Calling Script

A) GREETING
Good Morning/Good Afternoon/ Good Evening!

Am I speaking to Mr. /Ms. __________

My name is _____________ and I am calling from Policybazaar.com.

You had visited us looking for a Health Insurance plan; I am your health adviser i will guide you towards choosing the right
Plan as per your requirement.

Before proceeding further I would like to inform you that this call is being recorded for quality & training purpose.

B)Re-Confirmation
As per the details you have entered on our website:

 You are looking for a Health Insurance plan for Yourself, Spouse and your daughter.
The age you have entered are 32, 31 & 2 years respectively and your city is Mumbai.
 I hope all the members are medically fit and fine, they are not taking any medicine on regular basis and no surgery in
the past. (If No – Appreciate the customer by saying – That’s great sir! All of you have maintained your health very
well). If Yes – Don’t worry Mr X you are at the right platform as we have special plans for people suffering from any
illness.

C)Advice / Recommendation
This is the right time to buy health insurance for your family as all the members are completely fit you can go with the best
plan.

There are couple of things one needs to consider while buying Health Insurance:

1. What Sum Insured to go for?

Sum insured is the maximum amount that Insurance Company can pay in case you are hospitalized.

Sir, as you know medical inflation is so high and treatment cost is increasing tremendously every year. Before choosing a
plan, one of the most important things to consider is adequate coverage amount.
You already know the treatment cost for all the major illnesses is so high in good hospitals.

Share some stats:

 Bypass surgery cost and Cancer Treatment can go upto 10 lacs

PB Advantage
Another important thing to look at before finalizing a plan is service. For that let me tell you some additional benefits of
buying policy through us:

Claims Guarantee: I would like to tell you one more important benefit that you will get as you are buying this policy through us.
Mostly customers are more concerned about service part, I would like to tell you that you will get a claims guarantee certificate
if you are buying this policy form us, this means peace of mind; and priority claim settlement. We have a separate claim
settlement team also, who helps our customers to get the claim settled on priority.

On Ground Claim assistance: you will get on ground support, we understand the situation when one of our family members
get hospitalized, there is already lot of stress amongst the family and the patient becomes our main priority, at this particular
point we need someone to support us in terms of completing all the claim related procedures. Nothing to worry Mr X, we will
provide you a relationship manager who will take care of everything related to claims and you can take care of your family
member. I think this the biggest relief to all our customers and they are very happy to hear this.

2. Some of the most important features to look at are

The maximum room type for which the insurance co. will pay e.g.
Room Rent Capping
Single Private Room.
No Co-payment Full claim payment upto 100% of SI
Free Health Check-up Free Medical Check-up once a year, which otherwise costs Rs. 2000

In order to close on an insurance company its recommended to keep in view:

Cashless Network Number of cashless hospital in customer's city

Claim Settlement Ratio IRDAI Claim Settlement Ratio

Is there any other particular feature that you are looking in your
health insurance plan?
I would like to recommend you ABC Plan and it will only cost you Rs. ………….. for your entire family.
Discuss Plan Features

Product

Also, you know the pollution levels are very high nowadays due to which we are prone to so many diseases in order to avoid
this situation we should go for a regular health check-up, this plan provides a preventive free health check up to all the insured
members.

Mr X, as you are talking to policy bazaar adviser we believe in transparency, so please come online and I will show you all the
benefits in writing as well. Let me confirm your email Id you have mentioned is X@gmail.com. Right?

Further, I would like to tell you that there is no room rent capping – This plan says that there is no restriction on your room
rent you can avail treatment in a single private room as per your choice. Other insurers have capping like 1 % of SI per day for
room rent etc…

Now, let me tell you the other important thing about this company, it covers 250 hospitals in your city and 4500 hospitals in
India. So tell me which hospitals you prefer to go for treatment… let me check whether they are covered…….

D) PB Advantage contd….

Let me tell you about some more additional benefits you will get through us:

Brand: Mr X, I know there must be some reason that out of so many companies you chose us but, still I would like to share that
PB is India's largest Insurance intermediary and we did 3,000 Cr. of Insurance last year. We proudly say that we are largest
distributer for all Insurance companies.

Best Deals: Many insurance companies offer waivers & discounts which are exclusively available on Policybazaar. E.g. Loading
Waivers, Exclusive products, Online Discount etc.

I hope these benefits sounds good to you because most of our customers found them amazing.

Apart from this, we also have lot more benefits to offer but, before that let me tell you that how will your health coverage
starts:

Explain all the waiting periods along with permanent exclusions.

Anything else you would like to ask me about your health plan?

Now let me ask you, do you use any credit card? If Yes

We have a great deal for you Mr X, if you buy this policy for 2/3 years I will provide you additional 10% discount on premium
and no cost EMI as well. It means your premium will be divided into 12 easy instalments and no interest will be charged from
you. Isn’t it great offer?

Mr X now that you doesn’t have any doubts regarding the plan. Let me fill up the proposal form for you and post checking all
the details you may proceed and make the payment.