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12 Best AI Chatbots That You Can Use for Your Insurance Company

Best AI Chatbots That You Can Use for Your Insurance Company can feel noisy and crowded from the outside. This guide walks through what best ai chatbots that you can use for your insurance company are, where they actually help, and what to watch out for. It keeps things friendly and practical so you can focus on making smarter, calmer decisions about AI in your business, not on decoding jargon.
Alia Soni
Assistant Manager at Kaily
Reviewed by:
Kritika Singhania
July 8, 2025
15 min
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A chatbot created by German insurance company VHV Versicherungen, Mia was built in response to the company's desire to improve its support of customers who today expect 24/7, always-available support and service.

By 2022, there were more than forty insurers in the United States that were utilizing chatbots in everyday operations. The implementation of chatbots in insurance firms is improving customer experience by allowing customers to research and purchase policies, pay bills and make payments, and efficiently file claims.

Mili is the name of the Max Life Insurance chatbot.

Waystar has unveiled a new generative AI solution that aims to help hospitals rapidly combat insurance denials. The company's new solution—AltitudeCreate—uses generative AI to automatically draft appeal letters, which are expensive and time-consuming to do manually.

Cigna Corporation and Cigna Health and Life Insurance Company (Cigna) were sued in a U.S. District Court in 2023, after a ProPublica article indicated that they had denied plan participant claims based on PxDx algorithms, without review by Cigna physicians.

AI-driven healthcare chatbots are considered "covered entities" in some contexts, and HIPAA compliance guidelines establish the legal manner in which these chatbots can use protected health information (PHI) and secure it.

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