honey bees - star health insurance

My Dear Honeybees,Welcome to 2021, I am happy to present the first edition of STAR Honeybees in the brand new Year.

This edition features information from various departments of our STAR Health family, while highlighting the growth milestones that we have achieved in the Year 2020. My thoughts are gliding down to conjure up the picture of resilient STAR Health that has risen to the occasion amid the unparalleled crisis last year, due to the pandemic.

Our great company has shown its character during such challenging times by staying grounded to the founding values of being personal and caring. Adherence to those values has prompted many right actions that we have taken at the right time. Be it service excellence, embracing technological advancements or be it adapting to the new normal of remote working, we peaked every time.

Living up to the famous saying “When the going gets tough, The tough get going” STAR Health was able to exhibit the intent and the power to beat the challenges posed by the bygone year, whilst ensuring operations were smooth, the company’s growth is on the track and all the stakeholders were more than happy.

The Year 2021 is looking more vibrant, as we stand firmly as seasoned sailors, those who have successfully weathered the storm. However, my dear Honeybees, there should not be any room for complacency in our thoughts and actions. So we should remain committed to our values as ever and channelize our energies to reach the goal.

We can and We must. Please continue to follow all Covid 19 safety precautions while going about your work.

My best wishes for health and happiness to you and your loved ones.

FROM THE DESK OF THE CHAIRMAN

My dear STAR Health Family Members,

StarHoney Bees

A Bi-Monthly E-Newsletter

TEAMING FOR SUCCESS

Chairman & CEOV. JAGANNATHAN

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My heart keeps rejoicing as I connect with my family members every time. I am immensely glad to share my thoughts with all of you, through STAR Honeybees. This edition is significant, for being the first edition in this year. I am happy to march into this promising year with my large family consisting of over 3.50 Lakh agents, more than 6000 SMs and ADMs and over 14000 employees working at 600+ branches spread across the nation.

It is said, an ocean of success is formed by drops of sincerity. In the Year 2020 STAR Health has scripted a success story by embracing the new age technology best practices and the time-tested mantra of service to the customers amidst the crisis times. We have efficiently pulled off a glorious feat through IT initiatives, Service efficiency, Claims handling, HRM, Grievance Redressal, Value added services and Smart/ Remote working culture, etc. The result of each of your drops of sincerity was phenomenal: In the first and second quarter we achieved targets beyond 100%.

But no situation is permanent, even the favourable ones as well. As with the fear of pandemic started to wane and the vaccines have started to come out, we are seeing a dip in growth. However, we should not be panicking, because I see the situation as a wake up call to get back to our basics and introspect on how to increase the month on month growth.

Though the impact of COVID is receding, the huge awareness created on health insurance will remain. We all should come together and explore every other possibility to sell our products to new customers. As you all know, our wide range of products cater to all age groups/segments of society. Having such a great arsenal of products and efficiently supported by our service team, I am sure no summit is too tall to surmount.

The current situation calls for a greater sense of accountability. So let us take ownership of our everyday actions taken towards the growth of our company, let us work as one STAR Family to realise our target – Mission 10K Crore.

With best wishes for a progressive 2021.

FROM THE DESK OF THE MD

VOL 1, ISSUE 7 Jan-Feb 2021

Managing ANAND ROY

Director

CHRISTMAS, NEW YEAR, PONGAL AND SANKRANTHICELEBRATIONS AT BRANCHES

Christmas Celebrations New Year Celebrations

New Year Celebrations

Kids Drawing Contest for New Year

Sankranthi Celebrations Sankranthi Celebrations

Vijayawada AO

Erode Branch II

Coimbatore ZO

Pongal Celebrations

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Q & A SESSION WITH OUR MD

ROLE OF CLAIMS DEPARTMENT IN THE GROWTH OF THE ORGANISATION

1. How important do you think the Claims Department and how its role can be directly linked to the growth of the Organisation?As you all know, Power of Insurance is settlement of claims. We are the custodian of common fund and we have to play the role of responsible guardian. So we ascertain proper settlement to the satisfaction of our customers.

3. Could you please explain the process of claim processing currently adopted by Star Health?In order to make every salesperson understand the claims process flow in a simple way we have made the following tree diagram on how a claim can be intimated and what is the process flow involved.

2. What are the roles and responsibilities of Doctors and Specialists in the organisation?

Medically qualified and trained people are the most sought-after resources for any health insurance company. One of the unique features of STAR Health is the presence of Doctors in Good number in the organisation. Their services are catered to the following areas:

i) Working alongside the Product Department in coming up with innovative products (Cancer Care, Cardiac Care etc.,) which provide cover for people with Cancer, Surgery for Morbid Obesity, Payment of Donor Expenses for Organ Transplant, etc.

ii) Medical underwriting, to come up with an all-inclusive approach - so that majority of proposals can be accepted or moved to another product. (instead of rejecting can ask the insured to buy another product)

iii) Handling claims from hospitals and in that process verifying whether the right treatment is being given to our customers as part of our Policy holder's protection.

iv) Fraud detection and mitigation

v) Grievance Handling – Nothing like a medically qualified Doctor handling a grievance.

Dr. S. PrakashMS., FRCS (Glasg), FAIS

Managing Director

Reimbursement Claims Processing

Receipt of Documents

(ROD)

Medical Processing

Bill Processing

Documents received

Acknowledgment created

ROD done

Financial Approval of the Claim

Forwarded to Payment team

Capturing ICD and PCS

Query to Customers wherever needed

Medical team decision taken

Cashless Claims Processing

Document received from the Hospital

Document Processing

Medical Processing

Communica�on and Se�lement

to Hospital

Document received from hospital through portal/ email/ star fax

RemovingDuplicate

Move to Match Q

Enhancement documents received

Medical Verifica�on of Claim

Enhancement decision taken by medical team

Final Approval communicated to hospital

Inputs Data from Documents into system(Galaxy)

Capturing ICD and PCS

Billing calculated based on the

inputs from medical team

Forwarded to FA team

Financial Processing

Customer sa�sfac�on team communicates the reason for deduc�ons and rejec�ons to customer

Hospital se�lement done by FA team, once original documents received from hospital

Provide Policy /Portability informa�on to Medical Team

Request to hospital for addi�onal documents where needed

Pre authoriza�on decision taken by Medical team

Ini�al decision communicated to hospital

Final bill calcula�on done by FLP

Reasons for deduc�ons or rejec�ons provided

Medical Verifica�on of Claim

If needed Field visit or Inves�ga�on assigned

Medical Team inputs/ decision to Billing team- highligh�ng areas of deduc�ons.

Claim se�lement document created

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5. How are you managing other stakeholders like Hospitals, Diagnostic Centres etc., who are associated with our Organisation?

We can proudly acclaim that Star Health Insurance is a PREFERRED HEALTH INSURANCE PARTNER for most of the hospitals nationwide. We constantly interact with major hospitals and conduct periodic forums like Progress through Synergy to further strengthen our association. We have Relationship Managers who are in constant interaction with our associated hospitals and they will be more than ready to address any grievances/issues in person.

6. What do you think, use of IT/technological advancement can be the key for better TAT and thereby achieving better customer satisfaction?

