STAR HEALTH ASSURE PLAN PRESENTATION

Caller: Hi sir/madam Very Good Morning/Afternoon/Evening my name is Abhishek and I’m calling
you from STAR HEALTH Insurance. This call is regards to tell you about Health Insurance for your
family can i speak to you few minutes.

Customer: No…I’m not interested….i already have Health Plan…..i have my company policy etc etc

OBJECTIONS
Direct Not Interested
Caller: Sir I hope your busy now can i call you in the evening around 4pm.
Customer: Ok Call me OR Don’t Call me I’m not Interested.

I Already Have Health Plan

Caller: Sir it is good to know that you have taken the policy me know from which company you have
taken? And what is the annual premium you are paying? Sir the reason why i asked you because here
you have an option to PORT your policy without losing your policy continuity with lesser premium
and higher benefit.
I have My Company Policy
Caller: Sir Good that you have your company policy but as you’re aware that your company policy
will be active only till the time you’re working with the company but once you leave it can’t be carry
forward. Sir secondly the coverage what you get from the company policy will be very limited.

Still customer says No:

Caller: Sir we to have TOPUP Policy with very less premium and with higher coverage I will pass the
call to my senior you can speak.

If Customer Say ok tell me the Plan

Caller: Sir before i proceed with the policy me I just confirm for whom you’re looking for? And
what is the Ages

Customer: I’m looking for my family My Age-46(2a+2c) or FOR my Parents their ages are
65/60.
Caller: Ok sir thanks for the information, sir here we have a plan called as ASSURE this a high
End policy where you will not have any capping or sublimit for anything.

Sir based on the ages you have given for Example if you’re taking the coverage of 10Lac your premium
is 20000 with GST per Year.

Sir here 1st benefit is CASHLESS, here you will get the cashless card for you and your family where
we have tied up with more than 12000+ network hospitals in India where you get completely cashless
and for non-listed hospital you will get completely Reimbursement.
Reimbursement means you have to pay the bills from your side then with all discharge summary and
bills if you submit to us we will refund you with in the time limit.

Next Benefit Is Hospitalization here for any hospitalization for 24hour we will give the claim
in terms of room here you get Single Standard A/C room with no upper or lower limit this also includes
room rent, boarding charges, nurse fee etc, and in case of any emergency even for ICU there is no
limitation. Here all your charges will be paid like, doctor fees, operation theater chargers, diagnostic
charges and incase of any surgery even surgeon fee’s will also be paid, in simple if I have to tell you
from admission till discharge whatever the bills come’s will clear sir.
Next Day Care Procedures Sir as you know now way days modern treatment like laser and
robotic surgeries are famous where 24 hours hospitalization is not required surgeries like Cataract,
Kidney Stone Removal, Angiography Etc. we cover even this surgeries under day care.
Sir just like other companies we don’t have any specific named surgeries for day care any surgery which
considered as day care we will provide the claim.

Next we do cover Pre and Post Hospitalization sir as a common person no one will come
to know immediately in case of any disease until we do some test with doctors consultation.
We cover all your expenses like Doctor Fee’s, Diagnostic charges etc before hospitalization up to
60days.
And once discharged from hospital again for any medicines and reviews we will cover up to 180days
under post Hospitalization.

We Do Cover Road Ambulance charges and incase if you’re traveling out of station for treatment we
provides you Air Ambulance facility.

This policy will also cover Maternity after 24month of the policy up the limit of 10% of the Sum
Assured.

Sir now way days people are preferring for Ayush Treatment i,e Ayurveda, Unani, Sidha and
Homeopathy this will also be covered up to sum assured.

Sir the main benefit under this policy is Auto Restoration suppose sir here you’re taking a Coverage of
10Lac if this 10Lac got exhausted within a year in the same year will provide 100% Coverage without
any additional charge, this can be utilized for same person same disease or other person also, this
restoration will be happens unlimited times you can utilize.

