Green Policies Augmented Reality In InsurTech – Sonal Trivedi

5.3. Climate Risk Visualizations and AR Communication Products When read as numbers, temperatures and sea-level rises can be difficult to conceptualize. Recently, augmented reality (AR) has been used in the global insurance tool Climate Smart to produce immersive simulations for communicating climate risks. Some of the AR-based features include Climate Smart AR visualizations of climate risk, Climate Smart AR capabilities, Climate Smart AR9, Natural Disasters View 1, Natural Disasters View 2, and other Climate Smart AR modules.

Based on the “edgypurist” paradigm of visualization, Climate Smart AR has developed interactive simulations to assist people and businesses in visualizing the impact of natural disasters, such as flooding or wildfires, on their property. Policyholders can obtain coverage tailored to local environmental hazards by embedding context-specific climate risk information into the policy offering (Brook et al., 2023).

Tools like FloodVision by Climate Central use AR to simulate flood risks, enabling users to visualize the impact of sea-level rise on their communities (FloodVision, n.d.). This engagement promotes practical action and risk mitigation approaches to fill the gap between climatic information and insurance plans easily. AR generates user awareness that helps it make better decisions and more sustainable behavior.

5.4. Startups and Sustainability Focus In India, new-age InsurTech firms are digitizing their processes to become more eco-friendly and optimize customer experience. These have seamless digital processes, mobile engagements, and behavior-based insurance frameworks that incentivize green behaviors like eco-driving. While technology assists in faster and more convenient experiences, it also helps in the accomplishment of landmarks where environmental-to-mass waste emission is minimized (Yadav, 2025).

At the level of regulator, mammoth efforts are being put forth in order to make the insurance field sustainable. In recent years, governance regulations have required that insurers maintain their ESG framework, and that each insurer present its framework to its respective boards on an annual basis for review and approval.

It included the indemnity institute which is matching climate risk therefore integrating it with underwriting, green asset portfolio (Institute of Directors, n.d.) and many other green products. Also, similar to these disclosures and guidance documents with a climate- change focus, they are made referentially accountable to global best practices (Guidance on the Integration of ESG Risks Into Insurance Underwriting, n.d.). Another force behind building a sustainable insurance ecosystem is from the government, in the form of green bonds and other related sustainability-related financial instruments.

Editorial matter and selection © 2026 Sonal Trivedi, Pushan Kumar Dutta, Christo Ananth, and Anuj Kumar. Individual chapters © 2026 The authors. Published under exclusive licence by Emerald Publishing Limited. Reprints and permissions service Contact: www.copyright.com No part of this book may be reproduced, stored in a retrieval system, transmitted in any form or by any means electronic, mechanical, photocopying, recording or otherwise without either the prior written permission of the publisher or a licence permitting restricted copying issued in the UK by The Copyright Licensing Agency and in the USA by The Copyright Clearance Center.

Any opinions expressed in the chapters are those of the authors. Whilst Emerald makes every effort to ensure the quality and accuracy of its content, Emerald makes no representation implied or otherwise, as to the chapters’ suitability and application and disclaims any warranties, express or implied, to their use. British Library Cataloguing in Publication Data A catalogue record for this book is available from the British Library ISBN: 978-1-80592-552-1 (Print) ISBN: 978-1-80592-551-4 (Online) ISBN: 978-1-80592-553-8 (Epub) OceanofPDF.com Contents About the Editors About the Contributors Preface Chapter 1 Augmented Reality in InsurTech: UTAUT Insights for Green and Digital Transformation Şehnaz Okkiran, Burak Yaprak and Daniel Magueta Chapter 2 Navigating Augmented Reality and Green Policies Prospects in the Insurance Industry Wasswa Shafik Chapter 3 Understanding the Influence of Technology Risks on Insurance Companies Performance Through InsurTech Innovation: An Empirical Study of Jordanian Insurance Companies Jamil J.

Jaber, Asma S. Alzwi, Sami Nasser Mohammad Alhjahja and Rania Al Omari Chapter 4 Integrating the E-SERVQUAL Model with AI-driven Chatbots in Insurance Services to Enhance Millennial Satisfaction in Malaysia: PLS-SEM Approach Nornajihah Nadia Hasbullah, Ag Kaifah Riyard Kiflee, Geetha Muthusamy, K. K. Ramachandran and Saiful Anwar Chapter 5 Understanding the Power of Augmented Reality in Insurance: A Survey-based Approach to Customer Engagement Mrigya Tewari, Arif Hasan, Vikas Kumar Khare and Mohammad Suhail Chapter 6 Case Studies on Green Policies and Augmented Reality in InsurTech: Catalysts for Sustainability and Innovation Amitava Pal, Pallavi Kumari, Sonal Trivedi, Ewelina Idziak, Kavita Mathad and Amruta Deshpande Chapter 7 Augmented Reality in Risk Assessment and Claim Processing: Transforming Decision-making in Insurance Ankur Roy, Priyanka Jain and Anuj Kumar Chapter 8 Innovating InsurTech with AR: A Human-centered Conceptual Model for Managing Occupational Risk Through Dynamic Digital Solutions Ashwani Panesar, Rohit Sood and Fat-hiya Brek Mohamed Chapter 9 Legal Challenges in the Adoption of Augmented Reality in Insurance Claims Processing: A Multidisciplinary Exploration Ritam Rajak, Indrajit Ghosal, Zareen Hossain and Ismail A.

Mageed Chapter 10 Ethical and Psychological Dimensions of Human– AI Collaboration in Insurance: Implications for Workforce Well- being Richa Mishra, Jolly Masih and Chahat Masih Chapter 11 Leveraging InsurTech for Public Health Delivery: A Study of Ayushman Bharat Scheme and Its Efficacy in Select Districts of Telangana, India R. Bindu and P. Vijaya Chapter 12 The Future of Augmented Reality in the Insurance Industry: HR as a Strategic Enabler of Innovation and Sustainability Revati Ramrao Rautrao, Sanjayan T.

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