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TABLE OF CONTENTS

1. TITLE PAGE.

2. ACKNOWLEDGEMENT.

3. INTERNAL GUIDE CERTIFICATE.

4. COMPANY TRAINING CERTIFICATE.( Scanned !"#$#c#!%&

'. EECUTI)E SUMMARY.

*. LIST OF CONTENTS.(+en$,#n,n- !a-e n+/e0&

. LIST OF TALES AND FIGURES. (+en$,#n,n- !a-e n+/e0&

. O5ECTI)E OF T6E STUDY.

7. INTRODUCTION.

18. MET6ODOLOGY.

11. FINDINGS.

12. ANALYSIS OF FINDINGS.

13. CONCLUSION.

14.  RECOMMENDATIONS.

1'. ILIOGRAP6Y OR REFERENCES.

1*. ANNEURES.( Eg.Questionnaire , Addresses of contacted

persons, Company iterature , !roduct iterature etc. "

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OB#ECT$%E OF T&E ST')

T"e !0#9ec$ dea: ;,$" $"e c$#+e0 0<e% #n +ed,ca: ,n0ance= de$a,:ed $d% #> 

$"e -ene0a: ,n0ance ,nd$0%= e<a:a$,n- !0#!ec$ #> c0# a:e ? e::,n- "ea:$"

,n0ance ? ,e 0e-a0d,n- 0#::#<e0 /,ne. I$ a:# $d,e $"e ,nd,<,da: 6ea:$"

In0ance.

T"e $d% ;a $# de$e0+,ne !0een$ cena0,# 0e-a0d,n-

• T"e a;a0ene a/#$ $"e /a,c IRDA :a,d -,de:,ne >#0 +ed,ca: ,n0ance.

F#0 ,nd,<,da: a ;e:: a -0#!.

• T# de,-n a @e$,#nna,0e $# ae c$#+e0 /e"a<,#0.

• T# "a<e a /0,e> ,dea a/#$ $"e -ene0a: ,n0ance.

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$NT*O'CT$ON

In0ance "a a :#n- ",$#0% ,n Ind,a. L,>e In0ance ,n ,$ c00en$ >#0+ ;a

,n$0#dced ,n 11 ;"en O0,en$a: L,>e In0ance C#+!an% /e-an ,$ #!e0a$,#n ,n

Ind,a. Gene0a: In0ance ;a "#;e<e0 a c#+!a0a$,<e:% :a$e en$0an$ ,n 1'8 ;"en

T0,$#n In0ance c#+!an% e$ ! ,$ /ae ,n K#:a$a.

6,$#0% #> In0ance ,n Ind,a can /e /0#ad:% /,>0ca$ed ,n$# $"0ee e0aB a& P0e

 Na$,#na:,a$,#n /& Na$,#na:,a$,#n and c& P#$ Na$,#na:,a$,#n. L,>e In0ance

C#0!#0a$,#n #> Ind,a ;a >#0+ed /% c#n#:,da$,n- $"e #!e0a$,#n #> <a0,# ,n0ance

c#+!an,e.

Gene0a: In0ance >#::#;ed ,$ and ;a na$,#na:,ed ,n 173. Gene0a: In0ance

C#0!#0a$,#n #> Ind,a ;a e$ ! a $"e c#n$0#::,n- /#d% ;,$" Ne; Ind,a= Un,$ed Ind,a=

 Na$,#na: and O0,en$a: a ,$ /,d,a0,e. T"e !0#ce #> #!en,n- ! $"e ,n0ance

ec$#0 ;a ,n,$,a$ed a-a,n$ $"e /ac-0#nd #> Ec#n#+,c Re>#0+ !0#ce ;",c"

c#++enced >0#+ 1771. F#0 $", !0!#e Ma:"#$0a C#++,$$ee ;a >#0+ed d0,n- $",

%ea0 ;"# /+,$$ed $"e,0 0e!#0$ ,n 1774 and In0ance Re-:a$#0% De<e:#!+en$ Ac$

(IRDA& ;a !aed ,n 1777. Re:$an$:% Ind,an In0ance ;a #!ened >#0 !0,<a$e

c#+!an,e and P0,<a$e In0ance C#+!an% e>>ec$,<e:% $a0$ed #!e0a$,#n >0#+ 2881.

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$N'ST*) !*O'CT CO+!OS$T$ON

48 MOTOR 

21 MISC

28 FIRE

6EALT6

4 ENGG

4 MARINE CARGO

3 MARINE 6ULL

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$NS'*ANCE +A*ET - !*ESENT

T"e ,n0ance ec$#0 ;a #!ened ! >#0 !0,<a$e !a0$,c,!a$,#n >e; %ea0 a-#. F#0 %ea0

n#;= $"e !0,<a$e !:a%e0 a0e ac$,<e ,n $"e :,/e0a:,ed en<,0#n+en$. T"e ,n0ance

+a0e$ "a<e ;,$need d%na+,c c"an-e ;",c" ,nc:de !0eence #> a >a,0:% :a0-e

n+/e0 #> ,n0e0 /#$" :,>e and n#n:,>e e-+en$. M#$ #> $"e !0,<a$e ,n0ance

c#+!an,e "a<e >#0+ed 9#,n$ <en$0e !a0$ne0,n- ;e:: 0ec#-n,ed >#0e,-n !:a%e0

ac0# $"e -:#/e.

CA!$TAL *EQ'$*E+ENTS FO*E$/N !A*T$C$!AT$ON

M,n,++ ca!,$a: 0e@,0e+en$ >#0 d,0ec$ :,>e and N#n:,>e In0ance c#+!an% ,

INR1888 +,::,#n and $"a$ >#0 0e,n0ance c#+!an% , INR2888 +,::,#n. A +a,++

2* >#0e,-n e@,$% $ae , a::#;ed ,n d,0ec$ ,n0ance and 0e,n0ance c#+!an,e. In

$"e 28848' /d-e$= $"e G#<e0n+en$ !0#!#ed >#0 ,nc0ea,n- $"e >#0e,-n e@,$% $ae

$# 47= $", , %e$ $# /e e>>ec$ed.

T"e0e a0e c00en$:% $;en$% #ne n#n:,>e ,n0ance c#+!an,e= #$ #> ;",c" $;# a0e

!ec,a:,ed In0ance c#+!an,e <,. A-0,c:$0a: In0ance C#= ;"# "and:e C0#!

In0ance /,ne and E!#0$ C0ed,$ Ga0an$ee C#0!#0a$,#n= ;",c" #n:% $0anac$

e!#0$ C0ed,$ In0ance.

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S!EC$AL !*O%$S$ONS

!A)+ENT OF !*E+$'+ B) $NS'*E

Sec$,#n *4 ) #> $"e In0ance Ac$ 173 !0#",/,$ ,n0ance c#+!an,e >0#+

e$end,n- c0ed,$ # $"a$ ,n e>>ec$ a:: ,n0ance ,n Ind,a , #n a ca" /e>#0e c#<e0H

 /a,.

$NS'*ANCE $ST*$B'T$ON C&ANNELS

A/ENTS

A-enc% "a /een $"e $0ad,$,#na: ;a% ,n ;",c" ,n0ance ;a $0anac$ed ,n $"e Ind,an

+a0e$. A-en$ ac$ a $"e 0e!0een$a$,<e #> ,n0ance c#+!an,e. In $"e na$,#na:,ed

e0a= a-en$ ;e0e a <e0% ,+!#0$an$ #0ce #> /,ne >#0 $"e P/:,c Sec$#0 In0ance

C#+!an,e= a /0#,n- ;a n#$ a::#;ed. A-en$ $,:: "#:d a <e0% :a0-e /## #> 

,n0ance /,ne +a,n:% ,n $"e !e0#na: :,ne.

