🩺 HealthcareOutbound
Renewal · Hindi
Explains a health policy renewal and records the reply.
1:28
INSURANCE The renewal script, explained
The best insurance renewal call script, explained line by line
Most renewals are not lost to a competitor. They are lost because nobody called at the right time with the right words. This is one master renewal script, with the reason behind every line, the exact days to call, replies to the 8 objections you will hear and ready versions in Hinglish, Hindi and English.
- Line-by-line reasoning
- 6-touch renewal calendar
- 8 objection replies
The master script
Every line, and why it works
A 40-second renewal call in Hinglish. Words in [brackets] are placeholders.
- CallerNamaste [Name] ji, main [Company] se [Your name] bol rahi hoon.Why it worksName the company in the first breath. Policyholders hang up on calls that sound anonymous.
- CallerAapki [Policy name] policy [Date] ko renew honi hai. Kya do minute baat ho sakti hai?Why it worksThe due date is the real reason for the call, and asking permission turns a cold call into a conversation.
- CustomerHaan, boliye.
- CallerRenewal premium [Amount] hai, aur aapka cover [Cover amount] ka hai. Kya aap isi plan ko continue karna chahenge?Why it worksState premium and cover plainly. Hiding the number creates doubt; one clear yes/no question moves the call forward.
- CustomerPremium thoda zyada lag raha hai.
- CallerSamajh sakti hoon. Renew na karne par aapka continuous cover aur no-claim benefit chala ja sakta hai. Kya main aapko advisor se connect kar doon, jo options bata sakein?Why it worksAcknowledge first, then the one fact that matters (what is lost if the policy lapses), then hand over. Never argue on price.
- CustomerTheek hai.
- CallerMain abhi connect kar rahi hoon. Aur renewal link WhatsApp par bhi bhej deti hoon.Why it worksA live hand-over plus a WhatsApp link gives the customer two easy ways to finish today.
When to call
The 6-touch renewal calendar
30 days before
A friendly heads-up with the premium and due date. Ask if they want to continue or review cover.
15 days before
Follow up the undecided. Offer an advisor call for cover changes.
7 days before
A clear reminder with the renewal link on WhatsApp after the call.
2 days before
Last reminder before the due date. Transfer anyone with questions.
Due date and grace period
Explain what continuity and benefits depend on renewing on time, and help them finish.
After renewal
A short thank-you call. It is the best moment to ask about other cover needs.
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Objection bank
8 objections and the best replies
| Reply (Hinglish) | Why | |
|---|---|---|
| "Premium bahut zyada hai." | Samajh sakti hoon. Advisor aapko cover aur premium ke options bata sakte hain. Connect kar doon? | Moves the price talk to someone who can change the plan. |
| "Baad mein karunga." | Bilkul. Kya main [Date] ko dobara yaad dila doon? Due date [Date] hai. | A callback with a date keeps the renewal alive. |
| "Online kar lunga." | Zaroor. Main renewal link WhatsApp par bhej deti hoon, do minute lagenge. | Removes effort. Most "online" promises never happen without a link. |
| "Doosri company sasti hai." | Advisor dono ka cover compare karke bata sakte hain. Ek baar baat kar lijiye. | Never criticise others; offer a comparison by a person. |
| "Claim mein problem hui thi." | Sorry aapko problem hui. Main ye note kar rahi hoon aur senior advisor se connect karti hoon. | Listen, log and escalate. Do not defend. |
| "Ab zarurat nahi hai." | Theek hai. Kya main pooch sakti hoon kyun? Aapka jawab note kar leti hoon. | The reason is useful data, even when the answer is no. |
| "Paise abhi nahi hain." | Samajh sakti hoon. Payment options ke liye advisor se baat karwa doon? | Payment options are for your team to explain, not the script. |
| "Mujhe call mat karo." | Bilkul, aapko aage call nahi aayega. Dhanyavaad. | End politely and add the number to your opt-out list. |
Ready versions
The master script in 3 languages
Copy and replace the words in [brackets].
Caller: Namaste [Name] ji, main [Company] se [Your name] bol rahi hoon. Aapki [Policy name] policy [Date] ko renew honi hai. Kya do minute baat ho sakti hai?
