MUMBAI: Insurance just found its digital double. HDFC Ergo has roped in Consumr.ai, India’s next-gen customer intelligence platform, to pilot a proof-of-concept (POC) that could transform how policyholders experience insurance from the first ad to the final claim. The partnership was sealed after Consumr.ai emerged as one of four winners of Techpreneur Season 2, an innovation programme that drew over 140 AI and tech companies worldwide. Winners were picked through a rigorous evaluation by leaders from BCG, Google, HDFC Ergo and Ergo International.
At the centre of the POC lies Consumr.ai’s proprietary AI Twins technology virtual doppelgängers of consumer cohorts built on real behavioural data. These AI-powered twins simulate how different audiences respond to creative campaigns, products, and messages, enabling “always-on” customer-informed decision-making. In other words, it helps HDFC Ergo keep the customer firmly in the driver’s seat of every marketing, product, and creative choice.
The POC will tap into deterministic behavioural data from hundreds of millions of global users via integrations with Meta, Google, DV360, Linkedin, Snap, and Amazon. HDFC Ergo’s own first-party data can also be securely onboarded, anonymised at cohort level, and modelled into AI Twins, all while maintaining full GDPR and CCPA compliance and without ingesting personally identifiable information.
Consumr.ai co-founder Vivek Bhargava said: “Our AI Twins technology transforms real behavioural data into actionable intelligence that enables real-time personalisation at scale. This aligns perfectly with HDFC Ergo’s vision of a digitally agile, customer-first future.”
On successful completion, the POC could be scaled across HDFC Ergo’s business lines, distribution channels, and even new frontiers such as influencer marketing, regional positioning, and voice-of-customer programmes. The model could also be replicated for Ergo International’s global markets, turning the Indian POC into a global insurance playbook.
Consumr.ai already has a strong BFSI track record, having deployed AI Twins for Rustomjee, Aditya Birla Insurance, and even a Fortune 100 US insurer. With HDFC ERGO in the mix, the three-year-old platform has doubled down on its mission to be the innovation engine powering the insurance industry’s leap into the future.

