Business Investment Guidance - April’ 2018

Branch Channel Business Group

 

Strictly Confidential. For Team Members’ use only. 1

Index

Topic Page No.

Financial Assessment Solution Suggestions 3

(Goal Based )

Solution FAQs 4 - 10

New NFO's in April'2018 11 - 12

General Insurance 13 - 29

Fixed Income 30 - 33

Strictly Confidential. For Team Members’ use only. 2

 360o Financial Assessment Solution Suggestions
Life Insurance General Fixed Mutual Funds
Insurance Income
Child Education/ Marriage Planning
Traditional Product:
Aditya Birla Income Assured 2017 / Aditya Birla Large Cap
Health Insurance
Guaranteed Milestone Plan / TATA AIA Gold Company FD Aditya Birla SL Frontline Equity Fund / ICICI Pru Bluechip Equity Fund (formerly
Income Plan / HDFC Life Youngstar Udaan CIGNA Critical Illness Shriram ICICI Pru Focused Bluechip Equity Fund) / SBI Bluechip Fund
ULIP Plan Religare JOY/
National Insurance Tailor Transport Tax Savings - ELSS Funds
I Pru Smart Life
Made/ L&T Medisure Finance Co Ltd Axis LT Equity Fund / Franklin India Taxshield Fund / IDFC Tax Advt (ELSS)
Retirement Super Top Up Insurance / (UNNATI) / Fund / Motilal Oswal Long Term Equity Fund
Traditional Product: Max Bupa - Heart Beat Shriram City Dynamic Asset Allocation Funds
Aditya Birla Vision Life Income / Aditya Birla Secure Family First,Health Union Finance FT India Dynamic PE Ratio FOFs / Invesco India Dynamic Equity Fund / Motilal
Plus / TATA AIA Gold Income Plan /TATA AIA Companion/Apollo Oswal Dynamic Fund (formerly MOSt Focused Dynamic Equity Fund) / ICICI Pru
Munich-Easy Co Ltd
Maha Life Gold / ICICI My Pension Fund / HDFC Balanced Advantage Fund
Personal Pension Plus Health,Optima (SIDDHI) /
ULIP Plus,Optima Restore, Mahindra & Multi Cap Funds (also known as Flexi Cap funds)
Birla Wealth Secure Cigna TTK Pro Health Mahindra Axis Focused 25 Fund / Kotak Select Focus Fund / Motilal Oswal MultiCap 35
Plan / SBI -Arogya Finance Serv Fund (formerly MOSt Focused Multicap 35 Fund) / SBI Magnum Multicap Fund
Risk Cover Premier Plan / Aditya Mid Cap Funds
Birla Health - Active Ltd / Dewan
Offline Term Plan HDFC Mid-Cap Opportunities Fund / L&T Midcap Fund
ICICI iProtect Smart / KOTAK Life e-Term / TATA Health Essential & Housing Fin.
Corp. Ltd / PNB Credit Risk
Sampooran Suraksha Enhanced (with & without
Online term Plan cronical illness) / Aditya Housing ICICI Pru Credit Risk Fund (formerly ICICI Pru Regular Savings Fund) / Kotak
IDBI iSurance Flexi Term / HDFC Click 2 Protect Birla Health – Diamond Finance Ltd / Income Opportunities Fund / Reliance Regular Savings Debt Fund / UTI Credit
Plus 3D / Birla Protect@ease (Active Assure) / Apollo LIC Housing Risk Fund (formerly UTI Income Opportunities Fund) / Aditya Birla SL Corp Bond
Term Plan with Health Option Munich - Energy Gold & Finance Ltd / Fund / Franklin India Corporate Debt Fund (formerly Franklin India Corporate
I Pru iProtect Smart Silver (Gold includes the Bond Opportunities Fund)
cost of wellness test HDFC Ltd /
TROP Plan Debt - Short Duration
Exide Smart Term Plan / ICICI Super Protect whereas Silver excludes Bajaj Finance
the cost of Wellness test) Ltd / KTDFC Franklin India ST Income Plan
Solution / TATA AIA Sampooran Suraksha Plus
/ Liberty Videocon - Ltd. Value Funds
Second Income Health Connect Supra ICICI Pru Value Discovery Fund / L&T India Value Fund / UTI Opportunities Fund
Traditional Products ( Top up & Super Top Up) (earlier classified under Large Cap Funds category)
Aditya Birla Vision Life Income / Aditya Birla Secure Conservative Hybrid Funds (also known as Monthly Income Plans)
Plus / Bajaj Allianz Income Assure / Kotak Premier ICICI Prudential Regular Savings Fund (formerly ICICI Prudential MIP 25) /
Income / TATA Smart Income Plus / TATA AIA Motor Insurance
Gold Income / HDFC Super Income Future Generalli,Reliance Reliance MIP
General Insurance,Tata – Equity Saving Funds
Wealth Creation AIG, HDFC Equity Savings Fund / Kotak Equity Savings Fund / Reliance Equity
Traditional Products Savings Fund
I Pru Future Perfect/ I Pru Cash Advantage / I Pru Arbitrage Funds
Saving Suraksha / TATA AIA Gold Income Plan / Travel Insurance
Future Generalli / Tata ICICI Pru Equity – Arbitrage Fund / Kotak Equity Arbitrage Fund
Kotak Classic Endowment / Kotak Assured Saving
Plan / Exide Life Assured Gain Plus AIG / Bajaj Allianz Thematic Funds
Aditya Birla SL India GenNext Fund / Sundaram Rural India Fund
Wealth Creation - ULIP Aggressive Hybrid Funds (also known as Balanced Funds)
Personal Accident
Single Premium ULIP HDFC Balanced Fund / Reliance Equity Hybrid Fund (formerly Reliance Regular
IDBI Wealthsurance Growth Insurance – SP / Future Generalli & TATA
AIG
Savings Balanced Fund)
Kotak Single Invest Plus
Regular Pay ULIP
Aditya Birla Wealth Secure / Bajaj Allianz Future Others Insurance
Wealth Gain / ICICI Life Time Classic / Exide Life
Wealth Maxima / Kotak Life Platinuum Home insurance

