Hello, am I speaking with Sarthak?

Haan, main to Sarthak bol raha hoon.

Shukriya Sarthak. Mera naam Priya hai. Main Zurich Kotak General Insurance se call kar rahi hoon. Aapki health insurance policy agle paanch dinon mein expire ho rahi hai aur main isliye call kar rahi hoon taaki expiry se pahle aapko renewal premium, current health cover aur NCB benefit samjhaane mein help kar sakoon.

Aap ek kaam karo, pahle na mujhe poora renewal ka details batao aur aapne NCB ka bhi mention kiya hai to exact NCB ka detail bhi batao mujhe.

Zaroor. Renewal premium aur policy details share karne se pahle ek quick security verification kar lete hain. Kripaya apne registered mobile number ke last 4 digits confirm kar dijiye.

So the last 4 digits of my mobile number is 4321.

Thank you. Your verification is successfully complete. Your current health policy is expiring within the next five days. Your existing base health cover is ₹5 lakh and the base renewal premium is ₹9,860. You also have a 20% NCB benefit available which can increase your cover from ₹5 lakh to ₹6 lakh after renewal, subject to policy terms.

Achchha to yeh NCB 20 percent hai. Aur kya yeh NCB badh nahin sakta? Ya jo aap log cover mera extra badha rahe ho, uski jagah mujhe extra discount nahin mil sakta kya?

20% NCB aapki policy ke terms ke anusaar fixed benefit hai. Yeh claim-free year ke aadhaar par apply hota hai aur renewal ke baad aapka cover ₹5 lakh se badhkar ₹6 lakh ho sakta hai. Ise premium discount mein convert nahin kiya ja sakta kyunki yeh additional coverage benefit hai.

Okay, but aap ek baar phir se mention karna kya price bole aap is saal ka?

Is saal aapki base health policy ka renewal premium ₹9,860 hai. Is premium par aapka cover ₹5 lakh rahega aur 20% NCB apply hone par yeh ₹6 lakh tak badh sakta hai.

Lekin last year premium to kam tha. Is saal ₹9,860 kyon aa raha hai?

Pichhle saal premium lagbhag ₹8,750 tha. Is saal premium age band change, medical inflation, GST aur insurer pricing rules ke kaaran badhkar ₹9,860 hua hai.

Achchha to main jo yeh extra paisa de raha hoon, ismein kya benefit hai?

₹9,860 mein aapka existing ₹5 lakh base cover continue rahega aur 20% NCB apply hone par cover ₹6 lakh tak badh sakta hai. Yeh renewal continuity aur enhanced coverage benefit provide karta hai.

Meri company ka bhi insurance hai. Kya main dono insurance saath mein use kar sakta hoon?

Ji, company health insurance aur personal health insurance dono useful ho sakte hain. Ek policy se claim initiate kiya ja sakta hai aur remaining eligible amount doosri policy se claim kiya ja sakta hai, subject to policy terms.

Mujhe lag raha hai ₹5 lakh thoda kam hai. Agar higher coverage option ho to mujhe bata sakte ho?

Aapke renewal ke saath ek super top-up option available hai jisse aap comparatively low additional cost par higher coverage le sakte hain.

Super top-up ke baare mein exact detail batao. Costing kya rahegi aur kitna cover milega?

Super top-up mein aap ₹10 lakh ki additional coverage add kar sakte hain. Iski cost lagbhag ₹1,800 per year hogi. Iske saath total premium ₹11,660 ho jaega aur larger hospitalization expenses ke liye enhanced protection milegi.

Aap mujhe detail WhatsApp kar do kyunki competitors mujhe aur bhi kam premium quote kar rahe hain.

Comparison sirf premium par nahin balki cover amount, NCB benefit, waiting period, exclusions, room rent limits, cashless hospital network aur renewal continuity par bhi hona chahiye.

Aap log agar theek-thaak pricing set kar do mere liye to main le loonga.

Main unauthorized discount commit nahin kar sakti. Agar aap lowest payment chahte hain to ₹9,860 mein base renewal continue kar sakte hain.

Aap mujhe baad mein poora detail WhatsApp par bhej dijiye. Main baaki plans bhi compare karoonga aur isko bhi consider karke dekhoonga.

Bilkul. Main aapko WhatsApp par poora detail aur secure payment link share kar rahi hoon. Kya shaam 8 baje callback karoon taaki tab calmly discuss kar saken?

Haan, shaam ke 8 baje aap mujhe call kar sakte ho. Tab main free hoonga.

Main aapko WhatsApp par summary, policy details aur secure payment link bhej rahi hoon. Saath hi shaam 8 baje callback bhi schedule kar rahi hoon. Policy expire hone se pahle renew karna behtar rahega taaki coverage active rahe.