North Cork Business Alliance. July 17th

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1 North Cork Business Alliance July 17th

2 April Ireland Odhran O Mahony BA QFA APA(Personal General Insurance) Broker Development Manager 2

3 Agenda April Ireland April Group Our Plans Key Benefits Corporate Service Service Standards 3

4 Who are APRIL Ireland? Established in 2003, APRIL Ireland are a leading lifestyle protection specialist. We are part of the APRIL Group - a global insurance brand This strong brand and financial strength has allowed us to continue building on our success and presence in the market. We pride ourselves on providing excellent customer service We have a reputation for upholding some of the toughest service standards in the industry. 4

5 Who are APRIL Ireland? Over the years we have gained a strong reputation for providing effective protection solutions that meet the needs of real customers living in today s world. Our Accident, Sickness & Hospitalisation Plan has helped thousands of customers maintain their lifestyle in times of need Our Medical Cash Plan provides a low cost alternative to expensive health insurance APRIL Ireland are fast becoming a leading name in the industry. 5

6 April Group APRIL Ireland is part of the APRIL Group, a global insurance provider. Formed in 1988 and set out to change the image of insurance by putting the customer at the heart of the organisation. The APRIL Group is valued in excess of 657 million In 2012 claims totalling 191 million were paid out Over 6 million customers worldwide Operating in 37 different countries Consolidated revenues exceeding 803 million 6 April only work with insurers who provide both integrity and strong financial strength

7 7 April Ireland Our Plans

8 Our Plans Accident, Sickness & Hospitalisation Plan Medical Cash Plan Personal Accident Plan Best Doctors 8

9 Accident, Sickness & Hospitalisation Plan The APRIL Ireland Accident, Sickness & Hospitalisation Plan provides you with the peace of mind that if you are unable to work due to an accident or sickness, you will still receive a regular monthly income. Pays you a monthly income if you can t work That s money to pay your bills & mortgage Helps you protect and maintain your lifestyle Offers fantastic value for money The maximum monthly benefit : 60% of your gross monthly income if you are employed 60% of your taxable monthly income if you are self employed. 9

10 Key Benefits Monthly income benefit - providing a monthly cash benefit of up to 3,000 if you can t work due to an accident or sickness. Hospitalisation benefit - providing a daily cash benefit of up to 300 if you become hospitalised due to an accident or sickness. NO medical underwriting - it s quick and easy to apply and obtain cover. No medical questionnaires or examinations required. Transparent pricing - we promise not to increase your premiums due to your age, occupation, state of health or hobbies. Flexible plan with a wide range of deferred and benefit periods: Deferred periods: 14 days, 30 days, 13 weeks, 26 weeks Benefit periods: 12 months, 24 months Cover for non-working partners - we can even cover individuals who do not have earnings 10

11 Medical Cash Plan Cash benefits when you need medical treatment In today s financial climate every penny counts and with the rising cost of household bills and living costs, it can be easy to forget about your healthcare expenses. Whether you need to see a doctor, dentist or are admitted to hospital, it could all cost you money and leave you out of pocket. Our plan provides you and your family with a range of cash benefits so next time you need routine medical treatment, you know that many of your expenses will be covered Great Alternative to Expensive Medical Insurance for families 11

12 Medical Cash Plan Pays cash benefits when you need medical treatment 18 cash benefits - covering a wide range of medical needs, including: dental, optical, GP, Specialist, physiotherapy and hospital admission All CASH benefits paid directly to you tax free Easy to claim - just call us for a claim form No excess to pay when you make a claim FREE Cover for children when an adult is covered 12

13 Personal Accident Plan The April Ireland Personal Accident Plan Fracture benefits and cash lump sums from accidental injury. Our APRIL Ireland Personal Accident Plan provides 21 Fracture benefits + 2 additional cash benefits as well as 18 accidental injury benefits so you are not left out of pocket. Covers injuries from winter sports, rugby, football, GAA No excluded occupations Fracture & serious accident benefits for children 13

14 Personal Accident Plan Option 1: Premier Plan 21 fracture Benefits which pay up to 3, additional cash benefits: Anterior cruciate ligament injury and Burns & permanent scaring. Option 2: Premier Plus Plan Includes all the benefits from the Premier plan Plus a further 18 serious accident benefits. 14

15 Best Doctors An expert second medical opinion service providing access to the world's best medical experts - complimentary for APRIL Ireland policyholders If you were diagnosed with a serious illness or injury - wouldn t you want answers to the following questions? Is my diagnosis correct? Is my medication right for my condition? Is surgery my best option? What is the best treatment? Best Doctors provides access to the world s best medical experts who can review your diagnosis and get you the right answers about your condition and treatment. It s valuable peace of mind to help you make the right medical decisions. 15

16 Best Doctors Best Doctors provides three Valuable Services: 1. INTERCONSULTATION - expert second opinion service 2. FINDBESTDOC - referral service 3. FINDBESTCARE - navigation service 16

17 APRIL Ireland Corporate Services Protecting your Number One asset - your work force Attractive employee benefit packages are becoming a key factor in recruiting and retaining staff in today s competitive marketplace. However, finding benefit programmes that have wide appeal, but do not dramatically increase your costs, can be challenging. With access to a large range of carefully selected insurance plans - we are well placed to provide your employee benefit programme. 17

18 Service Standards Dedicated to making it as easy as possible do business with us Customer Services Standards: Full administration support and customer services provided by our Head Office. Your call will be answered within 3 rings during business hours, so you are not kept waiting. All telephone queries will be resolved on the same day. Where this is not possible, an agreed timescale will be provided. Any letters that you send to us will be acknowledged within 3 working days. When a claim is made and we are the claims handler, it will be assessed and resolved within 4 working days. 18

19 Service Standards New Business Standards: Schedules of Insurance and Certificates of Registration will be dispatched within 4 days from receipt of an application Renewal notices will be dispatched 6 weeks in advance Direct debit rejections will be communicated daily Dedicated Broker Development Manager 19

20 Thank You for your time Questions 20

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