1.

Uno Finance

1.1 WHO ARE WE?

Uno Finance is a Healthcare Financing company. We convert medical bills into easy
EMIs at 0% interest in Delhi-NCR.

Hum Medical bills ko, easy EMIs mein convert karte hain, bina kisi byaaz ke

OUR MISSION: To make healthcare affordable by converting hospital bills in easy

EMIS.

PRODUCT KNOWLEDGE:
 Medical Loan on Hospital bills

 Minimum Processing fee

BENEFITS:
 Easy EMIs

 0% Interest

 Improved CIBIL

 No Collateral

 Minimum Documentation

 All treatments covered

1.2 KNOW YOUR COMPANY:

•Builds contacts with potential clients to create new business

Business Development opportunities
•Empanels New Hospitals and Clinics

•Identifying new sales leads

Sales •Pitching products and/or services
•Maintaining fruitful relationships with existing customers

•Handles Approval of loan

Operations •Responsible for Disbursal of loan

•Process Salary & Incentives

Finance •Handles hospitals payments
•Manages hospitals payment trackers

•Builds & manages leads portal

Tech

1.3 WHY ARE WE HERE?

• More than 70% population is uninsured
• A lot of people cannot afford good quality treatment
• Around 75%treatments are delayed due to financial issues
• Hospitals lose more than 25% of their revenue due to recovery issues
1.4 OUR HOSPITALS

We work with 200+ Hospitals across Delhi NCR

1.5 OUR LENDERS

We work with all Banks & NBFCs in India

1.6 DOCUMENTS:

NAME OF THE INFORMATION REQUIRED DETAILS

DOCUMENTS
Aadhaar Card is a 12-digit unique  Relationship Proof
1. AADHAAR identity number that can be (Son & Father, Wife
CARD
obtained by residents of India, & Husband,
based on their biometric and Daughter & Father)
demographic data.  Address Proof
PAN stand for Permanent Account  Loan taker’s Name
2. PAN CARD Number. The primary objective of  Loan taker’s Father’s
PAN is to use universal identification Name
key to track financial transactions.  Loan taker’s Date of
Birth
CIBIL stands for Credit Information NOTE: Majority of Lenders
3. CIBIL Bureau India Ltd. (CIBIL) is a credit fund to applicants who’s
information company licensed by CIBIL is > 700.
the Reserve Bank of India. CIBIL
collects and maintains records of an
individual's payments pertaining to
loans and credit cards.
NACH is a web based platform to  Bank A/C No.
4. NACH FORM facilitate interbank, high volume,  IFSC Code
electronic transactions for Banks,  Signature
Financial Institutions, Corporate and
Government. It basically functions
like an electronic clearing service
available especially for banks.
A Voter ID, also known as EPIC  Name
5. VOTER ID (Electors Photo Identity Card) is a  Father’s name
photo identity card issued by the  Address
Election Commission of India to all
Indian citizens eligible to vote.
The purpose of voter ID is to serve
as an identity proof for voters,
increase efficiency and prevent
impersonation and fraud during free
and fair democratic elections.
 The Income Tax Return Filling is the  Income
6. ITR-Income process of declaring the total
Tax Returns
income of an individual or a firm to
the Income Tax Department of
India.
Form 16 is essentially a certificate  Income
7. FORM 16 issued by an employer validating the
fact that TDS has been deducted
and deposited with the authorities
on behalf of the employee.
A passport is used to verify one’s  Name
8. PASSPORT country of citizenship. If travelling  Father/Mother’s
outside your country, it is used to name
regain entry into your country of  Address
citizenship.  DOB
Passports include your photo, name,
birth date, gender and physical
characteristics.
Passbook is a book issued by the  Loan Taker's
9. PASSBOOK bank to the account holder which Name
records the amount deposited  Bank Name
in/withdrawn from the respective  Bank Branch
account during a particular period is Address
tracked.  IFSC Code
It is a snapshot of customer’s  Transaction
account in the bank’s book. With (credit, debit and
the help of pass book, banks inform balance)
their customer about the status of
their account.
A bank statement is a printed  Loan Taker's
10.BANK document showing all the money Name
STATEMENT
paid into and taken out of a bank  Bank Name
account.  Bank Branch
Bank statement is usually sent by a Address
bank to a customer at regular  IFSC Code
intervals.  Transaction
(credit, debit and
balance)
 Non CTS Cheque will not be  Bank name
11.CHEQUE considered.  A/c holder name
(CTS/NON
Cheque is an order to a bank to pay  A/c No.
CTS)
a stated sum from the drawer's  IFSC Code
account, written on a specially
printed form.
Security cheque will be blank and
“not more than _________”
(amount in digits) should be written
in the blank space.
In case of Joint Account, signature
of all the account holders will be
required on Cheque and ECS form.
Customer’s name should be same as  Address
12.ELECTRICITY the loan-taker and if customer is
BILL
blood relative of Loan Taker, then
relation proof is also required.
Billing Address on bill should be
same as address inserted in the
lead.
Billing Address must contain house
number, City and PIN Code.
Bill date should not be older than 50
days (Due Date Will not be
considered)
Gas Pipe bill will be considered.  Address
13.IGL (Gas Cylinder Slip Will Not Be
(INDRAPRAST
Considered)
HA GAS
Customer Name should be same as
LIMITED) GAS
the loan taker or blood relative of
PIPELINE
loan-taker.
Billing Address on bill should be
same as address inserted in the
lead.
Billing Address must contain house
number, City and PIN Code.
Bill date should not be older than 50
days (Due Date Will not be
considered)
 Property tax is the annual amount  Address
14.HOUSE TAX paid by a land owner to the local
government or the municipal
corporation of his area.
A driving license is an official  Name
15.DRIVING document issued by the  Father’s name
LICENCE
government of India, permitting an  Address
individual to drive a vehicle on
Indian roads.
This document certifies that the
individual is eligible to drive or ride
motorized vehicles such as a car,
truck, bike, bus, etc., without any
supervision.
Commonly referred to as DL, a
driving license specifies that you
have undergone the required
training and tests and are well-
aware of all the traffic rules and
Regulations.