Strictly Confidential. For Team Members’ use only. 3

 Solutions bifurcation in accordance with clients' goals & time horizon
GOAL SOLUTIONS
Time Horizon
Suitable Goals Type of Product Solution
0 – 5 yrs 5 – 10 yrs 10 – 15 yrs 15 plus yrs
Aditya Birla Income Assured 2017 N N Y Y
Goal Solution – Life Insurance

Aditya Birla Guaranteed Milestone Plan N N Y Y

Child Education/ Traditional Product
TATA AIA Gold Income Plan N N Y Y
Marriage Planning
HDFC Life Youngstar Udaan N N Y Y
ULIP I Pru Smart Life N N Y Y
Aditya Birla Vision Life Income N N N Y
Aditya Birla Secure Plus N N N Y
TATA AIA Gold Income Plan N N N Y
Traditional Product
Retirement TATA AIA Maha Life Gold N N N Y
ICICI My Pension Fund N N N Y
HDFC Personal Pension Plus N N N Y
ULIP Birla Wealth Secure N N N Y
ICICI iProtect Smart N N Y Y
Offline Term Plan KOTAK Life e-Term N N Y Y
TATA Sampooran Suraksha N N Y Y
IDBI iSurance Flexi Term N N Y Y
Online term Plan HDFC Click 2 Protect Plus 3D N N Y Y
Risk Cover
Birla Protect@ease N N Y Y
Term Plan with Health Option I Pru iProtect Smart N N Y Y
Exide Smart Term Plan N N Y Y
TROP Plan ICICI Super Protect Solution N N Y Y
TATA AIA Sampooran Suraksha Plus N N Y Y

Strictly Confidential. For Team Members’ use only. 4

 Solutions bifurcation in accordance with clients' goals & time horizon
GOAL SOLUTIONS
Time Horizon
Suitable Goals Type of Product Solution
0 – 5 yrs 5 – 10 yrs 10 – 15 yrs 15 plus yrs
Aditya Birla Vision Life Income N N Y Y
Goal Solution – Life Insurance

