icici prudential marketing strategy

8/20/2019 ICICI Prudential Marketing Strategy

http://slidepdf.com/reader/full/icici-prudential-marketing-strategy 1/63

CUSTOMER SATISFACTION OF ICICI PRUDENTIAL

LIFE INSURANCE Submitted in partial fulllment of the

requirements for the award of the degree of

BACHELOR OF BUSINESS ADMINISTRATION

GUIDED BY

SUBMITTED BY

Mr. Pradeep Nayyar Rajesh Kumar

08320688813

B.COM(Hons

!"h #$M% 1s" #H&'

Trinity Institute of Professional Studies

Affiliated To

Guru Gobind Singh Indraprastha University

http://www.iciciprulife.com/public/default.htm



CERTIFICATE

TO WHOM SO EVER IT MAY CONCERN

h)s )s "o *er")+y "ha" "he proje*" ,or- “Customer Sats!a"to# O! ICICI Pru$e#ta% L!e

I#sura#"e& made y Ra'es( )umar% B*COM(Hons +t( Sem , E#ro%% #o. 08320688813 )s

an au"hen")* ,or- *arr)ed ou" y h)m under /u)dan*e and super)s)on o+ MR* PRADEEP

NAYYAR*

he proje*" repor" sum)""ed has een +ound sa")s+a*"ory +or "he par")a +u+)men" o+ "he

de/ree o+ Ba*heor o+ Bus)ness dm)n)s"ra")on.

I#ter#a% Su-er.sor

MR. PR$$P N44R



AC)NOWLEDGEMENT

&" )s )n par")*uar "ha" & am a*-no,ed/)n/ my s)n*ere +ee)n/ "o,ards my men"ors ,ho

/ra*)ousy /ae me "he)r ")me and e5per")se.

hey hae pro)ded me ,)"h "he auae /u)dan*e% sus"a)ned e++or"s and +r)endy approa*h. &"

,oud hae een d)++)*u" "o a*h)ee "he resu"s )n su*h a shor" span o+ ")me ,)"hou" "he)r

hep.

& deem )" my du"y "o re*ord my /ra")"ude "o,ards "he &n"erna proje*" super)sors MR*

PRADEEP NAYYAR ,ho deo"ed her pre*)ous ")me "o )n"era*"% /u)de and /ae me "he

r)/h" approa*h "o a**omp)sh "he "as- and aso heped me "o enhan*e my -no,ed/e and

unders"and)n/ o+ "he proje*".

Rajesh Kumar

08320688813

B.COM(Hons

3nd year !"h sem 1s" sh)+"



DECLARATION

& herey de*are "ha" +oo,)n/ do*umen"ed proje*" repor" ")"ed 7C#OM$R

#&#'C&ON O' &C&C& PR$N&9 9&'$ &N#RNC$: )s an or)/)na and

au"hen")* ,or- done y me +or "he par")a +u+)men" o+ a*heors o+ us)ness

adm)n)s"ra")on de/ree pro/ram a" &C&C& PR$N&9 9&'$ &N#RNC$.

& herey *er")+)ed "ha" a "he endeaor pu" )n "he +u+)men" o+ "he "as- are /enu)ne

and or)/)na "o "he es" o+ my -no,ed/e and & hae no" sum)""ed )" ear)er

ese,here.

Name o+ "he s"uden"; Rajesh Kumar

$nro no.; 08320688813

Course; BCOM(Hons

!"h sem% 1s" sh)+"



E/ECUTIVE SUMMARY

R)s- and un*er"a)n")es are par" o+ )+e<s /rea" aden"ure= **)den"s% &ness% he+" >

Na"ura Caam)")es "hey a are p)ars o+ "h)s ,ord. o oer*ome "hese r)s-s and

m)shaps "h)s proje*" des*r)es "he po)*)es and s*hemes o+ &C&C& PR$N&9 9)+e

&nsuran*e Compan)es. he ,ay "hese *ompan)es pro)de d)++eren" ene+)"s "o "he

po)*yhoder. &nsuran*e )s Coopera")e en"ure ,here r)s- and un*er"a)n")es are shared

y many. No, days a o" )s e)n/ done "o *rea"e a,areness amon/ "he &nsur)n/ Pu)*

aou" "he &mpor"an*e o+ &nsuran*e )n )+e. &n "h)s d)re*")on &R has panned "o *rea"e

a,areness "hrou/h $e*"ron)* and Pr)n" med)a. s"udy o+ 9)+e &nsuran*e des*r)es "he

mean)n/ o+ ar)ous po)*)es% *ompar)son and anays)s and *han/)n/ mar-e" s*enar)o.

&n "oday<s *orpora"e and *ompe")")e ,ord% & +)nd "ha" )nsuran*e se*"or has "he

ma5)mum /ro,"h and po"en")a as *ompared "o "he o"her se*"ors. &nsuran*e has "he

ma5)mum /ro,"h ra"e o+ ?0@80A ,h)e as 'MC se*"or has ma5)mum 12@1!A o+

/ro,"h ra"e. h)s /ro,"h po"en")a a""ra*"s me "o en"er )n "h)s se*"or and &C&C&

PR$N&9 COMPN4 has /)en me "he oppor"un)"y "o ,or- and /e" e5per)en*e

)n h)/hy *ompe")")e and enhan*)n/ se*"or.

Compan)es no, are "app)n/ a o" o+ ,ays "o *ap"ure "he mar-e" and hen*e adop")n/

d)++eren" ,ays "o hod "he ar/e por")on o+ "he mar-e".My summer "ra)n)n/ earn)n/

heped me a o" "o *ompe"e my proje*" )n order "o earn a o" o+ "h)n/s o+ "he

*orpora"e. s a proje*" "ra)nee "he +)rs" "as- /)en "o me ,as "o unders"and "he as)*

eha)our o+ "he *onsumer )n order "o man)pua"e "he mar-e" a**ord)n/ "o our "ar/e"

*ompe")")on. 'or "h)s & deeoped a ues")onna)re and & d)d my surey )n $9H& *)"y.

h)s jo "ra)n)n/ aso heped me a o" )n unders"and)n/ "he rea mo")e eh)nd "he

*us"omer pre+eren*e "o,ards "he )+e )nsuran*e po)*y & +ound "ha" 9&C *ompany

ha)n/ !!A mar-e" share )s "he numer 1 )nsuran*e *ompany )n &nd)a. Band name o+

9&C pays a ery )mpor"an" roe )n "he m)nd o+ *us"omers "o,ards "he sae o+ "he

produ*".

he su**ess s"ory o+ /ood mar-e" share o+ d)++eren" mar-e" or/an)Da")ons depends

upon "he aa)a))"y o+ "he produ*" and ser)*es near "o "he *us"omer% ,h)*h *an e

d)s"r)u"ed "hrou/h a d)s"r)u")on *hanne. &n &nsuran*e se*"or% d)s"r)u")on *hanne

)n*udes ony a/en"sad)sors or a/en*y hoders o+ "he *ompany.



CHAPTER01

INTRODUCTION



1.1 OVERVIEW OF INDUSTRY AS A WHOLE

&nsuran*e may e des*r)ed as a so*)a de)*e "o redu*e or e)m)na"e r)s- o+ oss "o )+e

and proper"y. nder "he pan o+ )nsuran*e% a ar/e numer o+ peope asso*)a"e

"hemsees y shar)n/ r)s-s a""a*hed "o )nd))duas. he r)s-s% ,h)*h *an e )nsured

a/a)ns"% )n*ude +)re% "he per)s o+ sea% dea"h and a**)den"s and ur/ary. ny r)s-

*on")n/en" upon "hese may e )nsured a/a)ns" a" a prem)um *ommensura"e ,)"h "he

r)s- )noed. hus *oe*")e ear)n/ o+ r)s- )s )nsuran*e.

Types Of Insurance

&nsuran*e )ndus"ry )n &nd)a )s roady *ass)+)ed as@

* L!e I#sura#"e;@ po)*)es pro"e*" )nd))duas a/a)ns" "he r)s- o+ )+e. 9)+e 100

&nsuran*e po)*)es no" ony pro"e*"s "he )nsured<s +am)y a/a)ns" h)s dea"h u" aso

pro)des a /ood means "o aa) "a5 ene+)"% aa) oans +rom an-s and a*"s% as a /ood

sa)n/ "oo "o mee" +u"ure needs.

* Ge#era% I#sura#"e;@ on "he o"her hand pro"e*"s "he proper"y and *asua"y y

*oer)n/ osses +rom d)sas"ers and a**)den"s "herey pro"e*")n/ +rom proper"y dama/e

and )a))"y% pro)d)n/ "he means +or )*")ms "o resume "he)r )es and us)nesses and*on"r)u"e "o "he e*onomy.

T(e .arous t2-es o! #sura#"e a.a%a3%e are 4

1* Auto I#sura#"e

). ,o Eheeer &nsuran*e

)). Car &nsuran*e

))). Commer*)a Feh)*e &nsuran*e

5* Commer"a% I#sura#"e

). /r)*u"ure &nsuran*e

)). ')re &nsuran*e

))). &ndus"r)a &nsuran*e



). Mar)ne &nsuran*e

. #hop &nsuran*e

6* Home I#sura#"e

7* L!e I#sura#"e

+* A""$e#t I#sura#"e

). NR& **)den" &nsuran*e

)). Persona **)den" &nsuran*e

8* Hea%t( Care I#sura#"e

). Med)*a &nsuran*e

)). Cr)")*a &ness &nsuran*e

9* Tra.e% I#sura#"e *

Hstor2 o! I#$a# I#sura#"e

he us)ness o+ )+e )nsuran*e )n &nd)a )n )"s e5)s")n/ +orm s"ar"ed )n &nd)a )n "he year

1818 ,)"h "he es"a)shmen" o+ "he Or)en"a 9)+e &nsuran*e Company )n Ca*u""a.

#ome o+ "he )mpor"an" m)es"ones )n "he )+e )nsuran*e us)ness )n &nd)a are;

• 1:15; he &nd)an 9)+e ssuran*e Compan)es *" ena*"ed as "he +)rs" s"a"u"e "o

re/ua"e "he )+e )nsuran*e us)ness.

• 1:5<; he &nd)an &nsuran*e Compan)es *" ena*"ed "o enae "he /oernmen" "o

*oe*" s"a")s")*a )n+orma")on aou" o"h )+e and non@)+e )nsuran*e us)nesses.

• 1:6<; $ar)er e/)sa")on *onso)da"ed and amended "o y "he &nsuran*e *" ,)"h

"he oje*")e o+ pro"e*")n/ "he )n"eres"s o+ "he )nsur)n/ pu)*.

• 1:+8; 2G! &nd)an and +ore)/n )nsurers and pro)den" so*)e")es "a-en oer y "he

*en"ra /oernmen" and na")ona)Ded. 9&C +ormed y an *" o+ Par)amen"% )D.

9&C *"% 1!6% ,)"h a *ap)"a *on"r)u")on o+ Rs.!*rore +rom "he oernmen" o+

&nd)a.



he enera )nsuran*e us)ness )n &nd)a% on "he o"her hand% *an "ra*e )"s roo"s "o "he

r)"on &nsuran*e Company 9"d.% "he +)rs" /enera )nsuran*e *ompany es"a)shed )n "he

year 18!0 )n Ca*u""a y "he Br)")sh. #ome o+ "he )mpor"an" m)es"ones )n "he /enera

)nsuran*e us)ness )n &nd)a are;@

• 1:=9; he &nd)an Mer*an")e &nsuran*e 9"d. se" up% "he +)rs" *ompany

"o "ransa*" a *asses o+ /enera )nsuran*e us)ness.

• 1:+9; enera &nsuran*e Coun*)% a ,)n/ o+ "he &nsuran*e sso*)a")on

o+ &nd)a% +rames a *ode o+ *ondu*" +or ensur)n/ +a)r *ondu*" and sound us)ness

pra*")*es.

• 1:8<; he &nsuran*e *" amended "o re/ua"e )nes"men"s and se"

m)n)mum soen*y mar/)ns and "he ar)++ d)sory Comm)""ee se" up.

• 1:95; he enera &nsuran*e Bus)ness (Na")ona)Da")on *"

na")ona)Ded "he /enera )nsuran*e us)ness )n &nd)a ,)"h e++e*" +rom 1s" Ianuary

1?3. 10? ama/ama"ed and /rouped )n"o +our *ompan)es )D. "he Na")ona

&nsuran*e Company 9"d.% "he Ne, &nd)a ssuran*e Company 9"d.% "he Or)en"a

&nsuran*e Company 9"d. and "he n)"ed &nd)a &nsuran*e Company 9"d. &C

)n*orpora"ed as a *ompany.