EXERCISE:
1. From what all documents do we get the address?
2. What all documents are required if a brother is taking loan for sister?
3. What details do we get from a Bank Statement?
4. Why is driving license required?
5. What all documents are required for a businessman to show his income?
1.7 MODE OF PAYMENT:

Mode of Payment Information

NEFT stands for National Electronic
I. NEFT (Takes Funds Transfer; it is a nation-wide
3-4 hours to payment system facilitating one-to-one
credit funds transfer.
amount) Individuals can electronically transfer
funds from any bank branch to any
individual having an account with any
other bank branch in the country
participating in the Scheme.
IMPS stand for Immediate Payment
II. IMPS Service; it is an instant payment inter-
(Instant) bank electronic funds transfer system
in India.
IMPS offer an inter-bank electronic
fund transfer service through mobile
phones.
Unlike NEFT and RTGS, the service is
available 24/7 throughout the year
including bank holidays.
Send or receive money with zero fees,
III. UPI straight from your bank account to
(unofinance@ almost anyone.
icicibank) You can send or receive money 24*7
without any extra charges through
BHIM/ PhonePe/ Google Pay.
Paytm is India’s largest mobile
IV. PAYTM payments and commerce platform. We
help you transfer money instantly to
anyone at zero cost using the Paytm
Wallet.
This money can then be used to pay
seamlessly at several places like taxi
and autos, petrol pumps, grocery
shops, restaurants, coffee shops,
multiplexes, parking, pharmacies,
hospitals and kirana shops among
others.
 Mswipe Machines are machines
V. MSWIPE through which we can swipe
MACHINES debit/credit cards and the get the
payment processed.

How to Make Payment through Paytm?

