StarHoney Bees

A Monthly E-Newsletter

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TEAMINGFOR SUCCESS

I feel immensely privileged to address you as the Managing Director of Star Health. As someone who has grown with the organisation, I am conscious of the hopes and aspirations of each one of you. Our team is most strong and committed in the market and we are confident of writing many more success stories for STAR Health family in the years ahead. Through this monthly Newsletter "STAR Honey Bees", we will remain connected and up to date on latest happenings within our organization. I solicit your feedback to make this newsletter more insightful and beneficial to its readers. Please give your feedback at honeybees@starhealth.in. Wishing you and near, dear ones to remain safe & healthy during current pandemic situation.

We will emerge stronger than ever from this challenge. Wishing you all the best!

MAY 2020VOL 1, ISSUE 1

Mr. V. JAGANNATHANChairman & CEO

When the going gets tough, the tough get going

It gives me great pleasure to connect with you through the first issue of this new monthly e- Newsletter, in this hour of change and challenge. The lockdown crisis has opened up new vistas of a new world order and we need to play out the purpose of our existence and life, exceptionally well. To cope up with the situation, we have ramped up our Digital and Online channels to serve and ensure seamless customer service delivery and also to enable you to continue your business anytime anywhere-minimising the disruption caused by the crisis. We should adapt to the changing times sooner than later, to stay ahead. Dear Honey Bees, the situation offers more hope for health insurance than ever before and time is opportune for you to engage more in business activities using newer ways with increased intensity and seriousness, to keep growing and life going. You are our pride, as I always admire, and so should you be, to be an integral part of Star Health which is a stand out Organisation with superlative performances in Health Insurance. Let us together work more closely and realise our visionary goals and passionate dreams. Best Wishes!

MY DEAR STAR HEALTH FAMILY MEMBERS,

Mr. ANAND ROYManaging Director

MY DEAR HONEY BEES

Our unstoppable service duringthe lockdown period.

From 25th March to 30th April 2020

Delivering commitment through service excellence.

Over 64305 Cashless Transactions done(97% within 2 hours)

27806 Claims Paid to Hospitals / Insured(Hospitals: 18150, Insured: 9656)

More than 200 Medical Professionals and over 130 Billing Executives and Financial Approvers work from home

Close to 150 Customer Care Executivesavailable 24/7

More than 2000 people were helped through our Free Tele-Consultation facility

TELECONSULTCONSULT

Approval given for 220 COVID-19 confirmed and suspected cases

APPROVED

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Ensuring success through service excellence

ANCHORED ON TECHNOLOGY FORENABLING SUCCESS

F rom a business perspective, multiple industries are being impacted by the lockdown. As you review your marketing approach to ensure business continuity and sustainability, now is a good time to strengthen your digital know-how and be relevant in these challenging times. As you know, face to face meetings have become impossible today, so working remotely and getting in touch with clients through digital tools have become the new norm. Many studies reveal that millions of Indians spend significantly more time online during the lockdown. So it is ideal for us to meet them where they are and enable them to understand our products, guide them in availing the best-suited policy and also help the existing customers with online renewal procedures.

In the light of the COVID-19 situation, we want to keep you updated on the various developments in our digital assets. Explore and start using the digital tools of STAR Health. Further, our Zonal Managers and Coordinators continue to be available on call for you, to resolve any queries that you may have. Our website is being regularly updated with important information/alerts. Our Mobile App will flash the necessary notifications daily. If you need more information, please do not hesitate to reach out to us as we remain fully focused on supporting you. Embracing digital methods in health insurance not only has equipped us to meet the challenges of today but is simultaneously preparing us for the challenges of tomorrow. Stay healthy. Embrace Digital. Stay safe and succeed.

The App enables customers to instantly access their policy details and allow them toknow about various features of our health products.

It is an exclusive App that serves as a virtual office for Agents and Sales Partners of STAR Health. Through this App agents can perform several functionalities for serving, renewal and retention of customers. STAR ATOM 2.0 consists of all product information, which the agents can share with their customers through SMS/Email.