CO*!O*ATE A/ENTS

C#0!#0a$e A-en$ a0e c#0!#0a$e en$,$,e ;"# ac$ed a 0e!0een$a$,<e #> ,n0ance

c#+!an,e and !0#c0ed /,ne #n $"e,0 /e"a:>. 6#;e<e0 $", c#nce!$ #> c#0!#0a$e

a-enc% ;a d#ne a;a% ;,$" /% $"e IRDA a>$e0 /0#,n- ;a ,n$0#dced ,n $"e +a0e$

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$NS'*ANCE B*OE*S

0#e0 "a<e /een a::#;ed $# #!e0a$e ,n $"e +a0e$ >0#+ A!0,: 2883. T# en0e

 !0eence #> e0,# !:a%e0 ,n $"e +a0e$= IRDA "a $,!:a$ed a ca!,$a: 0e@,0e+en$

#> INR ' +,::,#n >#0 d,0ec$ ,n0ance /0#e0= INR 28+,::,#n >#0 0e,n0ance /0#e0

and INR 2' +,::,#n >#0 c#+!#,$e /0#e0. T"e 0:e >#0 >#0e,-n e@,$% !a0$,c,!a$,#n ,

a!!:,ed ,+,:a0:% a >#0 ,n0ance c#+!an,e. 0#,n- ;a 0e:a$,<e:% a :a$e en$0an$ ,n

$"e +a0e$ ,n 2882 ;"en IRDA a::#;ed ,n0ance /0#,n- ,n Ind,a. In a <e0% "#0$

!an #> >e; %ea0= /0#,n- "a -a,ned -##d +#+en$+. T", , e<,den$ >0#+ $"e >ac$

$"a$ $"e n+/e0 #> /0#e0 "a ,nc0eaed $# 1*3 ;,$",n $", "#0$ !an. P0#+,nen$

In0ance /0#e0 "a<e ;,dened $"e $%!,ca: 0#:e #> an ,n0ance /0#e0= #>>e0,n-

<a0,# <a:e added e0<,ce c" a R, Mana-e+en$ and Pe0>#0+ance +ana:.

BANASS'*ANCE

an a0ance a ;e:: , -a,n,n- +#+en$+ ,n $"e Ind,an +a0e$. In0ance

c#+!an,e a0e ,nc0ea,n-:% ,n- $"e /an,n- ne$;#0 $# ,+!0#<e $"e,0 d,$0,/$,#n

%$e+.

$NS'*ANCE ANC$LLA*) SE*%$CES

A" S'*%E)O*S LOSS A#'STE*S

Se<e0a: $e! ;e0e ,n,$,a$ed /% IRDA $# en0e ,+!0#<ed e0<,ce /% S0<e%#0 and

L# Ad9$e0. IRDA $## !#n $"e+e:<e $"e $a #> ca$e-#0,,n- $"e+ #n $"e /a,

#> a +,n,++ @a:,>,ca$,#n= !0ac$,ca: $0a,n,n- and !a$ e!e0,ence $# /e e:,-,/:e $#

$ae ! S0<e%#0L# Ae#0 ;#0 /e,de en0,n- $"e,0 ad"e0ence $# a c#0e

#> c#ndc$. T"e a$"#0,$% ca$e-#0,ed $"e 0<e%#0 ,n$# $"0ee ca$e-#0,e AH H

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and HCH and "ad ,nd,ca$ed $"e +#ne$a0% :,+,$ ! $# ;",c" eac" ,nd,<,da: ca$e-#0%

0<e%#0 ;#:d ca00% #$ a 0<e%.

B" T&$* !A*T) A+$N$ST*ATO*S

T", !0#<,,#n #> ca":e "ea:$" e0<,ce $# $"e c:,en$ , an#$"e0 ,n$0#dc$,#n ,n $"e

Ind,an +a0e$. A #n da$e 2' ,n$e0+ed,a0,e "a<e /een 0e-,$e0ed /% $"e IRDA. T"e

,dea , $# !0#!a-a$e $"e "ea:$" ,n0ance ,n $"e c#n$0%. T"e T",0d Pa0$% Ad+,n,$0a$#0 

,dea::% $ae #<e0 $"e !a%+en$ #> $"e +ed,ca: c"a0-e #n /e"a:> #> $"e ,n0ed ;"# ,n

$0n , $"en 0e,+/0ed /% $"e ,n0e0. T"e +,n,++ ca!,$a: 0e@,0e+en$ >#0 a TPA ,

INR 18 +,::,#n.

TA*$FF A%$SO* CO++$TEE (TAC"

Ta0,>> Ad<,#0% C#++,$$ee= S$a$$#0% #d% nde0 In0ance Ac$ 173= c#n$0#: and

0e-:a$e $"e 0a$e= ad<an$a-e= $e0+ and c#nd,$,#n $"a$ +a% /e #>>e0ed /% ,n0e0

,n 0e!ec$ #> Gene0a: In0ance ,ne 0e:a$,n- $# F,0e= Ma0,ne (6::&= M#$#0= En--.

and W#0+en C#+!ena$,#n.

LOSS !*E%ENT$ON ASSOC$AT$ON OF $N$A (L!A"

LPA , !0#+#$ed /% GIC and #$"e0 P/:,c Sec$#0 c#+!an,e ;"#e a,+ , $# !0ead

0, +ana-e+en$ a;a0ene a+#n-$ $"e +ae.

$NS'*ANCE O+B'S+AN

T"e ,n$,$$e #> In0ance O+/d+an ;a c0ea$ed ,n 17 ;,$" $"e !0!#e #> @,c 

d,!#a: #> $"e -0,e<ance #> $"e ,n0ed c$#+e0 and $# +,$,-a$e $"e,0 !0#/:e+.

T"e ,n0ance #+/d+an , e+!#;e0ed $# c#n,de0 $"e c#+!:a,n$ 0e:a$e $# an%

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-0,e<ance a-a,n$ ,n0e0 ,.e.(a& 0e!d,a$,#n #> C:a,+ (/& d,!$e ;,$" 0e-a0d $#

 !0e+,+ $# /e !a,d #0 !a%a/:e ,n $e0+ #> $"e !#:,c%= (c&d,!$e #n !#:,c% ;#0d,n-

(d&de:a% ,n e$$:e+en$ #> c:a,+ (e&n#n,ance #> ,n0ance d#c+en$.

Ind,an ,n0ance ,nd$0% "a O+/d+en ,n 12 c,$,e e+!#;e0ed $# 0edce

c$#+e0 -0,e<ance ,n 0e!ec$ #> ,n0ance c#n$0ac$ #n !e0#na: :,<e ;"e0e $"e

,n0ed a+#n$ , :e $"an INR 2 +,::,#n.

$NS'*ANCE ASSOC$AT$ON OF $N$A 

In0ance A#c,a$,#n #> Ind,a ;a e$a/:,"ed acc#0d,n- $# $"e !0#<,,#n #> 

In0ance Ac$ and a:: ,n0e0 ,nc#0!#0a$ed #0 d#+,c,:ed ,n Ind,a a0e $"e +e+/e0 #> 

$"e A#c,a$,#n. A>$e0 >#0+a$,#n #> IRDA= ,$ "a e$a/:,"ed $;# c#nc,: #> $"e

In0ance A#c,a$,#n #> Ind,a.

