Yes, you are.

Thank you, ma'am. My name is Priya and I am calling from ABC Health Insurance. This call is being recorded for quality and training purposes. Is that okay?

Yes, but what are you calling about?

Ma'am, this is a welcome call regarding the Protect Plus Health Insurance policy you recently purchased with us. It will take about 5 minutes. Is this a good time to speak?

Haan, boliye. Bas thoda jaldi karna. Main abhi office mein hoon.

Bilkul ma'am, main aapka zyaada samay nahin loongi. Verification ke liye kya aap apni date of birth confirm kar sakti hain?

Haan ji, meri date of birth 14th March 1992 hai.

Thank you ma'am. Verification complete ho gayi hai. Ma'am, kya aapko aapki Protect Plus policy document email ya WhatsApp par mil gayi hai?

Haan, email pe mil gayi.

Bahut badhiya ma'am. Record ke liye kya aap confirm kar sakti hain ki aapka policy number ABC 20260083461 hai, jo aapke policy document par mention hai?

Haan, ek minute dijiye mujhe.

Bilkul, aap apna samay lijiye. Jab aap ready hon, bas confirm kar dijiye.

Haan, mera policy number yahi hai.

Ji bilkul. Thank you ma'am. Aapne ABC Health Insurance Protect Plus plan liya hai, jismein 10 lakh rupaye ka family floater sum insured hai. Is policy mein aap aur Rohit Malhotra, aapke spouse, covered members hain. Kya ye details sahi hain?

Haan, bilkul sahi hai.

Perfect ma'am. Aapki policy ka tenure one year hai aur annual premium 14,500 rupaye hai. Kya premium aur policy tenure bhi aapke understanding ke according hi hai?

Haan, lekin mujhe laga tha ki premium thoda kam hoga kyunki agent ne mujhe pehle kuch aur amount bataya tha.

Samajh sakti hoon ma'am. Final premium proposal aur underwriting ke basis par issue hua hai. Agar aap chahein to main aapke registered email par premium breakup aur policy schedule dobara bhejne ki request raise kar sakti hoon.

Haan, aap woh bhej dijiye ek baar.

Bilkul ma'am. Main premium breakup aur policy schedule resend karne ki request raise kar rahi hoon.

Haan, theek hai.

Ma'am, ek aur important detail confirm kar leti hoon. Hamaare records mein insured members hain Anjali Malhotra, yaani aap, aur Rohit Malhotra, jinka relationship spouse recorded hai. Kya dono naam aur relationship sahi mention hai?

Haan, haan, sahi hai.

Perfect ma'am. Ab main aapko policy ke kuch important points short mein bata deti hoon, jo future mein useful rahenge. Kyunki ye family floater policy hai, 10 lakh rupaye ka sum insured aap dono ke liye shared hai. Ye aapke liye alag se 10 lakh aur aapke spouse ke liye alag se 10 lakh nahin hai.

Haan, okay, okay, samajh gayi.

Ji ma'am. Doosra important point hai cashless hospitalization. Agar future mein hospitalization ki zaroorat padti hai, to network hospital mein policy terms aur required authorization ke according cashless facility available ho sakti hai.

Achchha, to matlab main kisi bhi hospital mein ja sakti hoon?

Hospitalization ke liye aap kisi bhi hospital mein treatment le sakti hain, lekin cashless facility generally network hospitals par available hoti hai. Agar hospital network mein nahin hai, to applicable policy terms ke according reimbursement claim ka option ho sakta hai.

Achchha, network hospital list kahan milegi?

Ma'am, main aapko network hospital list aapke registered mobile number par SMS ke through share kar deti hoon, taaki zaroorat ke time aap aasaani se check kar saken.

Okay, aur kuch cheezein important ho, jo mere liye aur baad mein helpful rahe?

Haan ma'am, ek aur important point hai. Kuch treatments aur pre-existing conditions par waiting period apply ho sakta hai. Aapne proposal ke time diabetes disclose ki thi aur us condition ke applicable waiting period terms policy schedule mein mentioned hain.

Haan, haan, maine bataya tha diabetes ke baare mein. To iska matlab abhi diabetes ka treatment covered nahin hai?

Ma'am, iska exact answer treatment aur policy terms par depend karega. Waiting period ke dauraan diabetes-related treatment coverage restricted ho sakti hai. Har medical situation ko policy terms ke according assess kiya jaata hai. Planned hospitalization se pehle claims team se coverage confirm karna behtar rahega.

Okay, samajh gayi. Actually sach kahun to mujhe ek aur doubt tha ki health insurance claim ke time bahut documents maangte hain aur claim reject bhi ho sakta hai. To kya ye sach hai?

Ji ma'am, aapki concern valid hai. Claim ke time required documents aur policy conditions important hote hain, isliye medical information accurate hona zaroori hai. Planned hospitalization mein jab possible ho, cashless authorization ke liye insurer ya hospital desk se pehle coordinate karna helpful rehta hai. Kya main aapko claim process ka basic guide share kar doon?

Haan, aap woh share kar dijiye.

Bilkul ma'am, main aapko claim process ka basic guide share kar rahi hoon. Free look period mein aap policy documents aur terms review kar sakti hain, subject to applicable conditions. Kya aapko ye option purchase ke time explain kiya gaya tha?

Nahin, mujhe clearly nahin bataya gaya ise.

Koi baat nahin ma'am. Main aapse free look terms ki detailed information registered email par resend karne ki request kar deti hoon, taaki aap aaraam se review kar saken. Ma'am, kya aap policy cancel karne ke baare mein bhi soch rahi hain?

Haan, actually sach bataun to main cancel karne ke baare mein soch rahi thi kyunki mujhe laga ki health insurance ka premium har saal hi dena padega aur agar claim nahin kiya to paise bhi waste ho jaayenge.

Samajh sakti hoon ma'am. Health insurance ka primary purpose investment return dena nahin, balki unexpected eligible medical expenses ke against financial protection provide karna hai. Main aapko policy continue karne ke liye force nahin karungi. Agar aap chahein to main specialist callback arrange kar sakti hoon, jo aapki policy details mein help karenge.

Nahin, nahin, theek hai. Woh main dekh loongi.

Bilkul ma'am, glad ki main aapki concern clarify kar pai. Aage kisi bhi policy servicing, claim assistance, network hospital information ya policy-related query ke liye ABC Health Insurance ke official service channels use kar sakti hain. Ma'am, kya aap consent deti hain ki hum aapko policy servicing updates aur renewal reminders is registered number aur email par bhejte rahein?

Haan, theek hai. Aap reminders bhejte rahiye is par.

Perfect ma'am. Main aapki preference note kar rahi hoon. Ma'am, ek baar jaldi se recap kar deti hoon. Aapki ABC Health Insurance Protect Plus policy issue ho chuki hai. Aapka 10 lakh rupaye ka family floater sum insured hai, jismein aap aur Rohit Malhotra covered hain. Aapka policy document receive ho chuka hai aur policy details verify ho gayi hain. Aapke request par premium breakup, policy schedule, network hospital list aur claim process information share ki gayi hai. Free look information bhi resend karne ki request raise ki gayi hai aur policy servicing tatha renewal reminders ka consent confirm hai. Kya aaj main aapki kisi aur cheez mein help kar sakti hoon?

Nahin, nahin. Bas thank you.

You are most welcome ma'am. ABC Health Insurance ko choose karne ke liye thank you. Hum ummeed karte hain ki aap aur aapka parivaar hamesha healthy rahein. Have a great day ma'am.

Okay, thank you. Bye.

Thank you ma'am. Have a great day.