Aditya Birla Secure Plus N N Y Y

Bajaj Allianz Income Assure N N Y Y
Second Income Traditional Products Kotak Premier Income N N Y Y
TATA Smart Income Plus N N Y Y
TATA AIA Gold Income N N Y Y
HDFC Super Income N Y Y Y
I Pru Future Perfect N Y Y Y
I Pru Cash Advantage N Y Y Y
I Pru Saving Suraksha N Y Y Y
Wealth Creation Traditional Products TATA AIA Gold Income Plan N Y Y Y
Kotak Classic Endowment N Y Y Y
Kotak Assured Saving Plan N Y Y Y
Exide Life Assured Gain Plus N Y Y Y
IDBI Wealthsurance Growth Insurance – SP N Y Y Y
Single Premium ULIP
Kotak Single Invest Plus N Y Y Y
Aditya Birla Wealth Secure N Y Y Y
Wealth Creation –
Bajaj Allianz Future Wealth Gain N Y Y Y
ULIP
Regular Pay ULIP ICICI Life Time Classic N Y Y Y
Exide Life Wealth Maxima N Y Y Y
Kotak Life Platinuum N Y Y Y
One Product Solution can be allocated for more than one goal
Note: The products mentioned above and time horizon stated are for example only

Strictly Confidential. For Team Members’ use only. 5

 Solutions bifurcation in accordance with clients' goals & time horizon

Goal Solution – Mutual Funds

Goal Solution – Mutual Funds

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 Solutions bifurcation in accordance with clients' goals & time horizon
Goal Solution – Fixed Deposits
Goal Solution – Fixed Deposits & General Insurance

Goal Solution – General Insurance

Aditya Birla Health - Active Health Essential & Enhanced (with & without conical illness) Health
Apollo Munich - Energy Gold & Silver (Gold includes the cost of wellness test whereas Silver
excludes the cost of Wellness test) Health
Liberty Videocon - Health Connect Supra ( Top up & Super Top Up) Health

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 Solution FAQ's
CPOF
Q. Why should I consider Capital Protection Oriented Fund (CPOF) for my portfolio?
Ans. 6 basic reasons to recommend CPOFs over other Debt instruments:-

1. Capital Protection : Basic purpose of Debt part of the portfolio is – Capital Protection and at least
safest instrument returns

2. Safety : Mandatory rated by reputed rating agencies like – CRISIL, ICRA, etc. & are generally rated
CPOF

AAA(SO)

3. Diversification: Invest in more than multiple securities in Equity as well as in Debt, thus diversifying
the portfolio and risk.

4. Taxation : As per current tax law, these funds are eligible for ‘Indexation benefit’ and their returns are
therefore tax efficient.

5. Continued High Interest Rates Benefits for long term : If money is invested only for 1 year at these
high yields and next year investor will not get same yields after the maturity – so reinvestment risk!
It is better to lock your investments at current high yields for longer period, at least 3 years

Strictly Confidential. For Team Members’ use only. 8

 Solution FAQ's
ELSS
ELSS is the best “Wealth Creation Vehicle”, which gives you the added advantage like
Proper Diversification, Long term Investment and Tax benefits in the form of no capital
gain tax and tax free dividend. Hence the persons, who are looking for Wealth Creation
and 100% Tax-Benefit, must look towards ELSS.

ELSS- An efficient way to create wealth:-

ELSS is a straight way to build your Wealth. We take you through the various benefits of
investing in ELSS.

• Close-ended structure ensures "time in the market" rather than "timing the
market", a famous quote from Warren Buffet-
ELSS

The 3 year lock-in period in the scheme allows the Fund Manager to take long
term calls as he does not have to worry about short term volatility in the equity
markets & the liquidity requirements of the investor. The money lies with the
Fund Manager for long and as it is well said that 'the longer you stay invested,
the better it is' to reap full benefits from equity funds.