We are very sure that the interactions between Insurance companies and hospitals can be made quicker with IT / Technological advancements. A strong and user-friendly Technology Platform between Hospitals and Claims Department can enable hassle-free and prompt services creating absolute customer satisfaction. We are in process of upgrading our existing platform.

7. What are the measures adopted by you to prevent financial leakages through frauds, fake claims, etc.?

We have adopted a Multi-pronged approach for detection and prevention of fraud. We have a very strong vigilance department.

i) Identifying hospitals with high index of suspicion for fraudulent activity at the time of processing a claim and referring them to the vigilance team.

ii) In-house verification team with relevant expertise to conduct visits and procure necessary evidence in case of doubtful claims.

iii) We have created an exclusive vertical to analyse and investigate claims prone hospitals and branches with high ICR.

iv) We are in the process of introducing a technology based rule engine for fraud detection and mitigation, while we process a claim.

9. How’s the “new normal” after the COVID 19 Pandemic, how challenging it was and how did you overcome it? There has been an accelerated business growth following the pandemic. Our association with hospitals and service to customers have further strengthened during the pandemic with digital adaptation. Our efforts to achieve standardization of protocols with hospitals is also becoming successful.

10. What are the measures in your opinion, that can change customer dissatisfaction / satisfaction to customer delight?

By measuring the level of customer satisfaction and identifying the reasons for dissatisfaction and bringing in the desired changes in the respective service areas, I am confident, we can win the satisfaction of our customers.

8. How can you help us in increasing fresh policy growth and enhancing renewal retention?

1. A satisfied customer can bring in more references.

2. Customers should not feel that we are contacting them only during renewal, hence we are offering Wellness Programs like Condition Management Program (CMP) for customers with Diabetes, Hypertension, Heart Disease etc. We are coming up with Webinars on common health issues, which is expected to deliver a lot of medical information. We are going to introduce online Yoga and Meditation Therapies.

3. We are helping customers in tracking their health through Wearables and Mobile Apps.

4. Tele-Medicine service is offered through a group of qualified Medical Experts who are helping our customers in getting electronic second opinion and also during health emergency.

My best regards for a healthier, happier and successful days ahead.

Q & A SESSION WITH OUR MD

4. What do you think, how satisfied our customers are with the current claim settlement timelines?(Turn Around Time)

The department is taking necessary and continuous efforts to maintain a turnaround time of 95% within 90 Minutes in cashless and settlement of reimbursement within 7 days in 90% of reimbursement claims. Please note, delay can happen due to incomplete submission of documents by the customers/Hospitals. Very rarely there can be unforeseen IT issues creating delay which is addressed currently with our efforts to bring in advanced technology solutions.

STAR IT

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ACCOMPLISHMENTSIN 2020!

IT Department of STAR Health Family has implemented a slew of initiatives in 2020 that have contributed phenomenally towards the growth of our organization. The remote working functionality has been perfectly adapted by IT during the lockdown times and beyond. IT Team's initiatives and efforts ensured the ease of processes in all departments including marketing, underwriting, administration and digital assets.

Listed below are the SIGNIFICANT Accomplishments of IT in the Year 2020, touching all of Star Eco-System covering Customers, Agents, Providers and Internal Operations alike!

Virtual Office (VO) - The most significant transformation implemented for Marketing Department

Key Modules of Virtual Office (VO): Sales Enablement, My Business, My Earnings, Customer360, Product 360, Dashboards and Claims Journey

Solutions, benefits and interesting facts:-

• Agents and Sales team have many features and tools for understanding customer needs and complete the sales in one roof

• VO launched and adopted Pre-Covid times had been the game changer and saviour for Business going uninterrupted during Covid!

• VO integrates with core systems such as Premia and 3rd party partners to complete the sales process seamless to improve the Agent & Customer experience

New Underwriting System - BaNCsThis new system is being implemented to take care of the growing business needs

New Solutions and Major benefits:-

• Enhanced or New features like Auto allocation, Commissions, Cross product migration, Cloning, Bulk printing, Account Payables, and Account Receivables etc.

• CMU workflows, TVC Workflows, and CMU Dashboard for doctors have been dedicatedly designed

Other Key Projects implemented for marketing department:-

• Policy document Download Option from consumer Portal – improved customer satisfaction

• Feedback Services for Agents – Helped in understanding Agents Pain Points, Faster Resolution & Adoption

• Renewals for RM & SM - Improved portal had Increased Renewal Retention & conversions with ease of use and reduced manual effort

• Twinkle, chat bot, 3 new key features (Locate Us, Claim Status & Covid FAQs) to improve customer satisfaction. Due to COVID, seeing huge adoption from customer

• Bonus Tool - Introduced in claims and underwriting to prevent financial losses to Star

• IRDAI compliance - Issuance of electronic policies and other Compliance & Regulations are addressed

• Internal Audit Improvement - Covers Compliance of 64 VB & Free look cancellation and Enables Auditor & Improves Auditing

• Corporate Employee: Claims & Endorsements - Enabled online claim submission for corporate employees

• Claims Journey via Customer App (Star Power) - Digital claims journey enabled

STAR IT

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STAR IT Team

PRODUCTS AND SERVICE IMPROVEMENTS INTRODUCED/REVISED:

Four NEW Products Arogya Sanjeevani

Young Star Insurance Policy

PA Floater and Cover > 3 Cr

3 New CoronaBased Products

Star nCov,

Corona Kavach &

Corona Rakshak

Key Benefits:

• Introduced new PCC workflow to negotiate with hospitals to reduce the Bill inflation

• Process owners across departments involved during negotiation to ensure greater saving

• Helps to analyze the Hospital grading• Helps in arresting excessing or

incorrect billing

Claim Services Improvements for COVID-19

Post Cashless Cell (PCC)

• New Legal Portal and Legal Management System Developed with end-to-end digitization for integrated Legal Operation, helping Legal Department in improving accuracy, tracking, timely response and reducing TAT of all Legal Matters

• Tele Medicine System developed with Appointments, Chat, Token, Audit & E-Prescriptions etc.

• Wellness system for Preventive health care awareness and special caretaker for star customer

• Work Diary for daily task tracking across Star Health Teams

New/Improved Service Programs

• Process Reengineered (without physical bills & Based on Scanned Copy) to process claims

• Implemented many IRDAI Guidelines

• Achieved higher Customers and Hospitals satisfaction for clearing claims using COVID norms

Auto Allocation of Claims –Process Improvements

• Introduced New Approach: System Assigns Claims to team automatically for “First IN First OUT” basis of processing

• Helped to reduce the TAT (Turn Around Time) by eliminating manual intervention

Major Benefits:

Business process processing change helped to improve TAT

Better customer satisfactionImproved Productivity

IRDAI Sand Box Program

Assisted Auto adjudicationimplemented in parallel tohelp in claim adjudication accelerations and brings inthese benefits!

Added New FeaturesPermanent Exclusions

and Revisions in Long Termfor SCRC, Micro Rural and Farmers, Diabetes Safe & Cardiac Care, India Bulls

GHI product, Family Accident Insurance

Products...

All new/revised and Covid special products (stated

above) are supported in

short time

Common Support Track

Major Infrastructure Programs

• Enabled Work From Home (WFH) & BCP during Covid

• Cloud Direct Connect (AWS & Oracle) implemented for improving the Service Performance

• Cloud Server Services (AWS -180, Azure-19 & Oracle -135) provided for 40 applications

• Secure & controlled browsing and operations with all Servers/Services and End-points

• All Branch & End User Service and Support are taken care

Sapphire Ticketing Tool

• Implemented to tracks and close support tickets in PAN India basis.