Sir not only that here you also get Partial Utilization means suppose you took a coverage of 10Lac and
someone hospitalized and the bill come 5Lac will pay completely, in the same year again same person or
other family member get hospitalized where bill comes to 8Lac we will clear entire 8Lac. In simple you
use 1Lac or 10Lac for every single hospitalization you get 10Lac Coverage.

Apart for this you also get NO Claim Bonus suppose sir your taking this policy and you didn’t
utilized so company will provide you bonus which will be 25% of your basic coverage you will get it for
4years where it will come 100%.

Sir lastly buying this health insurance you also get Income Tax Benefit under Section 80D, if any one
Age is less than 60Years they will get Rs. 25000 Exemption. For those aged above 60Years plus will get
50000 Exemption.

If i buy the policy for myself or family I will get 25000 exemption plus if my parent are above 60year
then I will get another 50000 exemption or if my parents are less than 60Years then 25000 Exemption
I will get.

Sir as you’re aware every policy has Term’s & Conditions here also you have common 3
Conditions.
1st. For the first 30days only accident medical coverage will be there and nothing else will get cover.

2nd. Specific Disease like Cataract, piles, fistula, kidney stone removal, gall bladder, hernia, uterus
removal, ENT, Slip Disc will not be covered for first 2 years in any health insurance policies.

3rd. Pre Existing Disease sir before taking the policy if any pre existing disease is there that will not be
covered for 3years in the policy.
FINAL CLOSING
Sir any doubts about the policy let me know will clarify.

Sir if you provide us the small appointment my sales manager will come and brief you once and you
can do the formalities for buying this policy.

Take full Address with land mark.

Sir documents required to buys policy is very simple we just need premium payer PAN CARD,
AADHAR CARD & One passport size photo and other family member any one age proof and payment
can be paid by cheque and online.

Can i get your alternate number?

Sir you will get a conformation call once kindly attend the call.

Thank you so much for your precious time have a good day sir.
 STAR HEALTH COMPREHENSIVE PLAN PRESENTATION
Caller: Hi sir/madam Very Good Morning/Afternoon/Evening my name is Abhishek and I’m calling
you from STAR HEALTH Insurance. This call is regards to tell you about Health Insurance for your
family can i speak to you few minutes.

Customer: No…I’m not interested….i already have Health Plan…..i have my company policy etc etc

OBJECTIONS
Direct Not Interested
Caller: Sir I hope your busy now can i call you in the evening around 4pm.
Customer: Ok Call me OR Don’t Call me I’m not Interested.

I Already Have Health Plan

Caller: Sir it is good to know that you have taken the policy me know from which company you have
taken? And what is the annual premium you are paying? Sir the reason why i asked you because here
you have an option to PORT your policy without losing your policy continuity with lesser premium
and higher benefit.
I have My Company Policy
Caller: Sir Good that you have your company policy but as you’re aware that your company policy
will be active only till the time you’re working with the company but once you leave it can’t be carry
forward. Sir secondly the coverage what you get from the company policy will be very limited.

Still customer says No:

Caller: Sir we to have TOPUP Policy with very less premium and with higher coverage I will pass the
call to my senior you can speak.

If Customer Say ok tell me the Plan

Caller: Sir before i proceed with the policy me I just confirm for whom you’re looking for? And
what is the Ages

Customer: I’m looking for my family My Age-46(2a+2c) or FOR my Parents their ages are
65/60.
Caller: Ok sir thanks for the information, sir here we have a plan called as ASSURE this a high
End policy where you will not have any capping or sublimit for anything.

Sir based on the ages you have given for Example if you’re taking the coverage of 10Lac your premium
is 20000 with GST per Year.

Sir here 1st benefit is CASHLESS, here you will get the cashless card for you and your family where
we have tied up with more than 12000+ network hospitals in India where you get completely cashless
and for non-listed hospital you will get completely Reimbursement.
Reimbursement means you have to pay the bills from your side then with all discharge summary and
bills if you submit to us we will refund you with in the time limit.