• &n &nd)a% )nsuran*e has a deep@roo"ed h)s"ory. &" +)nds men")on )n "he ,r)")n/s o+

Manu (Manusmr)"h)% 4a/naa-ya ( harmasas"ra and Kau")ya ( r"hasas"ra.

he ,r)")n/s "a- )n "erms o+ poo)n/ o+ resour*es "ha" *oud e re@d)s"r)u"ed )n

")mes o+ *aam)")es su*h as +)re% +oods% ep)dem)*s and +am)ne. h)s ,as proay

a pre@*ursor "o modern day )nsuran*e. n*)en" &nd)an h)s"ory has presered "he

ear)es" "ra*es o+ )nsuran*e )n "he +orm o+ mar)ne "rade oans and *arr)ers<

*on"ra*"s. &nsuran*e )n &nd)a has eoed oer ")me hea)y dra,)n/ +rom o"her

*oun"r)es% $n/and )n par")*uar.

• 1818 sa, "he aden" o+ )+e )nsuran*e us)ness )n &nd)a ,)"h "he es"a)shmen" o+

"he Or)en"a 9)+e &nsuran*e Company )n Ca*u""a. h)s Company ho,eer +a)ed

)n 183G. &n 182% "he Madras $u)"ae had e/un "ransa*")n/ )+e )nsuran*e

us)ness )n "he Madras Pres)den*y. 18?0 sa, "he ena*"men" o+ "he Br)")sh

&nsuran*e *" and )n "he as" "hree de*ades o+ "he n)ne"een"h *en"ury% "he Bomay



Mu"ua (18?1% Or)en"a (18?G and $mp)re o+ &nd)a (18? ,ere s"ar"ed )n "he

Bomay Res)den*y. h)s era% ho,eer% ,as dom)na"ed y +ore)/n )nsuran*e

o++)*es ,h)*h d)d /ood us)ness )n &nd)a% namey er" 9)+e ssuran*e% Roya

&nsuran*e% 9)erpoo and 9ondon oe &nsuran*e and "he &nd)an o++)*es ,ere up

+or hard *ompe")")on +rom "he +ore)/n *ompan)es.

• &n 11G% "he oernmen" o+ &nd)a s"ar"ed pu)sh)n/ re"urns o+ &nsuran*e

Compan)es )n &nd)a. he &nd)an 9)+e ssuran*e Compan)es *"% 112 ,as "he +)rs"

s"a"u"ory measure "o re/ua"e )+e us)ness. &n 128% "he &nd)an &nsuran*e

Compan)es *" ,as ena*"ed "o enae "he oernmen" "o *oe*" s"a")s")*a

)n+orma")on aou" o"h )+e and non@)+e us)ness "ransa*"ed )n &nd)a y &nd)an and

+ore)/n )nsurers )n*ud)n/ pro)den" )nsuran*e so*)e")es. &n 138% ,)"h a )e, "o

pro"e*")n/ "he )n"eres" o+ "he &nsuran*e pu)*% "he ear)er e/)sa")on ,as

*onso)da"ed and amended y "he &nsuran*e *"% 138 ,)"h *omprehens)e

pro)s)ons +or e++e*")e *on"ro oer "he a*"))")es o+ )nsurer

• he &nsuran*e mendmen" *" o+ 1!0 ao)shed Pr)n*)pa /en*)es. Ho,eer%

"here ,ere a ar/e numer o+ )nsuran*e *ompan)es and "he ee o+ *ompe")")on

,as h)/h. here ,ere aso ae/a")ons o+ un+a)r "rade pra*")*es. he oernmen"

o+ &nd)a% "here+ore% de*)ded "o na")ona)De )nsuran*e us)ness.



n Ord)nan*e ,as )ssued on 1"h Ianuary% 1!6 na")ona)D)n/ "he 9)+e &nsuran*e

se*"or and 9)+e &nsuran*e Corpora")on *ame )n"o e5)s"en*e )n "he same year. he 9&C

asored 1!G &nd)an% 16 non@&nd)an )nsurers as aso ?! pro)den" so*)e")esJ2G!

&nd)an and +ore)/n )nsurers )n a. he 9&C had monopoy ") "he a"e 0s ,hen "he

&nsuran*e se*"or ,as reopened "o "he pr)a"e se*"or.

Ge#era% I#sura#"e I#$ustr2

he h)s"ory o+ /enera )nsuran*e da"es a*- "o "he &ndus"r)a Reou")on )n "he ,es"

and "he *onseuen" /ro,"h o+ sea@+ar)n/ "rade and *ommer*e )n "he 1?"h *en"ury. &"

*ame "o &nd)a as a e/a*y o+ Br)")sh o**upa")on. enera &nsuran*e )n &nd)a has )"s

roo"s )n "he es"a)shmen" o+ r)"on &nsuran*e Company 9"d.% )n "he year 18!0 )n

Ca*u""a y "he Br)")sh. &n 10?% "he &nd)an Mer*an")e &nsuran*e 9"d% ,as se" up. h)s

,as "he +)rs" *ompany "o "ransa*" a *asses o+ /enera )nsuran*e us)ness.

1!? sa, "he +orma")on o+ "he enera &nsuran*e Coun*)% a ,)n/ o+ "he &nsuran*e

sso*)a")on o+ &nd)a. he enera &nsuran*e Coun*) +ramed a *ode o+ *ondu*" +or

ensur)n/ +a)r *ondu*" and sound us)ness pra*")*es.

&n 168% "he &nsuran*e *" ,as amended "o re/ua"e )nes"men"s and se" m)n)mum

soen*y mar/)ns. he ar)++ d)sory Comm)""ee ,as aso se" up "hen.

&n 1?2 ,)"h "he pass)n/ o+ "he enera &nsuran*e Bus)ness (Na")ona)Da")on *"%

/enera )nsuran*e us)ness ,as na")ona)Ded ,)"h e++e*" +rom 1s" Ianuary% 1?3. 10?

)nsurers ,ere ama/ama"ed and /rouped )n"o +our *ompan)es% namey Na")ona

&nsuran*e Company 9"d.% "he Ne, &nd)a ssuran*e Company 9"d.% "he Or)en"a

&nsuran*e Company 9"d and "he n)"ed &nd)a &nsuran*e Company 9"d. he enera

&nsuran*e Corpora")on o+ &nd)a ,as )n*orpora"ed as a *ompany )n 1?1 and )"

*ommen*e us)ness on Ianuary 1ss" 1?3.

h)s m)enn)um has seen )nsuran*e *ome a +u *)r*e )n a journey e5"end)n/ "o neary

200 years. he pro*ess o+ re@open)n/ o+ "he se*"or had e/un )n "he eary 10s and

"he as" de*ade and more has seen )" een opened up sus"an")ay. &n 13% "he

oernmen" se" up a *omm)""ee under "he *ha)rmansh)p o+ RN Maho"ra% +ormer

oernor o+ RB&% "o propose re*ommenda")ons +or re+orms )n "he )nsuran*e se*"or.

he oje*")e ,as "o *ompemen" "he re+orms )n)")a"ed )n "he +)nan*)a se*"or. he*omm)""ee sum)""ed )"s repor" )n 1G ,here)n% amon/ o"her "h)n/s% )" re*ommended



"ha" "he pr)a"e se*"or e perm)""ed "o en"er "he )nsuran*e )ndus"ry. hey s"a"ed "ha"

+ore)/n *ompan)es e ao,ed "o en"er y +oa")n/ &nd)an *ompan)es% pre+eray a

jo)n" en"ure ,)"h &nd)an par"ners.

'oo,)n/ "he re*ommenda")ons o+ "he Maho"ra Comm)""ee repor"% )n 1% "he

&nsuran*e Re/ua"ory and eeopmen" u"hor)"y (&R ,as *ons")"u"ed as an

au"onomous ody "o re/ua"e and deeop "he )nsuran*e )ndus"ry. he &R ,as

)n*orpora"ed as a s"a"u"ory ody )n pr)% 2000. he -ey oje*")es o+ "he &R

)n*ude promo")on o+ *ompe")")on so as "o enhan*e *us"omer sa")s+a*")on "hrou/h

)n*reased *onsumer *ho)*e and o,er prem)ums% ,h)e ensur)n/ "he +)nan*)a se*ur)"y

o+ "he )nsuran*e mar-e".

he &R opened up "he mar-e" )n u/us" 2000 ,)"h "he )n)"a")on +or app)*a")on +or

re/)s"ra")ons. 'ore)/n *ompan)es ,ere ao,ed o,nersh)p o+ up "o 26A. he

u"hor)"y has "he po,er "o +rame re/ua")ons under #e*")on 11G o+ "he &nsuran*e

*"% 138 and has +rom 2000 on,ards +ramed ar)ous re/ua")ons ran/)n/ +rom

re/)s"ra")on o+ *ompan)es +or *arry)n/ on )nsuran*e us)ness "o pro"e*")on o+

po)*yhoders< )n"eres"s.

&n e*emer% 2000% "he sus)d)ar)es o+ "he enera &nsuran*e Corpora")on o+ &nd)a,ere res"ru*"ured as )ndependen" *ompan)es and a" "he same ")me &C ,as *oner"ed

)n"o a na")ona re@)nsurer. Par)amen" passed a ) de@)n-)n/ "he +our sus)d)ar)es

+rom &C )n Iuy% 2002.

oday "here are 1G /enera )nsuran*e *ompan)es )n*ud)n/ "he $CC and /r)*u"ure

&nsuran*e Corpora")on o+ &nd)a and 1G )+e )nsuran*e *ompan)es opera")n/ )n "he

*oun"ry. he )nsuran*e se*"or )s a *oossa one and )s /ro,)n/ a" a speedy ra"e o+ 1!@

20A. o/e"her ,)"h an-)n/ ser)*es% )nsuran*e ser)*es add aou" ?A "o "he

*oun"ry<s P. ,e@deeoped and eoed )nsuran*e se*"or )s a oon +or

e*onom)* deeopmen" as )" pro)des on/@ "erm +unds +or )n+ras"ru*"ure deeopmen"

a" "he same ")me s"ren/"hen)n/ "he r)s- "a-)n/ a))"y o+ "he *oun"ry.

NON0LIFE INSURANCE COMPANIES OPERATING IN INDIA

enera &nsuran*e pro)des mu*h@needed pro"e*")on a/a)ns" un+oreseen een"s su*h

as a**)den"s% )ness% +)re% ur/ary e" a. n)-e 9)+e &nsuran*e% enera &nsuran*e )sno" mean" "o o++er re"urns u" )s a pro"e*")on a/a)ns" *on")n/en*)es. mos" eery"h)n/



"ha" has a +)nan*)a aue )n )+e and has a proa))"y o+ /e"")n/ os"% s"oen or

dama/ed *an e *oered "hrou/h enera &nsuran*e po)*y. Proper"y (o"h moae

and )mmoae% eh)*e% *ash% househod /oods% hea"h% d)shones"y and aso ones

)a))"y "o,ards o"hers *an e *oered under /enera )nsuran*e po)*y. nder *er"a)n

*"s o+ Par)amen"% some "ypes o+ )nsuran*e )-e Mo"or &nsuran*e and Pu)* 9)a))"y

&nsuran*e hae een made *ompusory. Major )nsuran*e po)*)es "ha" are *oered

under enera &nsuran*e are;

1. Home &nsuran*e

2. Hea"h &nsuran*e

3. Mo"or &nsuran*e

G. rae &nsuran*e

he /enera )nsuran*e )ndus"ry )n &nd)a ,as na")ona)Ded and a /oernmen" *ompany

-no,n as enera &nsuran*e Corpora")on o+ &nd)a (&C ,as +ormed y "he Cen"ra

oernmen" )n Noemer 1?2. E)"h e++e*" +rom 1 Ianuary 1?3 "he ers",h)e 10?

&nd)an and +ore)/n )nsurers ,h)*h ,ere opera")n/ )n "he *oun"ry pr)or "o

na")ona)Da")on% ,ere /rouped )n"o +our opera")n/ *ompan)es% namey% () Na")ona&nsuran*e Company 9)m)"ed= ()) Ne, &nd)a ssuran*e Company 9)m)"ed= ()))

Or)en"a &nsuran*e Company 9)m)"ed= and () n)"ed &nd)a &nsuran*e Company

9)m)"ed. "he aoe +our sus)d)ar)es o+ &C opera"e a oer "he *oun"ry

*ompe")n/ ,)"h one ano"her and under,r)")n/ ar)ous *asses o+ /enera )nsuran*e

us)ness e5*ep" +or a)a")on )nsuran*e o+ na")ona a)r)nes and *rop )nsuran*e ,h)*h )s

handed y "he &C. 'rom ? o++)*es )n 1?3% "he ne",or- /re, "o G%208 o++)*es as

on 31 Mar*h 18.

