Policy renewal reminders, premium due alerts, claim status tracking, and KYC updates- all sent as verified, interactive RCS messages instead of plain SMS. Policyholders act with one tap; your support team fields fewer calls.
Insurers using RCS see lower policy-lapse rates and faster policyholder response vs plain-text SMS reminders.
24/7
Automated renewal & premium alerts
1-tap
Renew Now, Pay Premium, or View Claim
100%
Reach via automatic SMS fallback
0
DND restrictions on RCS vs promotional SMS
RCS (Rich Communication Services) is the modern upgrade to SMS. It lets insurers send verified, branded messages with policy summaries, claim status, and tap-to-act buttons- straight into a policyholder's native Android Messages app, with no app install required. Where RCS isn't supported, delivery automatically falls back to standard SMS.
Trigger: Policy approaching its expiry date- insurer needs to prompt renewal before coverage lapses.
RCS format: Rich card carousel: policy summary card, lapse-risk card, 'Renew Now' card with payment link.
Result: Lower policy-lapse rates than plain SMS renewal notices, with fewer missed renewal windows.
Trigger: Premium instalment due within a set number of days on a life, health, or motor policy.
RCS format: Rich card: policy number, premium amount, due date, 'Pay Premium' button.
Result: Higher on-time premium payment rates and fewer policy grace-period lapses.
Trigger: Claim filed by a policyholder progresses through review, approval, and settlement stages.
RCS format: Rich card: claim ID, current stage, next expected step, 'View Claim' button.
Result: Fewer inbound 'what's my claim status' calls and clearer visibility for policyholders.
Trigger: Regulatory KYC or re-KYC documentation pending or expiring for an existing policyholder.
RCS format: Rich card: pending document list, verification status, 'Update KYC' button to the upload flow.
Result: Faster KYC completion and fewer service disruptions from lapsed documentation.
Trigger: Prospective customer requests a quote online or via an agent for a new policy.
RCS format: Rich card: quote summary, coverage highlights, premium estimate, 'View Full Quote' button.
Result: Faster quote-to-conversion turnaround than emailing a PDF or sending a plain SMS link.
Trigger: Policyholder has a query about coverage, a recent transaction, or needs to reach an agent.
RCS format: Rich card with suggested-reply chips: 'Talk to Agent', 'View Policy', 'Track Claim'.
Result: Faster first-response times and a lighter load on voice support and branch queues.
Purchase
Quote card and policy issuance confirmation with coverage summary.
Active policy
Premium due reminders and periodic KYC/document update prompts.
Claim
Claim filed confirmation and stage-by-stage status updates to settlement.
Renewal
Renewal carousel with policy summary, lapse-risk, and one-tap Renew Now.
Rich Cards
Policy, claim, and premium details with image, text, and action buttons in one message.
Suggested Replies
One-tap 'Renew Now', 'Pay Premium', 'Track Claim' chips for policy actions.
CTA Buttons
'View Claim', 'Update KYC', 'View Quote'- direct action, no link-click friction.
Carousels
Multi-card renewal breakdowns- policy summary, lapse-risk, renew-now- swipeable in one message.
Business Verification
Google-verified insurer name and logo on every message- reduces impersonation and fraud-claim risk.
| Aspect | SMS | RCS |
|---|---|---|
| Sender identity | Plain number or unverifiable Sender ID | Verified insurer name, logo, and checkmark |
| Message format | 160-character plain text with a bare renewal link | Rich card with policy summary, status, and buttons |
| Policyholder action | Requires a phone call or separate portal login | Renew, Pay, or Track Claim in one tap |
| DND applicability | Promotional SMS blocked for DND numbers | Not restricted by TRAI DND rules |
RCS and WhatsApp are complementary, not competing. For broad, install-free outbound alerts, RCS has a reach advantage.
| Aspect | RCS | |
|---|---|---|
| Reach | Requires the policyholder to have WhatsApp installed and opted in | Works natively in Android's default Messages app- no install or opt-in step |
| Delivery fallback | No native SMS fallback if undelivered | Automatic SMS fallback keeps delivery near-universal |
| Best fit | Two-way agent chat, claims support conversations | Broad outbound alerts- renewals, premiums, claim status |
Trigger
Renewal window opens, premium due date approaches, or claim stage updates in your policy admin system.
