Insurance runs on deadlines the customer never remembers — premium due dates, grace periods, claim document windows. These templates cover the full policy lifecycle from issuance to settlement, written as service notifications that pass Meta review. Copy them as-is or adjust the variables to match your policy admin system.
40 ready-to-edit templates·One tap to load any template into your account·Open any template in the playground
Sent the moment a new policy is issued, attaching the policy document so the customer has it on record.
policy_issued_doc_v1.pdfPDF · 128 KB · 1 page
Your policy is active. 🎉
Policy no: {{1}}
Plan: {{2}}
Sum insured: Rs. {{3}}
Valid till: {{4}}
The policy document is attached above. Please check the insured names and dates, and reply here if anything needs correction within 15 days of the free-look period.
Keep this document safe for claims
View policy details
Something is wrong
{{1}}HLTH-2201-88467{{2}}Family Health Shield{{3}}10,00,000{{4}}14 Jul 2027
Sent within a day of policy issuance to welcome the customer and set expectations for servicing on WhatsApp.
Welcome to your new policy
Namaste {{1}}, your {{2}} policy ({{3}}) is now active. You can use this chat to download your policy copy, check premium due dates, register a claim or update your nominee — no branch visit needed. Save this number for anything policy related.
Sent after health policy issuance to deliver the cashless e-card the customer shows at network hospitals.
1080×566
Your cashless health e-card is ready, {{1}}. Show this card at any of {{2}} network hospitals for cashless admission. It covers all {{3}} members on policy {{4}}. Physical cards reach your registered address in 7-10 working days.
Sent 2-3 days after issuance to inform the customer of the free-look window and how to raise changes.
A quick note on your policy {{1}}: you have a free-look period until {{2}}. During this window you can review the terms and request changes or cancellation as per policy conditions. If everything looks right, no action is needed. Questions? Reply here and our team will help.
First reminder in the premium cycle, sent 14 days before the due date with amount and payment link.
Premium reminder for policy {{1}}:
Amount: Rs. {{2}}
Due date: {{3}}
Pay any time before the due date to keep your cover uninterrupted. UPI, card and net banking are all accepted on the secure payment page.
Second reminder sent 3 days before the premium due date for customers who have not yet paid.
{{1}}, your premium of Rs. {{2}} for policy {{3}} is due on {{4}} — that is 3 days away. Paying on time keeps your waiting periods and no-claim benefits intact. It takes under a minute on the link below.
Final on-time reminder sent on the morning of the premium due date.
Premium due today
Today is the due date for policy {{1}}. Premium: Rs. {{2}}. Pay before midnight to avoid entering the grace period. If you have already paid in the last few hours, please ignore this message — receipts can take up to 2 hours to reflect.
Sent 3 days before a registered e-mandate auto-debit, as required for recurring payment notifications.
Auto-debit notice: Rs. {{1}} will be debited from your {{2}} account ending {{3}} on {{4}} towards the premium for policy {{5}}. Please keep sufficient balance. To change your payment method, reply here before the debit date.
Sent the day after a missed premium due date to inform the customer the grace period has begun.
Your premium for policy {{1}} was due on {{2}} and is now unpaid. Your grace period runs until {{3}} — cover continues during this window, but a claim may be affected as per policy terms. Pay Rs. {{4}} now to bring the policy back to fully paid status.
Pay pending premium
Need help
{{1}}TL-99231-004{{2}}21 Jul 2026{{3}}20 Aug 2026{{4}}24,200
Sent 7 days before the grace period ends, warning that the policy will lapse without payment.
Action needed: policy at risk
Important: policy {{1}} will lapse on {{2}} if the pending premium of Rs. {{3}} is not received. A lapsed policy means loss of cover, and revival later may need fresh medical checks. 7 days remain — one payment keeps everything as it is.
Last-day alert sent on the final date of the grace period before the policy lapses.
Final notice for {{1}}: the grace period on policy {{2}} ends today. Pay Rs. {{3}} before 11:59 PM to keep your cover, accrued benefits and waiting-period credit. After today the policy lapses and revival terms will apply. Reply HELP to talk to us right away.
Sent after a policy has lapsed, explaining the revival window and required steps.
Policy {{1}} lapsed on {{2}} due to non-payment. You can revive it within {{3}} by paying the pending premium with applicable revival charges. Depending on the gap, a declaration of good health or medicals may be required. Reply REVIVE and we will send the exact steps for your policy.
A Marketing-category WhatsApp template for recovering abandoned insurance quotes and applications — with variables, a mandatory opt-out line, buttons, approval tips and honest delivered-message pricing.
A copy-paste, Utility-category WhatsApp appointment reminder template for insurance appointments (medicals, KYC calls, advisor visits), with variables, Confirm/Reschedule buttons and Meta approval tips — send live in 24 hours with InfiQ.
A Marketing-category WhatsApp template that tells an opted-in insurance customer a plan, rider or quote they wanted is available again — personalised with name and product, with a one-tap button and a required opt-out line.