Bes)des "he domes")* mar-e"% "he )ndus"ry )s presen"y opera")n/ )n 1? *oun"r)es

d)re*"y "hrou/h ran*hes or a/en*)es and )n 1G *oun"r)es "hrou/h sus)d)ary and

asso*)a"e *ompan)es. he ,hoy@o,ned sus)d)ary o+ &C -no,n as &nd)a

&n"erna")ona &nsuran*e Pr)a"e 9)m)"ed se" up )n 188 )n #)n/apore has /ro,n )n"o a

ead)n/ *ompany )n "he #)n/apore mar-e". he /ross prem)um )n*ome o+ "he /enera

)nsuran*e )ndus"ry )n &nd)a dur)n/ 1?@8 ,as Rs ?%?36 *rore as a/a)ns" Rs ?%021

*rore dur)n/ 16@ ? represen")n/ a /ro,"h o+ 10.2 per *en" oer "he prem)um)n*ome o+ 16@ ?. he ne" prem)um )n*ome o+ "he /enera )nsuran*e )ndus"ry )n



&nd)a dur)n/ 1?@8 ,as Rs 6%?2! *rore as a/a)ns" Rs 6%0G1 *rore dur)n/ 16@ ?

represen")n/ a /ro,"h o+ 11.3 per *en" oer "he ne" prem)um )n*ome o+ 16@?. he

/ross pro+)" o+ "he )ndus"ry dur)n/ 1?@8 ,ere Rs 1%623 *rore as a/a)ns" Rs 1%08G

*rore )n 16@? re*ord)n/ a /ro,"h o+ G.? per *en" oer "he pre)ous year. he ne"

pro+)"s o+ "he )ndus"ry dur)n/ 1?@8 ,ere Rs 1%2!! *rore as a/a)ns" Rs ?1 *rore )n

16@? represen")n/ a /ro,"h o+ ?G.! per *en" oer "he pre)ous year.

Hut I#sura#"e S"(eme +or Poor 'am))es )n Rura reas pro)des +)re )nsuran*e

*oer +or hu"s and eon/)n/s o+ andess aorers% sma +armers% ar")sans and o"her

poor +am))es )n rura areas. nder "he #*heme% *ompensa")on )s pro)ded +or an

amoun" no" e5*eed)n/ Rs 1%000 +or a hu" and Rs !00 +or eon/)n/s )n "he hu"

des"royed y +)re. he Cen"ra oernmen" )s ear)n/ "he en")re prem)um )n respe*" o+

"he s*heme. ur)n/ "he year 1?@8% G0%!!G *a)ms )no)n/ an amoun" o+ Rs G.8!

*rore ,ere se""ed.

Me$"%am I#sura#"e Po%"2 has re*en"y een re)sed. he re)sed po)*y does

a,ay ,)"h "he su@)m)"s under "he ar)ous su@heads and o++ers jus" one sum@)nsured

ran/)n/ +rom Rs 1!%000 "o Rs 3%00%000. he *oer pro)des +or re)mursemen" o+

med)*a e5penses )n*urred y an )nd))dua "o,ards hosp)"a)Da")ondom)*))ary

hosp)"a)Da")on +or any )ness% )njury or d)sease *on"ra*"ed or sus"a)ned dur)n/ "he

per)od o+ )nsuran*e. Prem)um )s *a*ua"ed on "he as)s o+ a/e o+ "he proposer and "he

sum )nsured op"ed +or Ian ro/ya B)ma Po)*y ,h)*h )s pr)mar)y mean" +or "he ar/er

se/men" o+ "he popua")on ,ho *anno" a++ord "he h)/h *os" o+ med)*a "rea"men"% ,as

)n"rodu*ed ,)"h e++e*" +rom 12 u/us" 16. he )m)" o+ *oer per person )s Rs !%000

per annum. he prem)um payae )s ery o, depend)n/ on "he a/e o+ "he person

*oered ran/)n/ +rom Rs ?0 "o Rs 1G0 per person per year and Rs !0 per dependen"

*h)d eo, 2!years. he *oer pro)des +or re)mursemen" o+ med)*a e5penses

)n*urred y an )nd))dua "o,ards hosp)"a)Da")ondom)*))ary hosp)"a)Da")on +or any

)ness% )njury or d)sease *on"ra*"ed or sus"a)ned dur)n/ "he per)od o+ )nsuran*e.

he e5)s")n/ O.erseas Me$"%am Po%"2 o++er)n/ emer/en*y med)*a e5penses *oer

"o oerseas "raeers has een e5"ended "o )n*ude &n@+)/h" Persona **)den" *oer

up "o # L 10%000 and 9oss o+ Passpor" *oer up "o # L 1!0 +rom 1 pr) 1?.he

e5"ended *oer ,) e aa)ae ,)"hou" paymen" o+ add)")ona prem)um under

Bus)ness and Ho)day *oer and under "he Corpora"e 'reuen" raeers *oer.



more *omprehens)e po)*y ,)"h add)")ona ene+)"s has aso een de)sed. ne,

po)*y *aed F)desh 4a"ra M)"ra *oer)n/ suppemen"ary ene+)"s es)des pro)d)n/

)ndemn)"y +or med)*a e5penses dur)n/ "he per)od o+ oerseas "rae% has een

)n"rodu*ed y "he /enera )nsuran*e )ndus"ry ,)"h e++e*" +rom 1 Ianuary 18.,o

"ypes o+ po)*)esJone o++er)n/ )m)" o+ ene+)"s up"o # L 2%!0%000 +or ,ord,)de

"rae u" e5*ud)n/ # and Canada and "he o"her o++er)n/ )m)" o+ ene+)"s up "o

#L !%00%000 +or ,ord,)de "rae )n*ud)n/ # and Canada are aa)ae under "he

#*heme. &n add)")on "o med)*a *oera/e% "he po)*y aso pro)des *oera/e +or ; ()

Persona **)den" up "o # L 2!%000= ()) 9oss o+ Persona Ba//a/e up "o # L 1%000=

())) eayed Ba//a/e up "o # L 100 and () Persona 9)a))"y up "o # L 2%00%000.

he prem)um under "he po)*y )s ony 1G per *en" more "han "ha" under "he e5)s")n/

Oerseas Med)*a)m Po)*y (OM% ,h)e "he med)*a ene+)"s ,) e )n*reased +)e

")mes )n add)")on "o suppemen"ary ene+)"s. Bha/yashree Ch)d Ee+are Po)*y

*oer)n/ /)r *h)d )n "he a/e /roup o+ 0 "o 18 years ,hose paren"s< a/e does no"

e5*eed 60 years% ,as )n"rodu*ed ,)"h e++e*" +rom 1 O*"oer 18. &n *ase o+ ea*h o+

"he /)r *h)d or o"h paren"s% an amoun" o+ Rs 2!%000 ,oud e depos)"ed )n "he name

o+ "he /)r *h)d ,)"h a +)nan*)a )ns")"u")on. ')5ed annua d)sursemen"s "o "he /)r

*h)d up "o "he a/e o+ 18 years ,oud e made +rom "he amoun" "o her *red)"% and "he

aan*e amoun" "o her *red)" ,oud e d)sursed on a""a)n)n/ "he a/e o+ 18 years.

Ee +)nd "he "erm 4o/a-shemam Bahamayam< )n our an*)en" "e5"s. h)s su//es"s "ha"

a +orm o+ *ommun)"y )nsuran*e ,as preaen" around 1000 BC and pra*")*ed y "he

ryans. &n modern ")mes% r)"on &nsuran*e Co. 9"d. ,as "he +)rs" /enera )nsuran*e

*ompany "o e es"a)shed )n &nd)a )n 18!0. he Bomay Mu"ua 9)+e &nsuran*e

#o*)e"y s"ar"ed )"s us)ness )n 18?0. &" ,as "he +)rs" *ompany "o *har/e same prem)um

+or o"h &nd)an and non@&nd)an )es. he Or)en"a ssuran*e Company ,as

es"a)shed )n 1880. herea+"er% many payers emer/ed. By 1!6% "here ,ere around

2G0 pr)a"e )+e )nsurers and more "han 100 /enera )nsurers. he oernmen" o+

&nd)a% *on*erned y "he une"h)*a s"andards adop"ed y some payers a/a)ns" "he

*onsumers% na")ona)Ded "he )ndus"ry )n ",o phases )n 1!6 ()+e and )n 1?2 (non@

)+e. he /oernmen" rou/h" "o/e"her )+e )nsurers under one na")ona)Ded monopoy

*orpora")on and 9&C ,as orn. he /enera )nsuran*e us)ness rema)ned )n "he pr)a"e

se*"or ") 1?2. hen% neary 10? )nsurers ,ere ama/ama"ed and /rouped )n"o +our

*ompan)es@ Na")ona &nsuran*e Company% Ne, &nd)a ssuran*e Company% Or)en"a



&nsuran*e Company and n)"ed &nd)a &nsuran*e Company. hey ,ere sus)d)ar)es o+

"he enera &nsuran*e Company (&C.



1*5 PROFILE OF THE ORGANI>ATION

&C&C& pruden")a 9)+e &nsuran*e Co 9"d% )s a jo)n" en"ure e",een "hree ead)n/

+)nan*)a *on/omera"es &nd)a<s prem)er deeopmen" and *ommer*)a an-% &B&%

&nd)a<s ead)n/ pr)a"e se*"or an-% 'edera Ban- and $urope<s prem)er Ban*assurer%

'or")s% ea*h o+ ,h)*h enjoys a s)/n)+)*an" s"a"us )n "he)r respe*")e us)ness se/men"s.

&n "h)s en"ure% &B& o,ns G8A eu)"y ,h)e 'edera Ban- and 'or")s o,n 26A

eu)"y ea*h. &C&C& pruden")a aun*hed )"s +)rs" se" o+ produ*"s a*ross &nd)a )n Mar*h

2008% a+"er re*e))n/ "he reu)s)"e approas +rom "he &nsuran*e Re/ua"ory

eeopmen" u"hor)"y (&R. oday% ,e o++er our ser)*es "hrou/h a as"

na")on,)de ne",or- a*ross "he ran*hes o+ &B& Ban- and 'edera Ban- )n add)")on

"o a s)Deae ne",or- o+ ad)sors and par"ners. " &C&C& pruden")a ,e endeaor "o

de)er produ*"s "ha" pro)de aue and *onen)en*e "o "he *us"omer. hrou/h a

*on")nuous pro*ess o+ )nnoa")on )n produ*" and ser)*e de)ery ,e )n"end "o de)er

,ord@*ass ,ea"h mana/emen"% pro"e*")on and re")remen" sou")ons "o &nd)an

*us"omers.

&C&C& pruden")a 9)+e &nsuran*e Co. 9"d )s a jo)n" en"ure o+ &B& Ban-% 'edera Ban-

(&nd)a and 'or")s &nsuran*e &n"erna")ona. he Cer")+)*a"e o+ Re/)s"ra")on has een

)ssued y "he &nsuran*e re/ua"or &R.

&nsuran*e Company on 1"h e*emer 200?. **ord)n/ "o "he a/reemen"% &B& ,)

hae a G8@per *en" s"a-e )n "he en"ure% ,h)e 'or")s and 'edera Ban- ,oud hae 26@

per *en" s"a-e ea*h. Eh)e &B& and 'edera Ban- are major &nd)an an-s% 'or")s has

"he e5per")se o+ an*asuran*e a*ross /oa mar-e"s. &" )s one o+ "he es" names )n "he

)nsuran*e us)ness )n $urope and has su**ess+u jo)n" en"ures )n ar)ous s)an

*oun"r)es. &C&C& pruden")a 9)+e &nsuran*e has e*ome 18"h )+e )nsurer )n &nd)a.

'ounded )n 1!6% &B& 9"d. )s &nd)a<s prem)er )ndus"r)a deeopmen" an-. oday% )"

)s amon/s" &nd)a<s mos" +amous *ommer*)a an-s ,h)*h pro)de a ,)de ran/e o+

)nnoa")e produ*"s and ser)*es. &B& Ban- has around G0 ran*hes and more "han

600 Ms a oer &nd)a. &B& )s a aso a par" o+ deeopmen" a*"))")es% as )" has een

)ns"rumen"a )n sponsor)n/ "he deeopmen" o+ -ey )ns")"u")ons )noed )n &nd)a<s

+)nan*)a se*"or% su*h as% "he #e*ur)")es and $5*han/e Board o+ &nd)a (#$B&% Na")ona



#"o*- $5*han/e o+ &nd)a 9)m)"ed (N#$ and Na")ona #e*ur)")es epos)"ory 9"d

(N#9.

ICICI PRUDENTIAL

&C&C& Pruden")a 9)+e &nsuran*e Company )s a jo)n" en"ure e",een &C&C& Ban-% a

prem)er +)nan*)a po,erhouse and pruden")a p*% a ead)n/ )n"erna")ona +)nan*)a

ser)*es /roup headuar"ered )n "he n)"ed K)n/dom. &C&C& Pruden")a ,as amon/s"

"he +)rs" pr)a"e se*"or )nsuran*e *ompan)es "o e/)n opera")ons )n e*emer 2000

a+"er re*e))n/ approa +rom &nsuran*e Re/ua"ory eeopmen" u"hor)"y (&R.

