Bulk SMS for Insurance Companies and Agents

Q: What can insurance companies send by SMS?

Insurers use SMS for premium-due and policy-renewal reminders, claim-status updates, login and transaction OTPs, maturity and bonus intimation, KYC and document reminders, and promotional cross-sell offers. SmsHorizon has supported messaging like this for 3,000+ businesses across India since 2011.

Q: Do renewal reminders and OTPs reach DND numbers?

Yes. Premium reminders, claim updates and OTPs go out on transactional routes, which reach all numbers including those on the DND registry. Promotional cross-sell offers go on promotional routes and reach non-DND and opted-in numbers, within the TRAI 10am to 9pm window.

Q: Is your API built for high-volume OTP and 2FA?

Yes. Our HTTP and SMPP APIs handle the high throughput insurers need for portal logins, payment confirmations and 2FA, with priority transactional routing, sub-3-second OTP delivery and detailed delivery reports.

Q: Can agents and branches send under one account?

Yes. You can run a single account for head office and give agents and branches their own logins and templates, with a shared sender ID and centralised reporting, or set up separate accounts where that suits your structure better.

Q: Do you help with DLT registration?

Yes, free of charge. TRAI requires entity, header and template registration on the DLT portal for all commercial SMS under the TCCCPR rules. Our team walks you through the process and handles the paperwork.

Q: Which mobile networks do you cover?

We deliver across every major network, including Jio, Airtel, Vi and BSNL, over direct operator routes. Transactional and OTP messages reach all numbers, including DND, while promotional sends follow TRAI DND rules and the 10am to 9pm window.

Q: How much does bulk SMS cost for insurers?

Bulk SMS is pay-as-you-go: you pay per message and the rate falls as your volume grows, with no setup fee or monthly rental. Transactional, OTP and promotional routes are each priced per SMS, and a longer message counts as more than one SMS. See our pricing page for current rates.

Messaging that keeps policies active and claims moving

Insurance runs on timely, trusted communication. A lapsed-renewal SMS saves a policy, a claim-status update calms a worried customer, and an OTP secures every portal login and payment.

Insurers, brokers and individual agents all face the same need: reach the right policyholder at the right moment, reliably, across every network. SmsHorizon has delivered exactly that kind of messaging since 2011, for 3,000+ businesses across India.

Why insurers choose SmsHorizon

Time-critical delivery: Sub-3-second OTP and renewal-reminder delivery on direct telco routes.
Reaches DND numbers: Premium reminders, claim updates and OTPs go transactional, so they reach every policyholder.
High-throughput API: HTTP and SMPP APIs for portal logins, payment confirmations and bulk renewal runs.
DLT done for you: Free help with entity, header and template registration on the TRAI DLT portal.
Agent and branch friendly: One account for head office, with logins and templates for agents and branches.
Reliable delivery: 99.9% uptime with real-time delivery reports and webhooks.

Transactional, promotional and OTP SMS for insurance

Transactional SMS carries premium-due reminders, claim-status updates, maturity and bonus intimation and OTPs at the highest priority, day or night, reaching all numbers including DND. See transactional SMS.

Promotional SMS reaches your customer base with new-policy launches and cross-sell offers within TRAI's daytime window, to non-DND and opted-in contacts. See promotional SMS.

Login OTPs and high-volume renewal and alert traffic run through our SMS API. Every route is DLT-compliant and registered with TRAI under the TCCCPR rules, and deliverable across Jio, Airtel, Vi and BSNL.

	Transactional SMS	Promotional SMS
Used for	OTPs, renewal reminders, claim updates	New-policy launches, cross-sell offers
Delivered to	All numbers, including DND	Non-DND and opted-in numbers
Sending hours	24x7	10am to 9pm (TRAI window)
Sender ID	Branded 6-character header	Branded 6-character header

2011

In business since

3,000+

Businesses across India

<3s

Typical OTP delivery

99.9%

Delivery uptime

Use cases

How insurers use bulk SMS

From the first quote to renewal and claim, here is how insurance teams put SMS to work every day.

Premium & renewal reminders

Nudge policyholders before the premium-due date and through the grace period so cover does not lapse, on routes that reach DND numbers.

Claim-status updates

Keep customers informed at each stage, claim registered, documents received, surveyor assigned, approved or settled, without a single phone call.

OTP & 2FA

Sub-3-second one-time passwords for customer-portal logins, payment authorisation and policy changes, over a high-throughput API.

Maturity & bonus intimation

Tell policyholders when a policy matures, a survival benefit is due or a bonus is declared, with the amount and next steps.

KYC & document reminders

Chase pending KYC, nominee details, medical reports and signed forms so proposals and claims do not stall.

New policy & cross-sell offers

Promote new plans, riders and cross-sell offers to opted-in customers within the TRAI window, on promotional routes.

Platform

Why SmsHorizon for insurance

A complete bulk SMS platform for insurers, brokers and agents, from branded sender IDs and DLT templates to the panel, API and delivery reports.

Branded sender IDs

Agent & branch logins

Run head office, branches and agents under one account, with shared templates and centralised reporting.

Panel & API

Send from a simple web panel or wire the HTTP and SMPP API into your policy-admin and CRM systems.

Scheduling

Queue renewal runs and birthday or anniversary touches for the right day and time.

Delivery reports

Live delivery receipts for every reminder and OTP, with downloadable reports and webhooks.

DLT templates

Reusable, approved templates for premium reminders, claim updates, OTPs and offers.

Regional languages

Reach policyholders in their own language with full Unicode support alongside English.

DLT & TCCCPR compliant

Every route is registered with TRAI under the TCCCPR rules, with free help to get you set up.

FAQs

Bulk SMS for insurance, common questions

What can insurance companies send by SMS?

Insurers use SMS for premium-due and policy-renewal reminders, claim-status updates, login and transaction OTPs, maturity and bonus intimation, KYC and document reminders, and promotional cross-sell offers. SmsHorizon has supported messaging like this for 3,000+ businesses across India since 2011.

Do renewal reminders and OTPs reach DND numbers?

Yes. Premium reminders, claim updates and OTPs go out on transactional routes, which reach all numbers including those on the DND registry. Promotional cross-sell offers go on promotional routes and reach non-DND and opted-in numbers, within the TRAI 10am to 9pm window.

Is your API built for high-volume OTP and 2FA?

Yes. Our HTTP and SMPP APIs handle the high throughput insurers need for portal logins, payment confirmations and 2FA, with priority transactional routing, sub-3-second OTP delivery and detailed delivery reports. See the SMS API page for details.

Can agents and branches send under one account?

Yes. You can run a single account for head office and give agents and branches their own logins and templates, with a shared sender ID and centralised reporting, or set up separate accounts where that suits your structure better.

Do you help with DLT registration?

Yes, free of charge. TRAI requires entity, header and template registration on the DLT portal for all commercial SMS under the TCCCPR rules. Our team walks you through the process and handles the paperwork.

Which mobile networks do you cover?

We deliver across every major network, including Jio, Airtel, Vi and BSNL, over direct operator routes. Transactional and OTP messages reach all numbers, including DND, while promotional sends follow TRAI's DND rules and the 10am to 9pm window.

How much does bulk SMS cost for insurers?

Bulk SMS is pay-as-you-go: you pay per message and the rate falls as your volume grows, with no setup fee or monthly rental. Transactional, OTP and promotional routes are each priced per SMS, and a longer message counts as more than one SMS. See our pricing page for current rates.

Across India