Bulk SMS Service for Insurance Companies & Agents in India

Run every message of the policy lifecycle from one account: login and e-KYC OTPs, policy issuance and payment confirmations, premium, renewal and claim updates, and consented cross-sell campaigns, each on the right DLT category with pay-only-for-delivered billing.

Start Free — 1,000 SMS Credits See Pricing

Pay As You GoPay only for delivered SMS

8 channelsSMS, OTP, WhatsApp, RCS, voice, email

2-6 secTypical delivery time

24/7Support and delivery incl. DND

Quick Answer

Bulk SMS for insurance is the automated messaging an insurer, broker or agent sends across the policy lifecycle: login and e-KYC OTPs as transactional (-T) SMS, policy, premium-due, renewal and claim updates as service (-S) SMS, and rider, top-up and new-product campaigns as promotional (-P) SMS or WhatsApp marketing with consent. SMSGatewayHub runs all of it, plus 1600-series service voice, on Pay As You Go pricing.

Insurance messaging at a glance

Which channel and DLT category each insurer or agent message belongs to. A message that responds to a login or a claim the customer raised is transactional, an update to an existing policyholder is service, and anything that cross-sells is promotional.

Message	Channel	Category & suffix	When to send
Portal login and e-KYC OTP	OTP SMS, WhatsApp authentication	Transactional -T; WhatsApp authentication template	Instantly when the customer requests it
Proposal received and payment confirmation	Transactional SMS, WhatsApp utility, email	Transactional -T; WhatsApp utility	Within minutes of the payment
Policy issued with document link	Service SMS with whitelisted {#url#}, WhatsApp utility, email	Service -S	When the policy is issued
Premium-due and grace-period reminder	Service SMS, WhatsApp utility, RCS	Service -S	Ahead of and during the grace period
Renewal reminder with pay link	Service SMS with whitelisted {#url#}, WhatsApp utility	Service -S	Before the policy lapses
Claim registered, pending and settled	Service SMS, WhatsApp utility, email	Service -S	At each claim status change
Agent lead, appointment and commission alert	Service SMS, WhatsApp utility	Service -S	As each agent event occurs
Service and transactional voice confirmation	Voice SMS / IVR on a 1600-series number	Service call, no offers in the script	For call-backs and claim or renewal confirmations
New product, rider and cross-sell offer	RCS carousel, promotional SMS, bulk email	Promotional -P with consent; WhatsApp marketing	Campaign days, to non-DND or consented customers
Feedback and policy-servicing request	Missed call or toll-free number, WhatsApp chat	Customer-initiated; replies in the 24-hour window are billed per message	After issuance, renewal or claim settlement

A premium-due or renewal reminder is a service (-S) message to an existing policyholder, not a promotion; adding a cross-sell line makes it -P and it loses 24/7 DND delivery. See how categories work on transactional SMS and service explicit vs service implicit SMS.

Every SMSGatewayHub product your insurance business can use

One account, one wallet and one set of DLT templates for the whole book of business, from proposal to every renewal and claim.

Transactional & service SMS

Policy-issued, premium-due and claim-status alerts that reach every policyholder, DND included. Transactional SMS

OTP SMS

Secure portal login, e-KYC and policy-servicing OTPs on priority routes, with voice OTP fallback. OTP SMS service

WhatsApp Business API

Renewal and claim utility updates, policy documents and consented cross-sell with buttons, plus chat. WhatsApp Business API

RCS Messaging

Branded renewal and new-product cards with pay buttons in the Android inbox, with SMS fallback. RCS messaging

Voice SMS & IVR

Service and transactional confirmation calls on a 1600-series number for renewals and claims. Voice SMS

Missed call & toll-free

Give policyholders a missed-call or toll-free number to request a callback or start servicing. Missed call OTP

Bulk email

Policy documents, premium receipts and statements from authenticated sending domains. Bulk email

Developer API & SMPP

Trigger alerts from your policy admin or CRM system through a simple HTTP API or high-volume SMPP. Developer API

What changed for insurance messaging

Four rule and platform changes every insurer, broker and agency in India should plan around now.

-T, -S and -P now visible to policyholders

Operators add a suffix to every header. Login and payment OTPs are -T, policy, premium, renewal and claim updates are -S, and cross-sell offers are -P with consent.

1600-series numbers for BFSI calls

Service and transactional voice calls from regulated financial entities, including insurers, are moving to 1600-series numbers, while promotional calls use the 140 series. It helps customers tell a genuine servicing call from marketing.