Step 1: Open Paytm App, tap on pay Step 2: Scan QR Code
How to Make Payment through UPI?
GOOGLE PAY
Step 1: Open Google Pay App, tap on new Step 2: Tap on Bank Transfer

Step 3: Enter the required details

BHIM APP
Step 1: Open BHIM App, tap on new Step 2: Tap on A/c+IFSC

Step 3: Enter required details

1.8 RELATION (Blood Relative)

Father
Grand
Mother
Children

Parental
Daughter Grand
Patient Parents

Real
Son’s
Brother/
Wife
Sister

Wife/
Son
Husband

1.9 PROCESS FLOW:

Simple Four Process to offer easy medical loans
Patient/Relative enquires
about loan at Uno’s Helpdesk Get Approval
LOAN APPLIED 1. Uno gives Authorization
letter (print & email) to the
Hospital gives Bill estimate Hospital
2. Authorized amount gets
deducted from patient's bill

FINAL
DOCUMENTATION

1. Uno gets a copy of Bill

Summary/ Confirmation
Uno Finance or lender pays to letter
the Hospital
2. Hospital recovers
unpaid/adjusted bill

Hospital gets paid Patient gets discharged

1.10 PROCESS:

1.10 SALES FUNNEL:

Enquiries

Leads with documents

Approval

Disbursal
 i. ENQUIRIES

Enquiry matlab patient details milna jaise ki Patient kaa naam, phone number.
Jitne zyada logon ki details milengi aur jitnezyada logon se baat karenge utni
zyada enquiries aaengi aur zyada enquiries aaengi tabhi zyada leads convert
hongi.
Visiting following departments/areas may help you in increasing the enquiries:
a) Billing Department
b) Counseling department
c) Approach
d) TPA department
e) Direct doctor Referral
f) Personal assistant of doctor
g) Hospital referral(recovery case)

NOTE: - Minimum 10 leads per day

ii. LEADS WITH DOCUMENTS

Leads with documents matlab patient ki details aur unke documents

Zyada Qualified leads aaengi (leads with document) tabhi zyada cases approve
honge.
Following points can help you increase the number of Leads with documents
 Uno Finance aapke Medical Bill ko asaan kishton (EMIs) mein convert karta
hai, bina kisi byaaz ke (0%)
 Theek se EMIs re-pay karne par CIBIL score improve hoga

NOTE: - Minimum 4 Qualified leads per day

iii. APPROVAL STAGE

Approval stage mein loan kaa approval milta hai jo Operations team dekhti hai
iv. DISBURSAL STAGE
Disbursal matlab hospital ko payment bhijvana
The following points can help you increase the number of disbursed leads
after they have got approved:
 Get minimum documents before discharge
 Tell the customer about 0%/NO INTEREST SCHEME with minimum
processing fee.
 Tell customer about liquidity problems.
 Tell the customer about market Interest bearing scheme VS our
scheme.
 Tell the customer about credit Interest rate (3% per month).
 Tell the customer about interest Rate from saving account (up to 4%) &
FD (up to 8%)
 Try to give positive updates in timely manner after customer send the
documents
 Always be polite to the customer at every stage and be transparent to
the customer
NOTE: - Minimum 1 Case per day

LEAD CONVERSION PROCESS FLOW:

Inform Ravi/
Convert enquiry to
Punch enquiry on Pooja/ Himani (15
Enquiry lead with
portal mints) to punch
documents
lead

Remind them
After 1 hour call
Then call TL (if again after half an
TL will call Nickson Nickson (only if it
required) hour (only if
is not done)
required)

After 5 hrs, SA will

After 3 hours take
If still not done call TL will speak to call soumya sir
update from
TL again Nickson again directly (if still not
Nickson
done)
How to use Portal?
Step 1: Login portal using http://data.unofin.in

Enter Email-ID & Password

Step 2: To create Enquiry – Tap on “create lead”

Step 3: Fill the required fields

Page 1- Basic Information Page 2- Address Details

Page 3- Job Details Page 4- Reference Details

Page 5- KYC Documents Page 6- Additional Details

Step 4: To add remarks:

Select the lead you need to add a remark to, then click remarks
Step 5: To Edit some information or to add more documents

Select the lead you need to edit or add document to, then click EDIT
EXERCISE:

Create Lead with following details:

Full Name: Shyam Sharma Mother’s Name: Rita sharma

Mobile No: – 8876543209 Patient’s Name: Sonia Sharma

Customer Type: Will get admitted next week

Bed Type: General Ward Admission Date: dd/mm/yyyy

Discharge Date: dd/mm/yyyy Consultation Date: dd/mm/yyyy

Email ID: abcd@gmail.com Hospital Name: test hospital

Treatment Name: Heart Surgery Medical bill estimate: 500000

Address: 465, gali no. 7, Adarsh Colony, New Delhi-110068(Owned)

