Dashing December
Dashing December
Advisor/IMF
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 AIP and any other contest
1st Dec’24 – 31st
dec’24
Advisor Incentive Plan (AIP) + Commission
Applicable to Agent and IMF
Login: 1st Dec’24 – 31st Dec’24, Issuance & RCD - 31st Jan’25
Weighted NBP Slab (WNBP) Commission + Reward Additional Commission for below products
₹ 8,00,000 & Above 40.00% Product Name Commission
₹ 6,00,000 - ₹ 7,99,999 37.00% Prime Senior + 2.5%
₹ 4,00,000 - ₹ 5,99,999 33.50% Sarvah Uttam + 2.5%
₹ 2,00,000 - ₹ 3,99,999 30.00% Sarvah Param + 5.0%
₹ 1,25,000 - ₹ 1,99,999 26.50%
₹ 75,000 - ₹ 1,24,999 22.00%
CONTEST CRITERIA
< ₹ 75,000 15.00% ❑ All policies will be considered for WNBP slab calculations
❑ Payouts applicable for Non Port Policies only
Policy Downgrade of RP >20% shall not be considered ❑ Payment of AIP + Commission for long term policies ( with
in FR Collection term > 1 year) will be made on 1/N method.
❑ Where “N” is tenure of policies i.e 1, 2 or 3 years
20% additional credit on FR NOP tenure upgrade ❑ Refer example slide for detailed calculations
persistency in renewal gate criteria ❑ Product Grid will be applicable for calculation of slab
calculation
Payout Cycle in 1/N Method
Commission + AIP Payout cycle Year 1 Year 2 Year 3
1 year policies 100% - -
2 year policies 50% 50% -
3 year policies 33% 33% 33%
CONTEST CRITERIA
❑ All computation of commission will be based & paid on 1/N basis in the month and year of realization of the
policy
❑ For premiums collected with 1 year tenure - = NBP/1
❑ For premiums collected with 2 year tenure - = NBP/2
❑ For premiums collected with 3 year tenure - = NBP/3
❑ All computation will be on Non Port business only
TERMS & CONDITIONS
• This incentive plan is applicable to Advisors/IMF Only
• Login from 01st Dec’24 – 31st Dec’24 and issuance till 31st Jan’25 & Risk start date till 31st Jan’25 will only be considered
• Policies not considered in previous AIP, but RCD falls in current AIP’s issuance period will be considered for final computation
• Payout shall be basis the actual weighted premium as per product grid
• NBP net of Taxes will be considered, and all retail product will be considered & product grid will be applicable
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• Product grid shall be applied on actual policy sum assured and not based on total Sum assured of family in IPMI multi individual policies for
payout
• 2 & 3-Years Premium will be included for NBP slab calculations
• Group Policies will not be considered
• All Qualification are subject to 75% renewal collection of 1st Renewal on due IPMI NOP from 01st Nov’24 to 30th Nov’24 or 75% collection of First
Renewal on due IPMI NOP of Trailing 6 months from 1st Jun’24 – 30th Nov’24** and collection till 31st Dec’24
• Policy Downgrade of RP >20% shall not be considered in FR Collection
• Reward Amount will be credited in the Bank Account of the Qualifiers in Feb’25
• Advisor should be active in the system at the time of disbursement of rewards
• 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.
• 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
Applicable to Advisor & IMF
Login: 1st Dec’24 to 31st Dec’24
Issuance: 31st Jan’25
FR GATE NOT APPLICABLE
ROAR TO GLORY
Applicable to Advisor & IMF
Login: 1st Dec’24 to 31st Dec’24
Issuance: 31st Jan’25
NBP Slab Reward
₹ 2,50,000 - ₹
Regional Trip for 2
4,00,000
₹ 1,25,000 - ₹
Regional Trip
2,49,999
Terms & Conditions
• Login from 01st Dec’24 – 31st Dec’24 and issuance till 31st Jan’25 & Risk start date till 31st Jan’25 will only be considered
• The payment of contest will be done in Feb’25.
• NBP net of Taxes will be considered, and all retail product will be considered & product grid will not be applicable
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• 2 & 3-Years Premium will be included for NBP slab calculations.
• Group Policies will not be considered
• Advisor should be active in the system at the time of disbursement of rewards
• 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.
