4th May

 Retention loyalty
(mahastra/ Gujrat/ -nagpur pune indore Kolkata – two -whole sale under institutuin gov and
private (asset risk , portfolio ,liabilities benefit portfolio) ---entire maharastra judges insured
judiciary next 30 years corporative banks , sizeable amint of gov , mfg of patent things …
(retail )onl9) n ofl9 -
 Compliance
 Solicitation
 Retention sales
 Cross selling
 Brokers can also charge on claim settlement arranged not by them.
 Security/ saving /convenience rule
 Dominate /influence /steady/cautious rule
 55% we communicate non-verbally.

5th may 2021

 Product under each category

 Max Bupa selling best health insurance policy
 BQP ( broker qualified person) exam
 Why this product is taken by holder -write down their – coverage /premium /inclusion
/exclusion /how good that product in comparison / permutation and combination and how
their business can be increased .( different family floater comparison)
 4 to 5 days only to learn all topics
 Policy bazaar n policybuynow.in
 6th and 7th may :-

Research done by me:-

Policy Coverage Premium Inclusion Exclusio How good in

n comparison

Care (health 5 lakh 5,446/p.m -Day care -Maternity -share claim 2 adult
insurance) treatment -Eye and Dental payments and 3
-Existing -Worldwide and 20% co- children
illness emergency payments.
- before and --Domestic -No claim +
after evacuation bonus reduction
hospitalization -Doctor -on-call -Restoration in pre
medical service of cover existing
expense -Health -95% claim period
-Alternate Assessment settlement from 4
medicine -no room rent ratio. years to 2
-Network capping. --- years.
hospital -4 day policy
issuance
through tele
medicals.
Max Bupa 5 lakh 5,265/p.m Same Same as care Same as care Pre
(health - health health(except existing
companion) no co- illness
payment)+ period 3
years
-96% claim
settlement
ratio

Active 5 Lakh 4,162/p.m -same as care -Maternity -Same as 2 Adult

health health -Eye and Dental health and 4
platinum insurance. insurance . children.
enhanced -free chronic -97% claim -4years
cover settlement pre
ratio existing
-Domestic -4 day policy disease
evacuation
-Doctor -on-
issuance
+ Free
+Double
your Sum
call service chronic cover
-Health Insured
Assessment in just 2
-Ac room years
Earn up
to 100%
discount
on
renewal
+You
don’t
need to
pay your
policy
premium
for 1 year
if you are
detected
with a
listed
critical
illness.
Digit (super 5 lakh 4,162/- Same as Same as care Same as care Pre
care option) health health insurance health policy existing
-Covergae for illness
COVID 19 -3years.
(waiting
period 7 days)
- Eye and
Dental
-Domestic
evacuation
-Doctor -on-
 call service
-Health
Assessment
-Ac room
Manipal 5.5lakh 4,889/p.m. -Same as care -Maternity -same as care 2 Adult
cigna (Pro health policy -Domestic health policy and 3
Health – + Eye and evacuation -91% claim Children.
Protect) Dental covers -Doctor -on-call settlement -4 years
-Worldwide service ratio pre-
Emergency existing
-Health period
Assessment.
- Network
hospital

 Best to worst - 1) MAX BUPA 2)Active health platinum enchanced 3)Care

health insurance 4)DIGIT 5) Manipal cigna

Other Topic discussed :-

Mother ‘s day

 One liner for mother’s day

 Mnc (big position) to target for mother insurance eg;- amul

Family floater policy = explain wat more things needs to be there …n wats needs to be explained
more.

 Why external anamoly of born child is not covered.

 Write every word from family floater policy
 Write all the question regarding floater
 Finding picture for slogan

8th may 2021

 Max bupa (above 65 yrs -health companion/reinsure-August) star /health senior citizen
/national insurance
 NCP rate chart – if customer is not happy by premium , giv them premium for plan B
 Hdfc ergo -silver suraksha plus + aditya birla health policy below 65 yrs.
 45 to 65 years.
 Newspaper – print the brochure n banner n submit it
  Contact doctor for selling the insurance.

9th may

 Product launch – max bupa ( a product for seniors)

 A promise of love
 Knee replacement need no co payment
 Day care – post retirement
 No claim bonus
 Inflation protection
 Deductible is 1/5 of sum insured …that means no co-payment
 Co-morbidities – diabetes ,hypertension -annual health check-up
 2% discount on 2 person n renewal
 61 to 75 yrs
 Co payment -20% to 50%
 Shanared room and single private room
 60 and 90 days pre and post hospitalization.

10th may:-
 Excesss vs deductible –
 Excess – sum insurred – 1000 then excess of 100 will be covered by insurer like loss 400 then
100 will be payed by insurer and 300 will be payed by insurer.( if loss is 1500 ,then maximum
limit of sum assured will be payed by insurer like 1000)

 Deductible – S.A – 1000 then deductible 100 then( loss 400 - 300 payed by insurer and if loss
900 then insurer will pay 8000.

 Questions arised from all the sessions :-

 Why external Anamoly of born child is not covered.

 How to rank different health insurance policy and what are the basis of distinguish other
than normal difference.
 How to attract clients to purchase health insurance , not too many responded.
 Max Bupa Senior Citizen Insurance Policy.

MARKETING APPROACH:-
 INSTAGRAM (STORIES AND REEL ) -VIDEOS AND PICTURE
FORMAT.
 CALLED SEVERAL DOCTORS AND PROFESIONALS.
 SOCIAL MEDIA TO CREATE AWARENESS
 NO LEAD
 POSTS ON- MOTHER / FATHER LIFE MATTERS.
 -ABSENCE OF PARETNS.
 AWARENSS ON DIFFERENT MATTERS -COVID AND
DIESEASES SUCH AS NEW BLACK – EYE DIESEASE
 INFORMATION SHARED APART FROM IMAGE - Daycare –
post retirement
 No claim bonus
 Inflation protection
 Deductible is 1/5 of sum insured that means less premium.
 Co-morbidities – diabetes ,hypertension -annual health checkup
included
 2% discount on renewal
 61 to 75 yrs
 Co payment -20% to 50%
 Shared room and single private room
 60 and 90 days pre and post hospitalization.

RESULT ( NUMBER OF RESPONSE -2)

 SOME ASKED ABOUT THE PRODUCT.
 NOT TOO INTERESTED.
 NEED MORE TIME TO ATTRACT CUSTOMERS AFTER
CREATING BASE ADVERTISEMENT.
 MONEY HINDRANCE IN MAREKTING
 CANDIDATE 1 –SHIVAM DWIVEDI / AGE -23 (FRIEND)
VARANASI
 ASKED FOR SENIOR PLAN – PREMIUM , SECURITY AND
HEALTH BENEFITS -NO LEAD
 ASKED ABOUT OTHER INSURANCE PLAN AND SAVINGS
 CANDIDATE 2 - AYUSHI KESHARI / AGE-23 (FOLLOWER)
VARANASI
 ASKED FOR MOTHER PLAN – NO LEAD
 CO-MORBIDITIES – SUGAR /DIABETES/ HYPERTENSION.