Working as executive in XYZ Pvt. Ltd. (Salary-35000)

Office Address: 56, Green park, New Delhi- 110098

Landmark: near Post Office

References: Add 2 references on your own

Upload Documents
Lender’s Name Key points
Tata Capital  Quick Approval
 Minimal Documentation
 Self-employed cases can be approved
without GST certification and without
ITR
Zest Money  Can get the CIBIL score (if cibil is bad) in
just 10 minutes.
 Can approve the loan starting from
5,000.
 No verification in zest money
Loan Tap  Quick approval in 30 minutes if we can
provide the complete details in 1 flow.
 Can approve the loan amount up to 10
lakh in 1-2 day.
 Can finance the whole medical bill
amount.
TATA CAPITAL
DOCUMENTS REQUIRED:

1. Clear Aadhaar Card Photo (Front + Back)

At the 2. Clear PAN Card Photo
time of 3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/ Rent
lead login Agreement/ Registry Papers(No Power of Attorney) Photo
4. Clear Employee ID card/visiting card Photo/ITR(for businessman)
5. Clear Live Photo

PROCESS:

Wait for the Result

OTP will get Ask for OTP from
Punch lead on (Approved/
generated for loan taker and give
portal Disapproved/
Mobile Verification it to Himani/ Pooja
Hunter)

Nickson wil check Get all the other

Submit completed If loan is approved
the file and will necessary
file with all the then ask for hard
issue Medical documents signed
documents copy of documents
Delivery Order. by loan taker

1. Original Aadhaar Card Photocopy

After
Approval 2. Original PAN Card Photocopy

(Hard Copy) 3. Original Electricity bill/Water supply bill/ IGL Gas pipeline/ Rent
Agreement/ Registry Papers(No Power of Attorney) Photocopy
4. Original Employee ID card/visiting card Photocopy

5. Complete file with signatures (at required places)

DO YOU KNOW?
Bank Statement contains following details:

Bank's
Opening/ Name Unmasked
Closing A/C No.
balance

Credit/ BANK A/C

Debit STATEMENT Holder's
transactions Name

Branch IFSC/ MICR

Address Code

Things you should know:

TATA CAPITAL ZEST MONEY JOHAL AU

• Age: 21-59 • Age: 21-59 • Age: 21-59 • Age: 21-59

(Salaried) (Salaried) (Salaried) (Salaried)
• Age: 21-64 • Age: 21-64 • Age: 21-64 • Age: 21-64
(Self- (Self- (Self- (Self-
Employed) Employed) Employed) Employed)
• Loan • Loan • Loan • Loan
Amount: Amount: Amount: Amount:
10,000- 5,000- 10,000- 10,000-
10,00,000 1,50,000 2,00,000 3,00,000
• Area: • Area: PAN • Area: • Area:
Delhi/NCR India Delhi/NCR Delhi/NCR
JOHAL
DOCUMENTS REQUIRED:

1. Clear Aadhaar Card Photo (Front + Back)

At the 2. Clear PAN Card Photo
time of 3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/ Rent
Agreement/ Registry Papers(No Power of Attorney) Photo
lead login 4. Last 6 months bank statement(Salary/Current A/c)
5. Last 2 year ITR(for self employed)
6. Clear Live Photo

PROCESS:
If loan is approved then Get all the other
Punch lead on portal ask for hard copy of necessary documents
documents signed by loan taker

Then johal will do

Telephonic Final Submit completed file
Verification(TVR) Approval/Rejection with all the documents

Approval/ Rejection/ Then Johal will get Nickson wil check the
Conditional House Verification done file and will issue
Medical Delivery Order

1. Original Aadhaar Card photo copy

After
2. Original PAN Card photo copy
Approval 3. Original Electricity bill/Water supply bill/ IGL Gas pipeline/ Rent
(Hard Copy) Agreement/ Registry Papers(No Power of Attorney) photo copy
4. Last 6 months bank statement(Salary/Current A/C) print out
5. Last 2 year ITR (for self employed)
6. Complete file with signatures (at required places)
ZEST MONEY
DOCUMENTS REQUIRED:

