Automated lead processing and collecting customer data becomes effortless with WhatsApp. However, there are pitfalls regarding data protection (GDPR) and compliance with Meta’s terms of service that insurers need to consider when choosing WhatsApp software to avoid unpleasant surprises. The two best-known software solutions for insurers are Superchat (official Meta Business Partner) and InsurMagic.
InsurMagic: two versions – standard vs. pro
InsurMagic offers two solutions for WhatsApp communication: the standard version and the pro version. The premium and professional plans are also available in the pro variant.
Standard version: WhatsApp Business App + Chrome extension
How it works: This version uses a Chrome extension that mirrors the WhatsApp Business App (web version).
Advantages:
- No Meta fees
- Use on up to 4 devices
- Status function and groups available
Disadvantages:
- Risk of account suspension by Meta
- Not GDPR-compliant
Legal risks
Suspension risk by Meta
Violation of Meta’s terms of service: The unofficial mirroring violates Meta’s terms of service for WhatsApp Business (section 5).
Consequences: In case of violations, Meta may “restrict, throttle, suspend, or terminate the company’s account” (section 6). This leads to the immediate and irreversible loss of the business phone number and all customer contacts.
GDPR data protection issues
The WhatsApp Business App is not GDPR-compliant because it:
- Transfers metadata and contacts to the USA
- Syncs all contacts from the address book (even without consent)
- Does not provide specific data processing agreements for business customers
Although a DPA with Meta is available, it does not solve the fundamental data protection issues. For the insurance industry, this represents a significant liability risk.
Legally secure alternative: Only the official WhatsApp Business API (as used by Superchat) enables a legally secure and GDPR-compliant use.
Pro version: WhatsApp Business API
Functions of the pro version:
- WhatsApp newsletter
- Unlimited devices and users possible
- Automations via Zapier, Make or REST API
- Access to newsletters and AI chatbot
- Centralization of multiple WhatsApp numbers
Limitation: Status function and WhatsApp groups are not available in the API version.
Superchat: a fully legally secure solution
Superchat uses only the official WhatsApp Business API as a certified Meta Business Partner, ensuring maximum security and stability – without legal gray areas.
Key differences compared to InsurMagic:
- Meta Business Partner status
- GDPR-compliant API usage
- WhatsApp newsletter available by default
- Omnichannel approach (WhatsApp, Instagram, email, live chat)
- Transparent pricing
Feature comparison
| Feature | Superchat | InsurMagic standard | InsurMagic pro |
|---|---|---|---|
| Free trial | ✅ 14 days | ❌ | ❌ |
| Meta Business Partner | ✅ | ❌ | ❌ |
| WhatsApp Business API | ✅ | ❌ | ✅ |
| GDPR-compliant | ✅ | ❌ | ✅ |
| Meta fees | Additional (bonus credit) | None | Additional |
| WhatsApp Business | ✅ | ✅ | ✅ |
| Instagram Direct | ✅ | ❌ | ❌ |
| Facebook Messenger | ✅ | ❌ | ❌ |
| ✅ | ❌ | ❌ | |
| Live chat | ✅ | ❌ | ❌ |
| Status function | ❌ | ✅ | ❌ |
| WhatsApp groups | ❌ | ✅ | ❌ |
| WhatsApp newsletter | ✅ | ❌ | ✅ |
| Device synchronization | Unlimited | 4 devices | Unlimited |
| MVP integrations | ✅ | ✅ | ✅ |
| Automated policy checks | ✅ | ✅ | ✅ |
| eVB number dispatch | ✅ | ✅ | ✅ |
| Claims processing | ✅ | ✅ | ✅ |
| AI chatbot | ✅ | ✅ | ✅ |
| Team management | ✅ | ✅ | ✅ |
| Mobile app | ✅ | ❌ | ❌ |
| Review management | ✅ | ❌ | ❌ |
| Analytics & reporting | ✅ | Limited | ✅ |
Key differences in detail
1. Legal certainty and partnership
Superchat: Certified Meta Business Partner with official API usage. This makes the use of Superchat GDPR-compliant.
InsurMagic Standard: No partnership with Meta, uses an unofficial “mirroring” via a Chrome extension in the standard version. This violates Meta’s terms of service and carries suspension risks. In addition, this solution is not GDPR-compliant.
InsurMagic Pro: Uses the WhatsApp Business API.
