Frequently Asked Questions

replaced_by_bots is the world's first AI Occupational Obsolescence Insurance. Where traditional disability insurance protects you against physical and mental incapacity, replaced_by_bots protects you against technological obsolescence by AI. The name says it all, really.

For anyone working in a profession that may be affected by AI. From freelancer to employee, from starter to senior. Especially professions with a lot of routine knowledge work are at increased risk.

Our independent AI risk committee (itself fully AI-powered, naturally) analyses your profession based on automation potential, recent AI developments, and job market data. You receive a score from 0 (AI-proof) to 100 (acute risk).

You're entitled to benefits when your employer has demonstrably transferred your tasks to an AI system, or when your professional group has been officially classified as 'technologically obsolete' by our risk committee.

Unfortunately, there's a 6-month waiting period. An existing AI replacement is considered a pre-existing condition. However, our AI psychologist is available 24/7 — because an AI comforting you about AI replacement, that's real service.

Yes, the replaced_by_bots premium is deductible as professional expenses, comparable to a regular disability insurance premium.

Absolutely. By demonstrably developing irreplaceable human skills, you receive a premium discount. Think empathy, physical craftsmanship, or creative problem-solving ability.

Yes, all replaced_by_bots packages can be cancelled monthly. We believe you should feel free — while you still can.

Physical robots fall under our supplementary AROV (Automation & Robotics Occupational Obsolescence Insurance). Ask about our attractive combo policy.

Literally? Probably not — your employer won't wheel a robot to your desk. Figuratively? Well, that's why we exist. The 'bots' in our name refers to AI systems, language models, and automated software that can do parts of your job. Whether that's writing reports, analysing data, or generating the very FAQ you're reading right now. If you're a train driver though, your AI risk score is available in our premium calculator. The train will drive itself soon — but the conductor writing your fine, they'll stay.

Yes. Completely. Our risk analysis is AI, our premium calculation is AI, our psychologist is AI, our customer service is AI, and this FAQ was written by AI. The only human at replaced_by_bots is the cleaner. And they're worried too.