• 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
Langkawi
Langkawi
Applicable to Advisors/IMF
Login Period: 1st Oct’24 – 28th
Langkawi
Applicable to Advisors/IMF
Login Period: 1st Oct’24 – 28th Feb’25
Retail NBP Reward
10,00,000 Langkawi 3N/4D – 1 Seat
20,00,000 Langkawi 3N/4D – 2 Seats
Gate Criteria:
• 75% collection of First Renewal on due IPMI NOP of Trailing 5 months from 1 st Sep’24 – 31st Jan’25
• Qualification is subject to Trailing 12 Month(TTM) IPD Loss ratio being <=60%
• Renewal IPMI Definition: Polices of ProHealth, Prime, Prime Senior and Lifetime heath will be considered in due
and collection for FR Gate Criteria
Product Grid Applicable
20% additional credit on FR NOP tenure upgrade persistency in renewal gate criteria
Langkawi
Terms and Conditions
• This is applicable to Advisor/IMF
• Logins from 1st Oct’24 – 28th Feb’25 & Issuance from this till 31st Mar’25 will be considered
• This will be on NBP net of taxes . Product Grid is applicable
• Group Policies will not be considered
• All cases lapsed in Renewal Premium and logged as NBP will not be considered in any contest
• Qualification is subject to Trailing 12 Month(TTM) IPD Loss ratio being <=60%
• Risk Start Date should be on or before 31st Mar’25
• Gate Criteria: 75% collection of First Renewal on due IPMI NOP of Trailing 5 months from 1st Sep’24 – 31st Jan’25
• For the purpose of 1st Renewal Calculations all policies where 1 st renewal is due irrespective of policy term will be considered
For e.g. A 1 year policy issued in Mar’24, 2 year policy issued in Mar’23 & 3 year policy issued in Mar’22 will form part of 1 st
renewal due bucket of Mar’25
• 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.
• Qualifier should be active in the system at the time of disbursement of rewards to be eligible
• Cancellation/Rejection/Cheque Bounce/Termination will not be considered
• Management reserves the right on modification, alteration, withdrawal with or without notice
Product Grid Applicable
Make a mark with an extraordinary performance and gain entry to the
League of Heroes by winning over an opportunity that honors you with
Pride and Glory
Advisors/IMF
Duration: 1st April 2024 to 31st March
2025
HOH –
India
Kashmir
International
Maasai Mara
Heroes of Health 2024 – 25 Structure
Good News !!! Minimum
Fresh NBP criteria Waived off
Club NBP Target 1 (in ₹) Min Fresh NBP
Fresh
NBP Target 2 (in ₹)
Training Conclave Seats
15,00,000 7,50,000 12,00,000 3N/4D Kashmir 1
24,00,000 12,00,000 20,00,000 3N/4D Kashmir 2
30,00,000 15,00,000 23,00,000 3N/4D Masai Mara , Kenya 1
40,00,000 20,00,000 30,00,000 5N/6D Masai Mara , Kenya 1
45,00,000 22,50,000 35,00,000 3N/4D Masai Mara , Kenya 2
55,00,000 27,50,000 OR 40,00,000 5N/6D Masai Mara , Kenya 2
75,00,000 35,00,000 55,00,000 5N/6D Masai Mara , Kenya 3
85,00,000 42,50,000 75,00,000 5N/6D Masai Mara , Kenya 4
1,00,00,000 50,00,000 1,00,00,000 5N/6D Masai Mara , Kenya 5
1,25,00,000 62,50,000 1,25,00,000 5N/6D Masai Mara , Kenya + Car 5
1,50,00,000 75,00,000 1,50,00,000 5N/6D Masai Mara , Kenya + Car 5
Either NBP Target 1 or NBP Target 2 , whichever is achieved and higher will be applicable Every additional 10 lac NBP above 1.5
Car worth Rs.4,75,000 – For slab 1,25,00,000/- & Car worth Rs. 7,80,000 – For slab 1,50,00,000/- Crore slab will get ₹ 50,000
SARVAH – PRODUCT GRID
Sarvah HOH 2024-25 OCT’24 AIP CDO Club
Pratham 100% 100% 100%
Uttam 100% 100% 100%
Param 100% 100% 100%
The Jewels of ManipalCigna Heroes of Health
Book Value Minimum New
Slab 1 * Slab 2 *
(Total GWP for HOH Business Premium
@ 80% 1st Renewal @ 90% 1st Renewal
Period) for Club Period
₹50,00,000/- ₹ 50,00,000/- 0.75% of Book Value 1.25% of Book Value
₹75,00,000/- ₹ 50,00,000/- 1.00% of Book Value 1.50% of Book Value
₹1,00,00,000/- &
₹ 50,00,000/- 1.50% of Book Value 2.00% of Book Value
Above
* For Agents with Renewal Book less than 5lacs during the contest period will get payout as per Slab 1
Book Value definition:
Gross Weighted Premium (GWP) = New Business Premium (NBP) + Renewal Premium) (RP)
Issued during the Heroes of Health contest Period
CEO Excellence Award – Claim Ratio
Active GWP for Club Advisor Vintage Claim Ratio HOH - Qualifiers
Period
>= ₹ 1,00,00,000/- >= 4 years < 60% Rank 1-3
>= ₹ 50,00,000/- < 4 years < 40% Rank 1-3
• Active GWP – Definition : Active GWP as on Mar’2025
• Claim Ratio: Qualification is subject to Trailing 12 Months (TTM) IPD (In patient Hospitalization)
• Trailing Twelve Month claim ratio will be calculated on incurred claims, in proportion to earned premium (GEP)
• Advisor Vintage >= 4 years definition : Advisor coded on or before Mar’2021
• Advisor Vintage < 4 years definition : Advisor coded on or after Apr’2021
CEO Excellence award is
applicable only to
Heroes of Health qualifiers
CEO Excellence Award – Renewal Premium
Minimum Due Premium for Renewal Type NOP Renewal % HOH - Qualifiers
Club Period
₹ 10,00,000/- First Renewal >= 85% Rank 1-3
₹ 20,00,000/- Portfolio Renewal >= 90% Rank 1-3
• First Renewal Definition : For the purpose of 1st renewal calculation, all policies where 1st renewal premium is