Template match
Get Click Media's API matches the event to the pre-approved rich card template.
Capability check
Platform checks if the policyholder's device supports RCS in real time.
Send
RCS rich card delivered if supported; automatic SMS fallback if not.
Policyholder action
Policyholder taps Renew Now, Pay Premium, View Claim, or Update KYC- routed back to your system.
Reporting
Delivery, read, and response rates tracked in the Get Click Media dashboard.
Note: anonymised, illustrative example based on common patterns seen across insurance renewal and claims messaging deployments- not a single named case study.
Challenge
Rising policy-lapse rate at renewal time and high claim-status call volume to support.
RCS deployment
3-card renewal carousel- policy summary, lapse-risk, renew-now- plus claim-status rich cards.
Outcome
Fewer lapsed policies and a marked drop in inbound claim-status calls within weeks of launch.
Discovery & use-case mapping
We map your renewal, premium, claims, and KYC workflows to RCS message templates.
Google brand verification
Get Click Media submits your insurer identity documents for Google RBM verification.
Template design & approval
Rich cards, carousels, and suggested replies designed for each use case and submitted for approval.
Policy admin/API integration
Connect your policy administration or claims management system via API or ready-made webhooks.
Pilot & go-live
Run a pilot batch with SMS fallback verified, then scale to full policyholder base.
Pricing is based on message volume and interaction type, and is customised per insurer or line of business. All plans include Google brand verification support, SMS fallback, real-time analytics, and API access.
View RCS PricingCompliance-conscious by design
Message payloads carry only what's needed to act- never sensitive policy data. India-hosted infrastructure.
Direct carrier integration
Direct Jio, Airtel, and Vi integration for fast delivery and accurate capability detection.
Real-time trigger API
Connects to your policy admin or claims system so renewal and claim alerts fire the moment an event occurs.
Dedicated onboarding support
Get Click Media manages Google brand verification and template approval end-to-end.
SMS fallback built in
Every message reaches the policyholder, RCS-capable device or not.
Fast go-live
Most insurance clients are live within 7-10 business days.
Get Click Media enables insurers to reimagine policyholder communication with RCS.
Big or small, we power communication for all- talk to us today.
RCS rich cards show policy details, lapse-risk status, and a 'Renew Now' button directly in the message, cutting the steps a policyholder needs versus a plain SMS with a bare link- which typically improves on-time renewal rates and reduces policy lapses.
Yes. A claim-status rich card can show the current stage- filed, under review, approved, settled- with a 'View Claim' button, giving policyholders self-serve visibility without calling the insurer's support line or waiting for a callback.
Yes. RCS rich cards can list pending KYC documents and verification status, with an 'Update KYC' button linking to the upload flow, reducing service disruptions and drop-off compared to email or plain SMS prompts.
No. RCS is not classified as commercial SMS under TRAI regulations, so insurers don't need DLT entity or template registration for RCS content. Google brand verification is required instead, which Get Click Media manages end-to-end during onboarding.
Get Click Media's platform checks device capability in real time and automatically falls back to SMS for policyholders whose devices don't support RCS, ensuring renewal and premium reminders reach every customer regardless of device.
Yes. A rich card can present a quote summary, coverage highlights, and premium estimate with a 'View Full Quote' button, giving prospects a faster path to review and convert than a PDF email or plain SMS link.
Yes. RCS templates can be tailored per product line- renewal carousels for motor and health, premium reminders for life policies, claim-status cards for all three- while using the same verified sender identity across your insurance portfolio.
Most insurance clients go live within 7-10 business days, covering Google brand verification, template approval, and integration with the policy administration or claims management system generating the underlying events.
Get Click Media handles Google brand verification, template approval, and policy admin/claims integration. Most insurance clients are live within 7-10 business days.
