What Customers think about us?
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
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.
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.
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.
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
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
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
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
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
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.
- 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
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
- 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