Claim Support
1. 24/7 Emergency Guidance (Sabse Pehla Kadam)
Jab client hospital ja raha hota hai, wo ghabraya hua hota hai.
Support: Hum client ko guide karte hain ki kaunsa Network Hospital paas mein hai jahan “Cashless Treatment” mil jayega. Hum unhe batate hain ki admission ke waqt kaunse documents (Health Card, ID proof) saath le jane hain.
2. TPA Coordination (Hospital Desk se baat karna)
Aksar hospital ka insurance desk slow kaam karta hai ya TPA (Third Party Administrator) se approval aane mein time lagta hai.
Support: Hum hospital ke TPA desk aur Insurance company ke beech coordination karte hain taaki Initial Approval jaldi aaye aur treatment shuru ho sake.
3. Documentation & Query Management
Insurance company aksar beech-beech mein query raise karti hai (Jaise: “Ye purani bimari toh nahi thi?” ya “Specific test kyun karwaya?”).
Support: Hum doctor se required papers arrange karwate hain aur insurance company ke sawalon ka sahi technical jawaab dilwate hain taaki claim reject na ho.
4. Reimbursement File Preparation (Agar Cashless nahi hua)
Agar kisi wajah se cashless nahi mila, toh client ko paise pehle dene padte hain aur baad mein wapas lene hote hain.
Support: Hum client ki poori file prepare karte hain (Bills, Discharge Summary, Lab Reports). Form kaise bharna hai, usme madad karte hain aur file company mein submit karte hain taaki paise jaldi wapas aayein.
5. Fighting Unjust Rejections (Reject hone par ladna)
Kabhi-kabhi company galti se ya kisi choti wajah se claim reject kar deti hai.
Support: Hum client ke behalf par Grievance Redressal mein ladte hain aur company ko logic ke saath samjhate hain ki claim milna chahiye.
Maturity Support
1. Proactive Reminder (Hum khud yaad dilate hain)
Client aksar bhool jata hai ki policy kab maturity par aa rahi hai, ya Money Back kab aane wala hai.
Humara Support: Maturity date se 2 mahine pehle hum client ko call karke batate hain: “Sir/Ma’am, badhai ho! Aapki policy maturity par aa rahi hai.” Isse client ko financial planning karne mein madad milti hai.
2. Doorstep Documentation (Bina bhaag-daud ke paisa)
Maturity ke liye ‘Discharge Voucher’, ‘NEFT Form’, aur ‘Original Policy Bond’ jama karna padta hai.
Humara Support: Client ko office ya branch ke chakkar nahi kaatne padte. Hum unke ghar jakar signature lete hain, bank details verify karte hain aur branch mein submit karte hain taaki paisa seedha unke account mein aaye.
3. Re-Investment Planning (Wealth Creation)
Agar client ko us waqt paise ki sakht zaroorat nahi hai, toh wo paisa kharch ho sakta hai.
Humara Support: Hum client ko guide karte hain ki kaise us maturity amount ko ek naye aur behtar plan (jaise Pension plan ya Single Premium) mein daalkar use aur bada banaya ja sakta hai.
4. Goal Mapping (Sapna Poora Karna)
Agar client ne policy “Beti ki Shaadi” ke liye li thi:
Humara Support: Hum ensure karte hain ki shadi ki shopping shuru hone se theek pehle paisa unke account mein ho. Hum unhe inflation (mehngai) ke hisaab se samjhate hain ki kya ye paisa kaafi hai ya aur intezaam karna padega.
Sales Support
1. Financial Needs Analysis (Zaroorat ki Pehchan)
Online ya bank wale bas policy bechne ki koshish karte hain, par hum pehle Diagnosis karte hain (Jaise doctor dawai dene se pehle checkup karta hai).
Support: Hum client se puchte hain—Unki age kya hai? Zimmedariyan (kids, loan) kitni hain?
Benefit: Hum wahi plan suggest karte hain jo unke liye zaroori hai. (Example: Agar client young hai, toh Term Plan + Critical Illness; agar old hai, toh Senior Citizen plan).
2. Decoding the “Fine Print” (Chupe hue niyam batana)
Insurance mein log sabse zyada darte hain “Hidden Terms” se.
Support: Hum client ko policy lene se pehle hi bata dete hain ki kya cover NAHI hoga (Exclusions) aur Waiting Period kitna hai.
Benefit: Client ko baad mein dhoka feel nahi hota. Transparency se trust banta hai.
3. Unbiased Comparison (Sahi Tulna)
Market mein hazaron plans hain. Client confuse ho jata hai.
Support: Hum alag-alag companies ke plans compare karke batate hain ki kisme premium kam hai aur fayde zyada hain.
Benefit: Client ka paisa bachta hai aur best product milta hai.
4. Right Sum Assured Calculation (Kitna Bima Chahiye?)
Aksar log kam amount ka bima le lete hain premium bachane ke liye.
Support: Hum ‘Human Life Value’ calculate karke batate hain ki “Sir, aaj ki mehngai ke hisaab se 5 Lakh nahi, kam se kam 10 Lakh ka cover chahiye.”
Benefit: Future mein paison ki kami nahi padti.
5. Hassle-Free Onboarding (Form aur Medicals)
Policy lene ka process lamba hota hai.
Support: Proposal form bharna, documents scan karna, aur agar medical test ki zaroorat hai toh client ke convenient time par appointment fix karwana—ye sab hum handle karte hain.