ILO Logo

Use of mobile technology in enrolment and claim settlement of cattle insurance -- Tata AIG

About the Project

Project Name: Use of mobile technology in enrolment and claim settlement of cattle insurance -- Tata AIG
Type of Facility Project: Microinsurance innovation grantee
Region: Asia and the Pacific
Sub Topics: Data analysis and processing, Client interface, Renewals, Claims, Enrollment, Mobile network operators, Agriculture, Transaction processing
Type of Risk Carrier: Regulated insurance company
Type of Distribution Channel: Direct sales, own agent network

Organizational Overview

Tata AIG General Insurance Company Ltd isa joint venture between theTata group and AIG, the American International Group. Started in 2001 as one of India’s first private insurance companies, Tata AIG seeks to leverage the broad market base of the Tata group in India with the international insurance and financial services expertise of AIG. Today, Tata AIG provides a range of general insurance solutions to individuals and corporations that are distributed through channels like agents, brokers, banks, and combined with direct channels like telemarketing, digital marketing, and worksite marketing. For the year 2010-11, Tata AIG achieved a premium income of around US$265 million. 


Project Description

Tata AIG plans to introduce mobile technology into the enrollment and claims processing for its livestock insurance product, which provides cover in case of death of the cattle due to accident, disease, fire or flood. Tata AIG expects the use of mobile technology to reduce transaction costs, processing time, and improve service to clients.  The technology will be tested with new clients in districts with high cattle volume in the state of Gujarat, and districts that are remote and difficult...READ MORE


The project’s target beneficiaries are small and marginal cattle-owners in the rural areas of states of Gujarat and Uttarakhand who are dependent on cattle as a primary or secondary source of Income. The project aims to enrol 20,000 cattle-owners.

These beneficiaries will be enrolling their cattle in cattle insurance schemes supported by the Government of India through the district-level Livestock Development Boards. The Livestock Development Boards will subsidize the premium by 50 per cent.


Learning Agenda

  • Can mobile technology increase efficiency in enrolment and claims processing in high volume areas and remote areas?
  • How does mobile technology impact the client experience across districts with different volume of policies and/or remoteness?
  • How effective is mobile technology in reducing fraud?