A conversational insurance platform on WhatsApp automating the full policy lifecycle — from quote generation and policy purchase to claims filing with photo evidence, real-time claim tracking, and premium payments — reducing claim processing from 14 days to 48 hours.

The Challenge
A major insurance company was losing market share because their claims process took 14+ days and required in-person visits. Younger demographics refused to buy insurance through agents, and 60% of policyholders had never filed a legitimate claim because the process was too complicated.
Project Timeline
Mapped end-to-end insurance workflows for auto, health, and property lines. Documented claims adjuster processes, regulatory filing requirements, and KYC verification steps.
Conversational quote generator asking risk assessment questions via WhatsApp. Real-time premium calculation, policy document generation, and e-signature via DocuSign — all without leaving WhatsApp.
Photo-based claims filing with AI damage assessment for auto claims. Trained computer vision model on 50K+ accident images to estimate repair costs and flag fraud indicators.
Premium payment processing, auto-renewal reminders, claims payout tracking, agent commission system, and gradual rollout to 120K+ policyholders.
Our Solution
Customer describes what they need to insure via WhatsApp. Bot asks risk assessment questions conversationally, calculates premium in real-time, generates policy documents, and collects e-signature — entire purchase in under 10 minutes.
Customer sends photos of vehicle damage, property damage, or medical receipts directly in WhatsApp. AI damage assessment provides instant preliminary estimate. Bot collects incident details, witness info, and police report numbers conversationally.
Computer vision model trained on 50K+ accident images estimates repair costs within 15% accuracy. Flags potential fraud indicators (inconsistent damage patterns, recycled photos). Reduces adjuster workload by triaging claims automatically.
Proactive status updates via WhatsApp: "Your claim CLA-77341 has been assigned to adjuster James. Estimated review: 24 hours." Customers check status anytime by texting "claim status." Push notifications at every milestone.
Monthly/annual premium payments via card or bank transfer within WhatsApp. Auto-renewal with 30/7/1 day reminders. Lapsed policy reactivation with one message. Payment history and receipts on demand.
Insurance agents manage their book of business via WhatsApp. View client policies, track commissions, send targeted renewal reminders, and get real-time notifications when clients file claims or have payment issues.
Results
Client Feedback
“Our claims process went from 14 days to 48 hours. Customers file claims by sending photos on WhatsApp and get real-time updates. Policy sales among under-35s increased 180%. The AI fraud detection has saved us millions. AltAppLabs reimagined how insurance should work.”
T. Mensah
Chief Digital Officer, Atlas Insurance Group
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