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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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Google Review

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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Google Review

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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Google Review

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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Google Review

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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Google Review

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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Google Review

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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Google Review

Excellent advice and great team of people with vast experience.

Harsh Mathur

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Google Review

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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Professional team.. Thorough knowledge.. 👍👍

Parul Lamba

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Google Review

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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Google Review

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 health experts will work with you, using proprietary tech driven models and forecasting tools, to curate and customize a Group Medical Cover that suits your organization

Group Health Insurance Policy


Get a FREE GMC Quote

Group Health Insurance Policy

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 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 a Group Health Insurance ?

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 premium.
  • 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 Medical 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 Medical cover 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 Policy 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

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PwC India’s Insurance Technology Adoption Survey 2019

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Shivani Garg: Healthcare Policy in India- Challenges and Remedies

Assistance at every step of your purchase

Pre Purchase
Post 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

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, policy 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

Key Factors for a better GMC Pricing
  • Correct & expert Claim Analytics on claim history can bring down your Renewal Pricing rates.
  • A separate Parental policy 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 Medical cover
Key Factors to enhance Customer Experience

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

Speak to our Group Medical Cover experts to get tips to enhance your Experience & get Best rates