How AI Chatbots Can Impact The Insurance Industry
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)
Adding the stress of waiting hours or even days for insurance agents to get back to them, just worsens the situation. A chatbot is always there to assist a policyholder with filling in an FNOL, updating claim details, and tracking claims. It can also facilitate claim validation, evaluation, and settlement so your agents can focus on the complex tasks where human intelligence is more needed. A chatbot for insurance can help consumers file claims, collect information, and guide them through the process.
- Whatfix facilitates carriers in improving operational excellence and creating superior customer experience on your insurance applications.
- Chatbots are available 24/7 and allow companies to upload relevant documents and FAQ questions that are used to answer customer questions and engage them in real-time conversations.
- They can respond to policyholders’ needs while delivering a wealth of extra business benefits.
- Chatbots can also help streamline insurance processes and improve efficiency.
Another example is LAQO, a fully digital insurance company that implemented an AI-powered chatbot, Pavle, on WhatsApp to improve customer service. Now, 30% of queries are handled by the chatbot, of which 90% are resolved within 3 to 5 messages. Recently, DICEUS implemented Vitaminise Chatbot for a car insurance company that wanted to simplify the policy purchase process for its customers and reduce customer support expenses.
Engati offers rich analytics for tracking the performance and also provides a variety of support channels, like live chat. These features are very essential to understand the performance chatbot in insurance of a particular campaign as well as to provide personalized assistance to customers. Engati provides a user-friendly platform that is easily accessible and responsive across all devices.
Insurance Chatbot Use Cases
Quickly provide quotes and pricing, check coverage, claims processing, and handle policy-related issues. Insurance customers are demanding more control and greater value, and insurers need to increase revenue and improve efficiency while keeping costs down. AI chatbots can respond to policyholders’ needs and, at the same time, deliver a wealth of significant business benefits.
A frictionless quotation interaction that informs customers of the coverage terms and how they can reduce the cost of their policy leads to higher retention and conversion rates. The platform offers a comprehensive toolkit for automating insurance processes and customer interactions. Forty-four percent of customers are happy to use chatbots to make insurance claims. Chatbots make it easier to report incidents and keep track of the claim settlement status. In combination with powerful insurance technology, AI chatbots facilitate underwriting, customer support, fraud detection, and various other insurance operations. The Master of Code Global team creates AI solutions on top industry platforms and from scratch.
Thus, customer expectations are apparently in favor of chatbots for insurance customers. Using AI and machine learning, Nauta is trained to respond to queries, offer useful links for further information, and help users to contact a human agent when necessary. It is available 24/7 and can deal with thousands of queries at once, which saves time and reduces costs for DKV.
- In today’s fast-paced, digital-first world of insurance, speed and customer experience are two priority differentiators that watsonx Assistant absolutely delivers on.
- Originally, claim processing and settlement is a very complicated affair that can take over a month to complete.
- This makes sure no customer is left unanswered and allows the customer to connect to a live agent if required, keeping customers satisfied at all times.
- They take the burden off your agents and create an excellent customer experience for your policyholders.
Insurance chatbots can also provide all the supporting details a new customer needs to sign up and proceed with the client onboarding process or help existing policyholders upgrade their plans. AI chatbots act as a guide and let customers keep in control of their buyer journey. They can push promotions in a specific timeframe and recommend or upsell insurance plans by making suitable suggestions at exactly the right moment. This facilitates data collection and activity tracking, as nearly 7 out of 10 consumers say they would share their personal data in exchange for lower prices from insurers. AI chatbots can be fed with information on insurers’ policies and products, as well as common insurance issues, and integrated with various sources (such as an insurance knowledge base). They instantly, reliably, and accurately reply to frequently asked questions, and can proactively reach out at key points.
Therefore, we expect to see more implementation opportunities of chatbots in the insurance industry which are AI driven tools. Insurance companies can also use intelligent automation tools, which combines RPA with AI technologies such as OCR and chatbots for end-to-end process automation. Brokers are institutions that sell insurance policies on behalf of one or multiple insurance companies. At this stage, the insurance company pays the insurance amount to the policyholder.