&C&C& Pruden")as eu)"y ase s"ands a" Rs. .2! ))on ,)"h &C&C& Ban- and

Pruden")a p* hod)n/ ?GA and 26A s"a-e respe*")ey. &n "he per)od pr)@e*emer 200G% "he *ompany /arnered Rs 8.6 ))on o+ ne, us)ness prem)um +or a "o"a sum

assured o+ oer Rs ?3.6 ))on and ,ro"e neary 3G!%000 po)*)es. he *ompany has a

ne",or- o+ oer !0%000 ad)sors= as ,e as ? an- assuran*e ")e@ups. oday% &C&C&

Pruden")a has emer/ed as "he No. 1 pr)a"e )+e )nsurer )n "he *oun"ry% ,)"h a ,)de

ran/e o+ +e5)e produ*"s "ha" mee" "he needs o+ "he &nd)an *us"omer a" eery s"ep )n

)+e.

Vso#

o ma-e &C&C& Pruden")a "he dom)nan" 9)+e and Pens)ons payer u)" on "rus" y

,ord@*ass peope and ser)*e. h)s ,e hope "o a*h)ee y;

nders"and)n/ "he needs o+ *us"omers and o++er)n/ "hem super)or produ*"s and

ser)*e

9eera/)n/ "e*hnoo/y "o ser)*e *us"omers u)*-y% e++)*)en"y and *onen)en"y

eeop)n/ and )mpemen")n/ super)or r)s- mana/emen" and )nes"men" s"ra"e/)es "o

o++er sus"a)nae and s"ae re"urns "o our po)*yhoders

Pro)d)n/ an ena)n/ en)ronmen" "o +os"er /ro,"h and earn)n/ +or our empoyees

nd aoe a% u)d)n/ "ransparen*y )n a our dea)n/s.



he su**ess o+ "he *ompany ,) e +ounded )n )"s un+)n*h)n/ *omm)"men" "o ! *ore

aues @@ &n"e/r)"y% Cus"omer ')rs"% Boundary ess% O,nersh)p and Pass)on. $a*h o+

"he aues des*r)es ,ha" "he *ompany s"ands +or% "he ua)")es o+ our peope and "he

,ay ,e ,or-. hey do e)ee "ha" "hey are on "he "hreshod o+ an e5*)")n/ ne,

oppor"un)"y% ,here ,e *an pay a s)/n)+)*an" roe )n rede+)n)n/ and reshap)n/ "he

se*"or.

CORE VALUES

he su**ess o+ "he *ompany ,) e +ounded )n )"s un+)n*h)n/ *omm)"men" "o ! *ore

aues

). &n"e/r)"y

)). Cus"omer ')rs"

))). Boundary ess

). O,nersh)p

. Pass)on.

$a*h o+ "he aues des*r)e ,ha" "he *ompany s"ands +or% "he ua)")es o+ our peope

and "he ,ay ,e ,or-. Ee do e)ee "ha" ,e are on "he "hreshod o+ an e5*)")n/ ne,

oppor"un)"y% ,here ,e *an pay a s)/n)+)*an" roe )n rede+)n)n/ and reshap)n/ "he

se*"or. )en "he ua)"y o+ our paren"a/e and "he *omm)"men" o+ our "eam% "here are

no )m)"s "o our /ro,"h.

DISTRIBUTION

&C&C& Pruden")a has one o+ "he ar/es" d)s"r)u")on ne",or-s amon/s" pr)a"e )+e

)nsurers )n &nd)a% ha)n/ *ommen*ed opera")ons )n ?G *)")es and "o,ns )n &nd)a. he

*ompany has seen an* assuran*e ")e@ups% ha)n/ a/reemen"s ,)"h &C&C& Ban-%

'edera Ban-% #ou"h &nd)an Ban-% Ban- o+ &nd)a% 9ord Kr)shna Ban- and some *o@

opera")e an-s% as ,e as oer 1!0 *orpora"e a/en"s and ro-ers. &" has aso ")ed up

,)"h NOs% M'&s and *orpora"e +or "he d)s"r)u")on o+ rura po)*)es and



or/an)Da")ons )-e han +or d)s"r)u")on o+ #aaam )nda/)% a po)*y +or "he so*)ay

and e*onom)*ay underpr))e/ed se*")ons o+ so*)e"y.

&C&C& Pruden")a has re*ru)"ed and "ra)ned oer 60%000 )nsuran*e ad)sors "o )n"er+a*e

,)"h and ad)*e *us"omers. 'ur"her% )" eera/es )"s s"a"e@o+@"he@ar" & )n+ras"ru*"ure "o

pro)de super)or ua)"y o+ ser)*e "o *us"omers.

Hstor2

&C&C& Ban- ,as or)/)nay promo"ed )n 1G y &C&C& 9)m)"ed% an &nd)an +)nan*)a

)ns")"u")on% and ,as )"s ,hoy@o,ned sus)d)ary. &C&C& ,as +ormed )n 1!! a" "he

)n)")a")e o+ "he Eord Ban-% "he oernmen" o+ &nd)a and represen"a")es o+ &nd)an

)ndus"ry. he pr)n*)pa oje*")e ,as "o *rea"e a deeopmen" +)nan*)a )ns")"u")on +or

pro)d)n/ med)um@"erm and on/@"erm proje*" +)nan*)n/ "o &nd)an us)nesses. &n "he

10s% &C&C& "rans+ormed )"s us)ness +rom a deeopmen" +)nan*)a )ns")"u")on

o++er)n/ ony proje*" +)nan*e "o a d)ers)+)ed +)nan*)a ser)*es /roup o++er)n/ a ,)de

ar)e"y o+ produ*"s and ser)*es% o"h d)re*"y and "hrou/h a numer o+ sus)d)ar)es

and a++))a"es )-e &C&C& Ban-. 1% &C&C& e*ome "he +)rs" &nd)an *ompany and "he

+)rs" an- or +)nan*)a )ns")"u")on +rom non@Iapan s)a "o e )s"ed on "he N4#$.

ICICI BAN) # I#$a

&C&C& Ban- )s &nd)as se*ond@ar/es" an- ,)"h "o"a asse"s o+ aou" Rs. 2%!13.8 n

(#L !6.3 n a" Mar*h 31% 200 and pro+)" a+"er "a5 o+ Rs. 2!.G0 n (#L !6 mn

+or "he year ended Mar*h 31% 200 (Rs. 20.0! n (#L GG mn +or "he year ended

Mar*h 31% 200!. &C&C& Ban- has a ne",or- o+ ?G1 ran*hes ()n*ud)n/ G8 e5"ens)on

*oun"ers and oer 3300 Ms )n &nd)a and presen*e )n 30 &n"erna")ona o*a")ons.

&C&C& Ban- o++ers a ,)de ran/e o+ an-)n/ produ*"s and +)nan*)a ser)*es "o

*orpora"e and re"a) *us"omers "hrou/h a ar)e"y o+ de)ery *hannes and "hrou/h )"s

spe*)a)Ded sus)d)ar)es and a++))a"es )n "he areas o+ )nes"men" an-)n/% )+e and non@

)+e )nsuran*e% en"ure *ap)"a and asse" mana/emen". &C&C& Ban- se" up )"s

)n"erna")ona an-)n/ /roup )n +)s*a 2002 "o *a"er "o "he *ross order needs o+ *)en"s

and eera/e on )"s domes")* an-)n/ s"ren/"hs "o o++er produ*"s )n"erna")onay.



&C&C& Ban- *urren"y has sus)d)ar)es )n "he n)"ed K)n/dom% Russ)a and Canada%

ran*hes )n #)n/apore% Bahra)n% Hon/ Kon/% #r) 9an-a and ua) &n"erna")ona

')nan*e Cen"re and represen"a")e o++)*es )n "he n)"ed #"a"es% n)"ed ra $m)ra"es%

Ch)na% #ou"h +r)*a and Ban/adesh. Our K sus)d)ary has es"a)shed a ran*h )n

Be/)um. &C&C& Ban- )s "he mos" auae an- )n &nd)a )n "erms o+ mar-e"

*ap)"a)Da")on.

ICICI PRUDENTIAL L!e I#sura#"e

&C&C& and Pruden")a *ame "o/e"her )n 13 "o +orm Pruden")a &C&C& sse"

Mana/emen" Company% ,h)*h has "oday emer/ed as one o+ "he ead)n/ mu"ua +unds

)n &nd)a. he ",o *ompan)es r)n/ "o/e"her ",o o+ "he s"ron/es" +)nan*)a ser)*e

rands )n s)a% -no,n +or "he)r pro+ess)ona)sm% e5*een" ua)"y o+ ser)*e and on/

"erm *omm)"men". R)d)n/ on "he su**ess o+ "h)s rea")onsh)p% "he ",o *ompan)es

jo)ned hands on*e more )n 2000% "o +orm &C&C& Pruden")a 9)+e &nsuran*e% ,)"h a

*omm)"men" "o pro)de ead)n/ ed/e )+e )nsuran*e sou")ons. &C&C& Ban- has ?GA

s"a-e )n "he *ompany% and pruden")a p* has 26A.

ICICI Lom3ar$

&C&C& 9omard enera &nsuran*e Company 9)m)"ed )s a ?G;26 jo)n" en"ure e",een

&C&C& Ban- 9)m)"ed and "he Canada ased L 26 ))on 'a)r+a5 ')nan*)a Hod)n/s

9)m)"ed. &C&C& Ban- )s &nd)as se*ond ar/es" an-% ,h)e 'a)r+a5 ')nan*)a Hod)n/s

)s a d)ers)+)ed +)nan*)a *orpora"e en/a/ed )n /enera )nsuran*e% re)nsuran*e%

)nsuran*e *a)ms mana/emen" and )nes"men" mana/emen". &C&C& 9omard )s &nd)a<s

ar/es" non pr)a"e +)rm ,h)*h pro)de /enera )nsuran*e.

ICICI PRUDETIAL MUTAL FUND

&C&C& PR$N&9 asse" mana/emen" *ompany enjoys "he s"ron/ paren"a/e o+

Pruden")a p*% one o+ "he K<s ar/es" payers )n "he )nsuran*e and +und mana/emen"

#e*"ors and &C&C& an-% a ,e -no,n and "rus"ed name )n +)nan*)a ser)*es )n &nd)a.

&C&C& pruden")a asse" Mana/emen" Company% )n a span o+ jus" oer e)/h" years. has

+or/ed a pos)")on o+ pre@em)nen*e )n &nd)an mu"ua +und )ndus"ry as one o+ "he ar/es"asse" mana/emen" *ompan)es )n *oun"ry ,)"h asse" under mana/emen" o+ Rs.



3?%06.2G *rores (as o+ mar*h 31s" % 200?. he *ompany mana/es a *omprehens)e

ran/e o+ s*hemes "o mee" "he ary)n/ )nes"men" needs o+ )"s )nes"ors spreads a*ross

68 *)")es )n "he *oun"ry.

Or?a#@ato# Des?# a#$ Stru"ture

PRODUCT AND SERVICES

GROUP SOLUTION

&n an era o+ *ompe")")e par)"y% "he ony asse" "ha" ma-es a de*)s)e d)++eren*e

e",een *orpora"e su**ess and +a)ure )s "he ua)"y o+ human *ap)"a. $mpoyee

ene+)"s hae proen "o e an e5*een" "oo "o op")m)De "he re"en")on o+ "aen" and

)mproe an or/an)Da")on<s o""om )ne. he ua)"y o+ an or/an)Da")on<s empoyee

ene+)"s es"a)shes and ma)n"a)ns a *ompany<s )ma/e as a *ar)n/ empoyer. Op")mum

*are o+ empoyees )s a on/@"erm )nes"men" "ha" resu"s )n a sus"a)ned *ompe")")e

adan"a/e +or an or/an)Da")on )n "he ")mes "o *ome.

ICICI Pru$e#ta% Grou- So%uto#s A$.a#ta?e

). n )n"e/ra"ed as-e" o+ empoyee ene+)" sou")ons "ha" o++er )n*omparae +e5)e

ene+)"s.

)). #ound )nes"men" mana/emen" "ha" +o*uses on sa+e"y% s"a))"y and pro+)"a))"y o+

"he por"+o)o.

))). Persona)Ded +)nan*)a pann)n/ +or your empoyee "ha" "a-es *are o+ h)sher

*han/)n/ +)nan*)a needs a" eery s"a/e o+ )+e.

). Qua)"y ser)*e )n)")a")es and "ransparen*y a*ross a opera")ons% prom)s)n/

supera")e opera")ona e++)*)en*y.