(1& T"e L,>e In0ance C#nc,: c#n,$,n- #> a:: +e+/e0 #> $"e IAI= ;"# ca00% #n :,>e

,n0ance /,ne ,n Ind,a.

(2& T"e Gene0a: In0ance C#nc,: c#n,$,n- #> a:: +e+/e0 #> $"e IAI= ;"# ca00% #n

-ene0a: ,n0ance /,ne ,n Ind,a.

$*A n#+,na$e +e+/e0 and c"a,0+en $# Eec$,<e C#++,$$ee #> /#$" $"e

c#nc,:. T"e >nc$,#n #> $"e Eec$,<e C#++,$$ee #> $"e C#nc,: a0eB

(a& T# ad<,e and a,$ ,n0e0 ,n e$$,n- ! $anda0d #> c#ndc$ and #nd !0ac$,ce

and ,n $"e +a$$e0 #> 0ende0,n- e>>,c,en$ e0<,ce $# !#:,c% "#:de0

(/& T# ad<,ce $"e A$"#0,$% ,n $"e +a$$e0 #> c#n$0#::,n- $"e e!ene #> ,n0e0

(c& T# ,n>#0+ $"e A$"#0,$% #> an% ,n0e0 ac$,n- ,n a +anne0 !0e9d,c,a: $# $"e

,n$e0e$ #> !#:,c% "#:de0

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CO+!AN) !*OF$LE

$FFCO0To1io /enera $nsurance ($T/$" ;a ,nc#0!#0a$ed #n 4$" Dece+/e0 2888

;,$" a <,,#n #> /e,n- ,nd$0% :eade0 /% /,:d,n- c$#+e0 a$,>ac$,#n $"0#-"

>a,0ne= $0an!a0enc%= and @,c 0e!#ne. I$ , a 9#,n$ <en$0e /e$;een $"e Ind,an

Fa0+e0 Fe0$,:,e0 C##!e0a$,<e (IFFCO& and ,$ a#c,a$e and T#,# Ma0,ne and

 N,c",d# F,0e G0#!= $"e :a0-e$ :,$ed ,n0ance -0#! ,n 5a!an.

ITGI "a Pan Ind,a !0eence ;,$" '1 JS$0a$e-,c ,ne Un,$ and a ;,de ne$;#0 #> 

#<e0 118 #>>,ce. I$ #>>e0 a ;,de 0an-e #> n,@e:% c$#+,ed !#:,c,e c#<e0,n- a

;,de 0an-e #> c$#+e0= >0#+ >a0+e0 $# #+e #> Ind,a :a0-e$ a$#+#/,:e

+an>ac$0e0. F0#+ a +#de$ R 2138 M,::,#n #> GWP (G0# W0,$$en P0e+,+& ,n

288182 ,$ "a ac",e<ed an ,+!0e,<e R 123'8 M,::,#n ,n 2888= $"e0e/%

 /ec#+,n- #ne #> Ind,a :ead,n- !0,<a$e !:a%e0.

ITGI "a -#$ $"e Tec"n,ca: S!!#0$ >#0 nde0;0,$,n- and 0e,n0ance >0#+ T#,#

Ma0,ne and #n R, Mana-e+en$ >0#+ T#,# R, C#n:$,n- (TRC&. I$ , $"e >,0$

c#+!an% ,n Ind,a $# nde0;0,$e +e-a !#:,c,e >#0 a >e0$,:,e0 and an a$#+#/,:e

c#+!an%. T", c#+!0e"en,<e !#:,c% , /aed #n ,n$e0na$,#na: 0a$e and #!$,+,e $"e

 !0e+,+ #$>:#; >#0 c:,en$ e<en a ,$ #>>e0 a #ne$#!= a::0, c#<e0. O$"e0 $"an $"e

c#n<en$,#na: !0#dc$= ,$ "a /een a/:e $# c#+e #$ n,c"e !0#dc$ :,e C0ed,$

In0ance= F,ne A0$ In0ance= P ? I In0ance= E00#0 ? O+,,#n P#:,c% >#0 $"e IT

Sec$#0 e$c. A$ $"e a+e $,+e ,$ "a $ead>a$:% ca00,ed #$ ,$ 00a: cen$0,c ,n,$,a$,<e /%

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:anc",n- !0#dc$ :,e Sana$ 6a0an ,+a Y#9ana= Maa+ ,+a Y#9ana= Ma",:a

S0a"a ,+a Y#9ana and 5ana$a ,+a Y#9ana >#0 $"e +ae.

I$ , a:# $"e #n:% ,n0ance c#+!an% ,n $"e c#n$0% $# "a<e a 188#;ned

d,$0,/$,#n c"anne: $# e0<,ce ,$ 0e$a,: c$#+e0 ca::ed IFFCOTOKIO In0ance

Se0<,ce L$d (ITIS&. T#da%= ITIS "a a ",-":% +#$,<a$ed ;#0>#0ce #> #<e0 a 1888

e+!:#%ee ,n #<e0 288 $#;n.

A a c$#+e0 >#ced c#+!an%= ,$ c#ndc$ /,anna: c$#+e0 a$,>ac$,#n 0<e%

$"0#-" ,nde!enden$ a-enc,e $# -a-e ,$ #!e0a$,#na: e>>,c,enc,e. T", , /aced /% a

0#/$ IT ,n>0a$0c$0e= ;",c" "a ena/:ed= a+#n- #$"e0 $",n-= !eed% e$$:e+en$ #> 

c:a,+.

IFFCO TOKIO , #ne #> $"e :ead,n- ,n0ance c#+!an,e #> Ind,a. I$ #>>e0 !0#dc$

and e0<,ce $# $"e ,nd,<,da: $# +ae $"e,0 :,>e ,+!:,>,ed and ea%. $FFCO TO$O

Gene0a: In0ance , a 9#,n$ nde0$a,n- /e$;een T#,# Ma0,ne and N,c",d# F,0e

G0#! and T"e Ind,an Fa0+e0 Fe0$,:,e0 C##!e0a$,<e (IFFCO&.

IFFCO TOKIO ;a e$a/:,"ed #n Dece+/e0 4= 2888. I$ "a ,$ "ead #>>,ce a$

G0-a#n= 6a0%ana. I$ , c#n$ed a+#n-$ $"e $"0ee :ead,n- !0,<a$e ,n0ance

c#+!an,e. T"e0e a0e a:+#$ 188 /0anc" #>>,ce $"a$ a0e !0ead a:: #<e0 $"e c#n$0%.

T", Gene0a: In0ance c#+!an% #>>e0 a 0an-e #> 48 !#:,c,e $"a$ a0e +ade ee!,n-

,n +,nd $"e 0e@,0e+en$ #> a:: $%!e #> c$#+e0. IFFCO TOKIO , /a,ca::% a

 !e#!:e c#+!an%. I$ #>>e0 ,+!:,>,ed e0<,ce $# "e:! e<en a :a%+an ;,$" /e$ @a:,$%

,n0ance !0#dc$.

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IFFCO TOKIO Gene0a: In0ance +a,n$a,n $"e >,nanc,a: !0,nc,!:e #> $"e M,::ea

G0#!. E>>,c,en$ >,nanc,a: +ana-e+en$ acc#n$ >#0 $"e 0a!,d -0#;$" #> $", ,n0ance

c#+!an%. I$ , $"e #n:% ,n0ance c#+!an% $"a$ +ade !0#>,$ >#0 >,<e c#nec$,<e %ea0.

