1

April, 2010

Policy AdminPolicy Admin

UW + SCUW + SCIncomplete

ME / DeclinedCFS return

PREMIUMPREMIUMTIA checking

Renewal premium collection

POS – CC - ClaimPOS – CC - ClaimNot taken / Call out / Claim

Policy Admin

INCOMPLETE RATIOINCOMPLETE RATIO

Year 2009 2010Month Jul Aug Sep Oct Nov Dec 1st 2nd 3rd

Incomplete

7.05%

6.19%

10.04%

27.92%

10.66%

8.18%

11.6%

9.30%

8.06%

IMPROVEMENT

ANALYSIS_Incomplete RatioANALYSIS_Incomplete Ratio

Region

Non - UW factor

UW

factor

Total

Received

case

Non

UW

%

Gran

d total %

Wrong client's

information/ contract

Lack of healthy

declaration

Lack of client's

signature

Lack of ID card

Su

btotal

Ho Chi Minh 4 1 0 1 6 4 10 138 4.3% 7.2%

Ha Noi 6 4 7 1 18 6 24 291 6.2% 8.2%

Da Nang 0 0 1 0 1 2 3 68 1.5% 4.4%

Can Tho 2 5 1 1 9 6 15 148 4.1% 10.1%

Grand Total 12 10 9 3 34 18 52 645 5.3% 8.06%

FILLING APPLICATION FORM TEST

CS STRICTLY RECEIVE APPLICATION FORM

UPDATE FREQUENT REQUEST TO TRAINING DEPT

ME- DECLINED RATIOME- DECLINED RATIOME reason Cases Ratio

Auto ME 26 47.3%

Diabetes 1 1.8%

Hematuria 4 7.3%

Hepatitis B 2 3.6%

Hypertension 11 20.0%

Overweight 3 5.5%

Underweight 1 1.8%

Other 7 12.7%

Total 55 100%

UW decision to ME cases

Reason Case %

ME 55 8.5%

Non ME 590 91.5%

Total 645 100%

Special insurance 0 0 %

Cancel 0 0 %

Issued 41 74.5 %

Pending 6 10.9 %

Postpone 3 5.5 %

Decline 5 9.1 %

Total 55 100%

ME- DECLINED RATIOME- DECLINED RATIO

Year 

2009 2010Jul Aug Sep Oct Nov Dec 1st 2nd 3rd

within 14 days 93.7% 90.4% 91.8% 91.9% 94.0% 91.4% 95.0% 87.0% 98.1%over 14 days 6.3% 9.6% 8.2% 8.1% 5.8% 8.6% 5.0% 15.1% 1.9%

CFS RETURN RATIOCFS RETURN RATIO

POS_NOT TAKEN RATIOPOS_NOT TAKEN RATIO

Area 1st

2nd - 2010

+/-Issues cases Not-takenRatio

Cases Premium Cases Premium

HCMC 2.46% 94

392,362,000 4

8,023,000

3.2% 0.69%

HN 1.66% 399

1,361,726,000 13

66,609,000

4.1% 2.41%

DN 6.46% 57

238,668,000 14

64,897,000

25.9% 19.42%

CT 1.29% 95

314,986,000 3

13,526,000

3.73% 2.44%

Total 2.2% 645 2,307,742,000 34 153,055,000 6.0% 3.73%

POS_NOT TAKEN RATIOPOS_NOT TAKEN RATIO

ANALYSISANALYSIS IMPROVEMENTIMPROVEMENT

- The not taken value is triple than last month

- The not taken value is triple than last month- The issued cases in this working month is only 645 cases so it effects to the ratio

- The issued cases in this working month is only 645 cases so it effects to the ratio

- SC pay attention to convince client keep policy still effective

- SC pay attention to convince client keep policy still effective - RD/ BM get experiences to improve it