ACCIDENT AND DISABILITY BENEFIT RIDER ADBR

On dea"h due "o a**)den" *aused y )oen"% e5"erna and )s)e means% "he sum

assured under "he r)der ,) e pa)d. he ma5)mum ene+)" "ha" *an e aa)ed o+ )s

eua "o "he as)* sum assured "o a ma5)mum )m)" o+ Rs 10 a-hs.



&n *ase o+ a dea"h )n a mass sur+a*e pu)* "ranspor"% doue "he ene+)" ,) e

payae.

ACCIDENTAL BENEFIT RIDER

On "o"a and permanen" d)sa))"y due "o a**)den"% "he sum assured under "he r)der ,)

e payae )n "en annua )ns"amen"s% ea*h eua "o one "en"h o+ "he amoun" o+

a**)den"a *oer. On dea"h o+ su*h a memer e+ore "he as" su*h )ns"amen"% "hen "he

)ns"amen"s rema)n)n/ unpa)d sha e*ome payae )mmed)a"ey.

CRITICAL ILLNESS RIDER

&n "he een" o+ "he )+e assured *on"ra*")n/ a *r)")*a )ness% an add)")ona paymen"

eu)aen" o+ "he sum assured under "he r)der ,oud e made. he major )ness

*oered are;

Can*er% Coronary r"ery By@ Pass ra+" #ur/ery (CB#% Hear" ""a*-% Major

Or/an ranspan"% #"ro-e% Parays)s% or"a@ #ur/ery% Hear" Fae

Repa*emen"#ur/ery% K)dney 'a)ure.

Ehen empoyees jo)n or eae "he s*heme

S ne, empoyees e*ome a par" o+ "he /roup% )+ "hey mee" "he e)/)))"y *r)"er)a.

he *oer s"ar"s +rom "he da"e o+ jo)n)n/ "he *ompany.

S he par")*uars o+ "he ne, jo)nees are "o e sum)""ed y "he $mpoyer on a mon"hy

as)s aon/ ,)"h "he propor")ona"e prem)um.

S &n *ase o+ an )nd))dua ea)n/ ser)*e or "he /roup% )+e *oer ,) *ease

)mmed)a"ey.

S he propor")ona"e prem)um ,) e re+unded +or "he empoyees ea)n/ "he s*heme.



ICICI PRUDENTIAL GROUP RETIREMENT BENEFIT SOLUTIONS

GRATUITY 0 THE LOYALTY REWARD

ra"u)"y )s a s"a"u"ory ene+)" pa)d "o "he empoyees under "he Paymen" O+ ra"u)"y

*"% 1?2 ,ho hae rendered *on")nuous ser)*e +or a" eas" +)e years. he empoyee

)s e)/)e +or 1! days pay +or ea*h *ompe"ed year o+ ser)*e. he empoyer *an aso

s"ru*"ure a /ra"u)"y "ha" )s h)/her "han s"a"u"ory reu)remen"s. &" )s payae on

*essa")on o+ empoymen" (res)/na")ondea"hre")remen""erm)na")on y "a-)n/ "he as"

dra,n as)* saary as "he as)s +or *a*ua")on.

ra"u)"y paymen" )a))"y "ends "o )n*rease as "he saar)es and "enure o+ empoymen"

)n*rease annuay. &+ "he empoyer pays "he /ra"u)"y +rom )"s *urren" reenue% )"

e*omes d)++)*u" "o mee" "he )a))"y. &" )s "here+ore ene+)*)a "ha" a /ra"u)"y +und )s

se" up +or pruden" +)nan*)a pann)n/.

ICICI GROUP GRATUITY PLAN

&C&C& Pruden")a 9)+e &nsuran*e o++ers a mar-e" )n-ed /roup /ra"u)"y pan "ha" heps

"he )nsured *ompany "o +und "he s"a"u"ory /ra"u)"y o)/a")on )n a s*)en")+)* manner

and aso aa) o+ "he "a5 ene+)"s as app)*ae "o approed /ra"u)"y +unds.

FEATURES;

• W$er "(o"e o! #.estme#ts t( Maret L#e$ P%a#s @ "o mee" "he

d)erse +)nan*)a /oas. Ee o++er G )nes"men" op")ons (shor"@"erm de"% de"

and aan*ed and *ap)"a /uaran"ee pan ,here )nes"men"s ,) e made )n

a**ordan*e ,)"h "he +und oje*")es.• Tra#s-are#"2 "hrou/h a)y d)s*osure o+ n)" Faue and re/uar d)s*osure

o+ "he por"+o)o o+ ea*h o+ "he )nes"men" op")on

• F%e3%t2 "hrou/h s,)"*h)n/ and *on"r)u")on red)re*")on op")on "o enae

reshu++)n/ o+ por"+o)o.

• Bu#$%e$ L!e Co.er /rea"er aue "o "he empoyee y pa*-a/)n/ )+e

)nsuran*e *oer ,)"h "he /ra"u)"y% ,)"h m)n)ma amoun" o+ under,r)")n/.



• A"tuara% ser."es "o pro)de a s*)en")+)* es")ma")on o+ "he /ra"u)"y )a))"y.

• Lo e-%"t "(ar?e stru"ture ,)"h "he *ond)")ons +or e5)" spe*)+)ed up+ron".

•

E#(a#"e$ ser."e %e.e%s "hrou/h +as"er *a)m se""emen"% eas)er a**ess "o)n+orma")on and re/uar s"a"emen"s.

• Com-%ete e#$ to e#$ so%uto# # t(e %e?a% a#$ re?u%ator2 a--ro.a% -ro"ess

!or s"(eme set u- or tra#s!er*

ELIGIBILITY

roup ra"u)"y Pan *oers

). $mpoyer@ empoyee /roups.

)). roup s)De o+ 2! and aoe

))). $mpoyees (memers e",een "he a/e o+ 18 and re")remen" a/e o+ "he *ompany

Em-%o2er Be#e!ts;

• nnua *on"r)u")on up "o 8.33A o+ saary ) )n a +)nan*)a year )s ao,ed a

dedu*")on +or "he purpose o+ *ompu"a")on o+ pro+)"s and /a)ns o+ us)ness.

• Con"r)u")on "o,ards pas" ser)*e )a))"y )s ao,ed as dedu*")on as per "he

&n*ome a5 rues.

Em-%o2ee Be#e!ts;

• he *on"r)u")on made y "he empoyer )s no" )n*uded )n "he aue o+ "a5ae

peru)s)"es )n "he hands o+ "he empoyee.

• ra"u)"y re*e)ed up "o Rs 3!0000 )s e5emp" +rom &n*ome "a5 under #e*

10(10.

BUNDLED LIFE COVER

&C&C& Pruden")a ra"u)"y Pan o++ers /rea"er aue "o "he empoyees y pa*-a/)n/

/ra"u)"y ,)"h )+e )nsuran*e. &" *an e "a-en;



s a +a" *oer ,h)*h *an e a m)n)mum o+ Rs 1000 per empoyee% or

On "he as)s o+ an")*)pa"ed /ra"u)"y ,h)*h )s "he amoun" pa)d oer and aoe

"he a**rued /ra"u)"y o+ an empoyee )n "he een" o+ h)s prema"ure dea"h e+ore

re")remen" a/e% +or "he aan*e years o+ h)s ser)*e.

he prem)ums +or "he unded )+e *oer are payae annuay )n adan*e.



CONTRIBUTIONS

he *on"r)u")ons made "o,ards "he ra"u)"y )a))"y ,) depend on "he *"uar)a

Faua")on. 4ou *an es")ma"e your /ra"u)"y )a))"y ased on an a*"uar)a aua")on

pro)ded y a ua)+)ed a*"uary. s par" o+ our aue added ser)*es% ,e pro)de an

#@1! Cer")+)*a")on +or "he same. he Pas" #er)*e ra"u)"y 9)a))"y paymen" *an e

made oer a per)od o+ +)e years. he annua *on"r)u")ons *an e made )n annuay

uar"erymon"hy )ns"amen"s.

PRODUCT OFFER

&C&C& Pruden")a o++ers a mar-e" )n-ed pan "ha" o++ers a h)/her +e5)))"y and

"ransparen*y "han any o"her "rad)")ona or se+@adm)n)s"ered +und. &" o++ers G +und

op")ons under "he roup ra"u)"y Pan "o mee" "he empoyee<s d)erse +)nan*)a /oas.

he )nes"men"s are made )n a**ordan*e ,)"h "he +und oje*")es.

FUND

OPTION

ASSET ALLOCATION OBECTIVE

#hor" erm e"

Pan

100A Money Mar-e"%

e" &ns"rumen"s

Pro"e*" *ap)"a depoyed% as ,e as

pro)de su)"ae re"urns "hrou/h o,

r)s- )nes"men"s de" and money

mar-e" )ns"rumen"s

e" Pan Ma5 100A e"

&ns"rumen"s= Ma5 2!A

Money Mar-e"

enera"e a s"eady a**umua")on o+

)n*ome "hrou/h )ns"rumen" )n +)5ed

)n*ome se*ur)")es.

Baan*ed Pan M)n 80A de" and de"

rea"ed )ns"rumen"s= Ma5

20A $u)"y

enera"e a /ood m)5 o+ on/@"erm

*ap)"a appre*)a")on aon/ ,)"h

*urren" )n*ome "hrou/h )nes"men" )n

eu)"y and +)5ed )n*ome )ns"rumen"s.

Cap)"a

uaran"ee Pan

100A Money Mar-e"%

e" &ns"rumen"s.

Pro)de su)"ae re"urns "hrou/h o,

r)s- )nes"men"s )n de" and money

mar-e" )ns"rumen"s ,h)e pro"e*")n/

*on"r)u")ons )nes"ed )n "h)s pan.



VALUE ADDED SERVICES

ed)*a"ed a**oun" mana/er.

#e""e *a)ms and payou"s ,)"h)n spe*)+)ed "urn around ")mes.

ss)s"an*e )n se"")n/ up o+ a ne, "rus" and "rans+er o+ e5)s")n/ s*hemes.

9e/a and "a5a")on hep des- +or /ra"u)"y +und.

')nan*)a pann)n/ +or empoyees.

(e# em-%o2ees 'o# or %ea.e t(e s"(eme

S ne, empoyees e*ome a par" o+ "he /roup% )+ "hey mee" "he e)/)))"y *r)"er)a.

he )+e *oer s"ar"s +rom "he da"e o+ jo)n)n/ "he *ompany.

S he par")*uars o+ "he ne, empoyees may e sum)""ed y "he $mpoyer on a

mon"hy as)s. he "erm prem)ums are payae annuay )n adan*e (on a pro@ra"a

as)s and "he annua *on"r)u")on *an e pa)d )n "he spe*)+)ed )ns"amen"s.

S &n *ase o+ an )nd))dua ea)n/ ser)*e or "he /roup% )+e *oer ,) *ease

)mmed)a"ey.

S he propor")ona"e prem)um ,) e re+unded +or "he empoyees ea)n/ "he s*heme%

e5*ep" )n *ase o+ dea"h. he /ra"u)"y a**rued ,) e pa)d "o "he empoyee )+ e)/)e.

S 'or a dea"h *a)ms "he )+e *oer aon/ ,)"h "he a**rued /ra"u)"y ,) e payae "o

"he empoyee<s ene+)*)ary.

RETIREMENT PLANNING WITH GROUP SUPERANNUATION

+"er a auae pro+ess)ona *areer ,)"h an or/an)Da")on% empoyees reu)re "he

se*ur)"y o+ a re/uar )n*ome +o, ,hen "hey re")re. Or/an)Da")ons hep empoyees

se*ure "here /oden years y o++er)n/ ar)ous -)nds o+ re")remen" ene+)"s "ha" ao,

an empoyee "o enjoy "he same ua)"y o+ )+e pos" re")remen". roup #uperannua")on



)s one su*h e++)*)en" ,ay "o pan +or re")remen". ICICI Pru$e#ta% GROUP

SUPERANNUATION PLAN

&C&C& Pruden")a o++ers a mar-e" )n-ed de+)ned *on"r)u")on #uperannua")on s*heme

"ha" pro)des sus"an")a ene+)"s "o o"h empoyers and "he)r empoyees. he

empoyer *an aa) o+ "a5 ene+)"s app)*ae "o an approed #uperannua")on "rus".

he s*heme ,) pro)de +or a re")remen" +und o+ ea*h memer. memer ,oud e

ae "o *hoose +rom ar)ous pens)on op")ons or op" +or par")a *ommu"a")ons o+ "he

pens)on a" "he ")me o+ re")remen".

FEATURES

• W$er "(o"e o! #.estme#ts t( Maret L#e$ P%a#s @ "o mee" "he

d)erse +)nan*)a /oas. Ee o++er ! )nes"men" op")ons s(ort0term $e3t, $e3t,

3a%a#"e$, ?rot( a#$ "a-ta% ?uara#tee -%a# ,here )nes"men"s ,) e

made )n a**ordan*e ,)"h "he +und oje*")es.

