Dashing December
Dashing December
FLS Initiatives
Announcements
Exciting News! Introducing Maternity Benefit, PA, TTD and Pratiksha Add-ons* in Pivotpoint
(GoHealth Next) and Offline Calculator. 🦜🦜
• Thrilled to announce the launch of two exciting addon features to enhance the product experience for
ManipalCigna Sarvah: Maternity Benefit Add-on, PA, TTD and Pratiksha Add-on.
1. Maternity Benefit Add-on with Sarvah Uttam
– Hospitalization coverage, offering up to 20% of the SI, up to max of Rs. 5 Lakhs. To qualify, the
female adult insured person must be covered under the base policy and maternity benefit for
at least 36 months before availing this benefit.
2. Pratiksha Add-on with Sarvah Param
– If you opt for this optional cover, then a 24 month waiting period will be applied on specific
disease/procedure and 30 days on initial waiting period.
1st Dec’24 – 31st dec’24
Earn Credit on Sarvah in
Applicable to Product Zone 1 & 2 in following locations
Product Zone 1 – Definition: Ahmedabad, Vadodara, Surat, Delhi, South Delhi, North Delhi, Gurgaon, Noida, Meerut, Mumbai –
Branch, Thane, Borivali
Product Zone 2 – Definition: Hyderabad, Dilsukhnagar, Kolkata, Kolkata Garihat, Kankurgachi, Candigarh, Ludhiana, Jammu,
Bangalore, Bangalore-2, Bangalore – 3, Chennai, Chennai-2, Pune, Pune-2
This credit is not applicable to commission in SIP and any other contest
Applicable to FLS
Login: Dec’24 – Feb’25
Issuance & RCD : Feb’25
National Trip to Aamby Valley
Applicable to FLS
Login: Dec’24 – Feb’25
Issuance & RCD : Feb’25
Applicable To FLS in Vintage & Designation NBP Target Reward Gate Criteria
New Agency 0-6 months Vintage 6,00,000
New Agency 7-12 months Vintage 7,50,000
>= 3 code in contest
Emerging Agency & Lateral SAM+ <24 M Vin National Trip to period with min
15,00,000
AO, AAM, AM >24M Vin Aamby Valley 15,000 NBP per new
code
Vintage SAM 18,00,000
Vintage KAM, Sr KAM, ABM, BM, SBM 25,00,000
FR Gate Criteria
75% collection of First Renewal (FR) on due IPMI NOP from 1st Nov’24– 31st Jan’25**
Only IPMI policies will be considered
Coding period 1st – Dec’24 – 28th Feb’25 shall be considered , irrespective of ARF login day
Vintage as on 1st Dec’24 shall be considered for the contest period
Applicable to FLS
Login: Dec’24 – Feb’25
Issuance & RCD : Feb’25
Terms and Conditions:
Login 1st Dec’24 – 28th Feb’25 and Issuance from this till 28th Feb’25
100% Credit on TSE DM Business
Product Grid applicable and RCD till 28th Feb’25
Group Business not applicable
Upsell applicable
Cancellation, Rejections, Terminations, Cheque bounce will not be considered for the final reward calculations
Applicable to AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM
Login:1st Dec’24 – 31st Dec’24
Business Development Allowance
New Agency Emerging Vintage
Active Agent Vin 0-12M Agency Vin>12 (SAM/KAM+)
2-3 ₹ 1,000/- - -
3–4 ₹ 1,500/- ₹ 1,500/- -
5–6 ₹ 2,000/- ₹ 2,000/- ₹ 2,000/-
8 ₹ 4,000/- ₹ 4,000/- ₹ 4,000/-
12 ₹ 6,000/- ₹ 6,000/- ₹ 6,000/-
15 ₹ 9,000/- ₹ 9,000/- ₹ 9,000/-
Active will be counted with cumulative NBP ₹15,000
Advisors coded in Jul’24 – Dec’24 will get double credit on Activation in Dec’24
Terms and Conditions
Logins from 1st Dec’24 – 31st Dec’24 & Issuance from this till 31st Dec’24 will be considered
Risk Start Date should be on or before 31st Dec’24
Group Business shall not be considered.