C$#+e0 a$,>ac$,#n , $"e +a,n a,+ #> IFFCO TOKIO. T# a$,>% $"e 0e$a,:

c$#+e0= $", c#+!an% "a 188#;ned d,$0,/$,#n c"anne:. IFFCOTOKIO "a

#<e0 88 e+!:#%ee ;#0,n- a$ d,>>e0en$ /0anc"e.

T", c#+!an% #>>e0 a ;,de 0an-e #> !0#dc$ and !#:,c,e. T"e !0#dc$ can /e

ca$e-#0,ed nde0 $"0ee /0#ad "eadB S!ec,a:$%= Re$a,: and C#++e0c,a:.

S#+e #> $"e !#:,c,e $"a$ a0e ,nc:ded a+#n- $"e S!ec,a:$% !0#dc$ a0e c0ed,$

,n0ance= 9e;e:e0 /:#c= Sa-a0 and" ,+a P#:,c%= M:$, M#da: $0an!#0$=

a<,a$,#n ,n0ance !#:,c% and +an% #$"e0.

Re$a,: :,ne !0#dc$ ,nc:de +#$#0 !0,<a$e ca0= #>>,ce !0#>e,#na: e$a/:,"+en$=

6#+e S<,d"a= T0ade <,d"a= ,nd$0% !0#$ec$#0= -0#! !e0#na: acc,den$= 0-e0%

 !0#$ec$#0= $0a<e: !0#$ec$#0 and a:: 0, ,n0ance.

T"e !#:,c,e #> $"e C#++e0c,a: !0#dc$ a0e c#ne@en$,a: :#= +a0,ne ca0-#=

 /0-:a0% ,n0ance= /ane0 /:ane$= >,de:,$% -a0an$ee= ,nd$0,a: a:: 0,= +#ne%

,n0ance and ;#0+en c#+!ena$,#n.

O!e0a$,n- #>>,ce #> IFFCO TOKIO a0e !0ead a:: #<e0 $"e c#n$0%. S#+e #> $"e

 !:ace= ;"e0e ,$ , :#ca$ed a0e A"+ada/ad= A0an-a/ad= A-0a= A::a"a/ad= A#:a=

e:a!0= "#!a:= "<ane";a0= an-a:#0e= e::a0%= C#,+/a$#0e= C"enna,=

C"and,-a0"= De"0adn= De:",= Fa0,da/ad= Man,na-a0= Na,= Fa,a/ad= )ad#da0a=

K"and;a= = K#c",= G0-a#n= K#:a$a= Lcn#;= 6%de0a/ad= Ind#0e= M+/a,=

 Na-!0= N#,da= Pne= S0a$= Uda,!0= 6a:d;an,= 5a:and"a0= 6/:,= G;a:,#0= )a!,=

Mad0a, = Pa$,a:a= )a0ana,= 5a/a:!0= 5a,!0= Ld",ana= Man-a:#0e= G#a= Ra9#$=

S",+:a= Sa+/"a:!0= T",0<anan$"a!0a+ and G;a"a$,.

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IFFCO T#,# Gene0a: In0ance , a c$#+e0cen$0,c c#+!an% a,+,n- $# /e ea,:%

acce,/:e and a!!0#ac"a/:e $# a:: ec$,#n #> #c,e$%. I$ #>>e0 !0#dc$ and e0<,ce

$"a$ !0#<,de @a:,$% a$ 0ea#na/:e c#$. T"e #0-an,a$,#n "a $"e dee! n#;:ed-e #> 

IFFCO and $" de<e:#!ed a /,ne !:an $"a$ "a /#$" $a/,:,$% and ,n$e-0,$%.

I$ "a e$ -:#/a: $anda0d >#0 ,$e:> and , $"e #n:% !0,<a$e -ene0a: ,n0ance c#+!an%

,n Ind,a $# +ae ' c#nec$,<e %ea0 #> e!e0,ence. ITGI "a /een #ne #> $"e >e;

c#+!an,e $# "#; nde0;0,$,n- !0#>,$ ;,$",n >#0 %ea0 #> #!e0a$,#n. T"e c#+!an%

>#ce #n de:,<e0,n- c0ea$,<e #:$,#n $# ,$ c$#+e0.

IFFCO T#,# Gene0a: In0ance "a 88 e+!:#%ee !0een$ ,n * c,$,e= ded,ca$ed $#

-,<e >:: a$,>ac$,#n $# $"e c$#+e0. I$ , $"e >,0$ c#+!an% $# nde0;0,$e +e-a

 !#:,c,e >#0 a >e0$,:,e0 and a$#+#/,:e c:,en$.

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$FFCO 0 TO$O /ENE*AL $NS'*ANCE

%ision

T# /e ,nd$0% :eade0 /% ,:d,n- c$#+e0 a$,>ac$,#n $"0#-" >a,0ne=

$0an!a0enc%= and @,c 0e!#ne

+ission

T# ;,n TRUST #> ,nd,<,da:= $0ade= ,nd$0% and c#++e0ce and !0#$ec$ c,$,en=

c#0!#0a$e= and ,n$e0na$,#na: ,n<e$#0 ,n Ind,a.

26%

74%

5) /e$;een IFFCO ? ,$ a#c,a$e and T#,# Ma0,ne and N,c",d# F,0e G0#!=

$"e :a0-e$ :,$ed ,n0ance -0#! ,n 5a!an.

Inc#0!#0a$ed #n Dece+/e0 4= 2888 ;,$" ,$ C#0!#0a$e O>>,ce ,n G0-a#n=

6a0%ana.

Leade0 ,n C#++e0c,a: :,ne= $0$ed !a0$ne0 #> PSU and :a0-e c#0!#0a$e

S!ec,a: $"0$ #n $"e Fe0$,:,e0= P#;e0= O,: ? Ene0-% Sec$#0 

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$T/$2S *'*AL CENT*$C $N$T$AT$%ES

San1at &aran Bima )o3ana

–

Lanc"ed ,n Oc$#/e0 2881

– F0ee PA c#<e0 #> R 4=888/a- (Ma. #> R. 1 Lac&= #n !0c"ae #>

>e0$,:,e0 

Saient Features 0

– La0-e$ ,n-:e !#:,c% ,ed ,n $"e ;#0:d

– M#0e $"an 2.' C0. >a0+e0 c#<e0ed e<e0% %ea0 ('$" %ea0 0nn,n-&

– O<e0 4='88 c:a,+ e$$:ed ? R. 2 C0 d,/0ed $,:: da$e

$T/$2S *'*AL CENT*$C $N$T$AT$%ES

Baris4 Bima )o3ana

– A ;ea$"e0 ,n0ance !0#dc$= ,n$0#dced ,n A!0,: 2884

– Inde /aed !0#dc$= c#<e0 an$,c,!a$ed de>,c,enc% ,n c0#! %,e:d de $#

de>,c,en$ 0a,n>a:: d0,n- +#n##n

– S#:d a a G0#! !#:,c% $"0#-" C##! #c,e$,e /an NGO e$c.