Key Features: Proposal Entry Payment Collection Receipt Generation Calculating premium for all products

Features of STAR Power: Instant Access Renewal Downloading Policy Documents Details about Network Hospitals Claim Status Wellness Program

ATOM 2.0STAR Agent’s Virtual O�ce

THE DIGITAL INTERFACES OF STAR HEALTH

This web portal enables customers to access their existing policy and complete the new policy buying process. The portal’s user-friendly

interface will be helpful for the common man in availing the services of STAR Health. Further, the Sales Portal is contributing in a big way in our rural penetration plans.

STAR Health Sales Portal

Mobile App

It’s the right time for Agents and Sales Managers to make full use of the digital assets of STAR Health

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WELCOME TO OUR VIRTUAL OFFICE!

Going digital. Growing ahead

Agents who want to learn how to make the best use of the online features can contactour trainers and be a part of the Zoom trainings that are being conducted regularly.

Embraceonline

practices.

Accelerateyour

performance.

Now proposal forms can be filled online and payment can be made online or offline, whichever

mode is convenient for the customer. Here are some of the useful links that can guide one

through the availing products and services of STAR Health.

1. CUSTOMER PORTAL www.starhealth.in/customerportal/login

Important Feature: - Renewal of policies

3. CLAIMS PORTAL www.portal.starhealth.in/claims/

Important Feature: - Verifying the intimated claim status

4. INSTANT RENEWAL https://www.starhealth.in/customerportal/instant-renewal

Important Feature: - Instant renewal of policy by just providing DOB and Policy Number

2. AGENT PORTAL www.agent.starhealth.in/login

Important Features: - Getting customer details and reports - Registering new prospects - Selling policies using both online and offline mode

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Ensuring wellness by addressing Illness

STAR Health has always been a customer-focused

organization that believes in delivering commitment

through service excellence. In line with that legacy,

we have introduced a free tele-medical consultation

service named Talk to STAR.

This service is made available to people who face

any health related issues and require remote

consultation. The services offered under Talk to

STAR has been expanded in these trying times

when the country is grappling with COVID-19

pandemic.

Our Tele-Health Service is receiving tremendous

response from a multitude of our Customers,

Employees, Agents and their family members.

Till April 30th, STAR Tele-Health Service – Talk to STAR has received and attended more than 5000 calls.

Consultation is available in Tamil, Telugu, Malayalam, Kannada, Marathi, Hindi and English

25 Plus Doctors on board

Consultation Timing: 8.00 am to 10 pm

Call us at 7676 905 905 (or) through ourToll-Free Number: 1800 425 2255

Download the App from

Recognitions received for Star Tele-Health Facility

The Government of Tamil Nadu in the notifications dated 25/03/2020 and 17/04/2020

Various Press and Media Outlets

National and International Telemedicine Societies

Specialistsavailable withTalk to STAR

in the following fields

General Medicine General Surgery Pediatrics Medical Oncology Psychiatry

Neurosurgery Clinical Microbiology Dentistry Functional Medicine Dietician/Nutritionist

Obstetrics and Gynecology Ophthalmology Intensivist Orthopedics Diabetology

STAR TELE-HEALTH FACILITY

All medicine prescribedcan be bought and

delivered home from NETMEDS pharmacy with a �at

20% discount

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Extending care to Star Health’s MOST Valuable Family Members - The Agents

IMPARTING CARE

ROBUST PERFORMANCE

Setting benchmarks only to surpass

With this achievement, we continue

to hold our No.1 position in India

amongst all Non-Life Insurers in

Retail Health Insurance Segment.

STAR Health has Completed

Total Premium of

Rs.6862 Cr. for the FY19-20

with an exponential growth of 27%

Our beloved Chairman always says:

we want agents, we love agents…

As the head of the Star family, he has annonced an ex gratia of

Rs. 35000/- in the event of an unfortunate demise of an active

agent due to COVID-19 and an ex gratia of Rs.10000/- to

agents who had confirmed Corona infection, hospitalized and subsequently recovered.

Last Month, we unfortunately lost our Agent Mrs. Meena L Shahdue to COVID-19 and in order to help her grieving family, an ex gratia

of Rs.35000/- has been paid.

27%Rs.6862 Cr.

