RCS for insurance companies and agents

RCS messaging for insurance companies and agents

Renewal reminders policyholders can pay from, claim updates without phone calls and a verified sender that fake-policy callers cannot copy.

Start free trial Talk to sales

General and health insurersLife insurersInsurance brokers and web aggregatorsPoint-of-sale agents and agencies

RCS rich card from a verified insurer reminding a customer that a car policy ends on 28 November, with Renew now and advisor buttons

How do insurance companies use RCS messaging?

Insurers and agents use RCS to send renewal reminders with the premium and a Renew now button, policy-issued notices with a Download policy action, claim status updates from intimation to settlement, pending document requests and premium receipts. Policyholders see the insurer's or agency's verified name, which helps them ignore fake renewal calls, and SMS reaches other phones.

Updated 15 Nov 2026

Key facts: RCS for insurance companies and agents

Channel: RCS messaging
Best for: Renewal reminder with premium; Policy issued; Claim status updates
Formats: Rich card, Text with actions, Suggested replies
Who it suits: General and health insurers, Life insurers, Insurance brokers and web aggregators, Point-of-sale agents and agencies
Sender: Brand name, logo and verified mark, set up as an RCS agent; DLT-approved SMS fallback for phones that cannot receive RCS
Pricing model: Per message, by message type; fallback billed as SMS. How pricing works
Integration: REST API and webhooks (message.delivered, message.read, message.clicked) into your own software. RCS API

What problems does RCS solve for insurance companies and agents?

Policies lapse at renewalMotor and health policies lapse because the reminder came from an unknown header and the customer assumed it was spam.

Fraudsters copy renewal messagesFake renewal calls and links trick customers into paying into the wrong account, and they blame the insurer.

Claim status callsPolicyholders call the helpline repeatedly to ask whether the surveyor has visited or the claim is approved.

Which RCS messages work for insurance companies and agents?

Rich card

Renewal reminder with premiumPolicy type, vehicle or member names, premium and due date, with Renew now and Talk to advisor buttons.→ Higher renewal rate

Text with actions

Policy issuedPolicy number and cover period with a Download policy action that opens your secure page.→ Fewer document requests

Text with actions

Claim status updatesClaim registered, surveyor assigned, documents received, approved, paid, each as a short update with a Track claim action.→ Fewer helpline calls

Suggested replies

Pending documentsTell the customer which document is missing for the claim, with Upload now and Call me chips.→ Faster claim settlement

Text with actions

Premium receiptPayment received, amount and next due date, with a Download receipt action for tax records.→ Clear records for policyholders

Ready-to-use RCS message templates for insurance companies and agents

Copy, edit and use these as a starting point.

Motor renewalRich card

Title: {{vehicle_no}}: policy ends {{date}}
Body: Premium ₹{{premium}} incl. GST. Renew before the end date to keep your no-claim bonus.
Buttons: Renew now | Talk to advisor

Claim updateText with actions

Title: Claim {{claim_no}}: {{status}}
Body: {{detail}}. Next step: {{next_step}}.
Buttons: Track claim | Call claims desk

Document pendingText with actions

Title: One document needed for claim {{claim_no}}
Body: Please upload {{document}} so we can continue processing.
Buttons: Upload now | Call me

Rich cards and buttons are set up per campaign in your MsgClub panel; text is editable.

How does RCS work for insurance companies and agents?

Policy admin triggers itA renewal date, issue, claim stage or payment is logged in your policy administration or claims system.
MsgClub sends the cardRCS phones get the verified card; all others get your DLT-approved SMS.
The policyholder actsRenew now opens your payment journey; a chip reply reaches the service team.
Records updateReads, taps and replies are posted by webhook so agents call only those who need help.

Connect your softwarePolicy administration, claims and agency CRM systems can call the MsgClub RCS API at each policy and claim stage, and record reads, taps and replies by webhook against the policy number. RCS API · API and webhooks · Pricing

ComplianceFollow IRDAI's rules on how renewals and products are described, and send cross-sell offers only with consent. Link only to your own domain, never ask for OTPs or card details by message, and keep health details out of the text.

Which other channels suit insurance companies and agents?

Use them together from one account, with shared contacts, reports and webhooks.

SMS for insurance companies and agentsWhat SMS do insurance companies send to policyholders?See SMS

WhatsApp for insurance companies and agentsHow do insurance companies use WhatsApp?See WhatsApp

IVR for insurance companies and agentsHow is IVR used in insurance?See IVR

Voice broadcast for insurance companies and agentsHow do insurers use voice broadcast for renewals?See Voice broadcast

Missed call for insurance companies and agentsHow do insurers and agents use missed call numbers?See Missed call

AI calling for insurance companies and agentsTwo-way AI agents that talk to callers in Hindi, English and other Indian languages, unlike a recorded message.See AI Voice

Compare every channel for insurance companies and agents

Questions about RCS messaging for insurance companies and agents

How does RCS help insurers fight renewal fraud?

Your messages show the insurer's verified name and logo, which fraudsters cannot easily copy, and the Renew now button opens only your own domain. Tell customers that genuine renewals come only from that sender and never ask them to pay into another account.

Can an individual insurance agent use RCS?

Possibly, if the agent operates as a registered business with its own brand, website and contact details that can be verified. Many individual agents find WhatsApp simpler. Agencies and brokers with large renewal books get more value from RCS.

Can policy documents be sent through RCS?

Send a Download policy button that opens a secure page on your site, rather than attaching the policy itself. This keeps personal and health details off lock-screen previews and lets the customer log in to view it.

When should motor insurance renewal reminders go out?

Usually 30, 15 and 3 days before expiry, and once on the day after if unpaid. Mention the no-claim bonus at stake and the vehicle number, and add a Sold this car reply so you can stop reminders for vehicles the customer no longer owns.

Can claim updates be sent by RCS?

Yes. Short updates at each stage, such as surveyor assigned or claim approved, reduce helpline calls. Add a Track claim button and a Call claims desk action, and send the SMS fallback for customers on phones without RCS.

Can we cross-sell health cover to motor policyholders by RCS?

Only with the customer's consent to receive marketing, and within IRDAI's rules on how insurance is advertised and sold. Keep the card factual, avoid promises about claims and include a way to stop such messages.