Product Grid applicable, Conditions apply**
All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
This is on NBP net of Taxes
Agent Activation Definition is >= ₹15,000/- cumulative NBP net of Taxes
Upsell (Additional premium) at the time of renewal premium collection to be treated as New Business Premium (NBP)
Upsell will be considered as NBP only for Upsell (additional) premium received over & above due premium at the
time of renewal and will be applicable on renewal premiums received on or after 1st April 2020 and subject to getting
issued
Conveyance for all sourcing managers will now be termed as Business Development Allowance (BDA)
BDA will be based on Agent Activation as per contest grid.
BDA will be paid in the subsequent month of performance. For e.g. For Nov’24, BDA will be credited to salary cycle of Dec’24.
*Taxes applicable as per Income Tax rules
Manager should be active in the system at the time of disbursement of BDA
All Rewards are subject to applicable taxes and deduction & to be borne by the Qualifiers
Management reserves the right on modification, alteration, withdrawal with or without notice
GALAXY OF STARS
PERIOD: 1ST Dec’24 – 31st Dec’24
LEVEL DURATION NBP CRITERIA
Criteria for Agents
PAYOUT
Duration from Payout per Level
Level
Agent Coding (in Rs.)
NBP
₹ 15,000 NBP ₹ 500/-
₹ 30,000 NBP ₹ 500/-
M0 to M3
₹ 50,000 NBP ₹ 800/-
₹ 1,00,000 NBP ₹ 1,200/-
FLS will not get GOS payout for advisors mapped to TSE/DM.
Galaxy of Stars incentive will be computed on no. of agents qualifying for Galaxy of Stars in a particular month
Product credit or any other credits will not be applicable for computation of Galaxy of Stars
New agents recruited by Development Manager and TSE will not be considered
All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
For calculation purpose, in each month a pool of agents coded in respective previous months and completing the criteria by end of
current month are eligible for qualification in each month
Gate criteria is not applicable for Galaxy of Stars incentive
Millionaire’s
Club
AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM/RBDM
Login 1st Dec’24 – 31st Dec’24
Issuance till 31st Dec’24
AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM/RBDM
Millionaire’s
Login 1st Dec’24 – 31st Dec’24
Club
Issuance till 31st Dec’24
NBP Target Reward
10,00,000 Trophy by CDO
• This is applicable to AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM/RBDM
• Only directly sourced business shall be considered for RBDM
• Logins from 1st Dec’24 – 31st Dec’24 & Issuance from these Logins till 31st Dec’24 would be considered
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• RCD not applicable
• Product Grid not applicable
• Managers should be active in the system at the time of Disbursement of Rewards.
• Cancellation/Rejection/Cheque Bounce/Termination will not be considered
• Subject to Management discretion
Applicable to Managers Joined after 16th May’24
Login 1st Dec’24 – 31st Dec’24
Monthly SIP Structure <6M Vintage
Gate Criteria: 1 Code in Dec’24
Target Reward
30,000 NBP ₹ 1,500
50,000 NBP ₹ 2,500
75,000 NBP ₹ 5,000
1,00,000 NBP ₹ 7,000
> 1,00,000 NBP 5%
*Payout shall be on the basis of Weighted premium as per product grid
Payout will be as per respective SIP grid. All other Terms and Conditions apply.