Customer: Haan, boliye.
Caller: Renewal premium [Amount] hai aur cover [Cover amount] ka hai. Kya aap isi plan ko continue karna chahenge?
Customer: Haan.
Caller: Badhiya! Main renewal link abhi WhatsApp par bhej rahi hoon. Koi sawaal ho toh advisor se connect kar doon?
Caller: नमस्ते [Name] जी, मैं [Company] से [Your name] बोल रही हूँ। आपकी [Policy name] पॉलिसी [Date] को रिन्यू होनी है। क्या दो मिनट बात हो सकती है?
ग्राहक: हाँ, बोलिए।
Caller: रिन्यूअल प्रीमियम [Amount] है और कवर [Cover amount] का है। क्या आप इसी प्लान को जारी रखना चाहेंगे?
ग्राहक: हाँ।
Caller: बहुत बढ़िया! मैं रिन्यूअल लिंक अभी WhatsApp पर भेज रही हूँ। कोई सवाल हो तो सलाहकार से जोड़ दूँ?
Caller: Hello [Name], this is [Your name] from [Company]. Your [Policy name] policy is due for renewal on [Date]. Do you have two minutes?
Customer: Yes, go ahead.
Caller: Your renewal premium is [Amount] for a cover of [Cover amount]. Would you like to continue with the same plan?
Customer: Yes.
Caller: Great! I am sending the renewal link on WhatsApp now. Shall I connect you to an advisor for any questions?
Words in [brackets] are placeholders. Works for a human telecaller or an AI voice agent.
Do and don't
Rules for a safe renewal call
- Say the real premium and dateUse the numbers from your system, never estimates.
- Never promise claims or returnsHand any question about benefits or claims to a licensed advisor.
- Ask before you pitchPermission first, then one question at a time.
- Offer a personEvery renewal call should have a hand-over to an advisor.
- Honour opt-outs"Don't call me" ends the call and is remembered.
- Record and logRecordings and outcomes protect you and the customer.
Hear it
A real AI renewal call in Hindi
An unedited recording of the Troika AI agent explaining a health policy renewal, plus a finance enquiry call.
🏦 BFSIInbound
Follow Up · English
Answers a finance enquiry and logs the request.
1:07
Telecaller or AI agent
Writing a script for an AI voice agent
- Shorter linesUnder 25 to 30 words a line. Long sentences sound robotic on a phone.
- One question per turnThe AI waits for the answer before moving on.
- Clear next stepVisit, callback or transfer: decide it before the call starts.
- A polite exitEvery script needs a line for "not interested" and "don't call me".
- Transfer ruleDecide which answers mean "transfer to a person now".
- Same script, many callsAn AI agent repeats your best version on every call, so it is worth writing well once.
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FAQ
Best insurance renewal call script: common questions
01What is the best insurance renewal call script?
A short call that names your company, gives the due date as the reason, states premium and cover plainly, asks one yes/no question and offers an advisor or a WhatsApp link. The master script on this page does exactly that in 40 seconds.
02When should I call for an insurance renewal?
Six touches work well: 30, 15, 7 and 2 days before the due date, on the due date or grace period, and a thank-you after renewal.
03How do I handle "premium is too high"?
Acknowledge it, mention what continuous cover protects, and connect the customer to an advisor who can explain options. Never argue on price.
04Should the renewal call be in Hindi or English?
Use the customer's language. Hinglish suits most urban policyholders; Hindi, Gujarati or Marathi suit customers who prefer them.
05Can an AI agent make insurance renewal calls?
Yes. Troika's AI agent makes renewal reminders on schedule, answers common questions, sends the link, records every call and transfers customers to your advisors.
06Is AI calling legal in India?
AI calling is used legally in India when it follows the same rules as any business calling: TRAI's telemarketing regulations, respect for the DND (Do Not Disturb) registry, permitted calling hours and a clear way to opt out.
- Use opt-in or responsibly sourced data, ideally people who enquired with you.
- Call within permitted hours. We schedule campaigns generally between 9 AM and 8 PM.
- Honour opt-outs: when someone says "don't call me", the agent ends politely and the number is skipped in future campaigns.
This is general guidance, not legal advice. Compliance depends on your campaign intent and your data.
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