# Policy-grade messaging for insurers and InsurTech. - Canonical URL: https://www.broadnet.me/solutions/insurance - Language: en - Publisher: BroadNet (https://www.broadnet.me) - Markdown version of the page above, generated from the rendered page. Industry · Insurance Renewal and premium-due reminders, claims-status updates, FNOL acknowledgements, document requests and fraud alerts — for insurers, brokers and third-party administrators. Consent-scored, PDPL-aligned, with deep-links that keep policy data out of the message body. [Talk to an insurance specialist](https://www.broadnet.me/contact?industry=insurance) [Explore WhatsApp Business](https://www.broadnet.me/products/whatsapp-business-api) Insurance traffic · at a glance 1,000+ Direct operator connections Direct binds in 86 countries PDPL Consent ledger Per-jurisdiction, timestamped + exportable 23 yrs Regulated messaging Carrier-grade since 2003 200+ Countries served From a single API key Policyholder messaging that respects the data and the regulator alike. Insurers and administrators running on BroadNet Insurance group, Middle East Regional health-insurance provider Motor & general insurer, GCC Cross-border InsurTech platform Third-party claims administrator Bancassurance programme Takaful operator Reinsurance-backed MGA Use cases ## Every policyholder message, from quote to claim. The same orchestration that acknowledges a first notice of loss in seconds also runs your renewal reminders, premium-due nudges and document chases — with the consent guardrails regulated insurance demands. ### Renewals & lapse prevention Timed WhatsApp and SMS reminders ahead of the premium-due date, with a one-tap renew deep-link — improving persistency and cutting avoidable lapse. T-30 · T-7 · T-1 Renew deep-link Quiet hours ### Claims status FNOL acknowledgement through to settlement — each stage pushed with a secure deep-link to the claims portal, never the claim data itself. FNOL ack Portal deep-link PII-scrubbed ### Premium & payment reminders Instalment-due, grace-period and payment-confirmation notices with a pay-now link — routed through the cheapest channel that reliably delivers. Instalment alerts Pay-now link Multi-currency ### Document & KYC requests Missing-document chases, medical-form links and KYC re-verification flows — with upload deep-links and status back into your policy admin system. Upload deep-link PAS webhook Audit-logged ### Fraud & risk alerts Suspicious-claim and unusual-activity alerts to policyholders and adjusters in seconds, with sender-ID protection against impersonation. Real-time Sender-ID protected Two-way ready ### Conversational servicing Policy questions, cover changes and claim intake on WhatsApp Business with agent handoff for complex cases — fully two-way and history-preserving. Official Meta BSP Agent handoff Multi-language Compliance ## Conduct-aligned by default. Insurance messaging is watched by conduct regulators and data-protection authorities alike. Every send is consent-scored, logged and signed — and policy data stays in your admin system, not in the message body. CBUAE CBUAE / SAMA conduct Aligned to UAE (CBUAE) and KSA (SAMA) insurance market-conduct expectations for policyholder communication, disclosure and treating customers fairly. Attestation available on request PDPL UAE & KSA PDPL Federal Decree-Law 45/2021 and KSA PDPL 2023 — consent ledger, lawful-basis tagging and cross-border data restrictions enforced in-flight. Attestation available on request GDPR GDPR & CCPA EU GDPR Article 28 DPA, UK GDPR and California CCPA/CPRA addenda available for insurers writing cross-border risk. Attestation available on request TDRA TDRA sender-ID rules Alphanumeric sender-ID registration, promotional AD- prefix and 7am–9pm GST sending window enforced automatically for UAE traffic. Attestation available on request ISO ISO/IEC 27001:2022 Information-security management certified across Dubai, Frankfurt and Singapore data-centre estates. Attestation available on request SOC 2 SOC 2 Type II Security, availability and confidentiality criteria, audited continuously across a 12-month observation window. Attestation available on request Case study · regional insurer ## Renewal reminders moved to WhatsApp, with pay-now deep-links in every message. Challenge: Renewal notices went out by email and post, with policy lapse concentrated among policyholders who never opened them. Approach: A regional insurer moved renewal and premium-due reminders onto BroadNet's WhatsApp + SMS orchestration with renew and pay-now deep-links and a per-jurisdiction consent ledger. Reference available under NDA. [Read the full story](https://www.broadnet.me/customers) [See WhatsApp Business](https://www.broadnet.me/products/whatsapp-business-api) Channel mix ## The channel mix insurers actually run. Insurance