EXAMPLE OF MONTHLY INCENTIVE CALCULATION EXAMPLE OF QUARTERLY CORRECTION CALCULATION
Exampl NBP Exampl NBP
GATE Reward GATE Reward
es Achieved es Achieved
1 ₹ 75,000 Met ₹ 5000 1 ₹ 93,000 Met ₹ 4,500
2 ₹ 50,000 Met ₹ 2500 2 ₹ 1,76,000 Met ₹ 7,500
3 ₹ 85,000 Met ₹ 5000 3 ₹ 2,46,000 Met ₹ 15,000
₹ 7000 + ₹ 1000 ₹ 21,000 + ₹ 600
4 ₹ 120,000 Met (5% of 20,000) = ₹ 4 ₹ 3,12,000 Met (5% of 12,000) = ₹
8000 21,600
5 ₹ 25,000 Met ₹0 5 ₹ 83,000 Met ₹0
6 ₹ 30,000 Not Met ₹0 6 ₹ 1,30,000 Not Met ₹0
Terms and Conditions
This SIP (Sales Incentive Plan) is applicable from 1st Dec’24 to 31st Dec’24 & applicable for Managers Joined after 16th May’24
Policy Issuance till 31st Jan’25
All retail business sourced by active TSE/DM will be given 60% credit in SIP and group business will be given 100% credit in SIP.
M0 Business will be considered in M1
Product grid shall be applied on Proposer’s sum assured in IPMI multi individual policies for payout
Employer-Employee Group Business (GMC/GPA/GCI) will get 50% credit on NBP or maximum capping of 2L per case
Policies not considered in previous SIP, but RCD falls in current SIP’s issuance period will be considered for final computation
All group renewal business will be considered as NB as per the Issuance month.
All computation will be based on Issuances for the month, irrespective of login dates
All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
The payment of contest will be done in Feb’25
All respective gate criteria should be met to be eligible for the incentives wherever applicable
Upsell premium at the time of renewal will include increase in sum insured, new member addition, rider attachment & removal of high
deductible, voluntary co-pay, age co-pay
Upsell will exclude Change in tenure (premium pay-term) of the policy, Employer-Employee Group Business (GMC/GPA/GCI) & change in policy
number on account of change in Product/UIN at the time of renewal.
UPSELL BUSINESS TO BE CONSIDERED AS NB as per the Issuance month without any product grid
Issued premium will be net of cheque bounce, rejections and cancellations, irrespective of login dates
Any policies with RCD beyond login and issuance time, will be considered in current month SIP computation
Subject to Tax Rules and Regulations
Subject to Management discretion
Exclusions:
- SIP payout will not be applicable on Premier Channel Advisors
- SIP payout of Premier Channel Advisors will be separately paid.
- Premier Channel Advisors NBP will not be counted in SIP slab calculations
Applicable to Managers joined before 16th May’24
Login 1st Dec’24 – 31st Dec’24
Sales Incentive Plan Payout >6M Vintage
PMS Salary Multiple Vintage >6M
Quarterly
Designation / AO/AAM/AM/SAM/ Business Monthly Incentive
Correction as % of
Vintage KAM/SKAM/ABM/BM/SBM Weighted NBP as % of NBP*
NBP*
>M49 10X 90% 3.00% 3.00%
M37-M48 10X 100% 4.00% 3.00%
M31-M36 9X 125% 5.00% 4.00%
M25-M30 9X
150% 6.00% 5.00%
M19-M24 8X
200% 7.00% 6.00%
M13-M18 7X
M10-M12 6X
M7-M9 5X
20% additional credit on FR NOP tenure upgrade persistency in renewal gate criteria
Sales Incentive Plan Payout Gate Criteria
Gate Criteria to earn any of the two incentives : Monthly incentive basis monthly CTC and Renewal incentive
Vintage Gate Criteria 1 Gate Criteria 2 Gate Criteria 3
M7-M12 4 active per month
M13-M24 6 active per month First Renewal NOP @75% 1 Code
>=M25 8 active per month
Active agent will be defined as agent with minimum cumulative NBP of ₹ 15,000 excluding taxes during the month
FR Gate Criteria
75% collection of First Renewal (FR) on due IPMI NOP from 1st Nov’24 – 30th Nov’24**
OR
75 % collection of IPMI First Renewal (FR) on due IMPI NOP of Trailing 6 months from 1st Jun’24 – 30th Nov’24**
Only IPMI policies will be considered
FLS with <65% First Renewal NOP persistency will not be eligible for incentive
Policy Downgrade of RP >20% shall not be considered in FR Collection
Penalty on Non Achievement of gates