1. Clear Aadhaar Card Photo (Front + Back)

At the
2. Clear Pan Card Photo
time of 3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/ Registry
lead Papers (No Power of Attorney) Photo
4. Clear Live Photo
login 5. GST Certificate(For self employed)
6. ITR/Computation sheet is required
7. Clear Live Photo

PROCESS:
Then operations
Customer will
team will login
receive a link
through that link
through message or If CIBIL is not good,
and the customer
Punch lead on portal an email and they it will lead to instant
will get an OTP and
will forward the rejection
they will forward it
same to operations
to the operations
team
team

SA will get NACH

Nickson wil check Submit the
Form/ Loan If loan is approved,
the file and will complete file with
Agreement/ other then NACH Form will
issue Medical all the documents to
reuired documents get generated
Delivery Order. operations team
signed

Note:-

 Only net banking statement or printed statement from bank with stamp is
allowed
 No passbook scanned copy is allowed in Zest Money. We can also process the
application in zest money without salary slip.
 1. Clear Aadhaar Card Photocopy(Front + Back)
After
2. Clear Pan Card Photocopy
Approval
3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/
Registry Papers (No Power of Attorney) Photocopy
(Hard Copy) 4. GST Certificate(For self employed)
5. ITR/Computation sheet is required
6. Complete file with signatures (at required places)

Address proof must have the followings:

 Current address proof so address proof should be from last 50 days

House No./
Building No./
Flat No./
Khasra No.

Area/
Landmark
Locality

ADDRESS
PROOF

Pin code City

State
AU
DOCUMENTS REQUIRED:

1. Clear Aadhaar Card Photo (Front + Back)

At the
2. Clear Pan Card Photo
time of
3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/ Registry
lead Papers (No Power of Attorney) Photo
login 4. Bank Statement

5. Medical Treatment details

6. Clear Live Photo

PROCESS:

SA will get NACH Form/

Punch Lead on Portal
After getting the
Loan Agreement/ other
approval NACH form
reuired documents
will get generated
signed

If TVR, CIBIL and Submit the complete

Then AU will do
physical verification file with all the
Telephonic Verification
report is positive then documents to
(TVR)
AU will give approval operations team

If the loan amount is

If the loan amount is
less than 90,000 and Nickson wil check the
more than 90,000 then
TVR and CIBIL is good file and will issue
AU will get physical
to go then AU will give Medical Delivery Order.
verification done.
approval
 1. Clear Aadhaar Card Photocopy (Front + Back)
After
2. Clear Pan Card Photocopy
Approval 3. Clear Electricity bill/Water supply bill/ IGL Gas pipeline/ Registry
(Hard Papers ( No power of attorney) Photocopy
4. Bank Statement
Copy)
5. Medical Treatment details
6. Complete file with signatures (at required places)

Note:-

 AU directly pays to hospital.

KNOW YOUR CUSTOMER:

Payment
Mode

Present Future

Enquiry
Cash Insurance
Only

TPA Reimburs Under

Needy Rich
Rejected ement Insured

Partly Partly
Unpaid Unpaid
Paid Paid
 Hospitalization
Stage

Admission
Investigation Pharmacy Discharge
(Day 0)

Types of
Treatment

Others(IVF,
Life Saving Cosmetic)

Emergency Planned Planned

KNOW YOUR HOSPITAL:

Size

Small Large

With Without With Without

Bed Bed Bed Bed

Normal Normal
ICU Beds ICU Beds
Beds Beds
 Type of Support

Joint Marketing
Branding Referrals Bill Inflate Sales Agent
Activity

Exclusive List Camps In house work

Non Exclusive Active Selling Seminars

Direct Referral News papers

KNOW YOUR SOURCES:

Sourcing

Billing Counseling Active

Approach TPA Doctor Branding
Dept. Dept. Selling

Current Future
Waiting
patient's Patient's Doctor's PA Kiosk
Area
list list

planned
Canteen Helpline
Treatment

Wards/
Pamphlet
OPD's
PRODUCTS/SCHEMES:
Scheme calculation and example (will do an example)

• 4/1
• 9/3
• 12/4
• 18/6
• 24/6

Scheme selling

 4/1

In this scheme

Interest -: 0%

Processing Fee –: 0%

Generally reimbursement patient and those who are earning good salary can take
this scheme.