• Co#tro% @ $a*h memerempoyer *an e5er*)se /rea"er *on"ro oer

)nes"men"s y *hoos)n/ one or more o+ "he )nes"men" op")ons.

• Mu%t-%e A##ut2 O-to#s @ ! annu)"y op")ons and open mar-e" op")on.

• Tra#s-are#"2 @ ransparen*y "hrou/h a)y d)s*osure o+ n)" Faue and

re/uar d)s*osure o+ "he por"+o)o o+ ea*h o+ "he )nes"men" op")on.

• F%e3%t2 @ 'e5)))"y "hrou/h s,)"*h)n/ and *on"r)u")on red)re*")on op")on

"o enae reshu++)n/ o+ por"+o)o.

• Lo e-%"t "(ar?e stru"ture ,)"h *ond)")ons +or e5)" spe*)+)ed up+ron".

• E#(a#"e$ ser."e %e.e%s "hrou/h +as"er *a)m se""emen"% eas)er a**ess "o

)n+orma")on and re/uar s"a"emen"s.

• Compe"e end@"o@end sou")on )n "he e/a and re/ua"ory approa pro*ess +or

s*heme se" up or "rans+er.

1*5*5 Pro3%ems o! t(e Or?a#@ato#



Ehen any "ype o+ "he resear*h )s e)n/ done% "hen resear*h proem mus" e *eared.

&" )s sa)d )+ "he proem )s *ear% )" means ha+ proem )s soed. he ma)n proem )s

"h)s "ype o+ s"udy )s "ha" )s u)"e hard "as- "o measure "he a**ura"e /ap e",een

*us"omer e5pe*"a")ons and "he ar)ous )+e )nsuran*e ser)*es o+ 9&C. *"uay "he /ap

anays)s usuay ar)ses due "o "he d)++eren*es e",een adeua"e and des)red ser)*e

o,er "he Done o+ "oeran*e. #o +or *ondu*")n/ "h)s "ype o+ s"udy usuay "hese

proems are ar)ses;@

• No" -no, ,ha" *us"omer e5pe*" a*"uay.

• &" )s hard "o *on)n*e "he *us"omers "o /)e +a)r response.

• &" )s pra*")*ay hard "o measure "he /ap o+ *us"omer e5pe*"a")ons and "he

ser)*e ua)"y pro)ded y 9&C% )" may e d)++er +or eery *us"omer.

Cus"omer may hae ser)ous e5pe*"a")ons "ha" may e e)"her h)/her or o,er "han "he

s"andards se" y "he or/an)Da")on

Produ*" on "he &n"erne" usuay *han/es +orm on)ne% and "he user e5per)en*es )"

ee*"ron)*ay% )n "he +orm o+ "e5"% )ma/es and mu")med)a. Phys)*a /oods are usuay

presen"ed )n "he +orm o+ a de"a)ed on)ne *a"ao/ue "ha" "he *us"omer *an ro,se

"hrou/h. e*hnoo/y ao,s "he user "o )r"uay "ou*h and +ee "he produ*" on "he

&n"erne" @ ro"a"e )"% Doom )n or Doom ou" and een )sua)De "he produ*" )n d)++eren"

*on+)/ura")ons and *om)na")on. Con"en" and so+",are are ",o aa"ars o+ d)/)")Ded

produ*"s "ha" *an e een d)s"r)u"ed oer "he &n"erne". On "he &n"erne"% $@mar-e")n/

,) e ased more on "he produ*" ua)")es ra"her "han on "he pr)*e. $ery *ompany

,) e ae "o r)n/ do,n "he *os" o+ )"s produ*"s and hen*e *ompe")")on ,) no" e

on pr)*e. &" ,) ra"her e on "he un)ueness o+ "he produ*". o e ae "o a""ra*" "he*us"omers and re"a)n "hem% "he *ompany ,) hae "o pro)de nouee and d)s")n*"

produ*"s "ha" +or*es "he ne" users "o pur*hase and *ome a*- +or more.



1*5*6 S*W*O*T A#a%2ss o! t(e Or?a#@ato#

Stre#?t(

). Qu)*- response.

)). ood *us"omer *are

))). Consu"an"<s s"ron/ repu"a")on

). ynam)* na"ure

Wea#ess

). #ma Mar-e" presen*e

)). 9)m)"ed #-)s

O--ortu#tes

). $5pans)on o+ us)ness

)). #o, 9earner *ompe")"ors

T(reats

). &nnoa")on )n "e*hnoo/y

)). #")++ *ompe")")on

#"ren/"hs;

• Ee *an respond ery u)*-y as ,e hae no red "ape% no need +or h)/her

mana/emen" approa.

• Ee *an /)e reay /ood *us"omer *are% as "he *urren" sma amoun" o+ ,or-

means ,e hae pen"y o+ ")me "o deo"e "o *us"omers.

• Our ead *onsu"an" has s"ron/ repu"a")on ,)"h)n "he mar-e".

• Ee *an *han/e d)re*")on u)*-y )+ our approa*h )sn" ,or-)n/.

• Ee hae )""e oerhead% so *an o++er /ood aue "o *us"omers.

Eea-nesses;

• Our *ompany has )""e mar-e" presen*e or repu"a")on.

• Ee hae a sma s"a++ ,)"h a shao, s-)s ase )n many areas.

• Ee are unerae "o )"a s"a++ e)n/ s)*-% ea)n/.

• Our *ash +o, ,) e unre)ae )n "he eary s"a/es.



Oppor"un)")es;

• Our us)ness se*"or )s e5pand)n/% ,)"h many +u"ure oppor"un)")es +or su**ess.

• 9o*a /oernmen" ,an"s "o en*oura/e o*a us)nesses ,)"h ,or- ,here

poss)e.

• Our *ompe")"ors may e so, "o adop" ne, "e*hnoo/)es.

hrea"s;

• E) deeopmen"s )n "e*hnoo/y *han/e "h)s mar-e" eyond our a))"y "o

adap"

• sma *han/e )n +o*us o+ a ar/e *ompe")"or m)/h" ,)pe ou" any mar-e"

pos)")on ,e a*h)ee.

1.3 &n"rodu*")on "o "he "op)*

he Be/)nn)n/; Cus"omer $du*a")on

&" a e/an )n 200? ,)"h a s)mpe "a/)ne; Iee"ay Raho<. h)s ,as an a""emp" "o*eera"e )+e and nea"y summed up "he roe "ha" &C&C& Pruden")a 9)+e as anor/an)Da")on ,oud )-e )nsuran*e "o pay )n eery &nd)an<s )+e. he *onen")ona

pos)")on)n/ o+ )nsuran*e as a sa+e"y ne" +rom a sudden dea"h< ,as "rans+ormed )n"o a

+u )+e *y*e sou")on< .+"er a de*ade o+ eadersh)p )n "he pr)a"e se*"or% "oday &C&C&Pruden")a 9)+e *on")nues ,)"h "he e)e+ "ha" )nsuran*e )s one o+ "he mos" )mpor"an")+e*y*e needs. 'or &C&C& Pruden")a 9)+e% *us"omer edu*a")on )s no" jus" a *us"omer@*en"r)* *ampa)/n u" has een and *on")nues "o e an undery)n/ ph)osophy. s oneo+ "he eaders )n "he )nsuran*e spa*e% "he or/an)Da")on e)ees "ha" )" )s )"srespons)))"y "o edu*a"e "he pu)* a" ar/e aou" "he )nsuran*e *a"e/ory. &" ,oud )-e

peope "o e ae "o )den")+y "he)r needs "hemsees and "a-e )n+ormed de*)s)ons "ha",oud ene+)" "hem )n "he on/ run. he year /one y has een a ,a"ershed year +or &C&C& Pruden")a 9)+e &nsuran*e. &" sa, pro+)"s e)n/ made% +or "he +)rs" ")me )n )"sn)ne@year h)s"ory% and "he *on"r)u"ors ,ere "he or/an)Da")on<s a))"y "o /ro,reenues% mana/e *os"s and /ro, "he asse"s under mana/emen" y re"a)n)n/

*us"omers.he or/an)Da")on<s +)nan*)a su**ess has een sus"an")ay pred)*a"ed on ensur)n/ "ha")"s e5)s")n/ *us"omers and +u"ure *us"omers see )" as a par"ner )n "he)r +)nan*)a

journey% ra"her "han jus" a produ*" and ser)*e pro)der. hus% a*u)r)n/ and re"a)n)n/*us"omers has een "he -ey "o &C&C& Pruden")a 9)+e<s +)nan*)a su**ess as anor/an)Da")on. he en")re journey o+ e)n/ a par"ner "o )"s *us"omers e/)ns ,)"hensur)n/ "ha" )" pays )"s par" )n edu*a")n/ "hem on "he need and aue o+ )nsuran*e. &""hen moes on "o )s"en "o "he *us"omer so "ha" "he)r )nd))dua needs and pre+eren*esare *ap"ured and "ransa"ed )n"o *us"omer sou")ons. he sou")ons span saes andser)*e% r)/h" up "o "he ")me o+ a *a)m and pro)denumerous momen"s o+ "ru"h< "ha" "hen ead "o a sa")s+)ed *us"omer. h)s se" "he

a/enda oer "he pas" year +or "he or/an)Da")on and ,) *on")nue "o e )"s edro*- oer "he years "o *ome $nhan*)n/ Cus"omer FaueBus)ness



Cus"omer 'o*used #"ra"e/y

&C&C& Pruden")a 9)+e<s e++or"s )n rea*h)n/ ou" "o and edu*a")n/ )"s *us"omers has een+o*used on "he +oo,)n/;

S Hep *us"omers unders"and "he)r pro"e*")on and sa)n/ needs; $ery person has aneed "o pro"e*" h)mse+ and h)s +am)y +rom +)nan*)a r)s-s. he or/an)sa")on has)n)")a"ed pa"h@rea-)n/ *us"omer *ommun)*a")on )-e Re")remen" )s "he ,ord<s es"

jo<% "ha" ,as des)/ned "o e5pa)n "he +)nan*)a pann)n/ pro*ess "ha" eads up "o re")remen".

S Crea"e "oos "o s)mp)+y &nsuran*e; &C&C& Pruden")a 9)+e u)" a "oo *aed "he'u"ure Ca*ua"or "o hep *us"omers "o eaua"e "he e5"en" o+ "he)r )nsuran*e needs. ,es)"e ,,,.s)mpe)nsuran*e.*om ,as aso deeoped "ha" )s ded)*a"ed "o "heoje*")e o+ s)mp)+y)n/ )nsuran*e.

S Hep *us"omers unders"and produ*" +ea"ures and ene+)"s; On*e a person has ou/h"a po)*y )" )s )mpor"an" "ha" he unders"ands a "he ene+)"s. he or/an)sa")on<s po)*y-)" has een redes)/ned "o enhan*e "ransparen*y. &" has se*")ons )-e Po)*y H)/h)/h"sand 'reuen"y s-ed Ques")ons. hrou/hs)mp)+)ed e""ers% no")*es and re*e)p"s% "he or/an)sa")on aso -eeps *us"omers)n+ormed aou" "he)r po)*y s"a"us. &" aso shares +und de"a)s "hrou/h mon"hy un)"s"a"emen"s and e)"e *us"omers re*e)e a uar"ery ma/aD)ne $)"e 9)+e< ,h)*h -eeps"hem )n+ormed aou" "he)r po)*y.

S Hep *us"omers unders"and +und per+orman*e; he or/an)sa")on has a mon"hy +und per+orman*e upda"e $nsure< "ha" -eeps *us"omers upda"ed on "he)r +und per+orman*e% pro)des "he mar-e" ou"oo- and *ompares re"urns,)"h en*hmar-s. Our a))"y "o an")*)pa"e and adap" "o "he e5"erna en)ronmen" hasheped us emer/e s"ron/er and more e++)*)en". Ee hae su**ess+uy under"a-en "he*haen/e o+ a*h)e)n/ pro+)"a))"y "hrou/h enhan*ed produ*"))"y and *os"op")m)sa")on ,h)e s"ay)n/ +o*used on /ro,"h. Our *a)ra"ed e++or"s "o ra)see++)*)en*y ees hae de)ered prom)s)n/ resu"s and ,e )n"end "o u)d on "he s"ron/+ounda")on "ha" ,e hae *rea"ed "h)s year. #"r))n/ +or e5*een*e )s an on/o)n/endeaor and ,e ,) re)n+or*e our *ore *ompe"en*)es ,h)*h ,) enae us "o pro)de/rea"er aue "o "he *us"omer.