• 1 Gate - 20% incentive deduction from total incentive earned
• 2 Gates - 35% incentive deduction from total incentive earned
• 3 Gates - 50% incentive deduction from total incentive earned
EXAMPLE OF MONTHLY INCENTIVE CALCULATION
For e.g. In case CTC for Manager excluding Conveyance & Mobile reimbursements is Rs.3,00,000/- p.a., then monthly CTC will be
calculated as:
Rs.3,00,000 Annual Gross Salary / 12 months = Rs.25,000/- Gross CTC per month
Monthly incentive target will then apply on Rs.25,000/- in the above example
Please refer below table to understand the logic for monthly incentive calculation:
Minimum monthly
Vintage Minimum Multiple of Weighted NBP % Business Incentive
Monthly weighted NBP Target % of NBP
Examples Designation basis Date Vintage Band Monthly CTC to earn Monthly Weighted NBP Earned (D
CTC (A) to earn incentive basis grid (E)
of Joining incentive (B) Achievement (D) Achievement * E)
(A*B= C)
7 times of monthly
1 25000 AO M21 M19 – M24 175000 175000 100% 4% ₹ 7,000
CTC
6 times of monthly
2 30000 AAM M18 M13 - M18 180000 225000 90% 5% ₹ 11,250
CTC
8 times of monthly
3 40000 SAM M32 M31 – M36 320000 256000 80% NIL NIL
CTC
Note:
Weighted NBP would mean NBP post all applicable credits including product credits as applicable from time to time
Incentive will be applicable subject to gate criteria being met wherever applicable
Terms and Conditions
• This SIP (Sales Incentive Plan) is applicable from 1 st Dec’24 to 31st Dec’24 & applicable for Managers Joined before 16 th May’24
• Issuance till 31st Jan’25
• Active agent will be defined as agent with minimum cumulative NBP of ₹ 15,000 excluding taxes during the month
• All retail business sourced by active TSE/DM will be given 60% credit in SIP and group business will be given 100% credit in SIP
• Product grid shall be applied on Proposer’s sum assured in IPMI multi individual policies for payout
• Employer-Employee Group Business (GMC/GPA/GCI) will get 50% credit on NBP or maximum capping of 2L per case
• Policies not considered in previous SIP, but RCD falls in current SIP’s issuance period will be considered for final computation
• All Qualification are subject to 75% renewal collection of 1st Renewal on due IPMI NOP from 01st Oct’24 to 31st Oct’24 or 75% collection of
First Renewal on due IPMI NOP of Trailing 6 months from 1st Jun’24 – 30th Nov’24**
• Policy Downgrade of RP >20% shall not be considered in FR Collection
• All group renewal business will be considered as NB per the Issuance month.
• All computation will be based on Issuances for the month, irrespective of login dates
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• The payment of contest will be done in Feb’25
• All respective gate criteria should be met to be eligible for the incentives wherever applicable
• Monthly SIP targets are basis multiple of monthly CTC and vintage mentioned is as per date of joining
• E.g.: In case a manager in Jul’24 is at M9, then Multiple of monthly CTC as per M9 will be considered
• Upsell premium at the time of renewal will include increase in sum insured, new member addition, rider attachment & removal of high deductible, voluntary co-pay, age co-pay
• Upsell will exclude Change in tenure (premium pay-term) of the policy, Employer-Employee Group Business (GMC/GPA/GCI) & change in policy number on account of change in
Product/UIN at the time of renewal.
• UPSELL BUSINESS TO BE CONSIDERED AS NB as per the Issuance month without any product grid
• Issued premium will be net of cheque bounce, rejections and cancellations, irrespective of login dates
• Any policies with RCD beyond login and issuance time, will be considered in current month SIP computation
• Management reserves the right of changes in SIP as and when deemed necessary
Subject to Tax Rules and Regulations
Subject to Management discretion
Exclusions:
- SIP payout will not be applicable on Premier Channel Advisors
- SIP payout of Premier Channel Advisors will be separately paid.