 9/3

This is the best scheme to sell, we only charge 2-3% processing fee in this
scheme, with Longer tenure as compared to 4/1 scheme.

Interest -: 0%

Processing Fee –: 2-3%

Practically we charge 2000-3000 on medical bill of 1 lakh with flat 0% interest

rate. Patient can easily pay this amount and can avail the scheme

In market it cost 8000-10000 on 1 lakh amount and we are just charging 1/the of
this amount.
  12/4

This scheme is suitable for everyone.

In this scheme we only charge 4-5% processing fee.

Interest -: 0%

Processing Fee –: 4-5%

 18/6

Generally when the medical bill is higher and the FOIR doesn’t match with the
customer profile, we’ll go for this scheme.

Customer who requires 1 lakh – 3 lakh with salary range of 20,000 – 50,000 will
take this scheme and can easily pay the 5-6% processing fee.

Interest -: 0%

Processing Fee –: 6-7%

 27/9

Generally, needy patient comes under this category, who are actually in need of
money to pay the medical bill, and they will pay the small amount of interest with
processing fee. In long time period of 18 months.

Generally in this scheme

Interest -: 4-6%

Processing Fee –: 3-5%

In This scheme we charge 8-10% of total medical bill, which is just half of what
companies’ charge in markets

In Market Other Companies charges

Interest -: 14-18%
Processing Fee –: 3-5%

Uno Charging

Interest -: 4-6%

Processing Fee –: 3-5%

SCHEME CALCULATION:

Schemes 4/1 9/3 12/4 18/6 27/9

No. of
1 3 4 6 9
Advance EMIs
No. of Balance
3 6 8 12 18
EMIs
Processing Fee 0% 2% 3% 5% 8%

Bill Amount 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

EMI Amount 25,000 11,112 8,334 5,556 3,704

Processing
0 2,000 3,000 5,000 8,000
Fee(Amount)
EMI Amount 25,000 33,336 33,334 33,334 33,334
Total Amount 25,000 35,336 36,334 38,334 42,334

• To Increase the loan amount we need:

 ITR for self-Employed

 Form 16 for salaried

 3 months banking statement

 Estimated Medical bill

 For Medical Delivery Order, we need

1. Patient’s Name 2. Patient’s IPID

3. Treatment Name 4. Doctor’s Name
5. Admission Date 6. Discharge Date
7. Final Medical Bill 8. Loan Taker’s Name

Take Signature and Stamp of Hospital and Patient on Medical Delivery Order

Get 3 Copies of Medical Delivery Order

One for Hospital, One Copy for Customer and One for Uno Finance

Daily Routine/Way of Working

Hospitals Category I (Gets the list and visits only 1 hospital everyday)
9:30 to 10:00am Mark your attendance & give a Reporting Call to your TL to update
about:
•Target for the day
•Pending cases
•Any requirement/assistance needed
10:00 to 10:30am Ask for the list from the concerned person /department
10:30 to 11:30am Call all the cash patients first and book appointments (prefer in-
person meetings)
11:30 to 12:30pm Then call other patients and book appointments
12:30 to 2:00pm Visit OPD – Meet Doctor PAs, counselors for cases (do meetings
alongside)
2:00 to 3:30pm Visit wards and other areas and give a Catch up Call to your TL to
update about your day’s progress (discuss progress, action items and
issues)
3:30 to 5:00pm Follow ups (do meetings alongside)
5:00 to 6:00pm Visit ICU waiting area/ meet hospital staff over evening tea
6:00 to 6:30pm Punch remaining enquiries and give a Update Call to your TL to
discuss about your day’s achievements & problems
 Hospitals Category II (Gets the list in some hospitals and visits multiple hospital)
9:30 to 10:00am Mark your attendance & give a Reporting Call to your TL to update
about:
•Hospitals you are visiting and why
•Hospitals you are not visiting and why
•Target for the day
•Pending cases
•Any requirement/assistance needed
10:00 to 10:30am Ask for the list from the concerned person /department
10:30 to 12:30pm Call all the cash patients first, followed by other patients and book
appointments
12:30 to 2:00pm Visit OPD/ ICU waiting area/ Counseling dept./ Billing dept./ TPA
dept. (approach patients/attendants, doctor/doctor’s PA,
receptionist) and do meetings
2:00 to 4:00pm Visit 2nd hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. (approach patients/attendants, doctor/doctor’s
PA, receptionist) and do meetings & give a Catch up Call to your TL
to update about your day’s progress
4:00 to 6:00pm Visit 3rd hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. (approach patients/attendants, doctor/doctor’s
PA, receptionist) and do meetings
6:00 to 6:30pm Punch remaining enquiries and give a Update Call to your TL to
discuss about your day’s achievements & problems