• This team provided issues resolutions within SLA of 2hrs and implemented on various approaches to reduce the TAT

Release & Deployment Team

• The Release team supported for all the above Marketing, Claim and Underwriting applications' release and deployments

• It had over 2000+ Releases to support Products & Services across the board

Improved our Appeal, Customer Convenience & Satisfaction

Increased Premium collection even during Covid

Business model change such as introduction of EMI option created positive impact on Top line

Along with EMI facility - Enabled for

Family Health Optima

Senior Citizens Red Carpet,

Arogya Sanjeevani

Young Star Insurance Policy

Author of the Month – 1st Prize

Till few months back the terror of Covid-19 was so fierce that all of us were locked in! There were times when even while seeing a movie, a scene with crowd in it, brought goose bumps! The crowd though remote, made us uncomfortable and anxious. But now the trend is changing. Needless to mention, sanitizer, mask, social distancing, hygiene and health all being a very prominent part of our life and attention even now! During the festive season and New Year, the crowd of people were seen shopping on streets. Why so?

Though the option of ONLINE shopping is within comforts of our home is available, we all crave for personal interaction. ONLINE shopping is ONE WAY COMMUNICATION. The pleasure of bargaining, the satisfaction of discounts and smile on vendor’s face while generating the BILL were all missed badly! So we saw people “WALKED AN EXTRA MILE” to create buzz in local market, boost the local economy, and rejuvenate the relationship with local vendors. We know rather hope that covid times have reminded the vendors too, the importance of a WALK IN CUSTOMER who willingly walks into their shops and needs to be taken seriously and deserves to be treated specially.

The case is relevant to our business too… ONLINE POLICY ISSUANCE flourished and kept us moving closer to our Targets but now we see the graph lowering. The basic human nature always demands attention, wants communication, personal interaction and looks for building rapport! TWO WAY COMMUNICATION is always trendy!

So our field force is now actually risking their health but still WALKING AN EXTRA MILE to keep the business graph up!!

Our RURAL CHANNEL where untapped market has to be captured, people may not be very tech-savvy. They still trust dealing in person. Though ONLINE platform is available, the significance of interacting by WALKING UPTO THEM remains peerless. At one time TELEVISION was seen as threat to RADIO. But time proved it was a myth! So also are our ONLINE and OFFLINE platforms both can thrive equally!

Though our veteran & established marketing force stand strong, we still feel the need to PUMP IN FRESH blood. It is so important to educate and create awareness about health insurance in youngsters at early age. Thus the Fantastic concept of AOD Channel introduced! Our company walks an extra mile to utilize the young energy by enhancing their capacity and entrusting greater responsibility on their YOUNG SHOULDERS!

The success of any movie does not depend on whether it is released in MULTIPLEX or in an ordinary theater, The CONTENT (story and presentation) decides its destiny! Similarly as long as our PRODUCTS are worthy, services are unmatched and there is willingness in each team member to walk an extra mile irrespective of the circumstances around us, we will continue to shine as BRIGHTEST STAR in the insurance industry forever!

Usha DubeySr. Manager- AdministrationPune ZONE

Pushing aside the threats, comingin the way of success... & WALKING AN EXTRA MILE

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Author of the Month – 2nd Prize

Sumithra.SAGM-Training & DevelopmentCorporate O�ce

How to establishCredibility & Trust withyour Prospect

“Our Health Insurance policy provides the much needed protection. It shields customers savings during a medical emergency. We can prove it” Our data confirms our claims. But still they don’t buy! What’s going wrong?

Let’s think of this situation.

We have a great product.

People want what our product does. And we can prove it.

But still they don’t buy, even after we showed them that buying would be

the logical thing to do.

A main sales challenge indeed. Something doesn’t add up!

After dealing their objections on a logical level, and still they don’t buy - let’s look at the emotional level.

Doubt! They are apprehensive! They’re afraid of being wrong!

They logically know that it makes sense to buy our product. But some fear makes them skeptical.

These fears are not purely rational. If a prospect has irrational fears related to our product, and we try to address those with rational arguments, what will happen? That’s a fight we can’t win. If we can’t use rational arguments, how can we overcome irrational objections?

Sell on three levels Address the elephant in the room Make them recall positivereference experiences

Generally, we tend to sell only the Product, which is just one level.

What are the other two levels?

1. We need to Sell Ourselves as someone who is trustworthy.

2. We need to Sell the Company - Star Health, as a business that is stable, growing and winning in the market in leaps and bounds.

Our prospect might not be a product person. He doesn’t have the technical expertise, hasn’t spent years developing and creating products, doesn’t understand how our products works exactly. How can he trust something which he doesn’t fully understand? We need to make him trust in OURSELVES and our COMPANY.

“Our plan helps you to stay protected against a medical emergency”. Everyone can make a claim like that. But it would add value when we show data and case studies of how many customers were protected especially during this pandemic, because they chose our plan.

Do they have an objection that they don’t feel comfortable bringing up? Good! This is an opportunity to bring it up!

Most of us focus on the common objections and stay oblivious of the latent objections if the prospect doesn’t bring them up. Instead, what we have to do is pull this hidden objection out of the dark, put it in the middle of the room, shine a big bright light on it in front of our prospect.

How exactly do we do that?

Preparation. Identify what exactly scares them. Make a list of the three most latent fears prospects would have that prevents them from making a buying decision.

Then say:

“I know what you are thinking. You are thinking ‘This really works. Now I actually have to consider purchasing it. You are skeptical about (fear 1), (fear 2) or (fear 3) right? That’s completely normal. I encounter this every time. That’s how every single of my customers felt at first”.

Give them a chance to verbalize and express their concerns. Have them nod in agreement and say “Yes”. By letting them express this fear, we are di�using the emotional impact it has on them.

Have them remember a time when they were in a similar situation - where they bought something with a lot of apprehension and then later they were glad they did it. Ideally something that five or ten years ago everyone purchased it, and that has now become an industry standard. If we have an example like that, it’ll help to resolve the emotional stress of a buying decision.

So, if you sense a lack of confidence, make sure you sell on all three levels, address the elephant in the room, and make them recall positive reference experiences.

Happy Selling!!!

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The 3 Levels of Trust

Person

CompanyProduct

MARKETING DEPARTMENT DRIVE - DEC.2020

UIN: SHAHLIP21217V032021

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DO THE DOUBLE

In December 2020, Do the Double Business Drive Scheme has been conducted among SM/SSM/ADM/RM/SMR and In-charges of Branch, Territory, Area and Zones. The target was set to Double the fresh retail premium over December 2019. Fresh Retail Premium of Rs. 2 Lakh and above was set as minimum eligibility. Once the Drive was set in motion, we have received overwhelming participation and were glad to notice many participants exceeding the targets. On completion of the Drive, the winners were duly rewarded with a personalised T-shirt signed by our MD and Certificate of Appreciation signed by respective JED and MD.