• Diversified portfolio structure helps the fund manager build an unbiased

Large- medium- small cap portfolio-
Diversified equity fund invests across Large Cap, Mid Cap and small cap
companies as well as various industries across capitalization. Thus, bringing in
the benefit of diversifying risk and return possibility from well spread portfolio.

The secret of diversification is, through investment in established companies it

brings respite from volatility in a longer run, whereas mid cap tries to capitalize
on the growth potential of future blue chip companies and small cap adds high
risk high reward possibility to the portfolio.

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 Solution FAQ's

This is because, large cap is very less affected one from volatility. Mid caps are
enough growth potential to change to blue chip and large cap. Small caps are
highly volatile but possibility of profit equally high.

Thus diversified funds equalize the higher return and consistency possibilities
added with riding on the market movements.

• Availability of funds for long term helps the fund manager take better
sector allocation-
Fund Manager can hold to any sector till the theme plays out. Short term,
medium term or long term without fearing for large redemption pressure and
ELSS

accordingly carrying a larger baggage of highly-liquid- low- return stocks. They

can participate in an infrastructure theme or energy theme for long term
fundamental reasons or an IT/Media/pharma theme for short term (momentum)
reasons without many worries!

• Regular Income-
ELSS provides regular income from tax- free dividends.

• Exempt! Exempt! Exempt!-

E (Exempt while investing): Investment under Section 80C (ELSS)
E (Exempt any interim Dividend): Dividend Tax free in the hands of investor
E (Exempt while redeeming): Long term capital gain tax not applicable for Equity
& equity oriented Funds

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 (Part of MFSC for April'2018)
Under Equity CPOF Category
UTI-Capital Protection Oriented Scheme - Series X - II
Features of the scheme:
Parameter UTI-Capital Protection Oriented Scheme - Series X - II
Type A Close-ended Capital Protection Oriented Debt Fund
Tenure 1134 Days
NFO Period 2nd April 2018 – 16th April 2018
Asset Allocation 70-100%: Debt & Money Market instruments;
0-30%: Equity & Equity related instruments

Plans/Options Growth Option and Dividend Payout Option

Minimum Application Rs. 5,000/- and in multiples of Re. 1/- thereafter without
Amount any upper limit.
Benchmark CRISIL Hybrid 85+15 Conservative Index

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 (Part of MFSC for April'2018)

Under ELSS Category

Sundaram Long Term Tax Advantage Fund - Series IV

Features of the scheme:

Parameter Sundaram Long Term Tax Advantage Fund - Series IV

Type A Close-ended Equity Linked Savings Scheme

Tenure 10 years with a lock in period of 3 years
NFO Period 27th March 2018 – 27th June 2018
Asset Allocation 80-100%: Equity & equity-related securities*;
0-20%: Fixed Income and Money Market securities
Plans/Options Growth, Dividend Payout & Dividend Sweep
Minimum Application Rs. 500/-
Amount
Benchmark S&P BSE 500 Index

* Equity-related securities shall include Cumulative Convertible Preference shares, fully Convertible
Debentures and fully Convertible bonds of Companies.

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General Insurance

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 MFSC- General Insurance
Main Schemes
New Schemes
For Motor
Tata – AIG For Health
L&T
Future Generalli SBI “Aroygya”
ICICI Lombard
Iffco Tokiyo
Aditya Birla Health - Active Health
For Health Essential & Enhanced (with &
without cronical illness)
SBI “Aroygya”
Cigna TTK Pro health Aditya Birla Health Insurance –
Apollo Munich - Easy Health
Diamond (Active Assure)
Max Bupa - Health Companion
Religare Care
L&T Medisure Super Top Up Insurance Apollo Munich - Energy Gold &
Silver (Gold includes the cost of
For Travel wellness test whereas Silver
Tata AIG excludes the cost of Wellness test)
Future Generali

For Home Liberty Videocon - Health Connect

Bajaj Allianz General Insurance Supra ( Top up & Super Top Up)
Royal Sundarm

For Personal Accident

Tata - AIG
Future Generali

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 “SBI General -Arogya Premier Plan”
SBI General’s Arogya Premier Policy is exclusively designed to meet special
healthcare requirements of such individuals. With wider medical coverage
Part of MFSC of April'2018

option,HNIs can avail the best medical treatment from top medical experts.