Saient Features 0

Launch of Sankat Haran on 30 Sep 2001, byMr. Ajit Singh, then Miniter of Agricu!ture at

"hurja

#!ai$ che%ue &itribution cere$onyorgani'e& by ())#*

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– A<a,:a/:e ,n $a$e= c#<e0,n- 188 d,$0,c$ ? 1*=888 >a0+e0

$T/$2S *'*AL CENT*$C $N$T$AT$%ES

+a4ia Sura1s4a Bima )o3ana

– Lanc"ed #n Se!$e+/e0 288' #n In$e0na$,#na: W#+en Da%

– T"0#-" IFFCO >#nda$,#n ;,$" a +e+/e0",! #> nea0:% 21=888 !e#!:e

(+#$:% ;#+en&

– C#<e0a-e a-a,n$ a:: acc,den$a: #cc00ence= ,nc:. dea$" ? ,n90%

–

C#<e0 #> R. '8=888 ;,$" a !0e+,+ #> #n:% R. 28 !e0 ann+

/en4u +ausam Bima )o3ana

– C#<e0 F0#$ In90% ? 6ea$ S$0e $# c0#!

– C#<e0 >#0 :#; $e+!. d0,n- $"e >:#;e0,n- $a-e

– C#<e0 >#0 ",-" $e+!. d0,n- $"e -0a,n >,::,n- $a-e

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$N$AN !*O+OTE*S

$ndian Farmers Fertiiser Cooperati5e Limited ($FFCO"  , $"e ;#0:d :a0-e$

>e0$,:,e0 +an>ac$0e0 ? +a0e$e0 ,n c##!e0a$,<e ec$#0. I$ ;a ,nc#0!#0a$ed #n 30d

 N#<e+/e0= 17* and ,nce $"en , c#++,$$ed $# ac",e<e ,$ !0,+e 0#:e #> !0#<,d,n-

@a:,$% >e0$,:,e0 and a-0,c:$0a: e0<,ce $# Ind,a >a0+,n- c#++n,$%. O<e0 $"e

%ea0= $"e c##!e0a$,<e #c,e$% "a e<#:<ed ,n$# a -,-an$,c Ind,an M:$,na$,#na: and e$

0ec#0d >#0 ece::en$ and c#n,$en$ !e0>#0+ance ,n $"e >,:ed #> !0#dc$,#n= +a0e$,n-

and e0<,ce $# >a0+e0. A a #c,e$% #> $"e >a0+e0= /% $"e >a0+e0 and >#0 $"e

>a0+e0= IFFCO "a >,0+:% e$a/:,"ed ,$e:> a a $0e C##!e0a$,<e and !e0>ec$ 0#:e

+#de: >#0 #$"e0 $# e+:a$e #n $"e !a$" #> ec#n#+,c de<e:#!+en$.

IFFCO "a $ead,:% -0#;n >0#+ $0en-$" $# $0en-$">0#+ a +#de$ +e+/e0",! #> '

#c,e$,e ,n 17** $# +#0e $"an 48=888 #c,e$,e a$ !0een$. T"e ,n,$,a: e@,$% ca!,$a:

#> R.* :a" c#n$0,/$ed /% c##!e0a$,<e ,n 17** "a a:# 0,en $# R. 4.23 M,::,#n

,n 2888. 6a<,n- $"e La0-e$ Ma0e$ "a0e #> Fe0$,:,e0 P0#dc$,#n ,n Ind,a ;,$"

2' ,n C#+!:e Fe0$,:e0 and 28 ,n U0ea ,$ "a a:# /ec#+e $"e F,0$ C##!e0a$,<e

,n Ind,a $# e$! >,0$ e<e0 K,an SE (S!ec,a: Ec#n#+,c #ne& a$ Ne::#0e= And"0a

P0ade".

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IFFCO "#:d 2.*4 "a0e"#:d,n- and ,$ A#c,a$e M Ind,an P#$a" L$d. "#:d

1.3* "a0e"#:d,n- ,n ITGI.

FO*E$/N !*O+OTE*S

TOKIO Ma0,ne A,a P$e. L$d "#:d 2* "a0e"#:d,n- ,n ITGI. TOKIO Ma0,ne

A,a , a /,d,a0% c#+!an% #> M,::ea 6#:d,n- Inc 5a!an a "#:d,n- c#+!an% >#0 

T#,# Ma0,ne ? N,c",d# F,0e (TMNF& In0ance C#+!an%.

TOKIO Ma0,ne A,a "a n#n :,>e #!e0a$,#n ,n 7 A,an c#n$0,e

T#,# Ma0,ne ? N,c",d# F,0e In0ance C#+!an% "a #<e0 128 %ea0 #> e!e0,ence

,n $"e -ene0a: ,n0ance /,ne and , $"e :a0-e$ and #:de$ -ene0a: ,n0ance

c#+!an% #> 5a!an. I$ , a +e+/e0 #> $"e ",-":% d,<e0,>,ed M,$/,", -0#!

c#+!0,,n- #<e0 1='88 c#+!an,e.

T"e c#+!an% , 0a$ed AA (,nd,ca$,n- $0#n- >,nanc,a: ec0,$% c"a0ac$e0,$,c& /%

,n$e0na$,#na: 0a$,n- a-enc% S$anda0d ? P##0.

T#,# Ma0,ne "a /een c#n$,n#:% e0<,n- a #ne #> $"e ,+!#0$an$ 0e,n0ance

c#+!an,e $# $"e na$,#na:,ed Ind,an ,n0ance +a0e$. TMNF "a a:# /een

c"#en a A,a Gene0a: In0ance C#+!an% #> $"e %ea0 /% A,a In0ance Re<,e;

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,n Dece+/e0 288.

E) !EO!LE

S. Narayanan 6 MD and CEO

+ Tandon  F,nanc,a: Ad<,#0 

N edia 6 D,0ec$#0  - Ma0e$,n-

). Fu1uda 6 D,0ec$#0 O!e0a$,#n

&.O.Suri Eec$,<e D,0ec$#0 

+r %.S.*ao 6 Eec$,<e D,0ec$#0 

!*O'CTS

O0 !0#dc$ de<e:#!+en$ $ea+ , c#n$an$:% ;#0,n- $# ,n$0#dce !0#dc$ ;",c" a0e

c#+!e$en$ ,n +ee$,n- $"e c$#+e0 need. A$ IFFCO T#,#= ;e e+!"a,e #n

nde0$and,n- $"e need >0#+ $"e +a0e$ and #>>e0,n- $"e /e$ !#,/:e !0#dc$ ac0#

$"e !0#dc$ :,ne. We a!!0#ac" $"e +a0e$ ;,$" !0#dc$ $"a$ "a<e d,>>e0en$,a$ed

>ea$0e /ene>,$ e0<,ce #>>e0,n-. IFFCO T#,# #>>e0 a ;,de 0an-e #> n,@e:%

c$#+,ed !#:,c,e c#<e0,n- a ;,de 0an-e #> c$#+e0= >0#+ >a0+e0 $# #+e #>

Ind,a :a0-e$ a$#+#/,:e +an>ac$0e0.

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O0 Endea<#0 , $# !0ead $"e /ene>,$ #> ,n0ance $# $"e +ae $"0#-" #0 

!ec,a::% de,-ned ,n0ance !0#dc$ :,e Sana$ 6a0an Y#9ana= a0," ,+a Y#9ana=

e$c. T"e c#+!an% "a +ade a -en,ne a$$e+!$ $# nde0$and $"e 00a: and :#;,nc#+e

e-+en$ #> $"e Ind,an +a0e$= $# $a! $"e !#$en$,a: #> $", :a0-e:% ne!:#0ed e-+en$

and +ae $"e /ene>,$ #> ,n0ance a<a,:a/:e $# $"e +ae.

We a0e a:# +a,n- c#n$an$ e>>#0$ $# 0eac" #$ $"e en$,0e -ene0a: ,n0ance !ec$0+

,.e. Commercia Lines, *etai ines and Speciaty Lines. Inn#<a$,#n ;,:: ee! #n

e!and,n- $# ,nc:de c$#+,ed #>>e0,n- >#0 <a0,# +a0e$ e-+en$ and

-e#-0a!",e.