Top 3 Zones that achieved the target

SALES MANAGER DAILY ACTIVATION DRIVE

TOP 3 ZONES

PHASE IV (WEEK 4) MTD DEC’20

AHMEDABAD – 94%

HO/ ONLINE – 94%

DEL AO-II – 86%

DEL AO-I – 87%

AHMEDABAD – 81%

DEL AO-II – 81%

RANK 1

RANK 2

RANK 3

On reviewing the performance of Sales Managers, we have observed that the percentage of active SMs on daily basis is very low. In order to motivate and increase the average performance of the active SMs, Sales Manager Daily Activation Drive has been conducted for Branch/Territory/Area and Zonal In-charges in all zones.

The Target PHASE IV (Week 4)Stage One: 50% of the SM to be active with at least one fresh health policy in a day or log in a fresh premium of Rs.5000/- for each day

Stage Two: 60% of the SM to be active with at least one fresh health policy in a day or log in a fresh premium of Rs.5000/- for each day

Stage Three: 70% of the SM to be active with at least one fresh health policy in a day or log in a fresh premium of Rs.5000/- for each day

Stage Four: 75% of the SM to be active with at least one fresh health policy in a day or log in a fresh premium of Rs.5000/- for each day

All zones have put forth a spirited performance. The Toppers who

have achieved the target of all four stages have been rewarded with the Certificate of Appreciation

signed by respective JED and MD.

TOP 3 ZONES

Pune

40%Dehradun

40%DelAO-I

36%

Rank 1 Rank 2 Rank 3

YOUNG STAR INSURANCE POLICY

UIN: SHAHLIP21217V032021

A Smart Health Policy for the Smart Young STARS

An indemnity Health Insurance for the youths of India

Young STAR Insurance Policy has been devised to act as a lifelong companion for the insured by easing away their worries and protecting what matters most to them. The product o�ers protection to the youth age group from 18 years to 40 years. Under the floater category the policy covers a family consisting of 2 Adults and 3 Children (From 91 days - 25 years).

Features

Coverage

Key Highlights of thepolicy

Key Di�erentiators of Young STAR InsurancePolicy:

Ideal for Individuals and Family

Policy Term: 1 Year, 2 Years and 3 Years

Sum Insured Options (Rs. In Lacs) 3L/ 5L/ 10L/ 15L/ 20L/ 25L/ 50L/ 75L/ 100L(3 Lac - Individual Cover) (5 Lac to 100 Lac Floater cover and Individual Cover)

Plan Options: Silver Plan & Gold Plan

Hospitalization All day care procedures

Pre & Post - Hospitalization

60 Days & 90 Days

ICU, Doctor Fees, Diagnostic Tests,

Drugs & Medicines

Health Check-Up(After each policy year)

Road Ambulance

• EMI Option for Premium Payment

• Additional Basic Sum Insured for RTA – 25% of SI, Up to 10 Lac for Wearing Helmet

• Automatic Restoration of Sum Insured Up to 100%

• Cumulative Bonus – 20% for each claim free year, up to 100% of SI

• Up to 1 Crore Sum Insured at a�ordable premium

• Lifelong discounts for early entry before 36 years

• Star Wellness Program

• Modern treatments

• Psychiatric & Psychosomatic Treatments

Advantages:

Waiting Period:

Midterm Inclusion: Delivery Cover Available under

‘Gold Plan’

Pre-acceptance medical screening

not required

E-Medical Opinion (from STAR’s expert

panel)

Cost of Health Check up

Hospital Cash - available under

‘Gold Plan’

30 Days (Not Applicable for Accidents)

12 Months for Specific diseases

12 Months for Pre-existing diseases

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Lifelong Renewal

a. Legally Wedded Spouseb. New Born Babyc. Legally Adopted Child

Product Highlights

• Instalment Premium Options available on Monthly/ Quarterly/Half-yearly/Annual Basis

• Medical Screening: Required for persons above 50 years of age.

• Co-Pay - 5% for all claims

• TAX BENEFITS - Under Section 80D of the IT Act

UID: SHAHLIP21119V022021

A simple policy loaded with essential benefits

AROGYA SANJEEVANI POLICY, STAR HEALTH AND ALLIED INSURANCE CO. LTD.

Arogya Sanjeevani Policy is a highly beneficial health insurance policy devised to cover the most essential requirements of the insured while they are on the road to recovery. This policy covers anyone between 3 months and 65 years with variable sum insured up to 10 lakhs.

Policy Type

Individual &FamilyFloater

Entry Age

Individual3 Months – 65 Years

Floater CoverAdults: 18 to 65 years Children: 3 months to 25 yrs

Policy Covers

Self, Spouse, Dependent Children, Parents and Parents-in-law

OneYear

Policy Term SUM INSURED OPTIONS (Rs.)

Min. 1 Lakh Max. 10 Lakh(Multiples of 50,000/-)

Hospitalization Benefits ICU Charges

All day care procedures are

covered

Life time renewal

Cumulative Bonus - 5% for each claim

free policy year, up to max. 50%

Advantages

Pre and post hospitalization

30 days and 60 days

Cataract treatment – 25% of SI, or

Rs.40000/- which ever is less

AYUSH Treatment covered up to 100%

of sum insured

Modern Treatments are covered up to

50% of sum Insured

Waiting Period

• 30 days for illnesses/ surgeries/diseases (except accident)

• 24 months for specific diseases and 48 consecutive months for joint replacement treatment unless arising from accident and Age-related Osteoarthritis & Osteoporosis

• 48 months for pre-existing diseasesRoad AmbulanceMax. Rs.2000/- PerHospitalisation

Rural discount- 20% of the premium

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2% of the Sum Insured, Up to a maximum of Rs.5000/- per day

5% of Sum Insured, Up to Rs.10000/-

Per Day

STAR WELLNESS

As Covid vaccination drives are occurring globally, India has joined the mission by approving 2 candidates ie. Covishield (Oxford -Astra Zeneca SII) and Covaxin (Bharath biotech ICMR) for usage among population. Dry runs where vaccine is initially given and vaccination drives have been taking place in various states.The GOI has informed that high risk groups (including front line health care workers) would be vaccinated on PRIORITY basis.

FAQs about the vaccine:

VACCINECOVID-19Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat

VACCINECOVID-19Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat FAQs

1. Will the vaccine be safe?* The vaccine will be used only after the regulatory bodies have

cleared it based on its safety and e�cacy.

2. Priority list for the vaccine?* Initially the high risk groups will be vaccinated. The first group

will be health care and front line workers. The second group will be will be persons over 50 years of age and persons under 50 years with co-morbid conditions. Though the age eligible is all above 18 yrs, it excludes children below 18 years, pregnant and breast feeding mothers.

3. Is it mandatory for everyone to take the vaccine?* It is voluntary but it is advisable to take it to protect yourself

and limit the spread of the disease to others.

4. Can a person on medication for Cancer, Diabetes, Hypertension etc take the vaccine?* Yes. Persons with one or more of these co-morbid

conditions are considered high risk category. They need to get COVID -19 vaccination.

5. Should a Covid recovered person take the vaccine?* Yes, it is advisable to take the vaccine as it will help develop

a strong immune response against the disease

6. Can a person having Covid (suspected or confirmed) take the vaccine ?* Infected persons can take the vaccine 14 days after

resolution of symptoms

7. Process for getting the vaccination

* It is mandatory to register with the Health Department. Registration requires Photo ID and this must be produced and verified at the time of vaccination.

