]. Thank you for being a [Policy name] customer! We also offer [New plan]. Would you like to hear about it?
Customer: Briefly, yes.
Caller: [New plan] gives you [Benefit]. Shall I connect you to an advisor for the details and the right option for you?
Caller (if not interested): No problem, thank you. We are always here for your current policy.
Words in [brackets] are placeholders. Works for a human telecaller or an AI voice agent.
Objection handling
Insurance objections, answered
| Hinglish reply | English reply | |
|---|---|---|
| "Premium zyada hai" | Samajh sakti hoon. Advisor aapko payment ke options aur sahi cover samjha sakte hain. Call set kar doon? | I understand. An advisor can explain payment options and the right cover. Shall I set up a call? |
| "Dusri company ki policy le li" | Theek hai. Kya main aapka record update kar doon? Agar kabhi compare karna ho to batayein. | Okay. Shall I update your record? Do get in touch if you want to compare later. |
| "Baad mein renew karunga" | Bilkul. Due date [Date] hai. Kya main [Date] se do din pehle phir yaad dila doon? | Sure. The due date is [Date]. Shall I remind you two days before? |
| "Claim ka experience achha nahi tha" | Sorry ki aapko takleef hui. Main ise note kar rahi hoon aur senior advisor se aapki baat karwa deti hoon. | Sorry you had a bad experience. I am noting it and will connect you to a senior advisor. |
| "Mujhe call mat karo" | Bilkul, main aapka number list se hata deti hoon. Dhanyavaad. | Of course, I will remove your number from the list. Thank you. |
Before you call
Renewal calling checklist
- Right policy, right datePull the policy name, due date and premium from your system before the call.
- No advice in the scriptReminders and information only. Cover advice goes to a licensed advisor.
- Two reminder calls15 to 30 days before the due date, and a few days before.
- A clear transfer ruleAnyone who wants to change cover or has a complaint goes to a person.
- Every call recordedKeep recordings and summaries for quality and compliance reviews.
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Compliance
Calling customers responsibly
Is AI calling legal in India?
AI calling is used legally in India when it follows the same rules as any business calling: TRAI's telemarketing regulations, respect for the DND (Do Not Disturb) registry, permitted calling hours and a clear way to opt out.
- Use opt-in or responsibly sourced data, ideally people who enquired with you.
- Call within permitted hours. We schedule campaigns generally between 9 AM and 8 PM.
- Honour opt-outs: when someone says "don't call me", the agent ends politely and the number is skipped in future campaigns.
This is general guidance, not legal advice. Compliance depends on your campaign intent and your data.
Inside the script
- Say who is calling and why in the first line.
- Do not promise returns, guarantees or prices that are not final.
- Every "no" ends the call politely; "don't call me" goes to your opt-out list.
- Medical, legal or financial advice is for a qualified person on your team.
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By policy type
Motor, health and life renewals are different calls
The urgency and the right message change with the policy. Check the exact terms in the customer's policy wording before you call.
| What happens if it is late | What the call should stress | |
|---|---|---|
| Motor insurance | No grace period. Driving without cover is illegal, a lapsed policy may need a vehicle inspection, and the no-claim bonus is usually lost if not renewed within 90 days of expiry | Renew before the due date, keep the no-claim bonus, ask about add-ons like zero depreciation only if the customer wants them |
| Health insurance | A grace period applies (commonly 30 days, 15 for monthly instalments). Missing it can mean losing waiting-period credit built up over the years | Continuity: years of waiting-period credit are kept only if the policy renews without a break |
| Term and life insurance | A grace period applies (commonly 30 days, 15 for monthly mode). After it, the policy lapses and revival can need medicals and back premiums | The family's cover, and how easy it is to pay now compared with reviving later |
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FAQ
Insurance call scripts: common questions
01What is a good insurance renewal call script?
Name the business and the policy, give the due date and premium, ask whether they want to continue, and hand anyone who wants changes to an advisor.
02When should renewal reminder calls be made?
About 15 to 30 days before the due date, with a second reminder a few days before.
03Is there an insurance calling script in Hindi?
Yes. Script 1 is in Hindi, Hinglish, Gujarati and English; scripts 2 and 3 are in Hinglish and English.
04Can I use the same script for different types of insurance?
The flow is the same; change the policy name, due date, premium and benefits for each product.
05Can an AI agent make insurance renewal calls?
Yes. Troika's AI agent makes reminder calls on schedule, records each reply and transfers customers who want help to your advisors. AI calling for insurance.
06What happens if a motor insurance policy is not renewed on time?
There is no grace period, so the vehicle is uninsured from the day after expiry. The insurer may ask for an inspection before renewing, and the no-claim bonus is usually lost if the policy is not renewed within 90 days of expiry.
Explore
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