- Premier Channel Advisors NBP will not be counted in SIP slab calculations
Manager Payout
Premier Channel Advisor
Manager Payout – Premier Channel (PC) Advisor
Applicable To – All FLS with PC Advisors
Monthly Incentive Quarterly Correction Grid
Incentive Reward NBP Percentage
Monthly Payout 1% 5,00,000 1.5%
10,00,000 & above 2%
All qualification are subject to
• 75% collection of First Renewal (FR) on due IPMI NOP from 1st Nov’24 – 30th Nov’24**
OR
• 75% collection of First Renewal (FR) on due IPMI NOP of Trailing 6 months from 1st Jun’24 – 30th Nov’24**
Policy Downgrade of RP >20% shall not be considered in FR Collection
All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
Only IPMI policies will be considered
Terms and Conditions
• *Product Grid applicable
• PC agent will be calculated in BDA calculation
• BDA – Business Development Allowance applicable *
Following initiatives are excluded and will get zero credit: • 100% NBP credit applicable on PMS
• SIP – Sales Incentive Plan • 20% additional credit on FR NOP tenure upgrade
• GOS – Galaxy of Stars persistency in renewal gate criteria
• RnR Contests
• All clubs and LTRP PC and PRM business will be applicable
AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM
Renewal Due Book Considered Nov’24
Issuance till 31st Dec’24
Applicable AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM
Renewal Due Book Considered Nov’24
Issuance till 31st Dec’24
FR NOP Target Reward
78% 1%
82% 1.5%
Note: Incentive Capped at Max Rs.15,000 per month
• This is applicable to AO/AAM/AM/SAM/ KAM/ SKAM/ ABM/ BM/ SBM
• For calculation of pending renewal slabs , renewal policies due from Nov’24 book collected and issued till 31 st Dec’24 will be
considered
• Mapping as on 1st Dec’24 will only be considered
• All rewards are subject to applicable taxes borne by the Qualifiers. The rewards will be credited along with the Jan’25 salary.
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• Managers should be active in the system at the time of Disbursement of Rewards.
• Cancellation/Rejection/Cheque Bounce/Termination will not be considered
• Management reserves the right of Change, Modification, Withdrawal with or without notice
FLS Credit on Payout
FLS Credit on Payout Parameter Direct Agent PC TSE DM
NBP 100% 100% 60%
Active 100% 100% 100%
PMS GOS 100% 100% 100%
Coding 100% 100% 100%
Renewal 100% 100% 100%
NBP 100% 1-2% Flat Incentive 60%
SIP
Active 100% 0 100%
BDA Active 100% 100% 100%
GOS GOS 100% 100% 0%
Renewal Payout FR- PR 100% 100% 100%
Contest NBP 100% 100% 60%
Clubs NBP 100% 100% 60%
LTRP GWP 100% 100% 100%
The following
Product Grid
Shall be applicable to
all Initiatives for Dec’24
Product Grid – Same as Aug’24
CAT 1: Delhi, Gujarat & Nashik
Product Sum Insured
Contest Credit Commission
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 0% 0%
Prohealth >=7.5Lac 0% 0%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 0% 0%
Prime >=7.5Lac 0% 0%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
Lifetime Health All Sum Insured 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prime Senior >=7.5Lac 100% 17.5%
>=10 lac 100% 17.5%
>=12.5 lac 100% 17.5%
Benefit Product/ STU All Sum Insured 100% 15%
Sarvah – Pratham All Sum Insured 100% 15%
Sarvah – Uttam All Sum Insured 100% 17.5%
Sarvah - Param All Sum Insured 100% 20%
• Definition:
CAT 1 – Delhi & NCR ,Gujarat & Nashik
CAT 2 – Mumbai & Pune
CAT 3 - Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Meerut
CAT 4 - Rest of India excluding the locations mentioned under CAT 1,2 & 3