* Following online registration, beneficiary will receive SMS on their registered mobile number on the due date, place and time of vaccination.

* On getting due dose of COVID 19 vaccine, the beneficiary will receive SMS on their registered mobile number. After all doses of vaccine are administered, a QR code based certificate will also be sent to the registered mobile number of the beneficiary.

*The COVID-19 Vaccine Intelligence Network (Co-WIN) system, a digital platform is being prepared and will be used to track the enlisted beneficiaries for vaccination and COVID-19 vaccines on a real-time basis.

8. What are the precautions to be taken at the time of getting the vaccine?* Inform about your allergies and medications to the healthcare

personnel. Rest at the vaccination centre for at least half an hour after taking the COVID-19 vaccine. Inform the nearest health authorities / ANM / ASHA in case you feel any discomfort or uneasiness subsequently.

9. Is wearing a mask required after vaccination?* Yes. It is important to continue to take all precautions such

as wearing a mask, washing hands / using hand sanitiser and maintaining physical distance of at least 6 feet.

10. What are the possible side e�ects of the vaccine?* As is true for other vaccines, the common side e�ects in

some individuals could be mild fever, pain, etc. at the site of injection. States have been asked to start making arrangements to deal with any Covid-19 vaccine-related side-e�ects.

11. How many doses of the vaccine have to be taken?* Two doses of vaccine, 28 days apart, need to be taken by an

individual to complete the vaccination schedule.

12. When will the antibodies develop ?* Protective levels of antibodies are generally developed two

weeks after receiving the 2nd dose of COVID-19 vaccine.

The Government of India (GoI) has constituted a National Expert Group on Vaccine Administration for COVID-19 (NEGVAC). As the way is being paved in India, it is important to keep in mind that even after people are vaccinated, preventive measures such as wearing of mask, hand hygiene, social distancing and respiratory hygiene have to be continued to ensure an e�ective response against this pandemic.

(As per the information from the Ministry of Health and Family Welfare)

Dr AsiyaJVP Medical Chief Mentor - Wellness Department

Dr Shameem Habib Telehealth

Ms Sudhakshina Health Coach

COVID VACCINE

13

STAR TELE-MEDICINE

Dear Star Family,

We o�er patient care remotely when the provider and patient are not physically present near to each other via the“TALK TO STAR” which is a free of cost service available through mobile App and tele-call. Our panel consisting of medical experts from various specialities provide the patients with adequate guidance giving the consultation in the form of counselling, prescription, examining medical reports, second opinions and to even solving a tiny clarification that they might have not had the opportunity to do with their regular doctors.

This facility is a very convenient mode of doctor consultations as it can be done at the comfort of your home or place of preference. The medical records and photographs of the issue of concern can be uploaded in the application in a matter of seconds and are maintained super confidential during and after your consultation.

Appointments can be booked by placing a telecall and you will be assigned to the concerned specialist of your requirement. This initiative has presence across India and we have ensured that language preferences are met for the ease of communication making it totally hassle free for anyone who wishes to utilise our services.

“TALK TO STAR” played a pivotal role during the recent tough pandemic times by providing a COVID hotline for the public. We guided the symptomatic individuals according to the ICMR guidelines on whether to go for home isolation, medication or if the condition was the one requiring hospital admission.

Our doctors also had regular conversations with our patients on home care, which helped to keep track of the symptoms and also greatly aided in providing them much needed assurance. Lots of patients also had queries regarding preventative measures and recovery from COVID 19 which were duly counselled about. This drastically reduced hospital/clinic visits, thereby safeguarding the quarantine measures followed globally.

A pool of chronic non-communicable diseases such as Diabetes, Thyroid disorders, Hypertension, Dyslipidemia, Arthritis and many more were counselled. The reports were shared and the medications were prescribed accordingly.

Mind health for patients recovering from traumatic experiences or going through one were also addressed by an expert team pertaining to that area. Patients seeking oncology advice based on the treatment they should opt for and post recovery symptoms management were advised. Skin lesions, Vision problems, Mother and child concerns, bone and joint issues, second opinions whether to undergo surgeries were guided upon. We also contact the post discharged patients and enquire about their well-being and guide them further, if required.

Patients utilising this platform have been very appreciative of this extra edge initiative taken by Star Health and have been on regular follow up with us.

Looking forward in extending and continuing our services.

Dr. Nikarika P, M.B.B.S.,Medical Registrar,Department of Telemedicine

Consultation is available in Tamil,

Telugu, Malayalam, Kannada, Marathi,

Bengali, Hindi and English

35 Plus Doctors on board

Consultation Timing: 8 am to 10 pmDaily

Call us at 7676 905 905

Download the App from

Tele health service has been provided to over 2,05,000+

patients till 31st January 2021

All medicines prescribed can be

bought and delivered home from

NETMEDSpharmacy with a flat

20% discount

DOCTOR CONSULTATION AT YOUR FINGERTIPS

A free telemedicine service

14

IRDAI FLASH FIGURES UP TODECEMBER - 2020

Leading by exemplary performance

* Non-life insurance covers motor, health, fire, etc. Stand alone company covers only a specific segment in Non-life category- STAR is a stand alone health insurance provider.

We have gleefully secured a spot among the TOP 10 Non-Life Insurers in India by achieving 59.49 % market share in SAPHI with 14.58 % Market Share in Health Segment alone. Our market share has increased to 4.33 % in Non-Life Insurers against 4.28% of YTD November. The Premium of Rs. 6305.11 Cr. at 40% growth exhibits the strength of STAR Health.

Great going! Great Team E�ort!!

Ranking

10

IRDAI Performance report Up to December 2020

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIAFLASH FIGURES -- NON LIFE INSURERS (Provisional & Unaudited)

‘GROSS DIRECT PREMIUM UNDERWRITTEN FOR UPTO THE MONTH OF DECEMBER, 2020 (Rs. in crores)

INSURER

For the Month of DECEMBER Upto the Month of DECEMBER MARKETSHARE

UPTO theMonth of

DECEMBER,2020 (%)

GROWTH OVER THE

CORRESPONDINGPERIOD OF

PREVIOUS YEAR(%)

2020-21 2019-20 2020-21 2019-20

Note: Compiled on the basis of data submitted by the Insurance companiesNA: Not Applicable

*Takeover of Reliance Health Insurance portfolio by Reliance General Insurance. #HDFCERGO Health Insurance has been merged with HDFCERGO General w.e.f 13.11.2020 - Hence HDFCERGO General for/upto the month figure is merged figure.

SI.No.