Next Benefit Is Hospitalization here for any hospitalization for 24hour we will give the claim
in terms of room here you get Single Standard A/C room with no upper or lower limit this also includes
room rent, boarding charges, nurse fee etc, and in case of any emergency even for ICU there is no
limitation. Here all your charges will be paid like, doctor fees, operation theater chargers, diagnostic
charges and incase of any surgery even surgeon fee’s will also be paid, in simple if I have to tell you
from admission till discharge whatever the bills come’s will clear sir.
Next Day Care Procedures Sir as you know now way days modern treatment like laser and
robotic surgeries are famous where 24 hours hospitalization is not required surgeries like Cataract,
Kidney Stone Removal, Angiography Etc we cover even this surgeries under day care.
Sir just like other companies we don’t have any specific named surgeries for day care any surgery which
considered as day care we will provide the claim.

Next we do cover Pre and Post Hospitalization sir as a common person no one will come
to know immediately in case of any disease until we do some test with doctors consultation.
We cover all your expenses like Doctor Fee’s, Diagnostic charges etc before hospitalization up to
60days.
And once discharged from hospital again for any medicines and reviews we will cover up to 90days
under post Hospitalization.

We Do Cover Road Ambulance charges and incase if you’re traveling out of station for treatment we
provides you Air Ambulance facility.

This policy will also cover Maternity after 24month of the policy.

In this policy we do cover your Outpatient Doctor Consultation Free Depends on coverage from 1200
to up to 2500.
We do cover dental OPD where no insurance company provides again depending on cover from 5000 to
25000 you get reimbursed every 3years once in the policy.

Sir the main benefit under this policy is Auto Restoration suppose sir here you’re taking a Coverage of
10Lac if this 10Lac got exhausted within a year in the same year will provide 100% Coverage without
any additional charge, this can be utilized for same person same disease or there person also.

Apart for this you also get NO Claim Bonus suppose sir your taking this policy and you didn’t
utilized so company will provide you bonus which will be 100% of your basic coverage immediately for
the first year itself for 7.5lac and above coverage, if your taking for 5lac coverage then you will get 50%.

Sir lastly buying this health insurance you also get Income Tax Benefit under Section 80D, if any one
Age is less than 60Years they will get Rs. 25000 Exemption. For those aged above 60Years plus will get
50000 Exemption.

If i buy the policy for myself or family I will get 25000 exemption plus if my parent are above 60year
then I will get another 50000 exemption or if my parents are less than 60Years then 25000 Exemption
I will get.

Sir as you’re aware every policy has Term’s & Conditions here also you have common 3
Conditions.
1st. For the first 30days only accident medical coverage will be there and nothing else will get cover.

2nd. Specific Disease like Cataract, piles, fistula, kidney stone removal, gall bladder, hernia, uterus
removal, ENT, Slip Disc will not be covered for first 2 years in any health insurance policies.

3rd. Pre Existing Disease sir before taking the policy if any pre existing disease is there that will not be
covered for 3years in the policy. (But sir here if you can’t wait for 3years we can reduce the waiting
period from 3years to 1year by paying the extra premium only for the first year)
FINAL CLOSING
Sir any doubts about the policy let me know will clarify.

Sir if you provide us the small appointment my sales manager will come and brief you once and you
can do the formalities for buying this policy.

Take full Address with land mark.

Sir documents required to buys policy is very simple we just need premium payer PAN CARD,
AADHAR CARD & One passport size photo and other family member any one age proof and payment
can be paid by cheque and online.

Can i get your alternate number?

Sir you will get a conformation call once kindly attend the call.

Thank you so much for your precious time have a good day sir.
POINTS TO REMEMBER FOR ASSURE AND COMPREHENSIVE
PLAN

1. CASHLESS
2. IN PATIENT HOSPITALISATION BENEFIT
3. PRE HOSPITALISATION
4. POST HOSPITALISATION
5. DAY CARE PROCEDURES
6. ROAD & AIR AMBULANCE
7. MATERNITY
8. AUTO RESTORATION
9. NO CLAIM BONUS
10. WAITING PERIODS
11. TAX BENEFIT
12. DOCUMENTS