FY 2

19-2

0

Market Leader in Retail Segment

Exponential growth year-on-year

Retail Health Premium FY 19-20 (INR Crores)

* Business Figures as per General Insurance Council

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Together lets create more possibilities

NEW PRODUCTS AT A GLANCE

Presenting

Young STARInsurance Policy

Health Insurance forhealthy people to preserve their wellness and wealth lifelong

Lifelong Renewal

Midterm Inclusion (Spouse & Child)

New Born Cover

No Pre-acceptance medical screening

E-Medical Opinion (from STAR’s expert panel)

Cost of Health Check up

Cumulative Bonus

Hospital Cash

Additional Advantages:

Years of experience in providing perfect Health Insurance Solution to people belonging to various age groups has enabled us to come up with products that are best suited to meet the needs of tomorrow. We have brought out products that can act as a lifelong companion for the insured by easing away their worries and protecting what matters most to them.

The Young STAR Insurance policy is the latest addition in our product armoury loaded with a host of unique benefits.

It is an indemnity policy for people from18 years to 40 years. The product covers the Family consisting of 2 Adults and 3 Children (From 91 days - 25 years)

Lifelong discounts for entry age before 36 years*

Lifelong discounts for entry age before 36 years*

Up to 1 crore Sum InsuredUp to 1 crore Sum Insured

Maternity Coverage

Star Wellness Program

Key Highlights of the policy:

EMI Option for Premium Payment

Additional Basic Sum Insured for RTA

Automatic Restoration of Sum Insured

Up to 100%

Star Wellness Program

Key Differentiators of Young STAR: We have created product explainer videos for all the top-selling products. These videos will enable the Agents and Sales Managers with an easy understanding of the features of products. In order to overcome the linguistic barriers, each product video is made in 8 languages namely: English, Hindi, Malayalam, Tamil, Telugu, Gujarati, Bengali and Kannada.

Now, it just takes a few minutes to understand a product thoroughly.

Product Explainer Videos

* P

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prod

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ArogyaSanjeevaniInsurancePolicy

A simple policy loaded with essential bene�tsAs unique as its name, the Arogya Sanjeevani Policy is a

highly beneficial and affordable health insurance policy. This

policy has been created to cover the most essential clinical

aspects required in the process of recovery for an individual.

The policy covers anyone between 5 months and 65 years

with a variable sum insured up to 5 lakhs.

Advantages:

Hospitalization benefits

Coverage to day care procedures

Lifelong renewals

Cumulative bonus

Cataract treatment

Ayush treatment

Key Highlights of the policy:

The policy is available as Individual and Family Floater basis

The policy covers Self, Spouse, Dependent Children, Parents and Parents-in-law

Policy Term – One Year

Children, Parents Parents-in-law

Policy Term –

We are even more progressive while we work from homeSTAR Health is one of the very few organisations that made work from home model viable and result-oriented. Our entire team of officials, agents, medical professionals and sales managers are working harder than ever to bring the desired results and firmly placing STAR Health on the path of growth.

STAR WELLNESS PROGRAM

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Providing wellness is one of our notable policies

STAR Health believes that care goes beyond cure. Admittedly, the fast claim settlement procedure will guarantee the insured a smooth road to recovery, likewise, the steps taken towards achieving wellness will bring lasting cheer and satisfaction to the insured. To reassure wellness and make the customers of STAR Health feel valued and reward them with bonus points in the form of premium discount we have a host of wellness programs.

HRA – Health Risk Assessment The insured has to answer to multiple questions about his present health condition he/she will be rewarded with discount points.

ACTIVE LIFESTYLE REWARDS

PRA – Preventive Risk AssessmentThe insured will earn reward points through the submission of their lab reports and annual health check up reports.

Submitting Membership receipt from Gym, Zumba, Yoga, Aerobics or any other physical activity centers

Tracking the progress of the wellness goals, reached by the insured is done through this program. Digital Wellness serves as an encouragement to the insured to lead a healthy life and get rewarded with discount in premium for being active and fit.

The wellness team makes outbound calls to the insured post-hospitalization and do a courteous enquiry about their health and wellbeing. A gesture of compassion that strengthens the bond between STAR Health and its customers.

Calls of Compassion:

Digital Wellness:

Digital Wellness Program Covers:

A quarterly health magazine is released, featuring articles from renowned doctors all over India. Each issue is made with a specific theme and concentrates on a unique subject. The magazine has received tremendous response for its highly informative articles, engaging content and strong connect with readers.