Acko General Insurance Limited

Bajaj Allianz General Insurance Company Limited

Bharti AXA General Insurance Company Limited

Cholamandalam MS General Insurance Company Limited

NAVI General Insurance Limited

Edelweiss General Insurance Company Limited

Future Generali India Insurance Company Limited

Go Digit General Insurance Limited

HDFC Ergo General insurance Company Limited

ICICI Lombard General Insurance Company Limited

IFFCO Tokio General Insurance Company Limited

Kotak Mahindra General Insurance Company Limited

Liberty General Insurance Limited

Magma HDI General Insurance Company Limited

National Insurance Company Limited

Raheja QBE General Insurance Company Limited

Reliance General Insurance Company Limited

Royal Sundaram General Insurance Company Limited

SBI General Insurance Company Limited

Shriram General Insurance Company Limited

Tata AIG General Insurance Company Limited

The New India Assurance Company Limited

The Oriental Insurance Company Limited

United India Insurance Company Limited

Universal Sompo General Insurance Company Limited

General Insurers Total

Aditya Birla Health Insurance Company Limited

HDFC Ergo Health Insurance Company Limited #

ManipalCigna Health Insurance Company Limited

Max Bupa Health Insurance Company Limited

Care Health Insurance Limited

Star Health & Allied Insurance Company Limited

Reliance Health Insurance Limited*

Stand-Alone Pvt. Health Insurers

Agricultural Insurance Company of India Limited

ECGC Limited

Specialized PSU Insurers

GRAND TOTAL

42.30

1,540.97

212.25

377.84

10.26

20.12

437.93

285.90

944.14

1,220.45

709.12

53.45

114.28

100.91

1,353.25

50.30

583.97

302.46

530.24

176.66

737.68

3,179.01

977.21

1,247.37

283.06

15,491.12

110.18

-

70.14

173.06

222.93

841.10

-

1,417.41

927.49

99.95

1,027.44

17,935.97

30.98

1,255.49

245.42

335.81

10.05

14.22

272.30

193.93

674.18

1,104.23

621.80

41.86

114.38

96.98

952.30

12.65

506.02

356.85

400.03

197.44

551.37

2,739.85

1,059.96

1,589.80

628.79

14,006.69

89.57

223.93

47.35

113.74

203.66

671.00

(0.05)

1,349.19

595.09

97.89

692.98

16,048.86

276.91

9,793.84

2,428.60

3,117.84

72.38

153.76

2,755.24

2,150.89

8,745.69

10,525.07

6,439.95

382.31

1,046.05

851.85

10,487.25

180.08

6,302.24

2,030.31

5,280.13

1,558.37

6,031.04

21,329.01

9,212.47

11,917.02

2,180.24

1,25,248.55

859.32

-

528.33

1,150.26

1,755.50

6,305.11

(0.01)

10,598.52

9,115.68

716.07

9,831.75

1,45,678.82

279.09

10,133.72

2,403.95

3,273.04

132.95

91.44

2,405.72

1,607.62

6,944.73

10,132.28

6,202.08

306.88

1,125.23

885.34

11,055.60

95.29

6,016.04

2,775.62

4,849.43

1,796.40

5,688.23

20,704.39

10,076.09

12,547.04

2,309.35

1,23,837.54

545.73

1,621.23

415.38

833.53

1,751.49

4,503.00

6.07

9,676.43

7,761.05

810.05

8,571.10

1,42,085.06

0.19

6.72

1.67

2.14

0.05

0.11

1.89

1.48

6.00

7.22

4.42

0.26

0.72

0.58

7.20

0.12

4.33

1.39

3.62

1.07

4.14

14.64

6.32

8.18

1.50

85.98

0.59

-

0.36

0.79

1.21

4.33

(0.00)

7.28

6.26

0.49

6.75

100.00

(0.78)

(3.35)

1.03

(4.74)

(45.55)

68.15

14.53

33.79

25.93

3.88

3.84

24.58

(7.04)

(3.78)

(5.14)

88.99

4.76

(26.85)

8.88

(13.25)

6.03

3.02

(8.57)

(5.02)

(5.59)

1.14

57.46

NA

27.19

38.00

0.23

40.02

NA

9.53

17.45

(11.60)

14.71

2.53

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

15

Moving up. Marching ahead, consistently.

We have moved up one spot higher in January 2021, as we have secured 9th position among Top 10 Non-Life Insurers in India. Our Market Share has increased to 4.38 % among Non-Life Insurers and 59.18 % in SAPHI. 56 Lacs + Fresh Policies sold at a growth rate of 41 % and the total Premium of Rs. 7166.01 Cr. showcases our collective capability.

Great to see our hard work is transforming into accomplishments.

IRDAI Performance report Up to January 2021

IRDAI FLASH FIGURES UP TOJANUARY - 2021

* Non-life insurance covers motor, health, fire, etc. Stand alone company covers only a specific segment in Non-life category- STAR is a stand alone health insurance provider.

Ranking

9

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIAFLASH FIGURES -- NON LIFE INSURERS (Provisional & Unaudited)

‘GROSS DIRECT PREMIUM UNDERWRITTEN FOR UPTO THE MONTH OF January, 2021 (Rs. in crores)

INSURER

For the Month of January Upto the Month of January MARKETSHARE

UPTO theMonth ofJanuary,2021 (%)

GROWTH OVER THE

CORRESPONDINGPERIOD OF

PREVIOUS YEAR(%)

2020-21 2019-20 2020-21 2019-20

Note: Compiled on the basis of data submitted by the Insurance companiesNA: Not Applicable

*Takeover of Reliance Health Insurance portfolio by Reliance General Insurance. #HDFCERGO Health Insurance has been merged with HDFCERGO General w.e.f 13.11.2020 - Hence HDFCERGO General for/upto the month figure is merged figure.

SI.No.

Acko General Insurance Limited

Bajaj Allianz General Insurance Company Limited

Bharti AXA General Insurance Company Limited

Cholamandalam MS General Insurance Company Limited

NAVI General Insurance Limited

Edelweiss General Insurance Company Limited

Future Generali India Insurance Company Limited

Go Digit General Insurance Limited

HDFC Ergo General insurance Company Limited

ICICI Lombard General Insurance Company Limited

IFFCO Tokio General Insurance Company Limited

Kotak Mahindra General Insurance Company Limited

Liberty General Insurance Limited

Magma HDI General Insurance Company Limited

National Insurance Company Limited

Raheja QBE General Insurance Company Limited

Reliance General Insurance Company Limited

Royal Sundaram General Insurance Company Limited

SBI General Insurance Company Limited

Shriram General Insurance Company Limited

Tata AIG General Insurance Company Limited

The New India Assurance Company Limited

The Oriental Insurance Company Limited

United India Insurance Company Limited

Universal Sompo General Insurance Company Limited

General Insurers Total

Aditya Birla Health Insurance Company Limited

HDFC Ergo Health Insurance Company Limited #

ManipalCigna Health Insurance Company Limited

Max Bupa Health Insurance Company Limited

Care Health Insurance Limited

Star Health & Allied Insurance Company Limited

Reliance Health Insurance Limited*

Stand-Alone Pvt. Health Insurers

Agricultural Insurance Company of India Limited

ECGC Limited

Specialized PSU Insurers

GRAND TOTAL

44.52

1,134.97

261.72

422.36

13.71

22.30

337.49

114.01

994.44

1,426.28

654.58

50.79

151.19

204.23

1,079.72

28.90

651.37

286.07

1,315.62

185.92

874.80

2,473.69

1,030.81

2,093.60

394.16

16,247.24

154.44

-

62.07

174.25

258.55

860.90

(0.00)

1,510.20

642.00

88.61

730.61

18,488.06

32.23

1,219.13

279.98

381.11

8.40

26.00

489.17

87.34

699.77

1,375.60

596.83

42.60

158.47

159.01

1,164.51

17.70

543.07

330.72

755.11

210.06

615.27

2,057.84

1,173.73

2,089.51

150.24

14,663.40

116.95

363.67

48.93

132.76

216.41

652.00

(0.03)