CO++E*C$AL L$NES

IFFCOTOKIO !0#<,de a ;,de <a0,e$% #> !#:,c,e $"a$ a0e c$#+,ed $# %#0 need.

F#0 %#0 c#n<en,ence= ;e "a<e -0#!ed $"e+. T# acce ,n>#0+a$,#n #n an% #> $"e

 !#:,c,e= ,+!:% c:,c #n $"e :,n %# ;an$.

7. S$anda0d F,0e ? S!ec,a: Pe0,:

8. C#ne@en$,a: L#

9. C#n$0ac$#0 A:: R, 

:. C#n$0ac$#0 P:n$ ? Mac"n

;. #,:e0 ? P0e0e P:an$

<. E0ec$,#n A:: R,

=. Ind$0,a: A:: R,

>. Mac",ne0% 0ead#;n

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?. Mac",ne0% L# #> P0#>,$

7@. P0#dc$ L,a/,:,$%

77. P/:,c L,a Ind$0,a:

78. P/:,c L,a N#nInd$0,a:

79. Ma0,ne Ca0-#

7:. E:ec$0#n,c E@,!+en$

7;. ane0 :ane$

7<. 0-:a0% In0ance

7=. F,de:,$% Ga0an$ee

7>. M#ne% In0ance

7?. W#0+en C#+!ena$,#n

*ETA$L L$NES

IFFCOTOKIO !0#<,de a ;,de <a0,e$% #> !#:,c,e $"a$ a0e c$#+,ed $# %#0

need.

F#0 %#0 c#n<en,ence= ;e "a<e -0#!ed $"e+. T# acce ,n>#0+a$,#n #n an% #> $"e

 !#:,c,e=

,+!:% c:,c #n $"e :,n %# ;an$.

M#$#0 P0,<a$e Ca0 

M#$#0 C%c:eSc##$e0 

6#+e ? Fa+,:% P0#$ec$#0 

T0ade P0#$ec$#0 Ind$0% P0#$ec$#0 

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O>>,ce P0#>e,#na: E$a/:,"+en$

6#+e S<,d"a

T0ade S<,d"a

Ind,<,da: Med,",e:d

Ind,<,da: Pe0#na: Acc,den$G0#! Pe0#na: Acc,den$

C0,$,ca: I::ne P#:,c%

T0a<e: P0#$ec$#0 

A:: R, In0ance

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S!EC$ALT) L$NES

IFFCOTOKIO !0#<,de a ;,de <a0,e$% #> !#:,c,e $"a$ a0e c$#+,ed $# %#0 need.

F#0 %#0 c#n<en,ence= ;e "a<e -0#!ed $"e+. T# acce ,n>#0+a$,#n #n an% #> $"e

 !#:,c,e= ,+!:% c:,c #n $"e :,n %# ;an$.

7. C0ed,$ In0ance

8. M:$, M#da: $0an!#0$ (MTO&

9. Ma0,ne 6:: ? Mac",ne0%

:. 5e;e::e0 :#c 

;. a0," ,+a Y#9na (Wea$"e0 In0ance&

<. Sa-a0 and" ,+a P#:,c%

=. A<,a$,#n In0ance P#:,c%

>. E00#0 and O+,,#n (Tec"n#:#-%& P#:,c%

?. F,ne A0$ In0ance P0,<a$e C#::ec$#0

7@. F,ne A0$ In0ance A0$ Dea:e0 ? Ga::e0% O;ne0

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TA*/ETS

• G0#! c" a E+!:#%e0 E+!:#%ee and de!endan$= Me+/e0 #> C:/=

6#:de0 #> C0ed,$ Ca0d and Me+/e0= S"a0e"#:de0 #> anP/:,c :,+,$ed

C#.

• SCOPE OF CO)ER 

• T"e !#:,c% c#<e0 6#!,$a:,a$,#n and #0 d#+,c,:,a0% "#!,$a:,a$,#n e!ene

<,.

• R##+ 0en$

•  N0,n- e!ene

• S0-e#n=anae$"e$,$= c#n:$an$ >ee

• D,a-n#$,c=OT=/:##d =#%-en= +ed,c,ne=0ad,#$"e0a!%=c"e+#$"e0a!% c"a0-e

CON$T$ONS

1. 6#!,$a:N0,n- 6#+e De>,n,$,#n.

2. M,n,++ 6#!,$a:,a$,#n 24 "#0.

3. Inde+n,$% In Ind,an 0!ee=!a%+en$ >#0 $0ea$+en$ ,n Ind,a

4. P0eE,$,n- d,eae , n#$ c#<e0ed.

'. N# c#<e0a-e ,n $"e >,0$ +#n$" and ce0$a,n #$"e0 ec:,#n >#0 >,0$ %ea0

ECL'S$ONS

T0ea$+en$ #> !0ee,$,n- d,eae c" a B

Q Ca$a0ac$=6%$e0ec$#+%

Q 6e0n,a 6%d0#ce:e= C#-en,$a: In$e0na: D,eae

Q P,:e= S,n,$

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Q C,0c+c,,#n

Q )acc,na$,#n #0 In#c:a$,#n

Q C#$ #> !ec$ac:e= C#n$ac$ Len="ea0,n- A,d

Q 6I) AIDS

Q Ma$e0n,$% Re:a$ed E!end,$0e

Q D#+,c,:,a0% 6#!,$a:,a$,#n ,n 0e!ec$ #> B

Q A$"a+a

Q 0#nc",$,

Q C"0#n,c Ne!"0,$,

Q D,a00"#ea

Q D,a/e$e Me::,$

Q E!,:e!%=POU

Q In>:ena=C#-" and C#:d

Q Den$a: T0ea$+en$ #0 S0-e0%

• S!EC$AL 0 A0ON CO%E*S

1. Edca$,#n C#$ Sc"##: -#,n- and c#::e-e -#,n-.

2. A+/:ance c"a0-e

3. C#$ #> T0a<e:

a. F#0 an% ,n $# and >0# RS.1'888

 /. F#0 In0ed !e0#n ",+e:> 0e$0n R.'88

4. C#$ #> !!#0$,n- E@,!+en$.

'. D,c#n$ >#0 !0e and !#$ "#!,$a:,a$,#n !e0,#d.

*. 6#!,$a: da,:% Ca"

. #a0d,n- ? :#d-,n- E!ene

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. Fa+,:% >:#a$e0 

7. De:e$,#n #> D#+,c,:,a0% "#!,$a:,a$,#n /ene>,$

18. Ma$e0n,$% c#<e0 a<a,:a/:e >#0 $"e -0#!.

11. O0-an,a$,#na: >:#a$e0

CLA$+ +ANA/E+ENT

1. T.P.A In<#:<e+en$

2. D#c$#0 E+!ane:+en$

*ELAAT$ON FO* *'*AL A*EA

1. S0-,ca: P#:,c%

2. N# c0,$e0,a #> "#!,$a: $# /e a!!:,ed >#0 S0-e0% and a:# ,> $"e $0ea$+en$ a$

D,$$. 6ea:$" Cen$0e.