- RD/ BM get experiences to improve it

86.3%

92.7%95.10%

93.76%

93.93%

94%91.18%93.2%

80.0%82.0%84.0%86.0%88.0%90.0%92.0%94.0%96.0%

Aug Sep Oct Nov Dec Jan Feb Mar

Area Jan Feb

Mar +/-

Accept case

Incomplete case Ratio

HCMC 98.40% 98.75% 88 0 100.00% 1.25%

HN 94.43% 93.41% 177 13 93.16% -0.25%

DN 95.29% 98.44% 44 1 97.78% -0.66%

CT 93.50% 89.09% 82 12 87.23% -1.86%

Total 95.10% 93.93% 391 26 93.76% -0.17%

CALL CENTERCALL CENTER

89.9%

80.9%

84.5%

80.4%

80.5%

79.8%

76.1%

79.7%

80.7%

75.2%

73.4%

67.8%

78.7%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

100.0%

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan-10verif ication %

PREMIUM COLLECTIONPREMIUM COLLECTION

Area Dec

Jan

% +/-Receivable Actual

CasePremium (M)

Case

Premium (M)

HCMC71.0

% 437 717.331 364 602.80483.7% 12.7%

HN64.6

% 341 828.699 248 622.77073.9% 9.3%

DN68.2

% 55 79.720 40 60.19674.1% 5.9%

CT86.6

% 30 22.11125 18.716 84.0% -2.6%

Company67.8

% 865 1.651.066 678 1.304.60878.7% 10.9%

TIA CHECKINGTIA CHECKING

97.0%

96.0%

99.0%

95.0%

98.3%

93.0%

96.0%

97.8% 97.8%

97.0%

90.0%

91.0%

92.0%

93.0%

94.0%

95.0%

96.0%

97.0%

98.0%

99.0%

100.0%

8th 9th 10th 11th 12th 13th 1st 2010 2nd 2010 3rd 2010 4th 2010

WKM

1st 2nd 3rd

4th

+/-RegionCheckable

CaseUnchecked

Case Ratio

HCM 1 96% 96% 97.3% 477 32 93.0% -4.30%

HCM 2 100.0%     86 0 100.0% 0

HN1 91.3% 96.9% 93.5% 226 12 95.0% 1.50%

HN2 96.2% 99.5% 99.6% 219 0 100.0% 0.40%

HN3 89.2% 100.0% 97.8% 187 0 100.0% 2.20%

Danang 99.2% 100.0% 99.7% 362 8 98.0% -1.70%

Cantho 94.9% 97.7% 100.0% 236 0 100.0% 0

TIA CHECKINGTIA CHECKING

UNCHECKED TIAARE POSTED

IN NEWSPAPER

THE UNCHECKED REASONS NEEDED

TO REPORT

DEDUCTING AGENT’S INCOME

100.000VND/TIA

UW CSPREMIUMPOSCLAIM

-Testing new products- BDO Exam- Modify Agent’s Investigation Right- Prepare documents for MOF audit- Authority Table- Shorten time for pending cases

ACTIVITIESACTIVITIES

- Auto-pay regulation

- Process & investigation for pending claim cases

- Training & Support opening Dongnai SC- Testing new products (A03, R04 & R05)- Implement BDO/SM/Pre-BM Exam

UW

CONTINUE FOLLOW-UP SPLITTING CASES

BDO/SM/PRE-BM TESTING RESULT

UW SKILL TRAININGRATING AGENT ON THE JOB

TRAINING

SC

SUPPORT DONG NAI SC OPERATION TESTING SYSTEMBDO/SM/PRE-BM EXAM

PLAN FOR NEXT MONTHPLAN FOR NEXT MONTHPOS

INTEREST OF LOAN AS REPAY PLAN TO DEDUCT MEDICAL FEE BANK TRANSFER & ID CARD PAYMENT

CC

DRAFT QUESTIONAIRE & STATEMENT CALL OUT RESULT IN PRODUCTION SYSTEM

CLAIM

SIGN HOSPITAL CONTRACT IN CENTRAL AREA INVESTIGATOR SYSTEM

PREM.

AUTO-PAY

RECRUITING COLLECTORS & SUPERVISOR IN HANOI

PLAN FOR NEXT MONTHPLAN FOR NEXT MONTH

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