Offers of the plan:

No pre-policy medical test up to the age of 55 years for people with no medical
history.
Entry Age: 3 Months to 65 years
Cover available for individual and family
Pre and Post Hospitalization of 60 and 90 days respectively
142 Day Care expenses
Actual Ambulance charges including Air ambulance up to Rs 1,00,000/-
Cover for Maternity Expenses after first 9 months
Organ Donor Expenses
Automatic Reinstatement of Sum Insured
No Pre medical test up to 55 years of age.
Sum Insured option of Rs 10,00,000 to 30,00,000/-
Policy period up to 3 years.

Strictly Confidential. For Team Members’ use only. 15

 Apollo Munich - Energy
The plan is a part of Apollo Munich's wellness management program for
individuals with type 2 diabetes accompanied by impaired fasting glucose( IFG),
Part of MFSC of April'2018

impaired glucose tolerance (IGT) and hypertension.

Apollo Munich Energy: Key Highlights

1. Offers coverage on individual sum insured.

2. Get Coverage from the age of 18 years to 65 years
3. The plan offers two options - Gold & Silver. Gold includes the cost of wellness
test whereas Silver excludes the cost of Wellness test.
4. Policy tenure is 1 year
5. Offers ' Stay healthy Package' which includes your online health assessment, E-
Storage facilities to store your medical reports, customized diet & exercise plan
from medical experts, and attractive offers & discounts on health products and
services etc.
6. Offers a 30 days grace period for renewing the policy.

Strictly Confidential. For Team Members’ use only. 16

 Apollo Munich - Energy
US's
Part of MFSC of April'2018

1. Can cover people with pre-existing illnesses for hypertension & diabetes from
day 1.
2. Get discount up to 25% on renewal premiums as a reward for maintains good
health
3. The plan offers two options - Gold & Silver. Gold includes the cost of wellness
test whereas Silver excludes the cost of Wellness test.
4. Offers ' Stay healthy Package' which includes your online health assessment, E-
Storage facilities to store your medical reports, customized diet & exercise plan
from medical experts, and attractive offers & discounts on health products and
services etc.
5. Sum insured options range from Rs. 2 Lakh to 10 lakh available in individual
mode with no capping on room and ICUs.
6. It helps you acquire a new segment of clients which is an untapped segment .

Strictly Confidential. For Team Members’ use only. 17

 Liberty Videocon - Health Connect Supra ( Top up
& Super Top Up)
Benefits of Liberty Videocon Health Connect Supra Topup Plan :-
Part of MFSC of April'2018

1. The plan offers comprehensive coverage

2. For Topup Plan Comprehensive covers with sum insured option from 50K till 20 lakhs and with
deductible option from 50K till 10 lakhs.
3. For Super topup Plan Comprehensive covers with sum insured option from 3 lakhs till 1 Crore and with
deductible option from 2 lakhs till 40 Lakhs.
4. 405 day care procedures undertaken in a hospital/day care center in less than 24 hours due to
Technological advancement.
5. Loyalty Perk- Auto increase in Sum Insured by 10% on the Sum Insured for every claim free Policy
year up to a maximum of 100% of the Sum Insured if the Policy is renewed without any break.( Only
available on Super top up plan).
6. Option to avail - Reload of Sum Insured, AYUSH Treatment. ,World-wide Coverage, Wellness &
Assistance Program as per need.
7. Wellness & Assistance Program available on optional basis and serviced by Us/Through LV Service
Provider ( available in both plan variant).
8. Single policy option for individual and family members with additional discounts- Avail discount on 2
or more family members cover under the same policy.
9. Multi Tenure policy of 2 or 3 years - Avail Discounts for tenures of 2 or 3 years.
10. Preventive Care Benefits-Avail benefits for Preventive Health measures like First Medical Opinion,
Live Health talk, Electronic Medical records management and health newsletter without any extra cost.
11. Offers tax benefits for premium paid under section 80D of income Tax act 1961.
12. The policy also offers sum insured enhancement facility to enhance you sum insured at the time of
renewal. However, it is, subject to no claim made by customer during the policy tenure.