Typed variables and whitelisted links

Each value must be tagged {#numeric#}, {#alphanumeric#}, {#url#} and so on, and every renewal pay link or callback number must be a whitelisted CTA on DLT. See converted templates

DPDP Rules on policyholder data

The Digital Personal Data Protection Rules are phasing in. Capture clear consent for cross-sell, use policyholder data only for the stated purpose and offer an easy way to withdraw marketing consent.

Why SMSGatewayHub

Why insurance businesses choose SMSGatewayHub

Insurers send time-critical, compliance-sensitive alerts to large policyholder books. These are the things that decide whether they arrive, comply and stay affordable.

Pay only for delivered SMS

Renewal and claim volume is seasonal; you are billed for SMS that reach the handset, not every submission. Delivery-based billing

DLT templates done for you

Our team writes policy, premium, renewal and claim templates with typed variables, whitelists your pay links and maps the IDs. DLT priority support

Certified security for BFSI

ISO 27001, ISO 9001:2015, SOC 2 and VAPT tested, which matters for insurers, brokers and bancassurance. Trust Center

Failover routing at renewal scale

Multi-operator routing with automatic failover gives 2-6 second typical delivery and a 99.9% uptime SLA for OTPs and alerts.

Connects to your policy systems

Trigger alerts from your policy admin or CRM through the HTTP API or high-volume SMPP.

SMS, WhatsApp, RCS, voice and email

Fall back from WhatsApp or RCS to SMS automatically and send in Hindi and regional languages from one wallet.

Question to ask any provider	SMSGatewayHub
Am I charged for undelivered premium and claim SMS?	No. You pay only for delivered SMS.
Will you register my renewal pay links and callback numbers?	Yes. Our DLT team whitelists them and maps your templates.
Can you support 1600-series service voice calls?	Yes, service and transactional voice on cloud IVR.
Which security certifications do you hold?	ISO 27001, ISO 9001:2015, SOC 2 and VAPT tested.
Can I test before I buy?	Yes, start with 1,000 free SMS credits. Create a free account

Adjacent to banking? See bulk SMS for banks and NBFCs and the banking and financial services use cases.

Ready-to-register DLT templates for insurance

Copy, adjust the insurer name and submit. Every changing value carries a typed tag, amounts go without commas, and every link must be a whitelisted CTA.

Message (what the policyholder sees)	DLT template (typed-variable format)	Suffix
482913 is your OTP to log in to ABC Insurance portal. Valid for 10 minutes. Do not share it with anyone.	{#numeric#} is your OTP to log in to ABC Insurance portal. Valid for {#numeric#} minutes. Do not share it with anyone.	-T
Payment of Rs.{#numeric#} received for policy POL58213. Your policy is now active. Thank you - ABC Insurance	Payment of Rs.{#numeric#} received for policy {#alphanumeric#}. Your policy is now active. Thank you - ABC Insurance	-T
Dear Rahul, your policy POL58213 is issued. Download: https://abc.in/p/58213 - ABC Insurance	Dear {#alphanumeric#}, your policy {#alphanumeric#} is issued. Download: {#url#} - ABC Insurance	-S
Dear Rahul, premium of Rs.{#numeric#} for policy POL58213 is due on 05 Nov. Pay here: https://abc.in/r/58213 - ABC Insurance	Dear {#alphanumeric#}, premium of Rs.{#numeric#} for policy {#alphanumeric#} is due on {#numeric#} {#alphanumeric#}. Pay here: {#url#} - ABC Insurance	-S
Your claim CLM4471 for policy POL58213 has been settled. Amount Rs.{#numeric#} Help: 18001234567 - ABC Insurance	Your claim {#alphanumeric#} for policy {#alphanumeric#} has been settled. Amount Rs.{#numeric#}. Help: {#cbn#} - ABC Insurance	-S
Protect your family with the new ABC Term Plan. Talk to your advisor today. Reply STOP to opt out	Protect your family with the new ABC Term Plan. Talk to your advisor today. Reply STOP to opt out	-P

More examples on DLT sample templates. Register templates under your brand with DLT registration and follow the template registration process.

Insurance customer journey on SMSGatewayHub

Map each stage of the policyholder lifecycle to the channel that fits it best.

Lead and onboarding
Verify prospects and e-KYC with OTP SMS or a missed call, and capture consent for future offers on the same screen.
Proposal and issuance
Send proposal and payment confirmations as -T SMS, then the policy-issued message with a document link as a service message or WhatsApp utility template.
Premium and renewal
Push premium-due, grace-period and renewal reminders as -S SMS with a whitelisted pay link, or as RCS cards with a pay button.
Claims servicing
Confirm claim registered, pending and settled as service messages, with a toll-free help number and 1600-series IVR as callbacks.
Cross-sell and retention
Send consented rider, top-up and new-product campaigns on RCS, WhatsApp marketing or promotional SMS.
Measure and refine
Track every message in live delivery reports and compare channel cost and response on one dashboard.

