Group Health Insurance. We take smarter care of your risk So you can take better care of your finances.

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1 Group Health Insurance We take smarter care of your risk So you can take better care of your finances.

2 Welcome to Investacc. We all want to live longer, healthier, happier lives. Investacc has a range of health covers from different insurance companies designed to help find a healthier you. Investacc Insurance Brokers is one of the leading insurance service providers dedicated to assist you to have an adequate insurance program for your assets and liabilities. We are one of the fastest growing broking houses in India providing a one-stop solution for a wide range of services like Best Tailor Made Insurance Solutions, Claims Management, Insurance Audit and Renewal Reviews. Capitalising on the expertise that we possess, we ensure a flexible and an innovative way of doing business with our clients promising them utmost satisfaction with our services. We seek to provide the peace of mind for our clients through high quality insurance products, backed with exceptional service of our staff. Why Investacc? A partnership providing the expertise you need. The coverage knowledge you want- We provide you with a team of specialists that are able to meet the specific and rapidly changing needs. We ensure that the most comprehensive and cost-effective solutions are always in place. Smarter experts deliver smarter solutions- We work with our strategic partners to ensure a seamless integration of their services for you. Client satisfaction drives our success- We know that our success depends upon how we respond to your inquiries and resolve your questions and concerns. We take pride in our product knowledge, professionalism and courtesy. Tailored solutions are successful solutions- Investacc focuses on de-risking the unknown and unforeseen risks faced by their clients and adding value to all its stakeholders, including clients, employees and regulators. Investacc follows a sector specific approach by having dedicated teams catering to different sectors.

3 Welcome to Investacc Corporate Benefits If corporate employee benefits are a cost for businesses, why do most successful companies offer them as an integral part of their employee package? It s a good question and the answer is that an appealing benefits package offers tangible advantages to employers. These include: * Increased productivity due to improvements in staff contentment and wellbeing. * An advantage over competitors when it comes to recruiting higher quality personnel. * Increased staff retention levels and a corresponding reduction in recruitment and training costs. They also simply make for happier more loyal employees who feel their company is looking after their interests. However, Investacc understands that businesses need to control the cost of benefits provided to their staff so that they enhance rather than threaten profitability. It can be a delicate balance that we specialise in getting right so that we can deliver benefit solutions for both the employer and their staff. Every business is different so when it comes to benefit packages we do not provide copy and paste solutions. We operate across India and work with businesses of all types and sizes. We understand that companies requirements can change from business to business. That s why we have no preconceived plan or standard set benefits package, but tailor every solution to the individual needs of each business or business unit. We are also able to offer businesses choice. As one of the leading independent brokers in India, we have access to the entire Indian marketplace, meaning the companies we serve are not limited in their choice of product provider. Whether your business is looking for group life insurance, medical cover or establishing a pension scheme, we have access to a vast array of national recognised providers (both PSU s & Private). This also helps our clients when it comes to pricing. Our freedom to look at every provider and our long standing relationships within the industry means we are always able to negotiate the best deal on your behalf. We understand the need to manage costs and guarantee to find the most cost effective solutions for your business. We can also assist with cost control by creating, where necessary, cost containment measures to ensure that your premiums do not escalate on a yearly basis. These measures will help your business to save money and allow your finance department to budget effectively every year. Providing group benefit plans can sometimes be complicated. At Investacc, we are experienced in untangling the complexities and providing straightforward, flexible and portable solutions that will meet the needs of your business. To explore how Investacc Corporate Benefits can help your business, get in touch today.

4 Investacc s Service Pledge Investacc is dedicated to providing the highest standards of customer care in the employee benefits industry. Our relationship doesn t end at finding the right product; it is the point where it begins. Our service pledge includes: Pre-Policy Placement Advisory Services Benefit Objectives and Goals Setting Financial forecasting of Costs and Scenarios Benefit Plan Funding Approach and Employee Contribution Strategies Process Review and optimisation Our Capabilities Plan evaluation and benefits design recommendations Underwriting analysis of claims experience Develop and implement RFQ with a timeline of events Structured quote comparisons with qualitative inputs Insurance Carrier and TPA selection Post policy issuance services Post-Policy Placement Administration Services Structured Annual Service Calendar Periodic Insurer/TPA review meetings Negotiate and monitor vendor performance standards Manage annual online enrolment process Support negotiations on disputed claims Help desk services Maintaining of records ( policies, data, CD Statement & help desk reports) Post-Policy Communication & Coordination Services Plan announcement letters and presentation support Develop Benefit Manuals and HR Benefit Summaries Conduct employee briefing sessions Post-Policy Consulting and MIS Reports Annual Health and Benefits Trends Survey report Monthly Claims MIS report Quarterly Claims Review with Cost Benchmarking report Flexible Reporting / Analysis as required At Investacc, we place the highest importance on long term relationships and providing excellent client care so you can be assured that whenever you need us, we will be there.

