We set up the assistant for agency support, production tracking, claims and underwriting, using your instructions and systems.
What the agency sees
What your team sees
Conversation record
We build these scenarios with your instructions, reports and systems; the details in the examples are fictional.
Agency channel communication
An agency asks
Can I add earthquake to this commercial risk? What does the new instruction say?
Under the instruction you can, and the sum is within your authority. Above the limit, the request goes to underwriting. Source: October instruction, clause 3.
Your team interprets instructions and approves exceptions.
Production tracking
A regional manager asks
Which agencies are behind target? Is any loss ratio getting worse?
12 agencies are behind target, and three also have worsening loss ratios. I prepared a visit list and call notes.
Commission, target and authority decisions stay with you.
Reviewing the broker channel
The broker channel manager asks
Which brokers sent requests this quarter, in which lines, and how many became policies?
Seven brokers sent 41 marine requests, and 12 became policies. Most lost-business notes mention the deductible terms. I prepared a summary by line.
Pricing and relationship decisions stay with your team.
When a claim comes in
The claims call team asks
A claim came in through the central claims notification center, and the call is first thing tomorrow. What do I need to cover?
The call card is ready: documents to request, adjuster status and required topics. I can also write the call summary afterwards.
Your representative makes the call; your claims team decides.
Summarizing claim files
A claims handler asks
Do the accident report, adjuster's report and repair invoice match? Why has this file been open for 40 days?
Two parts on the invoice aren't in the adjuster's report. The file is open because a document is still due from the claimant. I drafted a letter to the claimant.
Payment, denial and recourse decisions stay with your claims handler.
Preparing underwriting
An underwriter asks
A shopping mall fire request came through the bank channel. Does it meet the guidelines, and what's missing?
The risk report is missing and the sum is above the authority limit. I marked two points that conflict with the guidelines.
Acceptance, pricing and reinsurance stay with your underwriter.
The assistant answers from the policy wording, your instructions and your product documents, and it cites the clause it used.
Insurer A
Extended Casco Insurance Policy
Clauses
Glass Breakage Clause. No deductible applies at a contracted glass service.
Key Loss Clause. The cost of replacing the key and lock system is covered. Limit: 25,000 TL per event and per year.
Replacement Car Clause. If repairs take over 24 hours: twice a year, 15 days per event.
The assistant's answer
The Key Loss limit is 25,000 TL.
Source: Key Loss Clause
Every conversation stays in your panel, so you can see later who asked what and how the assistant answered.
| Time | Team | Topic | Outcome |
|---|---|---|---|
| 10:41 | Agency support | Lost key limit | Answered with a source |
| 10:43 | Agency support | Claim acceptance | Pointed to the claim filing steps |
| 11:05 | Underwriting | Shopping mall fire request | Gaps flagged |
| 11:18 | Claims calls | Call card | Call made by a representative |
We write down together during setup what the assistant will not do. When it doesn't know, it doesn't guess.
| Situation | What the assistant does |
|---|---|
| Someone asks for a claims decision | Makes no decision and quotes no amount. It directs the question to your claims team. |
| The answer isn't in the document | Says it doesn't know instead of guessing. |
| A request exceeds the agency's authority | Gives no exception approval. It directs the request to underwriting. |
It runs on your own infrastructure or on the InsurAI cloud in Turkey.
In these scenarios, the assistant supports your agencies and your own teams. It doesn't call customers in an agency's portfolio or send them quotes. During setup, we define with your channel team which agency can see what.
It can. On your website it answers policy questions and guides people through a claim, and on WhatsApp it transfers the conversation to a representative when needed. You decide which topics to open, with your agency channel in mind.
Explore InsurChat B2CNo. Fault, amount, payment and denial decisions stay with your claims team. The assistant summarizes the file, flags missing documents and prepares call cards; it doesn't run the claims process for you.
No. It compares the request file with your guidelines and flags missing documents and conflicts. Acceptance, pricing and reinsurance decisions stay with your authorized underwriter.
It shouldn't, so we tie access to each agency's authority record. Each agency sees only the information open to it and its own authority. Requests above that authority go to your underwriting team.
