It is not only post claims servicing but there are various avenues of pre-claims services which if deployed correctly can result into proper execution & efficiency of insurance policy. This is even more crucial in case of Employee Benefit insurance programs where employee is the utmost end user & beneficiary of all outcome benefits of insurance policies.

Onsite & offsite Policy awareness session :-  

In employee Benefit Insurance, it has been observed that significant quantum of service experience can be improved if end user i.e employee is well communicated about Policy Coverage & exclusion. If employee is well aware of some minimum steps to make a claim or to reach claim service manager then lot of service issues & over work may be offloaded from the shoulders of HR/Procurement team of Corporate

Therefore, We always encourage our corporate clients to conduct policy awareness directly with employee by visiting client offices & plants. We also approach all those employees through webinars, video conferencing or other related Software tools for interaction.

If such efforts are made consistently for at least some couple of years, Corporate finds their majority of employees well aware of policy benefits, exclusion, procedures which makes claims experience much convenient & trouble free.

24*7*365  AVAILABILITY  : Our team of Dedicated Relationship manager & Claims service aligned to each corporate always ensure that they shall be easily approachable round the clock, to handle any enquiry or claims related assistance.

We encourage, all our corporate client employee to keep mobile numbers & email id’s  of our dedicated service team for immediate & convenient access at any sign of use of insurance.

ONSITE HELPDESK:-  We always try to be as much as we could be available to our customers which could be right start from enquiry handling to claims payment delivery. And in this process, we like to stay in touch with our customers so that they shall be comfortably rely on us for their claims. In order to achieve this goal, We keep onsite helpdesk facility in often periodic manner to handle

1. Customer enquiries
2. To help them complete their claim documents
3. To provide pick facility of their claim documents
4. To provide assistance until claim gets completely settled

WHATS APP GROUP : –  We encourage Corporate HR/Procurement team to further encourage their employees to be stay connected with us through dedicated  “WHATS APP GROUP” created for each corporate so that communication & interaction shall be work at its best efficient manner

WEB PORTAL & MOBILE APP ASSISTANCE:- Communication is very important in employee benefit insurance which becomes even more important at time of need cause every second matters at that point. Communication mode has been changing every year in today’s rapidly changing digital world. People also like to interact, communicate, learn through latest technology. Therefore it becomes also important for us to be available & communicate with best use of latest technology.

Therefore, Our Web portal & mobile assistance helps our customers :-

• 1. 1. 1. To see their policy information such as e-cards, benefits, coverage, exclusion etc
        2. To intimate claim
        3. To remain updated about their claim status
        4. To get further assistance of other tools such as network hospital search, wellness discount etc

24*7*365  AVAILABILITY OF DEDICATED SERVICE MANAGER  : Claim in employee benefit insurance can trigger at any time so thus the need of insurance partners, Therefore, We always ensure that our customers could easily & convenient approach dedicated service manager over their mobile which helps customer to calm & worriless about their claims process & outcome.

CONSISTENT EMAIL & MOBILE ALERTS: Our systems always keep customer updated about their claims or other information through consistent email & Mobile alerts

SPEEDY CLAIM PROCESS : We suggest our clients to choose their insurance broking partner wisely so do we work on same business philosophy by choosing appropriate & best insurance company, surveyor, TPA’s while designing an insurance program.

Our choice of insurance company, TPA’s & other partner, is based on their knowledge expertise, robust system & latest infrastructure  so that client shall feel ease of convenience while using policy benefits.

DISPUTE FREE PROCESS  :- We do not believe on simply passing the information from insurance company to customer but our team of experienced professional even analyses insurer conclusion/opinion with Policy terms & condition and solicitates with insurer, TPA, Surveyor if their conclusion /opinion are found to be other wise. Our efforts continues until every claim get settled/concluded as per policy terms & condition only without any gap of understanding or knowledge.

LEGAL RECOURSE :-   One of the main & conclusive object to insurance broking partner is that claim which is the ultimate outcome of insurance policy, shall conclude amicably, reasonably & to its best interpretation as per policy terms & condition. Therefore, We do not leave our customer hand even in circumstances where insurer does not process claim as per policy terms & condition. We do take legal opinion & suggest, advise & walk along with our customers during legal recourse of an disputed or improper settled claim.

FRAUD DETECTION : –One of the disadvantage for an employee being end user in employee benefit insurance is that, Corporate cannot monitor & control, any misuse or fraud in claims. Therefore, We have  robust system, check, and our experienced professional monitoring in place, so that fraud may be timely detected & reported to Corporate so that actions may well be taken in time. In larger organization, it is too crucial, where claims occur in thousand count and if there is no proper system placed for fraud detection then it may result into expensive insurance cost every year.

Particularly, In Employee benefit related insurance, There are many other areas beyond claims services  where if right amount & Quality of effort are made, then Policy user experience even goes more productive.

WELLNESS PROGRAMS :- Our onsite & offsite wellness & recreational  activities conducted in periodic manner helps our corporate customers in improving their human capital productivity & efficiency by way of contributing in

1. Improving Employee Health Behaviours
2. Reducing employee elevated health risks
3. Reducing Employees  healthcare cost
4. Reducing absenteeism due to unmonitored health risk
5. Improves employee recruitment & retention
6. Building & sustaining high employee morale

We provide appropriate & effective  bouquet  of wellness programs for our corporate customers

WELLNESS DISCOUNT :-   We have wide range of health care & wellness centres empanelled with us where our corporate customers receive significant portion of discount on paid services at those centres.

1. Such discount helps our corporate customer reduce their claim outgo due to reduce cost in pre/post hospitalization expenses
2. This provides an indirect monetary benefit by Corporate to their employees
3. It also encourages employees to go through preventive health check on periodic manner which improves Employees health behaviour.

PERIODIC CLAIM UPDATES & REVIEW MEETINGS :- Meeting a customer always helps, its even more important in insurance  therefore We meet our client in periodic manner to update & provide them  review about

1. Their insurance Policy claim exposure
2. Employees Issues, resolution and feedback for respective period
3.  Claim controlling measures
4. Impact of claims exposure for next renewal

DATA ANALYTICS :-  Insurance  cost majorly depends upon information & its quality. Information quality is even more realised during insurance cost evaluation & finalization ,when each aspect of information has significant relevance in premium cost negotiation. There we have professional Data Analytics team who jointly work with our claims & underwriting team in order gain valuable information for a respective Corporate Industry, business trend, profile, Claims exposure etc which helps a corporate achieve their financial objective of having insurance.