AmSure Health Protector Presentation
Transcript of AmSure Health Protector Presentation
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Do you all haveDREAMs?
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Surely you must be putting yourbest efforts to achieve your
Dreams...
But certain events can delay or possibly make it evenIMPOSSIBLE for you to achieve
these Dreams
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Its the RISK associated withyour life and health/ wellness
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You can reduce suchrisks by.Sensible eating
Careful driving
Regular exercise
Positive thinking
Sufficient sleep
But you may not be able
to eliminate it totally
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If illness happens
It can firstly eat into your savings
It can affect your happiness
It can disturb your family
If not planned well, it can lead to sub-
standard treatment
And a lot moreUNWANTED can happen!!
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You have two choices
Save money for illness / contingencies
Or
Take a health insurance policy well intime so as to get money in bad days
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Can you save money based
on certain facts like
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Can you save money based
on certain facts like..
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Can you save money
based on certain facts like
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Can you save money based
on certain facts like
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Can you save money basedon certain facts like
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We CANT
Therefore, its worth taking a
Health Policy paying a smallpremium
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What are my expenses
when I am ill ? Hospitalization expenses i.e. my medicine bill/ Doctors fees/ Room charges etc
Ambulance charges in case of emergency
Pre and post hospitalization expenses
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AmSure offers you much more
with an Exclusive product specially
designed for
Amway Business Owners
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Total Health Security for you and your family
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AMSURE FAMILY HEALTH FLOATER
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..is a Family Floater policy
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Your Choice!
OR
Concept of Family Floater
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Singlepremium payable for the entire family
The amount of Sum Insuredfloatsover theentire family
No needto insure individual membersseparately
No hasslesof tracking multiple renewals
Benefits of a Family Floater
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Advantages of A Family Floater!
Individual Floater
Not Flexible Flexible
Separate policy documents formembers
Single document, single premium,single date to track
Currently, not all plans annualin nature
Floater plan available for oneyears.. so assured zero hassle
renewal next year
Costlier Comparatively
cheaper
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Eligibility -
Proposer
0 yrs 18 yrs 65 yrs 70 yrs
Not to be a foreign national or NRI
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Cover
Dependent Parents(not more than 65
years of age)
Self /& Spouse
Dependent children(between 91 days and
21 years)
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Pre hospitalization and Post hospitalization30 Days Prior & 60 Days Post
Benefits - Hospitalization
Covers Hospital ExpensesCash less Hospitalization in
more than 2200 approvedhospitals across India
Ambulance charges- Rs 1,000
In case of an emergency
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Hospital Cash benefit - Rs 500For every 24 hours in hospital
Cash Recovery Benefit - Rs10,000For hospital stay exceeding 21 days
Benefits - Hospitalization
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Covers Day Care Expenses
Where no in-patient hospitalization required
BenefitsDay Care
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BenefitsClaim free
Free Master Health Check Up to - Rs 750
After 4 consecutive claim free years
Increase in Sum Assured BONUS
5% per annum - (maximum of 50% increase)
5 % everyYr
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U/w Criteria - Sum Insured
SI Options - Rs.2 Lacs / Rs.3 Lacs / Rs.4 Lacs
Change In Sum Insured - Only at Renewal (increase or decrease)
Can be increased to - Maximum of 100% of the existingSum Insuredrovided the policy has claim free status)
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Acceptance/ Denial will be confirmed by RS Health Underwriting Team
Premium will be received only after acceptance by RS
U/w Criteria -Medical
0 yrs 18 yrs 55 yrs 65 yrs
No Medical Zone
ECG, BloodSugar & UrineSugar
Not more than 20days old (prior todate of proposal)
No Medical Zone
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Pregnancy / childbirth
The cost of spectacles, contact lenses and hearing aids.
Dental treatment or any kind unless requiring Hospitalization.