Developed and deployed in distinguished company
As we move forward, the continuous evolution of chatbot technology promises to enhance the insurance experience further, paving the way for an even more connected and customer-centric future. Claims processing is traditionally a complex and time-consuming aspect of insurance. Chatbots significantly simplify this process by guiding customers through claim filing, providing status updates, and answering related queries. Besides speeding up the settlement process, this automation also reduces errors, making the experience smoother for customers and more efficient for the company. Insurance chatbots, be it rule-based or AI-driven, are playing a crucial role in modernizing the insurance sector. They offer a blend of efficiency, accuracy, and personalized service, revolutionizing how insurance companies interact with their clients.
A bot can ask them for relevant information, including their name and contact information. It can also inquire about what they are wanting to buy insurance for, the value of the goods they are wanting to insure, and basic health information. Some of the most renowned brands, including Nationwide, Progressive, and Allianz, use chatbots in their everyday customer communication and have seen striking returns.
![chatbot in 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)
One has to provide seamless, on-demand service while providing a personalized experience in order to keep a customer. Customers can submit claim details and necessary documentation directly to the chatbot, which then processes the information and updates the claim status, thereby expediting the settlement process. Chatbots are proving to be invaluable in capturing potential customer information and assisting in the sales funnel. By interacting with visitors and pre-qualifying leads, they provide the sales team with high-quality prospects.
Unlike their rule-based counterparts, they leverage Artificial Intelligence (AI) to understand and respond to a broader range of customer interactions. These chatbots are trained to comprehend the nuances of human conversation, including context, intent, and even sentiment. But the marketing capabilities of insurance chatbots aren’t limited to new customer acquisition. Chatbots are often used by marketing teams to support promotional campaigns and lead generation. You can use your insurance chatbot to inform users about discounts, promote whitepapers, and/or capture leads.
Benefits Of Insurance Chatbots
The positive outcomes they’ve brought to insurance companies and policyholders are immeasurable – turning long, tedious processes into fast, pain-free experiences. Insurance chatbot development requires thorough testing and quality assurance as any other type of software. Test engineers should check if the bot follows the pre-defined rules, scripts, conversations, sequences, and more. Besides, user acceptance testing is also performed here to check the work of the chatbot by insurers’ customers and get timely feedback to fix all the issues. We recommend starting chatbot development with a discovery phase, including CX design. CX specialists conduct in-depth research on insurers’ customers via interviews with current policyholders and prospects as well as competitors’ customers.
![chatbot in insurance](https://www.metadialog.com/wp-content/uploads/feed_images/future-of-customer-support-top-5-trends-img-3.webp)
Whether they’re looking for quotes, seeking to file an insurance claim, or simply trying to pay their bill, they want an immediate response that is personalized, accurate, and aligned with their high expectations. Watsonx Assistant’s advanced AI chatbots use natural language processing (NLP) to streamline fast, accurate answers that optimize customer experiences, brought to you by the global leader in conversational AI. Since accidents don’t happen during business hours, so can’t their claims. Having an insurance chatbot ensures that every question and claim gets a response in real time. A conversational AI can hold conversations, determine the customer’s intent, offer product recommendations, initiate quote and even answer follow-up questions. This makes sure no customer is left unanswered and allows the customer to connect to a live agent if required, keeping customers satisfied at all times.
60% of insurers expect nontraditional products to generate revenue on par with traditional products. The insurer has made their chatbot available in the client area, but also in their physician search page and their blogs.
The National Insurance Institute established a chat bot – The Jerusalem Post
The National Insurance Institute established a chat bot.
Posted: Wed, 21 Feb 2024 08:00:00 GMT [source]
Chatbots contribute to higher customer engagement by providing prompt responses. Integration with CRM systems equips chatbots with detailed customer insights, enabling them to offer personalized assistance, thereby enhancing the overall customer experience. Lemonade, an AI-powered insurance company, has developed a chatbot that guides policyholders through the entire customer journey. Users can turn to the bot to apply for policies, make payments, file claims, and receive status updates without making a single call. GEICO, an auto insurance company, has built a user-friendly virtual assistant that helps the company’s prospects and customers with insurance and policy questions.
Being available 24/7 and across multiple channels, an automated tool will let policyholders file insurance claims or get urgent support and advice whenever and however they want. Chatbots can use AI technology to thoroughly review claims, verify policy details and put them through a fraud detection algorithm before processing them with the bank to move forward with the claim settlement. This enables maximum security and assurance and protects insurance companies from all kinds of fraudulent attempts. By automating routine tasks, chatbots reduce the need for extensive human intervention, thereby cutting operating costs. They collect valuable data during interactions, aiding in the development of customer-centric products and services. In an industry where confidentiality is paramount, chatbots offer an added layer of security.