NOTE:-
* Punch enquiries time to time (Do Not Leave for Day End)
* Must visit all hospitals – No work on calls (for case calls – visit immediately,
inform time to arrival)
 Hospitals Category III (No list is available and visits multiple hospitals)
9:30 to 10:00am Mark your attendance & give a Reporting Call to your TL to update
about:
•Hospitals you are visiting and why
•Hospitals you are not visiting and why
•Target for the day
•Pending cases
•Any requirement/assistance needed
10:00 to 12:00pm Visit 1st hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. and approach patients/attendants,
doctor/doctor’s PA, receptionist) and do meetings
12:00 to 2:00pm Visit 2nd hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. and approach patients/attendants, doctor/doctor’s
PA, receptionist) and do meetings
2:00 to 4:00pm Visit 3rd hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. and approach patients/attendants, doctor/doctor’s
PA, receptionist) and do meetings
& give a Catch up Call to your TL to update about your day’s
progress
4:00 to 6:00pm Visit 4th hospital (OPD/ ICU waiting area/ Counseling dept./ Billing
dept./ TPA dept. and approach patients/attendants, doctor/doctor’s
PA, receptionist) and do meetings
6:00 to 6:30pm Punch remaining enquiries and give a Update Call to your TL to
discuss about your day’s achievements and problems
HOW TO MARK ATTENDANCE ON DINGTALK?

Step 1: Open DingTalk App, tap on work Step 2: Tap on attendance

Step 3: Tap on clock-in (After reaching hospital)

Tap on clock-out (Before leaving hospital)

 SALES PITCH (FAQs)
Customer: Uno Finance Kya Hai?

Sales Agent: (Greetings) Sir/Mam, mera naam ________ hai, Uno Finance aapke
Medical Bill ko asaan kishton (EMIs) mein convert kar deti hai, bina kisi byaaj ke.

Customer: Aap Ye Kaise Karte Hai?

Sales Agent: Sir/Mam, agar aapka Medical Bill 1 lakh kabana, to Aapko 1 Lakh hi
vapis karna hai kishton mein aur iske upar koi byaaj nhi dena aapko, matlab 0% EMIs.

Customer: Aap ye kyu kar rahe hai/ Iss mein aapkakyafayda hai?

Sales Agent: Sir/Mam, ye Hospital ki scheme hai, yahan hum hospital ki taraf se
customer ki help karne ke liye hai, hum Customer ka Financial burden dur karte hai.
Hum keval 2 Ghante mein minimum documentation ke saath Hospital mein aapka
bill pay kar dete hai. Uske baad aap patient ko discharge kara ke ghar le jaiye. Next
month se aasaan kishton mein paise vapis karte rahiye jispe koi byaaj nahi lagega

Customer: Medical bill approval se kamm aaya toh?

Sales Agent: Sir/Mam kuch banks utna hi loan amount dete hain jitney kaa bill aata
hai aur baaki cases mein re-apply karna padhta hai approval ke liye.

Customer: Down payment nahi de sakte toh waisi koi scheme hai?

Sales Agent: Sir/Mam humaare paas zero down payment waali schemes bhi hain aap
woh dekh sakte hain.

Hospital Staff: Humaara kya benefit hai?

