What Customers think about us?
Sana has a high quality, great leadership at the top and offers best in class services to its clients. I am proud to say that... More
Nilay Datkeolyar
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Google Review
Very Good Interface .The online buying experience is excellent in quick easy steps .The online system is very interactive and... More
Naseer Baig
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Google Review
It was a pleasure dealing with this new organisation which is led by a team of dedicated professionals from Insurance , finan... More
Sunirmol Ghosh
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Sana is headed by a great team of professionals who understand the customers needs at best and put the customers interest at ... More
Basant Shaw
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They keep it simple and no pushy salespeople. So much better than highly advertised portals which just push high commission p... More
M S Bagri
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My experience with Sana is simply superb. The team is full of positive attitude. and energy. The clarity of the team on their... More
Soumen Joarder
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Today I have ported my mother's and my policy with help of Sana.insure My journey was remarkable. Kudos to Sana Insure team ... More
berjbharucha
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I recently bought a health insurance policy from SANA. It is indeed one of the trustworthy places where I can find the best h... More
Nisha Pandya
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Very innovative, Simple but SAMPLE to understand complexity in most easy manner. Recommended to all dear brothers and sisters... More
BK Vijay Malhotra
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A customer-oriented company which places high value on understanding customer needs and suggesting solutions based on their s... More
ARUN ARYA
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Simple and well designed site and seems to follow an open and transparent process. Will surely get my existing health policie... More
Sharmistha Baig
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A quick and easy online experience to choose the right health insurance at the right price. Very transparent and user friendl... More
Neel Kalita
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Super service!! This really simplifies the terribly complex health insurance buying. Transparent comparison and need fitment.... More
Anil Mehta
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Its a great agency highly recommend for Insurance needs, Very Good experience.
Neel Davda
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Easy and professional experience for my insurance need. Went out of their way to get me better deal ! Highly recommended.
Manish Rathi
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It is one of the best online interface I have seen even better then few MNC products
Chandershekhar Kothari
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Get a curated and tailor-made Group Medical Cover for your organization
Our specialists and group insurance experts will work with you, using proprietary tech driven models and forecasting tools, to curate and customize a Group Health Insurance scheme with affordable premiums that suits your organization.
Find your perfect fit with SANA !
Tech Driven Solutions
Our Tech Team is led by experienced experts in technology solutions and configuring world class CRM systems - enabling us to swiftly deliver tailor-made solutions. We deliver automated on-demand, on-time Quotes, Reports, Analytics and other MIS without human errors or delays; enabled by a team of techies with customized integrated CRM solutions for the entire policy journey
Experienced Industry Specialists
A Health Insurance focused intermediary, led by specialists with decades of experience in PSU and Private Insurers, and leading Broking houses. Our Leadership team has 200+ man years of PSU & Private Insurer experience in India and overseas, giving us deep insights and connects, to negotiate best deals for you.
Dedicated Assistance
A dedicated team to assist and aid members for overall service delivery including claims, endorsement and helpdesks for overall Customer delight supported by a 24x7 advanced Chatbot assistance for query resolutions.
Employee Engagement
Sana ensures planned & curated Wellness Activities – free-camps, paid-offerings, and other offers from Insurers customized to the need & demography of the group
Why Choose Group Medical Cover? What are the Group Health Insurance Benefits in India ?
GROUP MEDICAL COVER
- Premiums are cheaper.
- Premiums can be paid either by the Organization or Members or both.
- No Waiting period
- Pre-Existing Diseases are usually covered from Day 1
- No medical check-up required for enrolling
RETAIL HEALTH COVER
- Premiums are expensive.
- Individuals pay premiums.
- Initial Waiting period
- Pre-Existing Diseases typically covered after a waiting period
- Medical tests often required.
We Understand your pain points !
Limited Technology aid
Lack of Periodic Review and automated reports for Analytics on Portfolio-Health and corrective measures to minimize loss ratios
Absence of on-demand automated periodic MIS, available both on push & pull
Human errors & delays of updating data and reports due to no tech enabled systems
Lack of Expert Advice
Corporates budget for Group Health Insurance Plans purely on previous years claim ratio, whilst in-depth claim analytics can bring in new aspects for discounted rates, that specialists can forecast and calculate.
No Sustained market intelligence to adapt and adopt to new trends and offerings
Govt of India mandates Group Health Insurance for employees post Covid19 pandemic. How to make it happen.
Broken Assistance
Complaints rate that prevails in the Indian Health insurance industry is a source of concern
Even though a human touch is inevitable to ensure Customer delight, technology can help improve that
Endorsements in Master Group Health Insurance Plan is far from being seamless
Missing Engagement
Employee communication including E-cards & claim assistance needs to be smooth & technology enabled
Employee-Benefit Programs need to ensure employees feel and experience the benefits
Absence of tailor-made demography specific Employee Wellness & Engagement activities
Source : http://www.nipfp.org.in/publications/working-papers/1822
|PwC India’s Insurance Technology Adoption Survey 2019
|Shivani Garg: Healthcare Policy in India- Challenges and Remedies
Assistance at every step of your purchase
Group
Demography
Analytics
Policy
Specification
Design
Pricing
Placement
On-Boarding
Servicing
Technology
Demography Analytics
Cost Forecasting
Claim history pattern reports for required covers
Cost Benefit Analysis for different options of group insurance
Data driven pricing model calculations to present to Insurer
Accurate on-time system driven, pull or push data and reports for Insurer
Automated communication and delivery of e-cards, plan copy, etc. for both Employer and Employees
Integrated CRM systems for data-flow Reports & reconciliation
24x7 Chatbot help
Specialists
Underwriting Analysis of claim experience
Demography based models
Hierarchy or Demography based differential options for better pricing and benefits
Deep connects and market intelligence with Insurer & Brokers, to get best rates
Push Insurer for swift and ‘First Time Correct’ placement
Assist On-Boarding and Familiarisation Modules for Employer and Employees
Manage and resolve Escalations swiftly
Analyse and flag policy health trends
Assistance
Capture Voice-of-Employee
Benefit Plan Funding, Member Contribution survey
Discuss and present varied options to co-create tailormade benefits
Help to collate data, create reports with your team, to present to Insurer
Liaison with Insurer and your Policy Admin team for seamless integration
Organize workshops/ calls/ mailers to ensure delight for member on-boarding
In-house call centre
CRM backed dedicated assistance
Single-Point-Of-Contact for members
Wellness
Geography and Demography based Wellness Calendar design
Basis group size and requirement draft SLAs with Insurer /TPA
Negotiate best deals with Insurers /TPA for planned activities
Formalise Annual Calendar of Activities and programs
Publish location & demography-based calendar and info-dissemination to all
Ensure execution of planned calendar with periodic progress reporting
- Correct & expert Claim Analytics on claim history can bring down your Renewal Pricing rates.
- Separate Parental Plans sometimes may be cheaper rather than clubbing it together.
- Introducing Co-pay or Disease wise capping can reduce future loss-ratios and bring down premiums.
- Removal or capping of certain medical expense and ailments can bring down rates and loss ratios for your Group Health Insurance Plans.
Policy Owner/Employer Experience
- Timely, error free Endorsements - Addition & deletion of members
- Maintaining the optimal CD balance, to ensure no break of cover for any member.
- Periodic automated Reports & Policy Health Dashboards
Employee/Member Experience
- Plan & manage demography-based Wellness Activities, to add to employee delight.
- On demand and readily available E-Health Card for all employees.
- 24x7 On-demand query resolution and On-time Claims Assistance.