It can do this at scale, allowing you to focus your human resources on higher business priorities. You can foun additiona information about ai customer service and artificial intelligence and NLP. With global insurance spending on AI platforms set to reach $3.4 billion by 2024, now’s the time to take the lead. The insurers who know how to use new technologies — in the right place, at the right time — to do more, faster, for policyholders will be the winners in the race to deliver an unbeatable CX.
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)
Besides, a chatbot can help consumers check for missed payments or report errors. In situations where the bot is unable to resolve the issue, it can either offer to escalate the customer’s request. Alternatively, it can promptly connect them with a live agent for further assistance. The bot responds to FAQs and helps with insurance plans seamlessly within the chat window.
Each of these chatbots, with its specific goal, helps customers and employees through conversation – collecting internal and external data that allow it to make decisions and respond appropriately. Conversational customer experience encompasses much more than providing Chat PG quick answers to common questions. Customers want personalized service if they plan on being loyal to your brand. The choice of the chatbot platform usually impacts the ease of deployment, integration options, scalability and performance, costs, and more.
Nearly half (44%) of customers find chatbots to be a good way to process claims. Which is why it’s important to have an adaptable and scalable solution that can help you implement the most relevant technology. Deploying a chatbot on multiple channels, implementing new features and functionalities, and testing out new use cases are all part of providing a revenue-driving chatbot experience. Working with an easy-to-use platform and industry experts takes the guesswork out of actioning these changes – and saves you and your teams time and money in the long run. Aetna’s chatbot, Ann, lives on its website and offers 24-hour support for new members and existing customers trying to log in. Powered by natural language processing, Ann mimics the look and voice of a human to give customers a friendly response.
With quality chatbot software, you don’t need to worry that your customer data will leak. If you build a sophisticated automated workflow, you don’t have to give your employees access to customers’ sensitive data — your chatbot will process it all by itself. Ensuring chatbot data privacy is a must for insurance companies turning to the self-service support technology. Insurance chatbots, rule-based or AI-powered, let you offer 24/7 customer support. No more wait time or missed conversations — customers will be happy to know they can reach out to you anytime and get an immediate response.
From booking meetings to assisting on daily tasks or helping out new employee onboarding, they are designed to complete specific procedures efficiently and quickly. Based on the insurance type and the insured property/entity, a physical and eligibility verification is required. It allows customers to choose among the entire range of travel insurance policy options. Once the appropriate policy is determined, CLARA can process the customer request and onboard the customer using OCR technology. Use automation, customer profile analytics, and conversational AI-powered robots to drive an enhanced quote and bind process. Let’s take a look at 5 insurance chatbot use cases based on the key stages of a typical customer journey in the insurance industry.
Able to learn and adapt over time, they may be also used by chatbot solutions to maximize the creation of user intents and reach much higher automation rate from scratch than ever. In today’s fast-paced, digital-first world of insurance, speed and customer experience are two priority differentiators that watsonx Assistant absolutely delivers on. Often, potential customers prefer to research their options themselves before speaking to a real person. Conversational insurance chatbots combine artificial and human intelligence, for the perfect hybrid experience — and a great first impression. Chatbots have begun a new chapter in insurance, offering unparalleled efficiency, personalized customer service, and operational agility. Their ability to adapt, learn, and provide tailored solutions is transforming the insurance landscape, making it more accessible, customer-friendly, and efficient.
This can be a complex process, but chatbots can simplify it by asking the right questions and providing personalized recommendations. A leading insurer faced the challenge of maintaining customer outreach during the pandemic. Implementing Yellow.ai’s multilingual voice bot, they revolutionized customer service by offering policy verification, payment management, and personalized reminders in multiple languages.
By using chatbots to streamline insurance conversations, your company can elevate and optimize processes across the entire insurance business. Chatbots are software programs that simulate conversations with people using unstructured dialogue. They are often used in the insurance industry to streamline customer interactions and provide 24/7 support. We will discuss where chatbots https://chat.openai.com/ are best positioned to offer strategic value, how to incorporate chatbots into a carrier’s overall customer experience strategy, and the challenges of implementing chatbots. This enables them to compare pricing and coverage details from competing vendors. But it’s not always easy for them to understand the small print and the nuances of different policy details.