Your data is processed in Turkey and doesn't leave the country. The assistant runs on your own infrastructure (on-premise) or on the InsurAI cloud in Turkey. We settle personal data rules with your legal team during setup.
Our products run on our own language model, built for insurance: Insurance LLM. The model will also be offered separately from January 2027 and will be able to run on your own infrastructure, on GPU servers such as H100 and H200. We plan the number of servers together, based on your conversation volume.
Before we start, we choose together what to measure, such as response time to agency questions or file preparation time. We don't promise percentages up front; you see the results in your own data.
People, companies and amounts are fictional.
Customer on the line. They have casco and ask: does it cover floods, what's the deductible?
casco-policy.pdfFlood is included as additional cover, with no separate deductible. At an authorized service without an agreement, the customer bears 25% of the claim.
Source: Insurer A Casco Policy, General Information on Cover; Repair Location Clause
how do i tell the customer
"Your policy includes flood as additional cover, with no separate flood deductible. At a contracted service, no deductible applies. If a loss happens, the insurer assesses the file and payment."
what's needed if there's a claim
The insurer's line is 0850 *** ** **. Documents that may be requested: registration, license, accident report, photos, alcohol report and IBAN. The report must be made within 5 working days.
is fire the same. this is a commercial policy
That isn't in the casco policy you uploaded. If you upload the commercial policy, I can check.
During the call
The assistant's limits in this flow: It doesn't decide cover, doesn't talk to the customer itself and doesn't log in to insurer screens with staff passwords.
Welcome. Let's prepare your supplementary health quote together, in minutes.
KVKK privacy notice
I've read it and agree
Thank you. To prepare your quote, could you share your national ID number?
123******01
Could you share your mobile number?
05** *** ** 17
Could you share the 4-digit code sent to your phone?
SMS code
Send a new code
Your SMS code has expired. We can send you a new one.
SMS code
Health disclosure notice
I've read it and agree
Calculating your quote…
Your two quotes are ready.
About 1 minute later, when the customer hasn't written
May I share something about your quote: depending on your tax position and legal limits, the premium may be deductible from your income tax base.
which hospitals in ankara does this cover. is kent sifa included
I checked Ankara: this product's network shows 38 providers. I couldn't find Kent Şifa Hospital on this list. The list is on the card.
Contracted providers
38 providers
what's the price for 10 times. do i pay here
I updated Inpatient + Outpatient to 10 times a year; the premium is 17,641.28 TL. Payment isn't completed in chat. The Buy link opens Insurer A's purchase page for payment and installments.
Buy
The purchase page opened in a new tab. Once you finish, you can come back to this chat and continue.
When the customer returns to the chat
Were you able to complete your purchase?
The assistant's limits in this flow: It doesn't take card details or payment in chat, doesn't issue policies and doesn't promise exact cover.
claim notice
Sorry to hear that. To point you the right way, could you first write which insurer your policy is with?
insurer a i think im not sure
got hit from behind nobody hurt both cars drive fine
In that case you can complete the report with the Sigortam360 Mobile Accident Report, on e-Devlet or on a paper form. I can also prepare a short text to use when reporting.
ok prepare it
A short text you can use: "My car was hit from behind while driving. No one was hurt and both cars can move. I'm attaching the report and photos. I request that a file be opened and an adjuster assigned."
I read the policy. According to this document, your insurer is Insurer B, not Insurer A, so you need to report to Insurer B: 0850 *** ** **. The photo shows damage around the rear bumper; internal or mechanical damage can't be judged from it.
will my claim be accepted. will i pay anything
The claims team makes that decision. It depends on the fault rate, the adjuster's report and the policy terms, so I can't say "it's paid" or "it isn't" from here.
i can't deal with this, you report it
I can't open the report from here. You can open it through the insurer's line or by calling 193. I can transfer you to our representative if you like. Is there a time window you'd prefer for a call?
afternoon
I've transferred you to our representative and added the call note. Our representative will take this conversation from here.
The assistant's limits in this flow: It doesn't open claim files, make up file numbers, decide fault, cover or compensation, or give legal opinions.