leans on WhatsApp for the rich, two-way servicing and claims moments, SMS for universal-reach reminders that must land on every handset, and Voice for high-touch claims and elderly policyholders. ### WhatsApp Business Claims intake, servicing and renewals — branded, two-way, high open rate. ### SMS Universal reach for premium-due, lapse warnings and OTP portal access. Every policyholder, every handset. ### Voice & flash-call High-touch claims callbacks, accessibility for elderly policyholders and OTP failover. Architecture ## From policy admin to the policyholder's pocket. One REST call from your policy admin system, claims platform or CRM. BroadNet handles channel selection, template hydration with deep-links, failover and DLR reconciliation — and never sees policy data in the message body. Insurer PAS · claims · CRM BroadNet Routing · consent-aware Carrier / Meta Direct route Policyholder Portal deep-link 01 · Ingest Webhook from Guidewire, Sapiens, a bespoke PAS or your CRM. Policy-id-keyed, template-pinned, data stays in your system. 02 · Decide WhatsApp if reachable; SMS otherwise. Consent and quiet-hour check per jurisdiction; hydrate template with a signed portal deep-link. 03 · Deliver Direct Meta or MNO route. DLR back to your PAS within seconds. Cryptographically sealed audit log retained per PDPL. Why insurers pick BroadNet ## Built for the conduct team too. - Deep-link template manager — policy and claim data never lands in a message body, only a signed link to your portal. - Per-jurisdiction consent ledger across SMS, WhatsApp and Voice, with every opt-in and opt-out timestamped and exportable. - Sender-ID protection so your brand cannot be spoofed by claims-fraud and phishing actors. - PAS / claims / CRM webhooks for Guidewire, Sapiens and custom stacks — no glue code. - AED, SAR, USD and EUR billing with volume tiers from 100k messages a month upward. Built for your industry ## Your industry, on a carrier-grade network. Compliant, reliable messaging tuned to your sector — across MENA, Africa and Asia. 200+ Countries 60,000+ Enterprises Since 2003 Operator-direct [Talk to sales](https://www.broadnet.me/contact) Questions ## The questions buyers ask most. **How does BroadNet keep policy and claim data out of messages? +** The template manager enforces a data-light pattern: the message carries a signed, expiring deep-link to your policyholder portal, and the sensitive data stays in your policy admin or claims system. Nothing beyond what a policyholder needs to recognise the message travels over the wire, which keeps you inside PDPL and GDPR data-minimisation expectations. **Can you handle renewals across multiple markets and currencies? +** Yes. A single template manager covers your full renewal lifecycle across markets, with per-jurisdiction consent, quiet-hour and sender-ID rules applied automatically, and billing in AED, SAR, USD or EUR. Insurers typically consolidate several country-level SMS contracts onto one BroadNet agreement. **Is WhatsApp appropriate for claims and servicing? +** For most personal-lines servicing, yes — as an official Meta Business Solution Provider we run branded, two-way WhatsApp with agent handoff for complex cases. Because the data stays behind a portal deep-link, the conversational layer never becomes a data-protection liability. **What regulators do you align to for insurance? +** For market conduct we align to UAE (CBUAE) and KSA (SAMA) insurance expectations around policyholder communication and treating customers fairly; for data protection we hold ISO 27001 and SOC 2 Type II and operate PDPL and GDPR consent ledgers. We do not claim PCI-DSS — payment-card handling stays with your payment provider behind the pay-now link. **How do fraud alerts avoid being spoofed? +** Alerts go out on registered, sender-ID-protected routes on your brand, so impersonators cannot reuse your sender identity on direct operator routes. Combined with delivery receipts, that gives your fraud team a defensible record of exactly what was sent and when. **How fast can a third-party administrator go live? +** A TPA sending FNOL acknowledgements and status updates through our REST API is typically live in under four weeks, including sender-ID registration in each market. The claims webhook maps closely to common claims-platform event shapes, so the integration is usually a small piece of work. Insurance-grade SLA ## Move your policyholder messaging onto carrier-grade rails. Talk to our insurance team about routing, consent, deep-link templates and pricing for renewal, claims and servicing workloads. Most insurers are live in under four weeks. [Talk to an insurance specialist](https://www.broadnet.me/contact?industry=insurance) [Download compliance pack](https://www.broadnet.me/compliance) $ curl -X POST https://api.broadnet.me/sms/sendSms