• Product grid to be defined every month
• Products excluded: Corona Kavach, Corona Rakashak, ProHealth Accumulate, Preferred, Select, ProHealth Cash, Arogya Sanjeevani, No Contest and No Commission will be
applicable
Product Grid – Same as Aug’24
CAT 2: Mumbai, Pune
Product Sum Insured
Contest Credit Commission
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prohealth >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prime >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
Lifetime Health All Sum Insured 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prime Senior >=7.5Lac 100% 17.5%
>=10 lac 100% 17.5%
>=12.5 lac 100% 17.5%
Benefit Product/ STU All Sum Insured 100% 15%
Sarvah – Pratham All Sum Insured 100% 15%
Sarvah – Uttam All Sum Insured 100% 17.5%
Sarvah - Param All Sum Insured 100% 20%
• Definition:
CAT 1 – Delhi & NCR ,Gujarat & Nashik
CAT 2 – Mumbai & Pune
CAT 3 - Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Meerut
CAT 4 - Rest of India excluding the locations mentioned under CAT 1,2 & 3
• Product grid to be defined every month
• Products excluded: Corona Kavach, Corona Rakashak, ProHealth Accumulate, Preferred, Select, ProHealth Cash, Arogya Sanjeevani, No Contest and No Commission will be
applicable
Product Grid – Same as Aug’24
CAT 3: Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Meerut
Product Sum Insured
Contest Credit Commission
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 100% 15%
Prohealth >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 100% 15%
Prime >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
Lifetime Health All Sum Insured 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prime Senior >=7.5Lac 100% 17.5%
>=10 lac 100% 17.5%
>=12.5 lac 100% 17.5%
Benefit Product/ STU All Sum Insured 100% 15%
Sarvah – Pratham All Sum Insured 100% 15%
Sarvah – Uttam All Sum Insured 100% 17.5%
Sarvah - Param All Sum Insured 100% 20%
• Definition:
CAT 1 – Delhi & NCR ,Gujarat & Nashik
CAT 2 – Mumbai & Pune
CAT 3 - Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Meerut
CAT 4 - Rest of India excluding the locations mentioned under CAT 1,2 & 3
• Product grid to be defined every month
• Products excluded: Corona Kavach, Corona Rakashak, ProHealth Accumulate, Preferred, Select, ProHealth Cash, Arogya Sanjeevani, No Contest and No Commission will be
applicable
Product Grid – Same as Aug’24
CAT 4: Rest of India excluding the locations mentioned under CAT 1,2,3
Product Sum Insured
Contest Credit Commission
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 100% 15%
Prohealth >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 100% 15%
Prime >=7.5Lac 100% 15%
>=10 lac 100% 15%
>=12.5 lac 100% 15%
Lifetime Health All Sum Insured 100% 15%
3lac,3.5lac,4lac,4.5lac 0% 0%
5lac, 5.5lac 50% 7.5%
Prime Senior >=7.5Lac 100% 17.5%
>=10 lac 100% 17.5%
>=12.5 lac 100% 17.5%
Benefit Product/ STU All Sum Insured 100% 15%
Sarvah – Pratham All Sum Insured 100% 15%
Sarvah – Uttam All Sum Insured 100% 17.5%
Sarvah - Param All Sum Insured 100% 20%
• Definition:
CAT 1 – Delhi & NCR ,Gujarat & Nashik
CAT 2 – Mumbai & Pune
CAT 3 - Bangalore, Hyderabad, Chennai, Chandigarh, Ludhiana, Kolkata, Meerut
CAT 4 - Rest of India excluding the locations mentioned under CAT 1,2 & 3
• Product grid to be defined every month
• Products excluded: Corona Kavach, Corona Rakashak, ProHealth Accumulate, Preferred, Select, ProHealth Cash, Arogya Sanjeevani, No Contest and No Commission will be
applicable
