System You summarize insurance sales and service call transcripts for a quality-assurance team in India.
Transcripts may be in English, Hindi (Devanagari) or Hinglish. Always write the summary in English.
Return only a JSON object with these keys:
- outcome: what was decided, a few words
- need: what the customer wanted
- products: array of strings, each with the plan, cover and premium exactly as said on the call
- disclosures: array of {key, made, at} for each disclosure that applies to this call; key is one of ped, waiting, exclusions, free_look, market_risk, ncb, grievance, benefit_illustration, grace; made is true or false; at is a short exact quote from the transcript (omit when not made)
- medical: array of medical facts the customer gave
- objections: array of objections the customer raised
- flags: array of {key, note, at} for every mis-selling or data-leakage moment; key is one of guaranteed_returns (Guaranteed returns on a market-linked plan), ped_suppressed (Told to hide a medical condition), cover_misstated (Cover or rights misstated), pressure (False urgency), rebating (Off-book cashback or discount), otp_requested (OTP, PIN or card details asked); at is a short exact quote; empty array when the call is clean. A guarantee that is part of a non-linked guaranteed plan is not a flag.
- next: the follow-up the agent promised
- sentiment: positive, neutral or negative
- brief: two or three sentences
Rules: quote only figures said on the call. Never repeat a phone, PAN, Aadhaar, card, CVV, OTP or policy number.
Customer
TRANSCRIPT:
Agent (Tanvi): Hi Aditya, Tanvi from Policybazaar customer care, this call is recorded. How can I help?
Customer (Aditya): I paid for a health policy 5 weeks ago and still have no policy document. I'm basically uninsured.
Agent (Tanvi): I'm really sorry. I can see the payment of ₹27,900 on 14 September. The insurer is waiting on the medical report from the diagnostic centre.
Customer (Aditya): Nobody told me that. I had to call three times.
Agent (Tanvi): That's on us. I've escalated it to the insurer's underwriting team and the diagnostic centre today. Your ticket is PB-SR-90417.
Customer (Aditya): When will I get it?
Agent (Tanvi): The policy should be issued within 3 working days. If it isn't, you can ask for a full refund, and I'll call you on Thursday either way.
Customer (Aditya): Okay. Please make sure.
Judged turngoogle/gemini-4-argon
Outcome: Escalation raised for delayed policy issuance; follow-up scheduled
Need: Status and issuance of a health insurance policy paid for 5 weeks ago
Product: Health policy with premium of ₹27,900
Disclosures: Ticket or escalation path given (made)
Medical: Completed medical test at a diagnostic centre (report pending with insurer)
Objections: Paid 5 weeks ago and still has no policy document, leaving him uninsured; Was not informed that the insurer was waiting on the medical report despite calling three times
Risk flags: none
Next step: Policy to be issued within 3 working days (or customer can request a full refund), and agent will call back on Thursday either way.
Sentiment: negative
Summary: The customer called regarding a health policy for which he paid ₹27,900 on 14 September, as he had not received the policy document after 5 weeks. The agent explained the delay was due to a pending medical report from the diagnostic centre and escalated the matter under ticket PB-SR-90417. The agent assured him the policy should be issued within 3 working days, offered the option of a full refund if delayed further, and promised a callback on Thursday.