$nhan*)n/ Cus"omer Faue

S Heps *us"omers unders"and Ca)ms #e""emen" pro*esses; #e"")n/ a *a)m )s "he+u+)men" o+ &C&C& Pruden")a 9)+e<s prom)se "o )"s *us"omers. &" pu)shes a *a)msne,se""er "ha" a)ms "o hep *us"omers unders"and "he ene+)"s o+ "he)r po)*y and ho,"hey *an e *a)med. 9as" year% &C&C& Pruden")a 9)+e )n)")a"ed a 360 de/ree *us"omer edu*a")on pro/ramme *aed Cus"omer $du*a")on #er)es ,h)*h has een )n*uded )n"he mass med)a% o"h on)ne and pr)n"% "he ,es)"e and o"her *ommun)*a")on )-ene,se""ers.



he Pro*ess; Cus"omer 'o*used #ou")ons

&C&C& Pruden")a 9)+e has u)" a s"ron/ *us"omer +eeda*- sys"em "o /a)n a *ompe"eunders"and)n/ o+ )"s *us"omers. he +eeda*- )s "hen "ransa"ed )n"o *us"omer@dr)en

ser)*e s"andards and a pan )s *ha-ed ou" "o a*h)ee "hem. Re/uar re)e,s on "he pro/ress o+ "hese pans and "he a*h)eemen" o+ ser)*es"andards *ompe"es "he *us"omer +eeda*- oop. he or/an)sa")on aso *ondu*"s aran/e o+ sureys "o /e" +eeda*- +rom *us"omers on o"h )"s e5)s")n/ produ*"s andser)*es% and aso e5pe*"a")ons"ha" "hey hae +rom "he or/an)sa")on. he ar)ous +eeda*- me*han)sms )n*ude;

S Cus"omer sa")s+a*")on sureys.

S #ynd)*a"ed s"ud)es on "ar/e" *onsumer ase.

S ransa*")on sureys "o /au/e sa")s+a*")on ,)"h ser)*e )n"era*")ons.

S 'o*us /roup d)s*uss)ons ,)"h *us"omers and saes par"ners "o )mproe and

pan produ*"s and ser)*es.

&C&C& Pruden")a 9)+e re/uary anayses *us"omer )n"era*")ons a" )"s "ou*h po)n"s,h)*h /)e )mpor"an" *ues aou" ,ha" *us"omers are mos" )n"eres"ed )n and anyd)++)*u")es "hey may e +a*)n/. Roo"@*ause anays)s o+ pers)s"en" *ompa)n"s )s *arr)edou" "o )den")+y +a)ure po)n"s and *orre*" "hem ,)"h #)5 #)/ma and 9ean "oos.

dd)")onay% "he or/an)sa")on ma-es e5"ens)e use o+ anay")*s and us)ness)n"e)/en*e "e*hn)ues on o"h )"s *us"omer da"aase and mar-e" da"a su*h asdemo/raph)*s% *us"omer )n*omes e"*. h)s heps )" "o +o*us )n a more e++)*)en" manner on )"s ar)ous *us"omer e++or"s. Ee are a*u"ey a,are "ha" )n*reas)n/*us"omer oya"y enhan*es "he aue o+ our en")re *us"omer ase. Ee "here+ore /)e*us"omer oya"y and

prem)um pers)s"en*e as mu*h )mpor"an*e as a*u)r)n/ ne, us)ness. o "ha" end ,e

ensure "ha" ,e hae a rand "ha" *us"omers )den")+y ,)"h% u)d *us"omer en/a/emen"

"hrou/h ,ord@*ass ser)*e and hae ")mey )n"eren")ons "o arres" poss)e e5)"s.



CHAPTER05

RESEARCH METHODOLOGY



Oje*")es

). o s"udy "he d)++eren" s"ra"e/y op" y "he Re)an*e 9)+e &nsuran*e and "he

&C&C& pruden")a.

)). o anayDe "he s"ra"e/)* /oa map o+ "he or/an)Da")on "o sus"a)n "he aue.

a. #*ope o+ "he #"udy

h)s resear*h )s *ondu*")n/ +or -no,)n/ "he *us"omer per*e)ed sa")s+a*")on "o,ards

"he ser)*e ua)"y o+ &C&C& pruden")a. &C&C& pruden")a )s "he +)rs" &nsuran*e

Company o+ &nd)a. &" )s presen"y enjoy)n/ a hu/e mar-e" share o+ &nsuran*e. #o ,)"h

"he hep o+ ap Mode "he emphas)s on "he resear*h )s "o -no, "he /ap o+ per*e)ed

#er)*e Qua)"y and "he a*"ua #er)*e Qua)"y o+ "he &C&C& pruden")a.

. #)/n)+)*an*e o+ "he s"udy

he hea"h *are sys"em )n &nd)a )s *hara*"er)Ded y mu")pe sys"ems o+ med)*)ne%

m)5ed o,nersh)p pa""erns and d)++eren" -)nds o+ de)ery s"ru*"ures. &C&C& pruden")a

se*"or o,nersh)p )s d))ded e",een *en"ra and s"a"e /oernmen"s% mun)*)pa and

Pan*haya" o*a /oernmen"s. &C&C& pruden")a hea"h +a*))")es )n*ude "ea*h)n/

hosp)"as% se*ondary ee hosp)"as% +)rs"@ee re+erra hosp)"as (CHCs or rurahosp)"as% d)spensar)es= pr)mary hea"h *en"res (PHCs% su@*en"res% and hea"h pos"s.

so )n*uded are &C&C& pruden")a +a*))")es +or see*"ed o**upa")ona /roups )-e

or/an)Ded ,or- +or*e ($#&% de+en*e% /oernmen" empoyees (CH#% ra),ays% pos"

and "ee/raph and m)nes amon/ o"hers.

Resear*h es)/n

). he da"a *oe*"ed )s Pr)mary da"a and #e*ondary da"a ,h)*h )s o"h uan")"a")e

and ua)"a")e da"a% ,h)*h ,as +ur"her anayDed )n order "o dra, *on*us)ons and

su//es")ons.

a"a Coe*")on

Pr)mary da"a & ,) *oe*" "he pr)mary da"a +rom "he s"ru*"ure ues")onna)re.

#e*ondary a"a & ,) *oe*" "he se*ondary da"a +rom Ma/aD)nes% Ne,spapers%

Iournas% Ees)"es.



oos used0 P)e *har " and "he ar /raph ,) used +or "he anays)s o+ pr)mary da"a.

#ampe s)De@ he sampe s)De )s 100 responden"s.

ar/e" ud)en*e@ Cus"omers +rom a ,a-s o+ )+e ).e. H)/h pper *ass% upper *ass%

M)dde *ass% 9o,er m)dde *ass.

)). #amp)n/ Me"hodoo/y

#amp)n/ me"hod@ Random samp)n/ s"ra"e/y ,) e suppor")n/ "o "h)s proje*".

a. 9)m)"a")ons

). h)s )s s")*- ,)"h "he one or/an)Da")on repor" and may e due "o o+ ery usy

s*hedue o+ ,or- empoyee many no" "a-e ery appropr)a"e de*)s)on ,hen ")me o+

+))n/ "he ues")onna)re

)). so +or +u"ure een"s d)s*osure *ompany are no" shar)n/ more )n"erna

)n+orma")on e)"her on )n"erne" or ready "o /)e.



CHAPTER06

DATA ANALYSIS AND

INTERPRETATION

Res-o#$e#t -ro!%e (as 3ee# a#a%2@e$; 0

1* O""u-ato#0

S* No* Part"u%ars Res-o#se



A us)nessman G!

B pro+ess)ona 3!

C s"uden"s 10

D House,)+e 10

Tota% responden"s 100

/ as 0 o""u-ato# , 2 as 0 res-o#$e#ts

INTERPRETATION;0 &n "h)s *har"% ,e *an see "ha" "he major responden"s are +rom

us)ness and pro+ess)ona se*"or o+ "he so*)e"y. ou" !0A responden"s are +rom usn)ess se*"or.

5* Do 2ou (a.e I#sura#"e I! 2es o! ("( "om-a#2


A 4es 88

B No 12

Tota% Responden"s 100



/ as0 res-o#se , 2 as0 res-o#$e#ts

INTERPRETATION0 &n "h)s *har" ,e *an see "ha" responden"s hae "a-en )nsuran*e

&C&C& Pruden")a o+ d)++eren" *ompan)es "o se*ured "he)r +u"ure.

WHICH COMPANY



/ as 0 "om-a#es , 2 as 0 res-o#$e#ts

INTERPRETATION;0 &n "h)s *har"% ,e *an see "ha" mos"y responden"s hae

aready se*ured under )+e )nsuran*e &C&C& Pruden")a o+ d)++eren" *ompan)es and

major payer )n "he mar-e" )s &C&C& pruden")a. Neary !0A responden"s hae "a-en

)nsuran*e &C&C& Pruden")a.

6* Aare#ess o! IDBI !e$ra% L!e I#sura#"e Com-a#2


A Pr)n" med)a 2!

S*No

Part"u%ars Res-o#se

A 9&'$ &N#RNC$

COMPN4

!2

B &C&C& Pruden")a 9)+e

&nsuran*e Co. 9)m)"ed

12

C H'C s"andard )+e

)nsuran*e 9"d

16

D Re)an*e enera &nsuran*e

Co. 9)m)"ed

8

E Non@ )nsuran*e &C&C&

Pruden")a hoders

12




B $e*"ron)* med)a 30

C /en"s 3!

D O"hers 10


/ as 0 me$ums , 2 as 0 res-o#$e#ts

INTERPRETATION;0

&n "h)s *har"% ,e *an see "ha" "he a/en"s pay major roe )n e5por)n/ "he ne,*ompan)es &C&C& Pruden")a<s +or e5pa)n)n/ "he)r *ompan)es )mpor"an*e and &C&C&

Pruden")a. /en"s *rea"e /rea" e++e*" on "he m)nd o+ "he *us"omers as "hey are more

a,are and unders"and)n/ o+ pans.

7* Do 2ou #o a3out U#t L#e$ I#sura#"e P%a#s ULIP


A 4es 60



B No G0


/ as 0 res-o#se , 2 as 0 res-o#$e#ts

INTERPRETATION;0

On "he as)s o+ aoe anays)s% ,e *an say "ha" peope are a,are o+ "he 9&P pans o+

"he d)++eren" *ompan)es )n "he mar-e". Responden"s are a,are o+ "he u)p pans o+ "he

respe*")e *ompan)es.

+* A""or$#? to 2ou, I#sura#"e ICICI Pru$e#ta% are !or

S* No* Part"u%ars Res-o#s

e

A Ne*ess)"y +or pro"e*")on

se*ur)"y

6?

B &mpos)")on o+ a urden o+

e5penses

1?

C *ompusory "oo +or "a5

sa)n/

16

Tota% responden"s 100




INTERPRETATION;0 On "he as)s o+ aoe anays)s% ,e *an say "ha" peope mos"y

"rea" )nsuran*e as a pro"e*")on )ns"rumen". 6? peope "h)n- )nsuran*e as a ne*ess)"y +or

pro"e*")on > se*ur)"y and rema)n)n/ "h)n- +or "a5 sa)n/s and )mpos)")on o+ a urden

o+ e5penses.

8* Ma# "o#s$erato# t(at a "ustomer %oos at (%e -ur"(as#? a#

I#sura#"e ICICI Pru$e#ta%

S*No Part"u%ars Res-o#se

A T 10

B #F&N 2

C PRO$C&ON !3D P$N#&ON 3

E &NF$#M$N !

tota% Responden"s 100




INTERPRETATION;0 On "he as)s o+ aoe anays)s% ,e *an say "ha" peope

pur*hase )nsuran*e &C&C& Pruden")a mos"y +or "he pro"e*")on purpose. More "han ha+

o+ "he peope "a-es )nsuran*e +or pro"e*")on o+ "he)r +u"ure.

9* W(at a res-o#$e#t see (%e -ur"(as#? I#sura#"e !rom t(e "om-a#2




INTERPRETATION;0 On "he as)s o+ aoe anays)s% ,e *an say "ha" peope

pre+er "he *ompan)es "hose hae ery h)/hy /ood,) )n "he mar-e". nd apar" +rom

"h)s ,h)e pur*has)n/ "hey aso use "o /)e more ,e)/h" a/e "o re"urn aso.

S* No* Part"u%ars a?e

A #"and)n/ and /ood,) o+ "he

*ompany

3!

B Produ*" ran/e and ser)*es o+

"he *ompany

1?

C der")semen" e)n/ reeased

y "he *ompany

13

D Possess)on o+ *ompany<s &C&C&

Pruden")a y h)s rea")es and

+r)ends.

10

E Re"urns o+ onus de*ared y

"he *ompany

2!




