AmSure Health Protector Presentation

7/28/2019 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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on certain facts like..


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Can you save money

based on certain facts like


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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%

0

1000

2000

3000

4000

5000

6000

7000

8000

2001/02 2002/032003/04 2004/05 2005/062006/072007/08

0%

20%

40%

60%

80%

100%

120%

140%

160%

180%

200%

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

AmSure Health Protector Presentation

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