WhatsApp-Based Insurance Quotation and Premium Calculation
What WhatsApp Extension does
WhatsApp Quote Journey
Allow customers to start the insurance quotation process directly through WhatsApp.
Structured Information Capture
Collect the customer and risk details required to prepare the quotation.
Premium Calculation
Calculate premium using configured insurance product and rating logic.
Quote Generation
Generate or present the quotation and involve a human representative when required.
The Problem
Manual WhatsApp Enquiries Can Slow Down Quote Preparation
Customers may contact an insurer through WhatsApp for a quotation, but the process behind the conversation can still be manual.
The representative needs to collect the required customer and risk information, apply the relevant product and rating logic, calculate the premium, and prepare the quotation.
This can make a simple digital enquiry more time-consuming than it needs to be.
Where It Breaks Down
Key Challenges in Manual WhatsApp Quotation
Quote Information Has to Be Collected Manually
Insurance Quotes Require Specific Information
A quotation cannot be prepared until the required customer and risk details are available.
Questions Need to Be Asked in the Right Sequence
The representative must make sure all necessary information is collected.
Missing Details Delay the Quote
Incomplete information creates additional customer follow-up.
Information Can Remain Unstructured
Important quotation details may stay buried inside the WhatsApp conversation.
Premium Calculation Requires Additional Steps
Collected Information Needs to Be Checked
The customer responses need to be converted into the inputs required for pricing.
Product Rules Need to Be Applied
The appropriate product and rating logic must be used before premium can be calculated.
Calculation May Happen Outside WhatsApp
Without an integrated journey, the representative may need to move between WhatsApp and another system.
The Customer Waits Longer for the Quote
Each manual step adds time between the enquiry and the quotation.
Manual Information Capture Can Be Inconsistent
Different Representatives May Ask Different Questions
The quotation journey can vary depending on who handles the enquiry.
Required Risk Details Can Be Missed
Incomplete inputs may require the quotation to be reviewed or prepared again.
Repeated Follow-Up Adds Effort
Both the customer and the insurance team spend more time completing the same quote journey.
Structured Input Is Important for Pricing
Premium calculation depends on having the required information in the correct format.
Some Quotations Still Need Human Support
Not Every Case Can Be Completed Automatically
Certain customer requirements or unusual cases may need assistance from an insurance representative.
The Handoff Should Preserve Context
The representative should receive the information already collected.
Customers Should Not Have to Start Again
A human handoff should continue the journey rather than restart it.
The Solution
Automated Insurance Quotation Through WhatsApp
WhatsApp Extension collects the required information, calculates the premium, generates a quotation, and connects the customer with a representative when needed.
Guided Quote Information Capture
Collect the information needed for pricing.
The WhatsApp journey asks the customer for the required personal and risk information.
Configured Product & Rating Logic
Apply the relevant pricing rules automatically.
Captured information is processed using configured insurance product and rating logic.
Premium Calculation
Move directly from completed inputs to premium.
The applicable premium is calculated based on the configured rules.
Quote Generation
Present the quotation within the customer journey.
The completed quotation can be generated or presented after premium calculation.
Human Handoff
Continue with a representative when required.
Cases that need additional support can be passed to the insurer or agent with the collected context.
Business Impact
Business Impact of Manual Quotation Processing
Slower Quote Response
Manual information collection and premium preparation can increase quotation turnaround time.
Higher Sales Effort
Representatives spend time collecting routine information and preparing standard quotations.
Incomplete Quote Inputs
Missing customer or risk details can delay premium calculation.
Inconsistent Quote Journeys
Different representatives may collect information differently.
Customer Drop-Off
Longer or fragmented quotation processes can reduce the likelihood of the customer completing the journey.
Repeated Customer Effort
Customers may need to provide additional information when the first interaction is incomplete.
A WhatsApp enquiry should move directly toward a quotation, not create another manual process for the sales team.
Core Features
Core Features of WhatsApp Extension
From WhatsApp conversation to insurance quotation and premium calculation.
- Collect
- Calculate
- Quote
WhatsApp Customer Interaction
Start the quotation journey directly through WhatsApp.
Customer Information Capture
Collect the customer details required for the insurance quotation.
Risk Information Capture
Collect the product-specific risk information required for pricing.