<* P%a# t(at a res-o#$e#t -re!ers to 3u2


INTERPRETATION;0 On "he as)s o+ aoe anays)s% ,e *an say "ha" peope pre+er

"o uy pro"e*")on > *h)dren pans mos"y. Responden"s are *on*erned ,)"h pro"e*")on

pans e*ause "hey are "a-)n/ "he pans "o se*ured "he)r +u"ure.


A Pro"e*")on Pan G?

B &nes"men" Pan 1

C Pens)on Pan 10

D Ch)dren Pan 2G




:* Customers e-e"tato#s !rom L!e I#sura#"e Com-a#es


A &nnoa")e Produ*"s !

B ""ra*")e R)der 2

C Reasonae Prem)um G?

D Be""er Cus"omer #er)*e 2G

E H)/h R)s- Coera/e 22



INTERPRETATION;0

On "he as)s o+ aoe anays)s% ,e *an say "ha" peope e5pe*" e""er *us"omer ser)*e

+rom "he )nsuran*e *ompan)es > reasonae prem)um on "he)r )nes"men". Peope

ma)ny /o +or "he pan ,h)*h ,) pro)de h)m su++)*)en" re"urns y /))n/ reasonae prem)um.

1=* Ho $o 2ou rate IDBI !e$ra%s ea%t(sura#"e ICICI Pru$e#ta% 32 ot(er



"om-a#2 #sura#"e ICICI Pru$e#ta%*


INTERPETATION;0

On "he as)s o+ aoe anays)s% ,e *an say "ha" peope are sa")s+)ed ,)"h "he pans "hey

hae ou/h"% )"s "ha" "hey are no" a,are o+ "hese u)p pans o+ "h)s *ompany. Bu" "here

are *er"a)n dou"s )n "he m)nd o+ responden"s aou" "he *ompany and ,he"her "hey

shoud )nes" )n )" or no".


A OO 10

B F$R$ 2!

C B 10

D CN #4 !!




FACTS J FINDINGS



/en"s pay major roe )n a,ar)n/ peope aou" "he ene+)"s o+ )nsuran*e.

Peope "h)n- )nsuran*e as a pro"e*")on "oo.

Peope pur*hase )nsuran*e &C&C& Pruden")a mos"y +or pro"e*")on purpose and

some o+ peope +or sa)n/.

he /ood,) o+ "he *ompany aso a""ra*"s *us"omers "o,ard a )nsuran*e *ompany.

Peope aso "a-e )nsuran*e &C&C& Pruden")a as a se*ur)"y +or "he)r *h)dren.

Mos" o+ "he peope are aready se*ured under )+e )nsuran*e &C&C& Pruden")a o+

d)++eren" *ompan)es and major payer )n "he mar-e" )s &C&C& pruden")a. ou"

!0A responden"s hae "a-en )nsuran*e &C&C& Pruden")a.

he a/en"s pay major roe )n e5por)n/ "he ne, *ompan)es &C&C& Pruden")a<s +or

e5pa)n)n/ "he)r *ompan)es )mpor"an*e and &C&C& Pruden")a. /en"s *rea"e /rea"

e++e*" on "he m)nd o+ "he *us"omers as "hey are more a,are and unders"and)n/ o+

pans.

round 6?A peope "a-es )nsuran*e as a ne*ess)"y +or pro"e*")on > se*ur)"y and

rema)n)n/ "h)n- +or "a5 sa)n/s and )mpos)")on o+ a urden o+ e5penses.

More "han ha+ o+ "he peope "a-es )nsuran*e +or pro"e*")on o+ "he)r +u"ure and

pre+er pro"e*")on pans.

Peope e5pe*" e""er *us"omer ser)*e +rom "he )nsuran*e *ompan)es > reasonae

prem)um on "he)r )nes"men". Peope ma)ny /o +or "he pan ,h)*h ,) pro)de

h)m su++)*)en" re"urns y /))n/ reasonae prem)um.



RECOMMENDATIONS



On "he as)s o+ my s"udy% & *on*ude "ha"% o"h "he *ompan)es are pro)d)n/ ery /ood

der")semen" shoud e done on "ee)s)on and espe*)ay Pos"ers and

Banners. h)s ,) /rea"y hep )n ra)s)n/ a,areness ee.

&B& Company shoud sho, more *omm)"men" ,)"h "he *us"omers.

Pr)a"e *ompan)es /)e e""er ser)*es "o "he *us"omers as *ompared "o &C&C&

pruden")a *ompan)es.

he &B& *ompany shoud *rea"e /ood rea")ons and *ommun)*a")on.

&B& *ompany shoud *oaora"e "o spread a,areness re/ard)n/ "he ene+)"s

o+ )nsuran*e pans pro)ded y "he o"her *ompan)es.

/en"s hae /o" ma5)mum )n+uen*e on *us"omers. hey are "he one ,ho

)n"rodu*es "he prospe*" "o d)++eren" &*)*) Pruden")a. #o a/en"s shoud e /)en

+u@+ed/ed "ra)n)n/ and "he "ra)n)n/ shoud e s"r)*".



CONCLUSION



On@#hopp)n/ )s a ho" "op)* espe*)ay )n "hese days o+ )ns"an" resu"s. he reason ,hy

)@#hopp)n/ has e*ome so popuar )s e*ause "hey pro)de "hree major ene+)"s "o

po"en")a uyers;

1. Conen)en*e; Cus"omers *an order produ*"s 2G hours a day ,hereer "hey are.

hey don<" hae "o s)" )n "ra++)*% and a par-)n/ spa*e% and ,a- "hrou/h *oun"ess

shops "o +)nd and e5am)ne /oods.

2. &n+orma")on; Cus"omers *an +)nd reams o+ *ompara")e )n+orma")on aou"

*ompan)es% produ*"s% *ompe")"ors% and pr)*es ,)"hou" ea)n/ "he)r o++)*e or home.

3. 'e,er hasses; Cus"omers don<" hae "o +a*e saespeope or open "hemsees up "o

persuas)on and emo")ona +a*"ors= "hey aso don<" hae "o ,a)" )n )ne.

)@#hopp)n/ aso pro)des a numer o+ ene+)"s "o mar-e"ers;

1. Qu)*- adjus"men"s "o mar-e" *ond)")ons; Compan)es *an u)*-y add produ*"s "o

"he)r o++er)n/ and *han/e pr)*es and des*r)p")ons.

2. 9o,er *os"s; On@)ne mar-e"ers ao)d "he e5pense o+ ma)n"a)n)n/ a s"ore and "he

*os"s o+ ren"% )nsuran*e% and u"))")es. hey *an produ*e d)/)"a *a"ao/s +or mu*h ess

"han "he *os" o+ pr)n")n/ and ma))n/ paper *a"ao/s.

3. Rea")onsh)p u)d)n/; On@)ne mar-e"ers *an d)ao/ue ,)"h *onsumers and earn

+rom "hem.

G. ud)en*e s)D)n/; Mar-e"ers *an earn ho, many peope )s)"ed "he)r on@)ne s)"e

and ho, many s"opped a" par")*uar pa*es on "he s)"e. h)s )n+orma")on *an hep

)mproe o++ers and ads.

Ceary% mar-e"ers are add)n/ on@)ne *hannes "o +)nd% rea*h% *ommun)*a"e% and se.

)@#hopp)n/ has a" eas" +)e /rea" adan"a/es. ')rs"% o"h sma and ar/e +)rms *an

a++ord )". #e*ond% "here )s no rea )m)" on ader")s)n/ spa*e% )n *on"ras" "o pr)n" and

road*as" med)a. h)rd% )n+orma")on a**ess and re"r)ea are +as"% *ompared "o

oern)/h" ma) and een +a5. 'our"h% "he s)"e *an e )s)"ed y anyone +rom any pa*e

)n "he ,ord. ')+"h% shopp)n/ *an e done pr)a"ey and s,)+"y.



he &n"erne" )s a po,er+u "oo +or s"ren/"hen)n/ rea")onsh)ps. By o++er)n/ *us"omers

*on"en" and ")me aue% $@#hopp)n/ has opened ne, )s"as +or mar-e"ers. he

/rea"es" +ea"ure o+ "he d)/)"a e*onomy )s "ha" )" enaes "he $@Mar-e"er "o erad)*a"e

man "rad)")ona arr)ers e+ore en"er)n/ ne, mar-e"s. hese arr)ers )n*ude

e*onom)es o+ s*ae and /eo/raph)* pos)")on)n/. he )nna"e s"ren/"h o+ an $@Mar-e"

*omes no" +rom "he seamess +o,s o+ /oods and ser)*es +rom "he produ*er "o "he

*us"omer u" )n "he /eome"r)*ay )n*reas)n/ re"urns +rom *oner/)n/ )deas and

"e*hnoo/)*a *han/e "he s"ren/"h o+ on)ne *ommun)")es has neer een so /rea"% and

*ompan)es hae used "hem "o deeop ne, mar-e"s. No")*e ho, 9)nu5 d)s"r)u"ed

+ree on "he Ne" has een ae "o u)d up a +a)"h+u *us"omer ase. ")ma"ey here

aso "he mar-e"er has "o rea)De "ha" no"h)n/ ses as ,e as a /ood produ*". Bu" "he

eau"y o+ "he &n"erne" )s "ha" )" o++ers *ons"an" oppor"un)")es +or produ*" enhan*emen"

ased on *on")nuous *us"omer +eeda*-. Compan)es ,ho hae "uned "he)r us)ness

pro*esses "o )n*orpora"e "hese *us"omer responses hae een ae "o eera/e "he

po,er o+ "he Ee "o /a)n *ompe")")e adan"a/e.



BIBLIOGRAPHY



BASIC COVERAGE

$en" Mana/emen" 9ynn Fan er Ea/en > Brenda R. Caros

Pr)n*)pes o+ Mar-e")n/ Ko"er > ms"ron/

Mar-e")n/ Mana/emen" Ph))p Ko"er

Mar-e")n/ )s Bus)ness Ea"er $. F)e)ra

he 'undamen"as > Pra*")*e o+ Mar-e")n/ Iohn E)mshurs"

WEBSITES

,,,.)nd)a"radepromo")on.or/

,,,.e5h))")ons)nd)a.*om

,,,.super*omm)nd)a200G.*om

,,,.randers.*om

,,,.)e,*en"ra.*om

,,,.een"mar-e"er.*om

,,,.mar-e"ersadan"a/e.ne"ar")*es.h"m-UNe",or-A20Mar-e")n/

,,,.mo)emar-e")n/jo)s".*om



Respondent profile has been analyzed !

1* O""u-ato#0


A us)nessman

B pro+ess)ona

C s"uden"s

D House,)+e

Tota% responden"s

5* Do 2ou (a.e I#sura#"e I! 2es o! ("( "om-a#2


A 4es

B No

Tota% Responden"s

6* Aare#ess o! IDBI !e$ra% L!e I#sura#"e Com-a#2


A Pr)n" med)a

B $e*"ron)* med)a

C /en"s

D O"hers

Tota% Responden"s



7* Do 2ou #o a3out U#t L#e$ I#sura#"e P%a#s ULIP


A 4es

B No

Tota% Responden"s

+* A""or$#? to 2ou, I#sura#"e ICICI Pru$e#ta% are !or

8* Ma# "o#s$erato# t(at a "ustomer %oos at (%e -ur"(as#? a# I#sura#"e

ICICI Pru$e#ta%


A Ne*ess)"y +or pro"e*")onse*ur)"y

B &mpos)")on o+ a urden o+ e5penses

C *ompusory "oo +or "a5sa)n/

Tota% responden"s

S*No Part"u%ars Res-o#se

A T

B #F&N

C PRO$C&ON

D P$N#&ON

E &NF$#M$N

tota% Responden"s



9* W(at a res-o#$e#t see (%e -ur"(as#? I#sura#"e !rom t(e "om-a#2

<* P%a# t(at a res-o#$e#t -re!ers to 3u2


A #"and)n/ and /ood,) o+ "he

*ompany

B Produ*" ran/e and ser)*es o+

"he *ompany

C der")semen" e)n/ reeased

y "he *ompany

D Possess)on o+ *ompany<s &C&C&

Pruden")a y h)s rea")es and

+r)ends.

E Re"urns o+ onus de*ared y

"he *ompany

Tota% Responden"s


A Pro"e*")on Pan

B &nes"men" Pan

C Pens)on Pan

D Ch)dren Pan

Tota% Responden"s



:* Customers e-e"tato#s !rom L!e I#sura#"e Com-a#es


A &nnoa")e Produ*"s

B ""ra*")e R)der

C Reasonae Prem)um

D Be""er Cus"omer #er)*e

E H)/h R)s- Coera/e

Tota% Responden"s

1=* Ho $o 2ou rate IDBI !e$ra%s ea%t(sura#"e ICICI Pru$e#ta% 32 ot(er

"om-a#2 #sura#"e ICICI Pru$e#ta%*


A OO

B F$R$

C B

D CN #4

Tota% Responden"s

icici prudential marketing strategy

Documents