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 Liberty Videocon - Health Connect Supra ( Top up
& Super Top Up)
USPs
Part of MFSC of April'2018

1. For Topup Plan & Super Topup is having a Comprehensive covers with sum insured option from 50K
till 1 crore.

2. No pre policy health checkups for people up to 65yrs .

3. 405 day care procedures

4. World -wide coverage can be opted on Super Top-up Plan

5. Increase in Sum Insured by 10% on the Sum Insured for every claim free Policy year up to a maximum
of 100% of the Sum Insured if the Policy is renewed without any break.( Only available on Super
topup plan)

6. Preventive Care Benefits-Avail benefits for Preventive Health measures like First Medical Opinion,
Live Health talk, Electronic Medical records management and health newsletter without any extra cost.

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 Aditya Birla Health
Active Health Essential & Enhanced (with & without cronical illness)

This plan is exclusively designed to meet special healthcare requirements withPre existing disease
coverage from day 1 for each individuals.
With a wider medical coverages, everyone can avail the best medical treatment from best medical
Part of MFSC of April'2018

experts.

COVERAGES

Please find attached the important product highlights and the following important pointers for
launchactivity.

. Wide Range of Cover: Sum insured varies from 50,000- 2 crs.

. Customized Room Rent - choose between single room or shared room.
. Incentivize for not utilizing the highest level of Room Category.
. Post Hospitalization of 180 days.
. Day Care Treatment - 527 listed procedures and additional procedures to be included on
advancement of technology.
. Ambulance Charges.
. Pre Existing coverage for Non Chronic pre-existing illness people.
. 3rdGeneration Re load feature - When the basic SI & Earned cumulative bonus is insufficient due to
claims paid or accepted as payable, the same will be restored to 100% of basic SI. This doesn’t require
the basic SB+CI to be exhausted completely. Also the cover is double from day one in case of Road
accident claim.

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 Aditya Birla Health
. Free Annual Health Check-up for adults in the policy .
. E Opinion facility- For 11 critical illnesses.
. Organ Donor – Covered only in enhanced plan and upto Sum Insured.
. Worldwide Emergency Assistance Services (In India and Outside India – exclusively with ABHI).
Part of MFSC of April'2018

. Recovery Benefits (Exclusively with ABHI Inbuilt feature).

. Health Returns (Unique proposition of ABHI)
. Chronic Management Programme (Unique proposition of ABHI)
. Value Added Services
. Non-reducing Cumulative Bonus incase of no claim .
. Optional Benefits like OPD & Maternity (choice and pick by customer by adding premium)

USP's:

1. Can cover people with pre-existing chronic illnesses like hypertension, diabetes & Asthma.
2. Can reduce the premium at the time of renewal by staying in shape.
3. Premium on proposers age irrespective of highest age in the family.
4. Sum insured of Rs. 50,000, Rs.75,000 and Rs. 1 Lakh available in floater maode with no capping on
room and ICU, no other private insurance offers these SI options.

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 Aditya Birla Health
"Diamond Active Assure " from Aditya Birla Health Insurance Co. Ltd

This is a comprehensive health insurance for everyone (Individual & Family) which covers treatment
under Hospitalization i.e Inpatient care.
Part of MFSC of April'2018

Below mentioned is the Synopsis of "Diamond Active Assure " from Aditya Birla Health Insurance Co.
Ltd

Basic Cover – USPs

●
Cashless claims across large network of hospitals
●
Get free health check up every policy year, starting from first year.
• 586-day care treatments covered
• Road Ambulance expenses covered up to a limit based on the Sum Insured
• Reload benefit up to 150% of Sum Insured, maximum upto 50 lacs.
• Ayush (in-patient hospitalization) treatment upto a limit based on the Sum Insured
• Daily Allowance of Rs 500 per day for 5 days for Sum insured upto 4 lakhs
• Vaccination Cover upto Rs 10,000, for children upto 18yrs of age, for Sum insured 1 Cr and above
• In-house claim settlement for seamless claims experience.
• Lifetime renewal of policy.
• Domestic & International Emergency Assistance Services (Including Air Ambulance).