2. Newsletter function
Superchat: WhatsApp newsletters are available in all plans starting from Basic (€79) and often quickly pay for the entire platform through higher conversion rates (e.g. annual checkups).
InsurMagic: The WhatsApp newsletter is only available in the Pro version.
3. Omnichannel vs. WhatsApp-only
Superchat: Combines all communication channels (WhatsApp, Instagram, email, live chat) in a single unified inbox.
InsurMagic: Focuses exclusively on WhatsApp communication.
4. Pricing and transparency
Superchat: Clear, transparent pricing including all features. No hidden fees.
InsurMagic: Complicated pricing structure due to two variants. The prices for the Pro version are not communicated on the website.
5. Automated messages
Superchat: Provides an easy-to-use visual builder to create complex automations (e.g. message sequences).
InsurMagic: Automated message sending is only possible via Zapier, Make, or REST API, making it more complex and expensive.
6. AI chatbot
Superchat: Offers an AI assistant that can generate messages and an AI chatbot that can independently handle conversations. The AI chatbot can be trained with PDFs and website data.
InsurMagic: Offers an AI assistant that can generate messages but not an independent AI chatbot.
7. Review management
Superchat: Provides the ability to send review invitations via preferred communication channels and centrally manage all new reviews.
InsurMagic: Does not offer centralized review management.
8. WhatsApp groups and status function (24h images)
Superchat: The official WhatsApp Business API does not support groups or status functions. Since all Superchat plans are based on the official API, these functions are not available.
InsurMagic: The standard version allows the use of WhatsApp groups and status updates through the Chrome extension, as it mirrors the WhatsApp Business App.
These additional functions may be convenient but bring significant legal risks. The unofficial integration violates Meta’s policies and does not allow for GDPR-compliant use – a critical issue for regulated businesses such as insurance brokers. The risks of account suspension by Meta and potential GDPR fines far outweigh the practical benefits of these features.
Price comparison
Superchat (annual plan)
| Plan | Price | Features |
|---|---|---|
| Free | €0 | 1 WhatsApp number, 1 user, 30 active contacts, newsletter, AI chatbot, unified inbox |
| Basic | €79 | 1 WhatsApp number, 3 users, unlimited contacts, review management, personal onboarding |
| Professional | €129 | Up to 3 WhatsApp numbers, 10 users, unlimited contacts, analytics (add-on), web chat, industry-specific onboarding |
| Advanced | €249 | Up to 5 WhatsApp numbers, 25 users, unlimited contacts, premium support, employee training, integration included |
| Enterprise | On request | Custom plan configuration, tailored support, enterprise-level security |
InsurMagic (annual plan)
| Plan | Price | Features |
|---|---|---|
| Single broker | €69 | 1 user, up to 1,000 clients, no WhatsApp API fees, MVP integrations, 30 min onboarding |
| Premium | €139 | 3 users, up to 2,000 clients, priority support, 1h onboarding |
| Professional | €249 | 8 users, up to 5,000 clients, employee training, prioritized product suggestions |
| Premium pro | n/a | Unlimited users, WhatsApp API, automations (Zapier/Make), newsletters/campaigns, AI chatbot |
| Professional pro | n/a | Same as Premium pro, plus extended team features & individual support |
Customer satisfaction
| Review platform | Superchat | InsurMagic |
|---|---|---|
| Google reviews | ⭐ 4.8 (577 reviews) | ⭐ 5.0 (17 reviews) |
| Capterra | ⭐ 4.8 (281 reviews) | Not listed |
| OMR reviews | ⭐ 4.7 (305 reviews) | Not listed |
Conclusion: Superchat provides the legally secure all-in-one solution
At first glance, InsurMagic’s standard version may seem easier, but it comes with significant legal risks. The pro version is legally secure but adds extra Meta fees and complicates pricing.
Superchat, on the other hand, offers a unified, legally secure solution without the confusion of multiple variants: starting from €79 per month, you get not only secure WhatsApp communication but also additional channels, newsletter marketing, and advanced automations – all in a transparent pricing model.
Superchat is the right choice if you:
- Prefer a legally secure, unified solution without risks
- Want transparent prices without hidden Meta fees
- Want WhatsApp newsletters available by default
- Need omnichannel communication for maximum customer reach
- Want a proven platform trusted by over 6,500 satisfied customers
Ready to try? Experience Superchat for yourself and test all features free for 14 days. No credit card required.