A Utility-category WhatsApp template that confirms a Cash-on-Delivery insurance dispatch — name, order ID and COD amount — with Confirm, Pay Now and Cancel buttons. Compliant, cheaper than marketing, and ready to approve and send via InfiQ.
A Meta-approved utility WhatsApp template that welcomes a new policyholder, confirms their policy is active, and guides them to their first step — issued in the utility category, personalised with brand, name and next action, ready to send in 24 hours via InfiQ.
A Utility-category WhatsApp template that tells insurance policyholders their policy document or card is out for delivery, with a live-tracking button and courier details — approval-ready and billable at Meta's utility per-message rate.
A Meta-approved WhatsApp event reminder template for insurance, sent as the cheaper utility category. Copy the message, fill the name/event/date/venue variables, add View details and Add to calendar buttons, and send it instantly after approval via InfiQ — billed per delivered utility message plus InfiQ's transparent ₹ pricing, ex-GST.
A utility-category WhatsApp template for insurance that collects a CSAT rating after a real service event (claim, renewal, support ticket) using tap-to-rate quick-reply buttons. Personalise it with the customer name and the specific interaction, submit it as utility, and send it through InfiQ on transparent ₹ pricing (ex-GST).
A Meta-approved Utility WhatsApp template that asks insurance customers to complete KYC for a specific policy, with a one-tap button to a secure upload link. Utility category means it bills at the utility per-message rate and needs sample variables plus a real triggering action to get approved.
A pre-built utility-category WhatsApp template that lets Indian insurance teams qualify inbound leads inside the 24-hour service window — personalise the name, product and qualifying question, add reply buttons, and send it via InfiQ on the WhatsApp Business API.
A copy-paste Marketing-category WhatsApp template for insurance loyalty rewards — with variables, an opt-out line, and approval tips — that you personalise and send on WhatsApp through InfiQ.
A utility-category WhatsApp template that confirms an insurance purchase (policy, add-on, or renewal) the moment payment succeeds — with policy number, premium paid and cover start date pre-slotted as variables, plus buttons to download the policy or reach support.
A ready-to-submit WhatsApp authentication template for insurance OTPs — copy-code button, {{1}} code and {{2}} brand variables, sample values, and approval tips. Authentication category, billed per delivered message plus InfiQ's transparent ₹ pricing (ex-GST). Live within a day via InfiQ.
A utility-category WhatsApp template that reminds insurance policyholders of an upcoming or overdue premium, with policy number, amount, and due date as variables and a Pay-now button — approved fast and billed per delivered utility message.
A Marketing-category WhatsApp template for insurance promotions (renewal discounts, rider add-ons, festive offers) with five variables, a required opt-out line, and approval tips — copy it, personalise, and send with InfiQ.
A marketing-category WhatsApp template to win back lapsed or dormant insurance customers — personalised, opt-out compliant, and approval-ready. Bills at the per-delivered marketing rate on InfiQ's transparent ₹ pricing.
A Meta-approved, utility-category WhatsApp template for telling insurance customers their policy kit, health card or welcome pack has shipped — with a live tracking button, ready to copy, personalise and send in about a day through InfiQ.
A compliant WhatsApp Utility template for insurance renewal reminders — policyholder name, plan, due date and premium as variables, with Renew now and Talk to advisor buttons. Approved as Utility because it is tied to a real upcoming policy event, so it delivers at the lower Utility rate plus InfiQ's transparent ₹ pricing.
Send the policy PDF as a document header on the issuance template — Meta approves it faster than a follow-up message with a bare link, and customers keep the file in the chat.
Split premium reminders into three separate templates (14 days, 3 days, grace period) instead of reusing one with a changing date variable. Distinct wording per stage keeps each template's read-and-reply rate visible in reporting.
Claim status templates get rejected when they sound promotional. Keep them to facts — claim number, stage, next action — and put reassurance in the footer, not the body.
Should premium reminders be Utility or Marketing templates?+
Reminders for an existing policy the customer already holds are Utility — they relate to an active agreement. A renewal message that pitches an upgraded plan or add-on cover is Marketing and needs an opt-out. Submitting a pitch as Utility is the most common rejection reason in this category.
Can I send claim settlement amounts over WhatsApp?+
Yes. Settlement confirmations with the approved amount, claim number and payout date are standard Utility notifications. Avoid promising amounts before approval — send stage updates instead, and confirm the figure only once it is sanctioned.
How do I handle IRDAI compliance in template copy?+
Keep templates to service facts: dates, amounts, claim stages, document requirements. Avoid comparative claims, assured-return language or benefit projections in outbound messages. Most insurers also add their registered name and IRDAI registration number to the footer of marketing templates.
Can agents use these templates or only the insurer?+
Both, as long as messages go out from a verified WhatsApp Business API number. Agencies typically run one number with agent name as a variable, so the customer sees who services their policy. InfiQ supports this on every plan; the 7-day free trial to test your first submissions is on the Lite plan (Growth and Enterprise are paid from day one).