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 Aditya Birla Health
"Diamond Active Assure " from Aditya Birla Health Insurance Co. Ltd

Cumulative Bonus (No Claim Bonus)

Part of MFSC of April'2018

10% of sum insured per annum, maximum upto 50% of sum insured.

Reward for Living an Active Life

Stay physically active and get reward upto 30% of premium as Health Returns.

Optional Covers – Upgrade with more benefits

●
Unlimited Reload - 100% of sum insured (Unlimited times)
●
Super NCB – Additional 50% of sum insured per annum, maximum upto 100% of SI
• Any room upgrade – available with sum insured 5lacs and above

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 MFSC- General Insurance

Cigna TTK Pro Health Plan

Part of MFSC of April'2018

Cigna TTK has the widest range of sum insured upto Rs 1crore. Its minimum entry
age is 91 days for children and 18 years for adults. There is no limit for entry under
this plan.

●
Worldwide emergency cover
●
Maternity, new born expenses, vaccination cover
●
Restoration of sum insured
●
Health maintenance benefit
●
Cumulative bonus for no claim-free Health check up at each renewal
●
Zone Based Premium
●
Lifetime Renewal
●
Super Top up available like a base plan

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 Pro Health variants available

Pro-Health gives wide range of plans which one can choose as per the needs:-

Pro Health Protect- up to Rs 4.5 lac only

Pro-Healthy Plus-SI (Rs.4.5 lac -10lacs)

Pro-Health Preferred- SI (Rs 10-50Lacs)

Pro-Health Premier-SI up to Rs.1 Cr.

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Enhance your existing sum insured with...
Cigna TTK Deductible

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“Travel Insurance" an Opportunity During Vacations

Beginning of April, the season of overseas travels begins. The need to insure one and
one’s family is of prime importance during these trips. Whether you travel for business
or pleasure, international travel involves risk. Medical treatment abroad can be
expensive & one never knows when one would require it. Having to spend for medical
bills in foreign currency can be an expensive proposition. There are other difficult
situations also, that one might face like loss of passport or baggage.

So, to sum up as why a person traveling overseas needs a Travel Insurance:

●
To take care of expenditure in foreign lands currency which are way higher as
compared to medical expenses in India
●
It ensures convenient and hassle free trip for the family
●
Help in sudden and unforeseen expenditure
●
Speedy guidance and referral in a foreign land and the time where proper
guidance may mean life or death

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Types of travel plans:
There are several types of travel plans along with various options for which we need to have a proper
knowledge and pitch the best product to our clients. Below mentioned are few plans which can be
offered -
Overseas Travel Insurance Plan - For a person who is traveling abroad
This travel insurance and trip insurance plan offers precise cover under all facets of a global travel
plan. However, it is compulsory according to the rule books of most countries of the world.
Domestic Travel Insurance Plan - Person who is going for a vacation/business trip within India
This online insurance travel plan takes good care of all expenditures sustained during domestic trips
within the country. This insurance policy covers all expenses incurred in consequence of loss of
baggage, personal accidents, emergency hospitalization etc.
Student Travel Insurance Plan - Specially designed for student who are planning to go abroad
for study (Primarily July - Aug)
This is an important plan precisely crafted keeping in mind the requirements of students traveling to a
foreign country to pursue higher education. It is also obligatory to purchase one prior to taking
admittance in a university abroad. It will support in case a crisis during the period of stay.
Single Trip Insurance Plan - People who are going for a small duration vacation
It is a brilliant plan that covers you for the travel period of any single holiday. It is widely available
with insurance providers these days.