1,530.70

1,039.77

99.83

1,139.60

17,333.70

276.91

9,793.84

2,428.60

3,117.84

72.38

153.76

2,755.24

2,150.89

8,745.69

10,525.07

6,439.95

382.31

1,046.05

851.85

10,487.25

180.08

6,302.24

2,030.31

5,280.13

1,558.37

6,031.04

21,329.01

9,212.47

11,917.02

2,180.24

1,25,248.55

859.32

-

528.33

1,150.26

1,755.50

7,166.01

(0.01)

10,598.52

9,115.68

716.07

9,831.75

1,45,678.82

321.43

10,928.82

2,691.07

3,540.20

86.09

176.06

3,092.73

1,767.25

9,740.13

11,951.35

7,094.53

433.09

1,197.25

1,056.08

11,567.21

208.98

6,953.60

2,316.35

6,595.75

1,744.24

6,905.84

23,802.69

10,243.28

14,010.62

2,574.40

1,40,999.04

1,013.76

-

590.41

1,324.51

2,014.05

5,155.00

(0.01)

12,108.73

9,757.68

804.68

10,562.36

1,63,670.13

0.20

6.68

1.64

2.16

0.05

0.11

1.89

1.08

5.95

7.30

4.33

0.26

0.73

0.65

7.07

0.13

4.25

1.42

4.03

1.07

4.22

14.54

6.26

8.56

1.57

86.15

0.62

-

0.36

0.81

1.23

4.38

(0.00)

7.40

5.96

0.49

6.45

100.00

3.25

(3.74)

0.27

(3.12)

(39.09)

49.91

6.83

13.90

27.41

3.85

4.35

23.93

(6.73)

1.12

(5.34)

84.96

6.01

(25.43)

17.69

(13.07)

9.56

4.57

(8.95)

(4.28)

4.67

1.91

52.98

NA

27.16

37.07

2.34

39.01

NA

8.04

10.87

(11.56)

8.77

2.76

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

16

17

Here are Top 5 Administrative Sta� members who walked the extra mile in December 2020

MOHAN RAO AAsst Manager - Bangalore

KASI RAMAN SAGM - CO- HR and Admin

LAKSHMANASEKAR SAsst Manager - Coimbatore

Dr. INDIRA DEVIDGM - Madurai

SACHIN RAKHESr Executive - Mumbai

AA

To raise the business graph even during these unprecedented times, it takes more than the e�orts of only the marketing team and agents. Hence “Walk an Extra Mile” Campaign was launched in May 2020 inviting Administrative Sta� to walk the extra mile to source business for which they are entitled to appropriate incentives and appreciation certificate. Since the launch, we are glad to see many STAR family members are willingly taking part in this campaign and bringing good results.

WALK AN EXTRA MILE

12 3

Of The

12 3

Of The

Top 5 Zones of Dec 2020

• Bangalore• Mumbai• Kerala• Madurai• Chennai

Top 5 Departmentsat CO - Dec 2020

• HR and Admin• Claims, NWH & HRM• IT• Customercare• Training

Here are Top 5 Administrative Sta� members who walked the extra mile in January 2021

MOHAN RAO AAsst. Manager, Bangalore

SNEHASHIS PAULHRM, CO - Claims, NWH & HRM

DINESH BHALCHANDRA DALVIEXECUTIVE, Pune

NARAYANANAsst. Manager, Chennai

DIPEN MISTRYDeputy Manager, CO - Claims, NWH & HRM

AA

4 5

3

12 3

Of The

12 3

Of The

Top 5 Zones of Jan. 2021

• Bangalore• Pune• Mumbai• Madurai• Kerala

Top 5 Departmentsat CO - Jan. 2021

• Claims, NWH & HRM• Training• IT• Vigilance• Customercare

1 3

4 5

2

1 2

18

BEST IN STAR - FRESH BUSINESS

Click the links of FAM and TAM qualifiers of December 2020

FAM - Five a Monther • TAM - Ten a Monther

FAM - Five a Monther • TAM - Ten a Monther

TAM and FAM - January 2021 Zone Summary: www.starhealth.in/sites/default/files/FAM-TAM-January-Qualifiers-2021.pdf

TAM Qualifiers List:

FAM Qualifiers List:

www.starhealth.in/sites/default/files/TAM-Qualifiers-January-2021.pdf

www.starhealth.in/sites/default/files/FAM-Qualifiers-January-2021.pdf

Click the links of FAM and TAM qualifiers of January 2021

TAM and FAM - December 2020 Zone Summary: www.starhealth.in/sites/default/files/FAM-TAM-Final-Qualifiers-List-of-Dec-2020-TAM.pdf

TAM Qualifiers List:

FAM Qualifiers List:

www.starhealth.in/sites/default/files/TAM-Qualifiers-December-2020.pdf

www.starhealth.in/sites/default/files/FAM-Qualifiers-December-2020.pdf

PERFORMANCE HIGHLIGHTS -DECEMBER 2020

AS WE BELIEVEAND WORK HARD,SO WE BECOMETHE ACHIEVER

Top 10 Branches on Recruitment of Agents

BO - Ahmed NagarPune

BO - VaishaliDel AO-I

BO - NoidaDel AO-I

BO - AurangabadPune

AO - DelhiDel AO-I

BO - TarnakaHyderabad

BO - HadapsarPune

BO - GurgaonDel AO-I

AO II - DelhiDel AO-II

BO - AgraLucknow

Top 10 SMs on Recruitment of Agents

Mr. RAHUL RAMCHANDRA

PARHADPune

Ms. PEEYUSHAMA PAREEKJaipur

Ms. VANDNA ARORADehradun

Ms. JYOTI GANESH RAUT Mr. KAMAL

Chandigarh

Mr. SAHIL SUNIL PATILPune

Mr. NIKHIL KUMARDel AO-I

Mr. KISAN PREMJIBABRIYAMumbai

RAMDASS .RCoimbatore

Mr. SUNNY JAYANTI CHARANIYA

Mumbai

Top 10 Branches in the country on Total Business

BO - Gurgaon III ZO - Chennai Web Online Business Tele Sales ZO - Mumbai

BO - Nashik BO - Shalimar bagh AO - Delhi BO - Ahmed Nagar BO - Pimpri

Rank 1 Rank 2 Rank 3 Rank 4 Rank 5






19

Pune

Top 10 Branches on Recruitment of Agents

AO - DelhiDel AO-I

BO - VaishaliDel AO-I

AO II - DELHI Del AO-II

BO - NashikZO - Pune

BO - Ahmed NagarZO - Pune

BO - SuratAhmedabad

BO - GurgaonDel AO-I

BO - NoidaDel AO-I

BO - MeerutDehradun

BO - TarnakaHyderabad

Top 10 SMs on Recruitment of Agents

Mr. VIKAS LODHIDehradun

Mr. KISAN PREMJI BABRIYAMumbai

Mr. DEEPAK VERMAChandigarh

Mr. KOTHMIRKAR DEEPAK

Hyderabad

Mr. SWATI BASAVARAJ PATIL

Mumbai

Mr. NIKHIL KUMARDel AO-I

Mr. ABHISHEK KUMAR RAM

Mumbai

Mr. SAHIL SUNIL PATILPune

Ms. G LAKSHMIDEVIBangalore

RAMDASS .RCoimbatore

Top 10 Branches in the country on Total Business





20

PERFORMANCE HIGHLIGHTS -JANUARY 2021

CAPABILITY IS TESTED TO DISCOVER THE STRENGTH

BO- Gurgaon III Web Online Business

BO - Shalimar Bagh Tele Sales BO - Nashik

ZO - Chennai AO - Delhi BO - Pimpri Tele Sales Unit-III

BO - Ahmed Nagar



4

HOW TO AVAIL CASHLESS FACILITY EFFECTIVELY

INSURANCE KI PAATHSHALA - An educational initiative by Insurance Alertss – India’s No.1 and Asia’s No.2 Insurance news aggregator has interviewed our MD – Dr. S. Prakash and broadcasted it on Sahara Samay on 27th December, 2020.

