SIRA · Products · Personal Accident
Live customer journey · 27 turns · voice or text

“I had a minor car accident. Am I still eligible?

The sharpest eligibility test in the set. The customer says “minor car accident”, gets declined, clarifies it was a near-accident three years ago — and SIRA correctly reverses the decision instead of sticking with its first answer.

RJ
Ravi Joshi
Designer, 25 · Singapore
Ravi is a 25-year-old designer (born 2001) looking for single cover with no family add-ons and no similar existing policies. He plays badminton and hikes occasionally, wants to know what is excluded, and discloses an accident — first as “a minor car accident”, then correctly as a near-accident three years ago.
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SIRA
Online · replies instantly
Hey there! Personal Accident Insurance is designed to protect you and your loved ones from unexpected accidents — it covers things like accidental death, permanent disability, temporary disability, and medical expenses from accidental injury. 24/7.
Who should consider it?
🎙 Speak or type…
Conversation
27 turns
Product
Personal Accident
Plans offered
4 i-Aid tiers
Checking they qualify
Reversed then approved
The conversation, turn by turn

Watch SIRA run the whole journey

Every turn below is replayed exactly as it happens in the demo. Switch between voice and text at any point — the transcript never changes, only how it's delivered.

Outcome

Where it ends up

Where the conversation lands

Eligible — with a qualified recommendation

SIRA recommends i-Aid Basic for a 25-year-old designer with no similar policies, and names Enhanced as the upgrade only if he wants higher limits.

Applicant25-year-old designer
DependantsNone — single cover
Existing similar policiesNone
Accident historyNear-accident, 3 years ago — eligible
i-Aid BasicS$3,000 medical · S$600 TCM
i-Aid EnhancedS$8,000 medical · S$1,200 TCM
Both tiers includeS$3,000 bereavement, mobility aids, childcare
All plans includeAccidental death & permanent disablement, 24/7 worldwide
Recommendationi-Aid Basic

Everything collected above is handed straight to the purchase page — see the pre-filled form.

What the customer experienced

Why this journey converted

Not a feature list — the moments that actually shaped this customer's decision.

🚫

Volunteers exclusions

Alcohol, pregnancy, pre-existing conditions, self-negligence, dangerous sports — stated up front, not buried.

Trust
🏸

Nuanced sport cover

Recreational badminton and hiking: covered. Professional or dangerous sports: not. SIRA draws the line instead of answering yes-or-no.

Accuracy
🛑

Hard eligibility stop

An accident inside the look-back window means not eligible. SIRA delivers the bad news directly.

Reliability
🔄

Reverses on clarification

“Near-accident three years ago” flips the answer to eligible. SIRA updates its state instead of defending itself.

Multi-turn
🎚️

Lays out the plans

Four i-Aid tiers from Basic to Premier ($300,000), with prices shown before GST.

Advice
🧭

Recommends, with a reason

Recommends Basic as adequate for a 25-year-old designer, and names Enhanced only for higher limits — not a blanket upsell.

Advice
From conversation to checkout

The form arrives already filled in.

This is what the customer sees when they tap the purchase link. Every value below was carried across from the conversation — they never open a blank form, and they never type their own details twice.

Said out loud in the chat Plan chosen in the chat Worked out by SIRA Genuinely left blank
🔒 iii.insure/purchase/pa
Personal Accident — proposal form
✓ Pre-filled by SIRA · 8 fields
— not asked in this demo
Still blank — the demo never asked for it.
2001 (age 25)
you said this · turn 17 in the replay
Designer
you said this · turn 23 in the replay
Badminton and occasional hiking — covered
you said this · turn 8 in the replay
No
you said this · turn 19 in the replay
No
you said this · turn 13 in the replay
No — near accident, 3 years ago
SIRA worked it out · derived by SIRA
None — single applicant
you said this · turn 21 in the replay
No similar policies
you said this · turn 19 in the replay
Not yet chosen in this demo
Still blank — the demo never asked for it.
8 fields came across by themselves. Only Full name, Mobile number, Email address, Plan selection, Payment method still need typing.
💡

Why this matters more than it sounds

Retyping details you have already given is where quote journeys lose people. SIRA hands the purchase page a complete, valid record — 7 fields the customer said aloud, 0 plans chosen in the chat, 1 that SIRA derived from rules and arithmetic — so the last step is a read-and-confirm instead of a form-filling exercise.

7 fields spoken by the customer 0 plans chosen in the chat 1 derived by SIRA 0 fields typed twice
Full transcript

Every turn, annotated

The complete exchange, with the thinking behind each SIRA reply.

Transcript reconstructed frame-by-frame from the demo recording via OCR. Wording is cleaned for legibility; figures, plan names, dates and decisions are as shown on screen.
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