E'CAT$ON COSTCO%E*S0

T'T$ON FEES

EA+$NAT$ON FEES

+ONT&L) LO/$N/ BOA*$N/ E!ENSES - @.; D

  7D

+aimum Amount 0 *s . <@,@@@ - Coege

  *s. 9@,@@@ - Sc4oos

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A+B'LANCE C&A*/ES

Ac$a: C"a0-e S/9ec$ $# a Ma,++ #> R.1=888 !e0#n -0#! a:: #0 n#ne

FA+$L) FLOATE* 

A<a,:a/:e de!end,n- !#n >a+,:% ,e= S+ In0ed !e0 +e+/e0 = a-e !0#>,:e and

,$a/:e :#ad,n- #> $"e !0e+,+.

CLA$+ !*OCE'*E

/ENE*ALCLA$+S!*OCE'*E

A:: ,n0ance c#n$0ac$ a0e /aed #n $"e ,n>#0+a$,#n !0#<,ded /% $"e ,n0ed ,n

$"e !0#!#a: >#0+. T"e !0#!#a: >#0+ >#0+ $"e /a, #> ,n0ance c#n$0ac$.

S#+e ,+!#0$an$ !#,n$= ;",c" ;#:d "e:! %# ,n $"e c:a,+ !0#ced0e.

• T"e :# #0 da+a-e "#:d /e 0e!#0$ed $# $"e ,n0e0 ,++ed,a$e:%.

• On 0ece,!$ #> c:a,+ ,n$,+a$,#n= $"e ,n0e0 ;,:: >#0;a0d a c:a,+ >#0+.

• S/+,$ $"e c#+!:e$ed c:a,+ >#0+ a:#n- ;,$" an e$,+a$e #> $"e :# $# $"e

,n0e0. I$ , !0e>e0a/:e $# /+,$ an ,$e+,ed e$,+a$e ;,$" e!a0a$e <a:e.

• T"e ,n0e0 ;,:: a00an-e >#0 ,n!ec$,#n #> $"e da+a-ed ,$e+ $# ae $"e :#.

In cae #> +a9#0 :#e= a !ec,a:,$:,cened 0<e%#0 , de!$ed.

• T"e ,n0ed "a $# !0#<,de $"e 0e@,0ed d#c+en$ $# /$an$,a$e $"e e$en$ #> 

:#.

• In cae $"e cae #> :# , n#$ e$a/:,"ed= ,$ , >#0 $"e ,n0ed $# !0#<e $"a$ $"e

:# #0 da+a-e "a #cc00ed de $# an ,n0ed !e0,:.

• On a-0ee+en$ #> c:a,+ a+#n$ /e$;een $"e ,n0ed and $"e ,n0e0= $"e c:a,+

, e$$:ed. Ece a $a$ed a !e0 $"e P#:,c% $e0+ and c#nd,$,#n ;,:: /e

dedc$ed >0#+ $"e c:a,+ !a%a/:e.

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In <,e; #> <a0,ed na$0e #> !#:,c,e= ce0$a,n !#,n$ d,$,nc$ $# ,nd,<,da: !#:,c,e= ,n

add,$,#n $# $"e a/#<e= a0e :,$ed /e:#;B (P:eae n#$e $"a$ $"e d#c+en$ +en$,#ned a0e

,nd,ca$,<e and /aed #n $"e c,0c+$ance #> $"e c:a,+= ,n0e0 +a% 0e@e$ >#0

add,$,#na: d#c+en$&.

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+E$S&$EL (FO* NON0CAS&LESS CLA$+S"

•  N#$,ce #> c:a,+ "#:d /e :#d-ed ;,$",n 24 "#0 $# $"e nea0e$

0anc"c#nce0ned 0anc".

• T"e ,n0ed "#:d /+,$ d,c"a0-e ++a0% #> $"e "#!,$a:n0,n- "#+e

a:#n- ;,$" #0,-,na: "#!,$a:+ed,ca: /,::= 0e!#0$ #> $"e :a/ and ,n<e$,-a$,#n

0e!#0$. In #$"e0 ;#0d e<e0% ,$e+ ,n $"e c:a,+ /,:: "#:d /e !!#0$ed.

• Lea<e ce0$,>,ca$e >0#+ $"e e+!:#%e0= ;"e0e<e0 needed.

• F,$ne ce0$,>,ca$e >0#+ $"e D#c$#0.

T&E $FFCO TO$O NES LETTE* 

IFFCO T#,# "a ,n,$,a$ed d,-,$a: ad<e0,$,n- #> ,$ !0#dc$ (M#$#0= 6ea:$"=

T0a<e:& #n <a0,# ",-" $0a>>,c ;e/,$e :,e Red,>>= Ya"##= ,n.c#+= IN :,<e=

c0,c/ e$c. T"e a+e ;a d#ne d0,n- E:ec$,#n and IPL. T# en0e c#n,$enc%

,n $"e ,n,$,a$,<e= $"e ad a0e c#n$,n#:% #n Ca0e;a:e.c#+= Ya"##.c#+ and G##-:e

ea0c". A "-e ",$= $"e ;e/,$e , a$$0ac$,n- #<e0 1='888 <,,$#0 and -ene0a$,n-

288 !0#!ec$,<e :ead e<e0%da%. Rene;a: and ne; !#:,c,e a0e a:# ,ed

d,0ec$:% >0#+ #0 ;e/,$e.

$FFCO To1io aunc4es +icro $nsurance mont4

ITGI "a dec,ded $# ded,ca$e e<e0% +#n$" $# a ne; a!ec$ #> ,n0ance. T"e >,0$

$"0ee +#n$" #> $"e %ea0 ;e0e ce:e/0a$ed a +,c0# ,n0ance +#n$" $# +#$,<a$e $"e

a-en$ and c0ea$e a;a0ene a+#n-$ $"e +ae a/#$ <a0,# +,c0# ,n0ance

 !0#dc$. Ta+,: Nad= >,0+:% e$a/:,"ed ,$e:> a $"e Leade0 ,n $", !"ae #> $"e

ce:e/0a$,#n.

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BA*$S& B$+A )O#NA *ELA'NC&E

ITGI "a 0e:anc"ed ,$ cce>: ;ea$"e0 ,n:0ance !#:,c% >#0 K"a0,> c0#!

Baris4 Bima )o3na (BB)" $# !0#$ec$ >a0+e0 a-a,n$ an$,c,!a$ed de>,c,enc$% ,n

c0#! %,e:d de $# /#$" de>,c,$ and ece 0a,n>a::.

P0e<,#:%= $"e !0#dc$ c#<e0ed $"e 0, >0#+ /#$" de>,c,$ and ece 0a,n>a:: ,n

$"e , S$a$e #0 O0,a= We$ en-a:= Ta+,: Nad= G9a0a$= Ma"a0a"$0a and

Ra9a$"an (K#$a= 5"a:a;a0 and a0an&. In Pn9a/= UP= MP C""a$$,-a0"= And"0a

P0ade" and #+e d,$0,c$ #> Ra9a$"an= Y ;,:: c#<e0 >a0+e0 >0#+ de>,c,$

0a,n>a:: a:#ne.

+E$CLA$+ $NS'*ANCE $N $N$A

+edicaim for famiy

E<e0%/#d% , ;e:: n#;n $"e !0#>,$ #> "a<,n- a +ed,c:a,+ !#:,c%. A dden

,cne #0 acc,den$ can 0,n %#0 >,nanc,a: /d-e$ and a$ $", $a-e +ed,c:a,+

 !#:,c% , a:;a% "e:!>:.