Exclusions and Limits
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First Year Exclusions
Treatment of Congenital Internal Diseases, any type ofMigraine / Vascular head ache, Stones in the Urinary and Biliary systems, Surgeryon Tonsils / Adenoids, Gastricand Duodenal Ulcer, any typeof Cyst / Nodules / Polyps, anytype of Breast Lumps
Two Year Exclusions
Treatment of Spondylosis / Spondilitis any type,Inter vertebral Disc Prolapse and such otherDegenerative Disorders. Cataract, BenignProstatic Hypertrophy, Hysterectomy, Fistula,Fissure in Anus, Piles, Hernia, Hydrocele,
Sinusitis, Knee / Hip Joint replacement, ChronicRenal Failure or end stage Renal Failure, Heartdiseases, any type of Carcinoma / Sarcoma /Blood Cancer, Osteoarthritis of any joint for allInsured Persons.
Exclusions and Limits
PRE EXISTING DISEASESshall be covered after consecutiverenewal for 4 years.
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Premium
Rs.200000 2 Adult 2 Adult + 1 child 2 Adult + 2 children
Upto 35 yrs 3,822 4,368 4,859
Upto 45 Yrs 4,564 5,123 5,650
Upto 55 Yrs 6,644 7,653 8,643
Upto 60 Yrs 8,592 9,833 11,076
Upto 65 Yrs 11,229 12,472 13,715
Rs.300000 2 Adult 2 Adult + 1 child 2 Adult + 2 childrenUpto 35 yrs 5,222 5,884 6,481
Upto 45 Yrs 5,885 7,455 8,928
Upto 55 Yrs 8,951 10,517 12,052
Upto 60 Yrs 11,620 13,188 14,757
Upto 65 Yrs 17,273 19,050 20,826
Rs400000 2 Adult 2 Adult + 1 child 2 Adult + 2 children
Upto 35 yrs 6,094 6,809 7,455
Upto 45 Yrs 7,372 8,107 9,284
Upto 55 Yrs 11,255 12,354 13,433
Upto 60 Yrs 14,639 16,621 18,604
Upto 65 Yrs 21,787 24,034 26,280
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Better to have it and not need it.
Than need it and not have it.
Insurance
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Happenings @ Royal Sundaram
Business Performance - GWP & COR
711
1844
3307
6300
7000
2580
4535
187%
96%99%101%
115%
93% 92%
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2001/02 2002/032003/04 2004/05 2005/062006/072007/08
0%
20%
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GWP (in Rs Million) COR
Business Performance GWP & COR Profitable growth over 8 years of operation with a
CAGR of 40% - RS is ranked No. 3 in terms of
growth in GWP over 2007 for the period Apr
Dec 2008 Operating from 88 branches across 47 locations,
with more than 1100 employees Building multi distribution channels : Agency +
Affinity partners + Brokers + Direct to customer
Currently working with leading MNC banks, Auto
manufacturers, Retail Chains and Multilevel
Marketing company in India More than 2.5 Million insured customers Since inception, covered more than 1.8 Million
lives under Health Insurance Launch of Direct Sales force model in the market
with more than 2300 sales people across Indian
cities
RS A&H Claims operation is ISO 9001 certified,servicing more than 30,000 non-motor customers
per annum. Excellence in Claims servicing (AC Neilson
Customer Satisfaction score=83%)
Robust infrastructure for policy processing,
handling more than 1.6 Million policies per
annum
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Royal Sundaram Claims Servicing
Introduced the concept of Cashless Claimsin India
66% Claims settled within a week & 99%
within a month
Dual checks for the Repudiated Claims
Medicare TPA Services
covering2200 hospitals
Dedicated Toll free number for claimintimation and status of claims
Special Internal Claims Cell to service the
victims of Mumbai Floods
Online Access to medical and claim
information.
Fast-track settlement of small claims upto
10,000 (TAT4 Working days) Plan to set in-house team of Para-medical
professionals to handle the claim processing
Health
Invested into the Moment of Truth
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Thank You