MOCG customize these solutions to fit your business’s specific needs and goals. Our chatbot will match your brand voice and connect with your target audience. Companies can use this feedback to identify areas where they can improve their customer service. No problem – use the messenger application on your phone to get the information you need ASAP. Bots can inform customers of their insurance coverage and how to redeem said coverage.
For the customer, the insurance chatbot is a welcome development, one that extends office hours around the clock and one that is capable of finding the right product and the right quote in an instant. In fact, the insurer’s chatbot can be contacted via the customer’s favourite messaging channel. The most obvious use case for a chatbot is handling frequently asked questions. A virtual assistant answers prospects’ and customers’ questions, triggers troubleshooting scenarios, and collects data for human agents to resolve complex issues. Insurance chatbots have a range of use cases, from lead generation to customer service.
Users can change franchises, update addresses, and request ID cards through the chat interface. They can add accident coverage and register new family members within the same platform. Find out how Infobip helped Covéa Group reach an 11% conversion rate on a conversational marketing campaign with RCS. As a software developer, I have been voice crying in the wilderness, trying to make requirements clear, use every minute to deliver the result, and not reinvent the wheel. Businesses need to carefully consider factors such as functionality, ease of use, customization options, and pricing to find a provider that meets their unique needs. He led technology strategy and procurement of a telco while reporting to the CEO.
If you’re looking for a way to improve the productivity of your employees, implementing a chatbot should be your first step. Seeking to automate repeatable processes in your insurance business, you must have heard of insurance chatbots. In 2012, six out of ten customers were offline, but by 2024, that number will decrease to slightly above two out of ten. Chatbots increase sales and can help insurance companies automate customer conversations.
Before any change, businesses need to identify potential integration challenges, such as compatibility issues or data security concerns, and develop a strategy to overcome them. For example, Metromile, an American car insurance company, used a chatbot called AVA to process and verify claims. Claim filing or First Notice of Loss (FNOL) requires the policyholder to fill a form and attach documents. A chatbot can collect the data through a conversation with the policyholder and ask them for the required documents in order to facilitate the filing process of a claim.
By now, chatbots have become an integral part of numerous brands and services. With Engati’s eSenseGPT integration, you can answer a wide range of queries on the various policies, procedures, etc. You can resolve your customer queries within seconds, just by entering your data in our eSenseGPT and sharing a link to your website or Doc,or uploading a PDF Doc.
But you don’t have to wait for 2030 to start using insurance chatbots for fraud prevention. Integrate your chatbot with fraud detection software, and AI will detect fraudulent activity before you spend too many resources on processing and investigating the claim. AI-powered chatbots can act as the forefront security for insurance companies by analyzing claims data, verifying policyholder information, and preventing fraudulent submissions. Choosing the chatbot framework and platform is the next crucial stage, followed by conversation flow development and testing. Special attention is also paid to enriching a chatbot with artificial intelligence technologies.
This will then help the agent to work faster and resolve the problem in a shorter time — without the customer having to repeat anything. The COVID-19 pandemic accelerated the adoption of AI-driven chatbots as customer preferences moved away from physical conversations. As the digital industries grew, so did the need to incorporate chatbots in every sector.
Statistics show that 44% of customers are comfortable using chatbots to make insurance claims and 43% prefer them to apply for insurance. Chatbots are a valuable tool for insurance companies that are looking to increase customer acquisition. They can help to speed up the lead generation process and gather more relevant information from prospects. When chatbots can quickly handle customer questions and routine requests, they produce significant operating expense reductions. In the insurance industry that’s especially important because carriers are under increased pressure to reduce expenses wherever possible in a volatile economic climate. The advent of chatbots in the insurance industry is not just a minor enhancement but a significant revolution.
![chatbot in 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)
After creating an MVP, you can start testing, and then training your chatbot, as well as integrating it with external systems, all of which are quite complex tasks. Surely, you first need to determine the optimal architecture and operational principles and then choose the tools to implement them. Among code-based frameworks, the market-leading solutions include the Microsoft bot framework, Aspect CXP-NLU, API.ai, and Wit.ai. Define the value you want to offer, create a mental map of its effective implementation, and then build it into the design. Nearly 50 % of the customer requests to Allianz are received outside of call center hours, so the company is providing a higher level of service by better meeting its customers’ needs, 24/7.