During the interview, Dr. S. Prakash explained “How to avail cashless facility e�ectively", while stressing the importance of having a health insurance policy. He spoke about the entire cycle of Health Insurance to a common man’s understanding, right from getting a Health Insurance Policy to availing Cashless / Reimbursement claims. His speech highlighted how a customer needs to be aware of the Health Policy type, Sum Insured, understanding what is covered, Waiting Period, Co-Pay and features like Sub-limits, Second Medical Opinion, Advantages of getting treated at Network Hospitals, etc., and he also spoke about the facilitation through Customer Care, Responsibility of Grievance Department and the Role of IRDAI.

Click the below-given link to view the complete interview:-

https://www.youtube.com/watch?v=K1YQuS72eG4&t=360s

21

INSPIRATION FOR THE MONTH

Once there was a King who had a boulder placed on a roadway. He then hid himself and watched to see if anyone would move the boulder out of the way. Some of the king’s wealthiest merchants and courtiers came by and simply walked around it.

Many people loudly blamed the King for not keeping the roads clear, but none of them did anything about getting the stone out of the way. A peasant then came along carrying a load of vegetables. Upon approaching the boulder, the peasant laid down his burden and tried to push the stone out of the road. After much pushing and straining, he finally succeeded.

After the peasant went back to pick up his vegetables, he noticed a purse lying in the road where the boulder had been. The purse contained many gold coins and a note from the King explaining that the gold was for the person who removed the boulder from the roadway.

Key Takeaway: Every obstacle we come across in life gives us an opportunity to improve our circumstances and whilst the lazy complain, the others are creating opportunities through their hard work, commitment and willingness to get things done.

Can be a hidden opportunity.

The Obstacle in Our Path…

Deepa MohanSr. Executive - Training and DevelopmentCorporate O�ce

Dr. S. PrakashMS., FRCS (Glasg), FAIS

Managing Director


Pune166%

Hyderabad93%


Top Performing Zones – Agents wise

CHENNAI ZO HYDERABAD ZO COIMBATORE ZO BANGALORE ZO MUMBAI ZO


Top Performing Zones – SMs wise

Top Performing Zones - Agency Development Vertical

Top Performing Zones and Branches – Rural Vertical

CHENNAI ZO DELHI ZO - I MUMBAI ZO DELHI AO - II BANGALORE ZO


KOLKATA ODISHA HYDERABAD BANGALORE MADURAI

ZONE WISE IC-38 RECRUITMENT TARGET VS ACHIEVEMENT


KOLKATABO - BARUIPUR

KOLKATABO - HABRA

KOLKATABO - BERHAMPORE

ODISHABO - BHADRAK

HYDERABADBO- JANGAON

TOP 5 BRANCHES

Coimbatore69%

Jaipur67%

Chandigarh59%

Pune46

Madurai12


ZONE WISE IC-38 RECRUITED BY AOD

Coimbatore4

Bhopal3

Odisha3

TOP 5 ZONES

ZONAL ACHIEVEMENTS

22

STAR PERFORMERS - DECEMBER 2020


Pune132%

Del AO-II79%


STAR PERFORMERS - JANUARY 2021

Top Performing Zones – Agents wise

CHENNAI ZO HYDERABAD ZO DELHI ZO - IBANGALORE ZO CHANDIGARH ZO


Top Performing Zones – SMs wise

Top Performing Zones - Agency Development Vertical

Top Performing Zones and Branches – Rural Vertical

DELHI AO - II CHENNAI ZO MUMBAI ZO DELHI ZO - I DELHI AO - II


KOLKATA ODISHA HYDERABAD LUCKNOW BANGALORE

ZONE WISE IC-38 RECRUITMENT TARGET VS ACHIEVEMENT




ODISHA BO - BHADRAK

KOLKATABO - HABRA

CHANDIGARH BO - PEHOWA

TOP 5 BRANCHES

Hyderabad70%

Coimbatore62%

Del AO-I58%

Pune83

DEL AO-II27


ZONE WISE IC-38 RECRUITED BY AOD

BHOPAL /COIMBATORE

25

LUDHIANA /ODISHA

12

HYDERABAD19

TOP 5 ZONES

23

ZONAL ACHIEVEMENTS

ACTIVITIES AT BRANCHES - DECEMBER 2020

CSR

24

Vijayawada AO Madurai III – BO

Hyderabad Zone II Warangal AO

SM Felicitation 6 Crore last year base crossed, celebration on 1st January at

Madurai-III Branch with Agents and SMs

Newly coded Agents are celebrating

Vijayawada BO Team has reached 107 IC 38 applications in a day

Electric Scooter Winner

Team with Zonal Manager TrophyIC 38 Drive 1 entire Zone

Project ShakthiSTAR Health has donated Rs.10 Lakhs for Project Shakthi in December 2020. Project “SHAKTHI”, is a social initiative started during the COVID-19 pandemic as an e�ort to ensure free access and distribution of sanitary napkins. In association with Greater Chennai Corporation, Sanitary Napkins were donated to the Girl Students in Government and aided schools in and around Chennai. Thousands of students have been benefitted through this project and STAR Health is glad to have played a part in addressing one of the pressing issues of women in lesser privileged section of society.

ACTIVITIES AT BRANCHES - JANUARY 2021

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Regd. & Corporate O�ce:No.1, New Tank Street, Valluvar Kottam High Road,

Nungambakkam, Chennai - 600 034. Phone: 044 - 28288800 IRDAI Registration No. : 129 CIN No. : U66010TN2005PLC056649

25

HYDERABAD ZO II Rayalaseema & Hyderabad Zone

Taranaka BO Taranaka Territory, HYD ZO II Vijayawada

Chennai Mumbai ZO-1 Kakinada BO,HYDERABAD ZO II

Patna BO

Various HEALTH INSURANCE AWARENESS Activitiesconducted by Coastal Andhra Branches - SMs / RMs / ADMs

Morning Activity by Taranaka BO, Hyderabad ZO II.

Lead Generation Activities

Lead Generation Activity at Boisar, Mumbai Zone-1

Mega Agents meet conducted at Kakinada

Branch.

Mega Agents Meet

LEAD Generation activity by ADMs, Taranaka Territory, HYD ZO II.

Star Stall at Vijayawada Annual Book Exhibition

Morning activities By BM/ABM/ ADM/RM/SM/TSM