Guided Question Flow
Ask the required quotation questions in a structured sequence.
Product Logic Configuration
Use configured insurance product logic during the quotation journey.
Rating Logic
Apply configured pricing rules to the captured customer and risk information.
Premium Calculation
Calculate the applicable premium based on the configured rating logic.
Quotation Generation
Generate or present the insurance quotation after the calculation is completed.
Human Handoff
Pass the quotation journey to a human representative when additional support is required.
Context-Preserving Handoff
Carry the information already collected into the human-assisted stage.
How It Works
From WhatsApp Enquiry to Insurance Quotation
Customer Starts the Conversation
The customer contacts the insurer through WhatsApp for an insurance quotation.
Required Quote Information Is Collected
The system asks the necessary customer and risk questions.
Product and Rating Logic Is Applied
The captured information is processed using the configured pricing rules.
Premium Is Calculated
The applicable premium is calculated from the provided information.
Quotation Is Generated
The insurance quotation is generated or presented to the customer.
Human Support Is Added if Required
The case can be passed to a human representative when additional assistance is needed.
Process Flow
- Enquiry
- Collect Information
- Apply Rules
- Calculate Premium
- Generate Quote
- Handoff if Required
At a Glance
The WhatsApp Quotation Journey on One Screen
From the first enquiry message to a shareable quotation, with human support one step away.
Human Handoff
Automation Handles the Standard Quote Journey. Human Support Remains Available.
WhatsApp Extension is designed specifically for quotation and premium calculation.
It does not replace human support when a case requires additional assistance.
The system collects information, calculates premium, and generates the quotation.
The insurer or agent can take over when the quotation requires human involvement.
How We Compare
Manual WhatsApp Quotation vs Structured WhatsApp Quotation
Swipe to compare
| Capability | Manual WhatsApp Process | Basic WhatsApp Bot | WhatsApp Extension |
|---|---|---|---|
| Customer interaction | Human-led | Automated conversation | Structured quotation journey |
| Customer information capture | Manual | Basic | Quote-specific capture |
| Risk information capture | Manual | Requires setup | Structured for pricing |
| Required quotation questions | Agent dependent | Generic | Configured question flow |
| Product logic | Applied manually | No | Configured |
| Rating logic | Manual / separate system | No | Applied to captured information |
| Premium calculation | Manual / external | No | Calculated within the quote process |
| Quotation generation | Manual / external | No | Generated or presented after calculation |
| Human handoff | Manual | Possible | Available when required |
| Insurance quotation focus | Manual process | Generic chatbot | Designed specifically for quotation and calculation |
The Difference
A standard WhatsApp conversation handles the enquiry.
A basic chatbot collects information or answers questions.
WhatsApp Extension turns the conversation into a structured insurance quotation process by collecting the required risk details, applying configured rating logic, calculating premium, and generating the quote.
Who It Is For
Who Can Use WhatsApp Extension?
Insurance Companies
Offer insurance quotations through a familiar customer messaging channel.
Life Insurers
Support configured quotation journeys for eligible life insurance products.
Health Insurers
Collect customer and risk information required for health insurance quotations.
P&C / General Insurers
Support quotation journeys for configured general insurance products.
MGAs
Enable WhatsApp-based quotation for products distributed through their channels.
Insurance Brokers & Agencies
Collect quotation information and calculate premium through a structured WhatsApp journey.
Digital Distribution Teams
Add WhatsApp as a structured insurance quotation channel.
Insurance Sales Teams
Reduce manual effort involved in routine quotation enquiries.
Get Started
Enable Insurance Quotation Through WhatsApp
Collect customer and risk information, apply configured pricing logic, calculate premium, and generate the quotation through one WhatsApp journey.
Collect. Calculate. Quote.
Meet Our Innovators:
We aim to revolutionize how businesses operate through digital technology driving industry growth and positioning ourselves as global leaders.
Insurnest
Empowering insurers, re-insurers, and brokers to excel with innovative technology.
Insurnest specializes in digital solutions for the insurance sector, helping insurers, re-insurers, and brokers enhance operations and customer experiences with cutting-edge technology. Our deep industry expertise enables us to address unique challenges and drive competitiveness in a dynamic market.