due irrespective of policy term will be considered. For E.g. A 1-year policy issued in Apr’23, 2-year policy issued in
Apr‘22 & 3-year policy issued in Apr’21 will form part of the 1st renewal due bucket of Apr’24
• Portfolio Renewal Definition: For the purpose of portfolio renewal calculation, all policies where renewal premium
is due irrespective of policy term will be considered
• Renewal Premium Due from 1st April 2024 to 31st March 2025 & enforced till 30th April 2025 will be considered for
both the condition of 1st renewal premium & portfolio renewal premium
CEO Excellence award is
applicable only to
Heroes of Health qualifiers
GATE CRITERIA
A. Renewal Premium Collection Gate Criteria: Qualification is subject to 78% on 1st renewal premium collection or 85%
on portfolio renewal collection and policies getting enforced
i. Renewal Premium Due from 1st April 2024 to 31st March 2025 & enforced till 30th April 2025 will be considered for
both the condition of 1st renewal premium & portfolio renewal premium
ii. For the purpose of 1st renewal calculation, all policies where 1st renewal premium is due irrespective of policy
term will be considered. For E.g. A 1-year policy issued in Apr’23, 2-year policy issued in Apr‘22 & 3-year policy
issued in Apr’21 will form part of the 1st renewal due bucket of Apr’24.
iii. For the purpose of portfolio renewal calculation, all policies where renewal premium is due irrespective of policy
term will be considered
B. Loss ratio Gate Criteria:
iv.Qualification is subject to Trailing 12 Months (TTM) IPD Loss ratio being <=60% on occurrence
Terms & Conditions
• ManipalCigna Heroes of Health is applicable only for appointed agents of ManipalCigna Health Insurance Co. Ltd.
• Logins from 1st April’2024 – 31st March’2025 & issuance from these logins till 30 th April’2025 will be considered
• Risk Start till 15th May’2025
• ManipalCigna Heroes of Health 2024-25 is on New Business Premium (NBP) net of Taxes. 2 years & 3 years premium
will be included for calculation
• Product Grid Applicable on New Business subject to revision from time to time
• GMC/ GPA policies will get 50% credit up to maximum of Rs.2,00,000 NBP net of taxes per policy
• Group MHA policies >= Rs.25,000 NBP net of taxes will be considered
• For agents qualifying for the car as reward, Lower of Ex- Showroom (Delhi) price of the car (Base Model Petrol) or rupee
value as mentioned in respective slabs will be reimbursed. All taxes applicable as per prevalent tax laws, registration
charges, Insurance charges, Road Tax etc. will be borne by the qualifying agent.
• Maximum contribution of the company towards
• Maruti Suzuki S Presso Car will be Rs.4,75,000/- or actual whichever is lesser
• Hyundai Venue Car will be Rs.7,80,000/- or actual whichever is lesser
• In case any announced vehicle model is not available during reward settlement, then vehicle model of equivalent worth
will be reimbursed
Terms & Conditions
• Upsell premium collected at the time of renewal will be counted as NBP for ManipalCigna Heroes of Health
• Upsell premium will include the following:
• Change due to increase in sum insured, new member addition, rider attachment, removal of deductible,
removal of co-pay (voluntary or age) & any migration to different product
• Upsell Premium will exclude
• Change in tenure (premium pay-term) of the policy, Employer-Employee Group Business(GMC/GPA/GCI).
• Product grid shall be applied on Proposer’s sum assured in IPMI multi individual policies for payout
• All rewards will be subject to applicable taxes & deductions including 194 (R)
• Cancellation, Rejections, Terminations, Cheque bounce will not be considered
• Travel will be subject to government regulations and rules of the respective country
• Travel will be based on hub to hub basis only
• In case of multiple seat winners only qualifiers immediate family members will be allowed
• Encashment & transfer of qualifier seat will not be permitted
• Management reserves the right on change/ modification/ withdrawal with or without notice
Jewels Terms & Conditions
• Only Retail Product Premium will be considered for GWP Calculations of The Jewels of
ManipalCigna Heroes of Health
• Book Value is defined as active Gross Weighted Premium (New Business + Renewal Premium)
as on 1st April’2025
• Product Grid Applicable on New Business subject to revision from time to time
Thank You
Applicable to Advisors/IMF – Coded in the month of Aug’24 – Nov’24
Effective April’24,
the mentioned GOS Rewards shall be applicable to Advisors
NBP Criteria (Excluding GST)
Desktop
15,000 Organizer
Stationery
30,000 Kit
Business
50,000 Folder
Business
100,000
Kit
Management reserves the right on modification, alteration, withdrawal with or without notice
The following
Product Grid
Shall be applicable to
all Initiatives for Dec’24
Product Grid
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
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
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
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