Sales Agent:

Whom to contact in case of following issues:

1. Hospital related issues – Contact Team Leader(they will talk to BD Team)

2. Salary/Incentive related issues – Contact Rimpy/Akhilesh (Finance Team)
3. Payments post disbursal – Contact Rimpy and Akhilesh (Finance Team)
4. Lead related issues – Contact Ravi/ Himani/ Pooja/ Nickson (Operations Team)
DO’s:

i. Reach hospital on time every day.

ii. Wear formals and ID card daily.
iii. Mark your attendance daily on DingTalk just after reaching the hospital.
iv. Check marketing collaterals (like standee, tabletops, pamphlets) daily.
v. Greet everyone in the hospital.
vi. Punch all the leads before leaving the hospital.
vii. Send exact summary on sales group every day.
viii. Post remarks daily on group.
ix. Take permission of TL before taking leave.
x. In case of any emergency, inform you TL before 7am.
xi. Go and meet doctors on every Tuesday, tell them about all the schemes
and collect their visiting cards.
xii. Talk to everyone politely including customers, hospital staff and doctors.
xiii. Always carry your visiting card.
xiv. Talk to your TL in case of any inconvenience.

DON’Ts:

I. Don’t tell hospital staff about your monthly targets, achievements and
incentives.
II. Don’t reach to hospital’s higher management on your own.
III. Don’t send any personal/forwarded message on sales group.
IV. Don’t commit to anyone before approval.
V. Don’t ask for Delivery Order without scanning all the documents.
VI. Down-payment given earlier will not be considered. (Jo hospital ko
payment ho gayi hai use down payment mein consider nahi karna hai)
VII. Don’t try to get done payments refund. (Jo hospital ko payment ho gayi hai
use refund karwa ke loan nahi dena hai)
 TEST:
i. List all the documents which can give the relationship proof of husband &
wife?
ii. What is the age criterion for taking loan?
iii. List the benefits we provide to consumers.
iv. What are the documents required to increase the loan amount?
v. What are the necessary details required to fill any address?
vi. Mention sources which can help you increase leads.
vii. What type of support can we get from hospitals?
viii. What are the necessary details required for medical delivery order?
ix. What is the processing fee in below schemes?
a) 18/6 c) 12/4
b) 4/1 d) 9/3
x. Rent agreement should be older than how many days/months/years?
xi. What will you do if banking signature is different from PAN card signature?
xii. What is the full form of PAN and ITR?
xiii. List the modes of payments.
xiv. If Loan taker is Daughter-in-law and patient is Father-in-law, then mention all
the necessary documents required to proof their relation and also draw flow
chart to demonstrate the same.
xv. What should be age criterion for:
a) Salaried
b) Self Employed
xvi. Electricity bill should not be more than how many days?
xvii. Which form should be signed if banking signature is different from Pan
Signature?
xviii. What are the details required for reference?
xix. List the things SA is not supposed to do.
xx. Which of the following documents contain residential address?
a) Aadhaar Card c) Passport
b) Driving License d) Voter ID
xxi. Which of the following documents is not residential address proof?
a) Water Supply Bill c) Power of Attorney
b) Cylinder slip d) House Tax Bill
 xxii. Which of the following is not valid KYC document?
a) Aadhaar Card c) Passport
b) Driving License d) Voter ID
xxiii. For how long is the rent agreement valid?
a) 10 months c) 11 months
b) 12 months d) 15 months
xxiv. Which of the following documents does contain mother’s name?
a) Aadhaar Card c) Passport
b) Driving License d) Voter ID
xxv. Which of the following can’t apply for loan?

a) Sister c) Cousin brother

b) Son-in-law d) Daughter-in-law

e) Maternal Grandparents

xxvi. Choose the valid reference pair from following:

a) Brother c) Friend

b) Father d) Mother

xxvii. Calculate the following:

S. No. Loan Scheme EMI Processing Total Balance Balance

Amount Amount Fees Upfront EMIs (No. Amount
of EMIs)
1 500000 18/6
2 75000 6 months
(0 Down
Payment)
3 225000 4/1
4 95000 3 months
(0 Down
Payment)
5 350000 9/3
City hospital (Meenu)

They mention only age and name of OPD Patients. (No numbers are provided)

Mata Chanan Devi (Manish)

List issue

Non-exclusive branding

Ayushmaan Hospital (Harkirat)

Paid cases

Not allowed to approach customers