Multi Trip Insurance Plan - For people who are often traveling, serves best to buy a Multi trip
insurance for the whole year
This is a type of annual or once in a year plan that must be a part of trip plan for all frequent travelers.

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What does Travel Insurance Policy cover*?

1.Medical Expenses and Repatriation - covers hospitalization expenses for accident or illness,
including medical evacuation wherever necessary.
2. Personal Accident - covers death and permanent disablement.
3. Loss of checked baggage - covers total and complete loss of baggage checked in by an
international airline.
4. Delay of checked baggage - covers cost of emergency purchase of replacement items.
5. Loss of passport - covers reasonable and necessary expenses to obtain a duplicate passport or a
valid travel document.
6. Personal liability - covers legal liability attaching in a private capacity during the course of
overseas travel.
7. Cash Less Service - Direct settlement for in - hospital medical expenses abroad. (Subject to policy
terms and conditions and sub limits)
8. Hospitalization Allowance - covers daily allowance maximum to a certain limit subject to plan
opted for.
9. Emergency Cash Advance - This is an assistance service when the insured person requires
emergency cash following incidents like theft/burglary of luggage/money or hold up. The service
provider shall co-ordinate with the insured person’s relatives in India to provide emergency cash
assistance to the insured person as per his requirement, up to limit specified in the policy schedule

*The features and extent of cover varies from product to product.

Strictly Confidential. For Team Members’ use only. 29

Fixed Income

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Fixed Income

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Fixed Income
FD rates as on 1st April'18
S. No Company Name 1year 2years 3years 4 years 5years Yield
CARE- AAA,
1 DEWAN HOUSING FIN. CORP. LTD 7.70 7.80 7.90 8.05 8.05 11.91(10 Yrs)
BWR FAAA
2 PNB HOUSING FINANCE LIMITED FAAA BY CRISIL 7.45 7.45 7.45 7.45 7.45 10.5(10 Yrs)
A Govt. Kerala
3 KTDFC Ltd. 8.25 8.25 8.25 8.00 8.00 9.80
Undertaking
CRISIL-FAAA &
4 SHRIRAM Trans FINANCE CO.LTD (UNNATI) 7.65 7.65 8.00 8.00 8.25 9.72
ICRA-MAA+
CRISIL-FAA+ &
5 SHRIRAM CITY UNION FINANCE CO. LTD (SIDDHI) 7.65 7.65 8.00 8.00 8.25 9.39
ICRA-MAA+
CARE- AAA,
6 BAJAJ FINANCE LIMITED 7.60 7.80 7.85 7.85 7.85 9.18
BWR FAAA
7 MAHINDRA & MAHINDRA FINANCE SERV LTD CRISIL- FAAA 7.70 7.90 8.05 8.05 8.05 9.45
8 LIC HOUSING FINANCE LTD CRISIL- FAAA 7.30 7.40 7.45 - 7.45 8.65
CRISIL-FAAA,
9 HDFC LIMITED 7.40 7.35 7.35 7.35 7.35 8.51
ICRA-MAAA

Strictly Confidential. For Team Members’ use only. 32

Fixed Income

Fixed Income Opportunities for April'2018:

1. Capital Gain Bonds Maturity in April'2018: Approx. 36.44 Crores of

Capital Gain Bonds are maturing in Apr’18. RMs should contact each &
every client and offer them attractive Rated FD Schemes, Secondary
Market Bonds, other investment solutions etc.

2. GOI 8% Taxable Bonds maturity in April'2018 (Now GOI is 7.75%) :

Approx. 9.78 Crores of GOI 8% (Now 7.75%) Taxable Bonds are maturing
in Apr’18. Data will be uploaded in wealth maker on 1st Apr’18, RM should
contact all the clients and offer them various investment solutions
accordingly.

3. Rated Company FD Maturity: Approx. 41.25 crores of rated FDs are

maturing in Apr’18, renew all of them as these are the low hanging fruits.
Also, interest rates are attractive in comparison to Bank FDs.

Strictly Confidential. For Team Members’ use only. 33