Sunday claim.
You're still there.
Whoever reports a claim wants to speak now — not Monday at 9 am. For insurance brokers and agencies, after-hours reachability is a competitive factor. fonea captures claims in structured form, qualifies enquiries, books consultations, and filters routine calls from urgent matters — 24/7, multilingual, FADP-compliant with Swiss data hosting.
What is fonea for insurance brokers?
fonea is an AI phone assistant that, for Swiss insurance brokers, captures claims, qualifies enquiries, books consultations, and immediately routes urgent matters to the responsible advisor — without giving insurance advice. FADP-compliant with Swiss data hosting.
The brokerage reality
Why classic phone solutions fail brokers
Claims happen at night and on weekends
Water damage, glass breakage, liability incident: 40% of urgent claims arrive after hours. Whoever lands on voicemail then calls a competitor the next day.
40% of claims after hours
Routine calls block the advisor
Address changes, policy copies, status checks, billing questions: 60% of calls are pure routine — costing the advisor concentration and consulting time better spent at CHF 200+/hour.
Seasonal peaks are unplannable
Hailstorm, natural disaster, ski season: peak periods double call volume short-term. Building seasonal staff is hardly feasible in the Swiss labour market.
Claims capture is structured — when somebody captures it structured
Insurers expect clean claim notices with date, time, location, sequence of events, witnesses, estimated damage. Improvising on the phone produces queries and delays.
What changes
How fonea relieves your brokerage
No claim lost after hours
fonea captures claims 24/7 in structured form — date, time, location, sequence, estimated damage. Immediately as email or structured CRM record.
No insurance advice from AI
fonea never gives information on coverage, deductibles, or interpretation of policy terms. Such questions are captured structured and escalated to the responsible advisor. FINMA duties remain respected.
Consultation appointments straight into the calendar
First consultations, policy reviews, retirement planning: fonea sees all advisors' availability and books without callback. Includes CRM entry with concern and prep notes.
Clean triage between claim, routine, and consultation
Claim → structured notice + immediate escalation. Routine (address, policy copy) → handled automatically. Consultation request → appointment booked. Three clearly separated paths.
Set up in 30 minutes
How we configure fonea for your brokerage
Kick-off & brokerage profile
We capture your lines (property, daily-allowance, pension, life, motor, liability), book allocation, top call types, and the claim/routine/consultation ratio.
Scripting & triage logic
We write claim-capture scripts per line, routing to the right case worker, and clear escalation paths — in German, French, and Italian.
CRM and calendar integration
Connect your CRM (Salesforce, HubSpot, broker-specific systems), calendar (Microsoft 365, Google), and claims system. Call forwarding via Swisscom, Sunrise, or Salt.
Test call & go-live
You run live claim, routine, and consultation scenarios. After fine-tuning we go live. Scripts and escalation paths can be edited any time.
Typical call scenarios
How fonea handles brokerage calls
Water damage claim — Sunday 10:30 pm
Structured initial capture + immediate safety hints + clear expectation for follow-up.
Routine — address change
Routine work without advisor effort. Quick, polite handling — case worker sees CRM entry and finalises.
Retirement consultation appointment
Consultation booked, prep briefing supplied — advisor starts the session prepared.
FINMA, FADP, and insurance contract law
Why fonea is the right partner for insurance brokers
No insurance advice from AI
fonea never gives information on coverage, deductibles, or interpretation of policy terms. Such questions are captured structured and forwarded to the responsible advisor. FINMA duties and ICA rules remain respected.
FADP-compliant with Swiss data hosting
Customer and claims data sit in Switzerland. Transient voice processing on EU servers with adequate data-protection level. Extended DPA clauses on request.
Audit-ready claims capture
Every claim notice is structured (date, time, sequence, estimated amount), incl. recording notice and consent log — fits compliance requirements.
No voice ID, no biometrics
fonea creates no voice profiles. Transcripts encrypted with configurable retention (default: 90 days).
Precios
Precios transparentes
Incluido
- 120 minutos de conversación IA incluidos
- DE, FR, IT, EN, ES + alemán suizo
- Integración con calendario y reserva de citas
- Contestador IA 24/7
- IA interactiva para atención al cliente
- Notificaciones por email y SMS
- Cancela cuando quieras, sin permanencia
Incluido
- 500 minutos de conversación IA
- 3 llamadas simultáneas
- 3 números de teléfono
- Asistentes ilimitados
- Usuarios ilimitados
Funciones
- Todo de Basic
- Llamadas salientes
Incluido
- Desde 2.000 minutos
- Llamadas simultáneas a medida
- Números a medida
- Asistentes ilimitados
- Usuarios ilimitados
Funciones
- Todo de Professional
- Voz personalizada
- Zero Data Retention
- SLA a medida
Frequently asked
What brokerage owners need to know before using fonea
Is an AI assistant allowed to give insurance advice?
No — and that is exactly why fonea deliberately does not. Insurance advice under the ICA is reserved for brokers, agents, and qualified advisors. fonea captures claims structured, qualifies first enquiries, and books appointments — every substantive advisory question is escalated to your advisor immediately.
How is a claim captured in structured form?
fonea asks for policyholder, date/time of claim, location, sequence, affected persons/items, estimated amount, witnesses, and police report status. The data structure matches Swiss insurer requirements — you receive the report as email or directly as CRM entry.
Does fonea work with our CRM?
fonea connects to common CRM systems — Salesforce, HubSpot, Microsoft Dynamics, Bsi, and broker-specific systems. We confirm the integration in the kick-off. If a direct connector is missing, handover runs reliably via email or webhook.
Is fonea FADP-compliant for insurance data?
Yes. Persistent data (customer, claim, appointments) sit in Switzerland. Transient voice processing in EU data centres with adequate protection level. The revFADP, GDPR, and Insurance Supervisory Act data-protection requirements are fully respected. Extended DPA clauses on request.
How does fonea handle seasonal peaks (e.g. hailstorm)?
fonea scales without limit and without hiring. In a storm event, calls jump from 60 to 200 — all answered in parallel, captured structured, and escalated by urgency. You only pay for actual call time.
Does fonea understand Swiss German and multiple languages?
Yes. fonea understands Swiss German in all dialects and replies in Swiss Standard German. Plus French, Italian, English, and Spanish — important for portfolios in Romandy, Ticino, and for expat customers.
Can we adapt claim capture to specific insurer requirements?
Yes. Per line combination (property, motor, liability, KTG, pension) we configure individual mandatory fields and claim codes. If e.g. Mobiliar or Allianz Suisse demands specific fields, we model this in the script.
What happens if a customer requests a contract change?
fonea captures the change request structured (policy number, requested change, desired effective date) and forwards to the responsible advisor. The legally binding change happens through advisor or insurer — fonea only takes the request.
Further reading
Versicherungsagentur: Kein Lead, kein Schaden geht verloren
KI-Telefonassistent für Versicherungsagenturen: Leads qualifizieren, Schadensmeldungen erfassen, Policen-Auskünfte automatisieren. FINMA-konform.
DSG und KI-Telefonie: Was Sie wissen müssen
Das Schweizer DSG stellt eigene Anforderungen an KI-Telefonie. 6 Pflichten, persönliche Haftungsrisiken und Checkliste für DSG-konforme Anbieter.
24/7 erreichbar ohne Nachtschicht: 5 Wege für KMU
24/7 erreichbar als Schweizer KMU: 5 Ansätze von Mobilweiterleitung bis KI-Telefonassistent. Mit Kostenvergleich und Entscheidungshilfe.
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