SMS vs WhatsApp vs RCS for insurance: which to use when

Use SMS for anything that must arrive. Login and e-KYC OTPs, payment confirmations, premium-due and renewal reminders and claim updates have to reach every policyholder, on any phone, including DND numbers. Transactional (-T) and service (-S) SMS do that around the clock with no app or data connection, which keeps them the backbone of policy communication.

Use WhatsApp for conversations and documents. Utility templates can carry a policy PDF, a premium receipt or quick-reply buttons such as Pay now or Talk to advisor, and policyholders can reply for servicing. Cross-sell and new-product messages go as marketing templates to opted-in customers only, and each delivered message is billed by category.

Use RCS for branded renewal and product cards on Android. Verified sender names, renewal reminders with a pay button and new-product carousels build trust in a sector where fraud is a concern, with SMS fallback for phones that cannot receive RCS. Most insurers run all three from one SMSGatewayHub account: SMS for the guaranteed layer, WhatsApp for servicing and conversation, and RCS or promotional SMS for cross-sell, with bulk email for documents and statements.

SMSGatewayHub powers messaging across industries from one platform — see bulk SMS for automobile, jewellers and HR and recruitment.

Related Services & Guides

Bulk SMS for Banks & NBFCs →

Payment alerts, EMI and loan messaging for BFSI.

Bulk SMS for Automobile →

Bookings, service-due and insurance-renewal reminders.

OTP SMS Service →

Priority routes for portal login and e-KYC OTPs.

WhatsApp Business API →

Renewal and claim utility updates with buttons.

Banking & Financial Services Use Cases →

Alert and servicing workflows for BFSI.

DLT Sample Templates →

Templates in the typed-variable format.

Frequently Asked Questions

Which SMS category should insurers use for premium and renewal reminders?

A premium-due or renewal reminder is an update to an existing policyholder, so it is a service (-S) SMS and is delivered to DND numbers around the clock. SMSGatewayHub registers the DLT template with typed variables, whitelists your renewal pay link and can also send the reminder as a WhatsApp utility message.

Can insurance companies send policy documents on WhatsApp in India?

Yes. A policy-issued update with a document link or PDF goes as a WhatsApp utility template to the policyholder, and each delivered message is billed per category. SMSGatewayHub provisions the WhatsApp Business API, gets your utility templates approved and can fall back to SMS with a whitelisted {#url#} link.

What are 1600-series numbers and do insurers need them?

1600-series numbers are a dedicated range for service and transactional voice calls from regulated financial entities, including insurers, while promotional calls use the 140 series. SMSGatewayHub provides cloud IVR and voice so your renewal, claim and servicing call-backs run on the right number series.

Can insurers send cross-sell offers to DND numbers?

No, not without consent. A rider, top-up or new-product offer sells, so it is promotional (-P) SMS: it goes only to non-DND numbers or policyholders who opted in, within the promotional time window and with an opt-out. SMSGatewayHub runs these as promotional SMS, RCS or WhatsApp marketing templates.

Which route should insurers use for a login or e-KYC OTP?

An OTP responds to an action the customer just took, so it is a transactional (-T) message and reaches all numbers 24/7. SMSGatewayHub sends OTPs on priority routes with a voice-OTP fallback and a 99.9% uptime SLA, so verification stays fast during renewal and onboarding peaks.

How do insurance agents send claim-status updates to customers?

Claim registered, pending and settled updates are service (-S) messages to an existing policyholder and can go as SMS, WhatsApp utility templates or email. SMSGatewayHub lets you trigger them from your policy admin or CRM through the HTTP API and attach a toll-free help number as the callback.

Do insurance businesses need DLT registration for bulk SMS?

Yes. Any business sending bulk SMS in India must register as a Principal Entity on DLT, register a sender ID and register each template with typed variables. SMSGatewayHub offers free DLT guidance and priority support to get your policy, premium, renewal and claim templates approved.

How much does bulk SMS cost for an insurance company?

SMSGatewayHub uses Pay As You Go pricing: you buy credits as needed and pay only for delivered SMS. Exact rates depend on volume and route, so see https://www.smsgatewayhub.com/pricing or talk to sales on 1800 102 1822, and test first with 1,000 free SMS credits.

Automate every policy message today

Get 1,000 free SMS credits, free DLT guidance and ready-to-register insurance templates. Go live on SMS, WhatsApp, RCS and voice from one account.

Start Free Trial ☎ 1800 102 1822

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