Health Magazine:

Submitting proof of participation in Marathon, Walkathon, Cyclothon or any other physical activity-oriented events

By syncing their wearable / portable tracking device with the Health APP of STAR which tracks their footsteps

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LAURELS OF STAR HEALTH

TOP PERFORMING AGENTS & SALES MANAGERS (FY 19-20)

Mr. Farooq ShabvaniBO - T.Nagar, Chennai ZO

Agent - Rank 1

Mr. Koganti SRK PrasadBO - Machilipatnam, Hyderabad ZO

Agent - Rank 3

Mr. Venkata Srinivasa Rao KottuBO - Himayat Nagar, Hyderabad ZO

Agent - Rank 2

Ms. Supriya Amol SalunkeBO - Thane II, Mumbai ZO

SSM - Rank 1

Mr. Vilas V VaidyaBO - Borivali (E), Mumbai ZO

SSM - Rank 3

Ms. Meena Hemant SharmaBO - Thane, Mumbai ZO

SSM - Rank 2

This program addresses the lifestyle conditions such as Diabetes, Hypertension, Cardio Vascular problems and Asthma. Comprehensive and young star policy holders upon registration will be prescribed and guided by a lifestyle protocol created by wellness doctors and experts. Every CMP customer will have a dedicated health coach to help them reach good health and gain reward points.

Two other important programs under condition management program:

Condition Management Program

Dieting and exercise advices will be given to insured to stay fit and healthy if they are underweight, overweight or obese. Insured will get reward points for achieving their yearly target.

Weight Management Program

This program help insured to de-stress themselves as the fact remains that mental stress is the primary reason for chronic diseases.

The condition Management program is only available for Comprehensive and Young Star Insurance Customers and the rest of the wellness facilities are available for all other policy holders.

Mind-Body Healing Program

All these are programs run for one year, wherein the insured must enroll in these programs and should engage in activities

that would lead them to achieve up to 1000 reward points which is

10% discount in premium payment.

Medical and Health-related informationMedical and Health tools and calculators

Value-Adds of Wellness Portal:

Health Coach for the entire policy term, if they get themselves enrolled in the Condition Management Program. Once enrolled, they will get training on healthy diet plans and tips to lead a healthy life.

Exclusive offering for Comprehensive Policy holders:-

Wellness facility for STAR Health Family members during Lockdown period:

Wellness consultation once a week

Sending health tips by emailSuggestion on maintaining good mental and physical health of children during the lockdown period and beyond

ON THE GROUND MARKETING ACTIVITY

Various outreaching activities have been conducted across India to introduce our products and explain our services to the general public. These marketing activities have immensely contributed in procuring more business for our company.

LEAD GENERATIONCAMPAIGN

THRISSUR BO (KERALA ZONE)

LEAD GENERATIONCAMPAIGN

HARIDWAR BRANCH / 15-08-2019

WORLD DIABETES DAYJALPAIGURI BRANCH,

KOLKATA ZO / 14-11-2019

WORLD DIABETES DAYAGARTALA BRANCH,

KOLKATA ZO / 14-11-2019

FREE EYE CHECK UP CAMP

KATNI BRANCH - 25-08-2019

HEALTH CAMPRAIPUR BRANCH 1

GRAHAK SAMPARK UTSAVDIBRUGARH BRANCH

03-10-2019

LEAD GENERATIONCAMPAIGN

JHARSUGUDA RURAL BRANCH OFFICE

LEAD GENERATIONCAMPAIGN

SULTHAN BATHERY BO (KERALA ZONE)

FREE HEALTH CHECK UP CAMP

DIBRUGARH BRANCH - 07-11-2019

LEAD GENERATIONCAMPAIGN

CUMBUM RURAL BRANCH

MAHA EXPOAURANGABAD BRANCH,

PUNE ZONE

FREE HEALTH CHECK UPCAMP

PANCHKULA BRANCH

DINE & DANCEMr. R. Venkat - SM

MARGOA BRANCH / 07-12-2019

ON GROUND ACTIVITYPUNE ZONE @ NIC

21-01-2020

RURAL & ROAD SIDEAWARENESS ACTIVITY

GUWAHATI BRANCH

10

No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034. Phone: 044 - 28288800 IRDAI Registration No. : 129 CIN No. : U66010TN2005PLC056649