5 Value added services offered 1. Hotline number will be given exclusive for Investacc customers and additional mobile numbers will be shared for any other queries/claims support for Employee s & Their Relative's Personal Health/Retail Policies. 2. Wellness programs will be conducted - location wise &/or discount/offer coupons will be shared. Wellness Calendar can be finalised/prepared for smooth coordination with various agencies & for better turnout of employee s as the same can be announced/marketed in advance. 3. Qualified Doctor Visit can be arranged in case of any Major Ailment Claim for proper guidance & 2nd opinion. 4. Fixing of Appointment with Major Doctors in an around Mumbai for Senior Staff/Personnel. 5. Daily Health TIP to all Employee s for Awareness & Monthly News Letter. (An Initiative of Investacc). 6. Top Up & Voluntary benefit program design and implementation including Special Schemes with Special Discounts for Retail/Individual Family Plans for Employee s & Their Relatives. We will promote this during each activity conducted by Investacc & in turn it would lessen the burden of Corporate as employees would be sharing the burden of claims in case they utilise their Family Sum Insured from the Group Mediclaim policy. 7. Employee Assistance Programs 8. Expatriate benefits 9. Family Health Assistance Service (Counselling). 10. Health check on discounted rates available in all reputed diagnostic centre and Hospitals. 11. HRM online module for addition and deletion or any requirement can be made available as per requirement for Group Mediclaim. 12. Photo Upload option is available for E cards. 13. Scan Documents will be available on web portal. 14. Posters with claim procedure and policy terms in regional languages. 15. Emergency Blood Bank contact numbers. 16. Arrangement of ambulance emergency numbers for location required as per requirement. 17. Pharmacy Discount at your tip and get it delivered at your office or residence. 18. Interpretation of your existing health policies. 19. Benchmarking of your current health insurance requirement.

6 Changing my insurance cover (Portability of Health Insurance Policy) You can apply to increase, reduce or cancel your insurance cover if you would like. For assistance with your insurance options, simply call us on or *Note: Portability Guidelines of IRDAI will be applicable. Investacc Insurance Brokers Pvt Ltd Registered Office: A-2, 303, Jagdamba Complex, Off Malad Link Rd, Near Movie Time Cinema, Malad (West), Mumbai: Registered in India Corporate Identification NoU93030MH2013PTC IRDAI License No 488 Valid From 05 th May 2014 to 4 th May 2017 Member of Insurance Brokers Association of India Membership No 401. Insurance is the Subject Matter of Solicitation DID YOU KNOW? We can help with ALL of your insurance and Risk Management requirements, which may include: Major Products: - Standard Fire & Allied perils - Loss of Profit - Energy & Infrastructure risk - Engineering & Construction incl ALOP - All types of Transit risks - All Types of Misc Insurance - Directors & Officers Liability - Professional Indemnity - Commercial General Liability - Product insurance & Product Recall - Credit & Political Risk - Commercial crime & Cyber Liabilities - Event & Related Insurance incl weather risk - Terrorism Insurance - Term Life & EDIL Insurance - Healthcare & Accidental Insurance - Kidnap & Ransom - Gratuity & Pension Management - Motor Fleet Corporate Fleet & Individual - Extended Warranty - Travel Group & Individual - High Net Worth Specialised Cover - Home Insurance - Keyman Insurance & Motor Trade Complimentary Advisory Services - Health & Safety Advice - Human resource related advise -Property re-build valuation advice - Risk Management Advice For more information on how we can help you protect you and your family Please contact us on or info@investacc.co.in. Follow us on: Facebook.com Twitter.com Google+.com Linkedin.com Copyright Investacc Insurance Brokers Pvt. Limited. Written and published by Investacc Insurance Brokers Pvt. Ltd. This work is copyright and confidential. Other than as permitted by law, no part of it may in any form or by any means be reproduced, stored or transmitted without permission of the copyright owner, Investacc Insurance Brokers Pvt. Ltd. Disclaimer This publication and any recommendations/services offered in it are based on certain observations made by us and/or from information supplied to us from sources, which Investacc believes it is entitled to assume, are reliable. The benefits mentioned in the publication are offered on case to case basis in coordination with Insurer & Third party administrator (TPA). Investacc is only the facilitator for offering the benefits mentioned in this publication. It is not, and is not intended to be, exhaustive or conclusive, covering every hazard or risk potential, nor to guarantee compliance with any statute or regulation. It is offered to assist you in your assessment and/or management of risk. Investacc shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any matter contained herein.

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