AI for Insurance • Life & Non-life

Every Interaction Becomes Evidence.

AI-powered Compliance and Voice Intelligence for insurance organisations in Thailand –
reducing mis-selling, fraud and PDPA risk across contact centers, telesales, underwriting and claims.

Truth Infrastructure for Insurance.

Insurance • Compliance • AI

From Traditional Insurance to AI-Driven, Evidence-Ready Operations

Insurance has always been about risk and trust. In a world of PDPA, complex products and social media, trust now depends on whether every interaction can be explained, proven and audited – not just remembered.

Vasvox helps life and non-life insurers in Thailand turn conversations, documents and digital footprints into AI-ready evidence – so Compliance, Risk, Underwriting and Claims teams can see the same truth in real time.

Life insurance

Complex riders, long-term promises and sensitive health data across branches, agents and remote channels.

Non-life / health

High-volume claims, fraud pressure and fast-changing products in motor, health and specialty lines.

Brokers & telesales

Distributed sales forces, outsourced centres and reputational risk from just one call going wrong.

Compliance & audit

Limited teams asked to oversee millions of interactions under PDPA and sector-specific regulations.

Pain Points in Today’s Insurance Landscape

The more products, channels and regulations you have, the more blind spots appear – unless AI helps you listen to every interaction with a compliance mindset.

Mis-selling & incomplete explanation

Customers often do not fully understand exclusions, waiting periods or claim conditions. Over-promising or skipping key details leads to complaints and regulatory scrutiny.

Claims fraud & fake documentation

Fraudulent claims and manipulated documents are hard to spot with manual review alone, especially when volumes spike or new fraud patterns emerge.

PDPA & sensitive health data

Health, medical and financial data are highly sensitive under PDPA. Any misuse or uncontrolled sharing creates serious legal and reputational risk.

Compliance workload exploding

Compliance and QA teams are expected to monitor voice, chat, email, video and branches – but still rely on manual sampling of a tiny fraction of interactions.

Inconsistent customer experience

Some agents deliver world-class experiences, others create silent churn. Without deep analytics, it’s impossible to know what “good” really looks like.

Reputational risk in the social era

One call recording shared online can trigger a storm. If you cannot find and show the full digital evidence in seconds, defending your brand becomes much harder.

When AI Becomes the New Core of Insurance

Insurance used to rely on historical statistics and group averages.
With AI, it can operate on real-time data and individual risk signatures – across underwriting, claims and customer interactions.

AI underwriting – beyond traditional scoring

Combine structured data with behavioural, interaction and lifestyle signals to build more granular, fair and dynamic risk profiles:

  • Analyse health, lifestyle and financial behaviour together
  • Detect patterns invisible to manual review of spreadsheets
  • Move from group averages to personalised risk views

AI claims & fraud – faster, safer, smarter

Let AI pre-screen documents, images, voice notes and context to flag anomalies:

  • Cross-check new claims against historical data and networks
  • Identify abnormal frequency, amounts or patterns per policyholder
  • Fast-track low-risk claims while focusing experts on suspicious ones

AI voice & chat analytics – listening with intent

Automatically analyse 100% of interactions across voice, chat and video:

  • Detect mis-selling, mis-advice and incomplete disclosure
  • Check script adherence and regulatory wording in real language
  • Track sentiment and experience trends over time by segment

AI Compliance Policy Engine – from sampling to Auto Compliance

Vasvox’s AI Compliance Policy Engine, powered by Azure OpenAI, translates internal policies and regulations into real-world language patterns:

  • Score each interaction as low / medium / high risk
  • Flag risky cases with full evidence for Compliance review
  • Auto-generate case files ready for audit and remediation

Learn more at AI Compliance Policy Engine.

A Transparency Architecture for Insurers

Vasvox is designed as a Transparency Architecture for insurance – turning every interaction into auditable, PDPA-aware digital evidence while reducing manual workload through AI.

  • Omni-Channel Compliance Recording – voice, chat, video, screen
  • Evidence Intelligence – unified search across channels and systems
  • AI Compliance Engine – mis-selling, fraud and PDPA risk detection
  • Insight Dashboards – risk, quality and experience in one view

For insurance organizations, creating a foundation of auditable, tamper-proof communication evidence is not just a regulatory requirement — it is essential to maintaining long-term customer trust. Vasvox’s Transparency Architecture ensures that every interaction across every channel is captured in full detail, easily traceable, and ready to support complaint resolution or regulatory reviews at any moment.

Beyond recording, AI analyzes deeper behavioral signals — tone, emotional pressure, misleading patterns, and missing mandatory disclosures — providing real-time risk insights for Compliance, QA, and Executive teams. This enables frontline agents and insurance advisors to communicate more ethically, consistently, and confidently while protecting both the customer and the organization.

Built on Microsoft Azure and ASC Recording Insights, aligned with global standards and tailored for Thai regulatory expectations.

Vasvox AI for Insurance Architecture Diagram

Example architecture – can be tailored to your current contact center, CRM and policy admin systems, including hybrid or local-cloud deployment in Thailand.

Key Use Cases for Life & Non-Life Insurance

One platform, many teams – from front-line sales and service to compliance, underwriting, claims and fraud investigation.

1. Mis-selling & mis-advice detection

Analyse sales and telesales calls to see whether benefits were overstated, exclusions skipped or consent not properly obtained. High-risk calls are flagged automatically.

2. Fair collection & retention

Monitor collections and retention activities for tone, wording and frequency. Detect behaviours that may breach fair collection guidelines before they become complaints.

3. Claims fraud & anomaly detection

Use AI to detect suspicious patterns – repeated claims, inconsistent stories, networks of related claimants – and prioritise investigations where loss risk is highest.

4. PDPA monitoring for health & financial data

Track how sensitive data is discussed and shared across channels. Flag when conversations cross the line of purpose, necessity or consent.

5. Investigation & evidence packs

When an incident or regulatory request arises, assemble a complete evidence pack – voice, chat, email, screen – into one case file for legal and compliance teams.

6. Real-time coaching & quality assurance

Turn analytics into coaching triggers and scorecards. Move QA from random sampling to 100% analysis, and share “gold standard” interactions with the field.

Measurable Impact for Insurance Business

  • Reduce mis-selling and mis-advice incidents by 40–70%
  • Cut processing time for standard claims by 50–80%
  • Significantly lower fraud losses through earlier detection
  • Reduce Compliance & QA operating costs by 30–50%
  • Strengthen trust with customers, regulators and partners

Start with a Focused Pilot, Then Scale

Vasvox supports a phased roadmap: start with a narrow use case – for example:

  • 50–100 telesales seats for mis-selling detection, or
  • Selected claims lines for fraud analytics, or
  • PDPA monitoring for health-related conversations

Once value is proven, we help you scale across lines of business and channels – without ripping and replacing your existing core systems.