In $"e c00en$ cena0,#= +ed,ca: e!ene a0e <e0% ",-" and ,$ ,nc0ea,n-

e<e0%da%. T"e :a$e$ >a+,:% +ed,c:a,+ ,n0ance , ,dea: #:$,#n $# a<e +#ne%

and c#<e0 en$,0e >a+,:% nde0 ,n-:e + ,n0ed. T", +ean n# +#0e +:$,!:e

 !0e+,+ and n# +#0e >,nanc,a: $0a,n.

T", !#:,c% , a<a,:a/:e ,n $;# <a0,an$ "#0$ $e0+ and :#n- $e0+ and $"e c#<e0a-e

:e<e: , ,+,:a0 :,e #$"e0 $0ad,$,#na:  +ed,c:a,+  !#:,c,e. I$ !0#<,de c#<e0 >#0 

"#!,$a:,a$,#n e!ene >#0 ,::ne and d,eae. I$ ,nc:de e!ene >#0 d#c$#0 >ee=

n0,n- e!ene= +ed,c,ne= /:##d= 0-,ca: a!!:,ance and #$"e0 0e:a$ed e!ene.

 

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+edicaim !remium Cacuator

Med,c:a,+ !#:,c% , a een$,a: >#0 $"e !e#!:e /ecae ,$ a<e >,nanc,a: :# ,n cae

#> "#!,$a:,a$,#n >#0 an% ,cne= d,eae #0 acc,den$. $ ,$ c#$ , +c" ",-"e0 

$"an #$"e0 ,n0ance and $,:: ,$ , 0,,n-.

Med,c:a,+ !0e+,+ ca:c:a$#0 , <e0% e>: $##: ,n c" a c#nd,$,#n /ecae ,$ "e:!

$# ca:c:a$e $"e %#0 +ed,c:a,+ c#$. T", #n:,ne e0<,ce , a/#:$e >0ee and

!ec,a::% de,-ned >#0 c$#+e0 c#n<en,ence.

T"e0e a0e <a0,# +ed,c:a,+ !0e+,+ ca:c:a$#0 a0e #>>e0ed /% ,n0ance c#+!an,e

and !0,<a$e ;e/,$e. Y# can ea,:% de$e0+,ne $"e c#$ #> !:an $"a$ %# -# >#0 /%

d#,n- 9$ ,+!:e ;#0 #n c" a ca:c:a$#0. P0,<a$e ;e/,$e a:# a::#; %# $#

c#+!a0e <a0,# ,n0ance c#+!an,e and $"e,0 !:an.

 

+ust01noG0t4e0types0of0co5erage0medicaim

Y# +a% "a<e c#+e ac0# +an% a $,+e ;,$" $"e "#0$ >#0+ ,n +ed,c:a,+

a0$,c:e@#$e :,e 6MO=PPO=POS=6SA= /$ c#:d n#$ +ae ,$= ;"a$ $"e

a//0e<,a$,#n $and >#0

T"e0e a0e +an% $%!e #> "ea:$"mediclaim policy.

A" &+O (&eat4 +aintenance OrganiHation".

Y# -# $# %#0 >a+,:% d#c$#0 >#0 an% "ea:$" e0<,ce. I> $"e0e , an 0-enc% ,n -#,n- $#

a !ec,a:,$= %#0 >a+,:% ca0e d#c$#0 ;,:: "e:! %# ,n 0e>e00,n- #ne. Med,c:a,+

c#+!an,e ;,:: n#$ ,n0e %# ;,$"#$ $"e 0e>e00a: >0#+ %#0 >a+,:% d#c$#0 and

$"e0e>#0e= %# ;,:: "a<e $# !a% %#0e:> >#0 c" !ec,a:,$ e0<,ce

B" !!O (!referred !ro5ider OrganiHation !an".

T"0#-" $", !:an %# can ana:%, $# an% !0,+a0%= !ec,a:,$= #0 +ed,ca: >ac,:,$%

;,$"#$ 0e>e00a: and -e$ $#$a::% c#<e0ed. I$ , $"e Med,c:a,+ c#+!an,e $"a$ c#<e0 %#

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;"en %#0 c",:d /0ea a /#ne acc,den$a::% and %# a!!0#ac" d,0ec$:% $# $"e

#0$"#!ed,c d#c$#0= ;,$"#$ c#n:$,n- %#0 !0,+a0% d#c$#0.

C" !OS (!oint of Ser5ice".

T", !:an een$,a::% ,nc:de /#$" an 6MO and a PPO !:an. Med,c:a,+ c#+!an,e

-,<e %# $"e #!$,#n >0#+ $"e $;# !:an >#0 e<e0% +ed,ca: cae. T"e !:an #>>e0 e$0a

c#<e0ed !0e<en$a$,<e !0#-0a+= "#;e<e0= %# +a% "a<e $# !a% +#0e >0#+ %#0 

 !#ce$= ,> %# c"##e a d#c$#0 #$,de %#0 !:an.

" &SA (&eat4 Sa5ings Account".

T", !:an , +c" +#0e !e0,#0 $"an $"e a/#<e +en$,#ned +ed,c:a,+ !:an. T"e !:an

c#<e0 e%e-:ae= den$a:= c#+e$,c !0#ced0e= #<e0$"ec#n$e0 +ed,ca$,#n= e$c. I$

, a $ade>e00ed a<,n- acc#n$ a :#n- a ;,$"d0a;a: a0e c#nce0n >#0 +ed,ca:

e!ene. Fnd #$$and,n- a$ $"e end #> $"e %ea0 a0e ca00,ed >#0;a0d ,n$# an IRA

acc#n$.

4at does medicaim poicy co5erI

ay0care Treatment0  T"e Med,ca: d,/0e+en$ $"0#-" e0,# $ec"n#:#-,ca::%

ad<anced da%ca0e 0-e0,e ;,$" n# 24 "#0 "#!,$a:,a$,#n , 0e@,0ed.

AmJuance C4arges >#0 ",>$,n- $"e ,n0ed !a$,en$ >0#+ "#+e $# "#!,$a: a0e /een

c#<e0ed ! $# $"e :,+,$ +en$,#ned ,n $"e !#:,c%.

Ayur5edic &omeopat4ic %$e+ #> +ed,c,ne a0e c#<e0ed $# $"e e$en$ #> 2' #> 

S+ In0ed !0#<,ded $"e $0ea$+en$ , $aen ,n $"e G#<e0n+en$ 6#!,$a:.

!re0eisting diseases a0e c#<e0ed #n:% a>$e0 4 c#n$,n# and c:a,+ >0ee 0ene;a:

;,$" #0 C#+!an%.

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Ecusions

1. D,eae c#n$0ac$ed ;,$",n 38 da% #> ,n0ance.

2. Den$a: $0ea$+en$ ece!$ a0,,n- #$ #> acc,den$.

3. De/,:,$% and Gene0a: Rn D#;n C#nd,$,#n.

4. Sea::% $0an+,$$ed d,eae and 6I) (AIDS&.

'. C,0c+c,,#n= C#+e$,c 0-e0%= P:a$,c 0-e0% n:e 0e@,0ed $# $0ea$ ,n90% #0 

,::ne.

*. )acc,na$,#n and In#c:a$,#n.

. P0e-nanc% and c",:d/,0$".

. Wa0= Ac$ #> >#0e,-n ene+%= ,#n,,n- 0ad,a$,#n and nc:ea0 ;ea!#n.

7. T0ea$+en$ #$,de Ind,a.

18. Na$0#!a$"%.

11. D#+,c,:,a0% T0ea$+en$.

12. E!e0,+en$a: #0 n!0#<en $0ea$+en$.

13. A:: e$e0na: e@,!+en$ c" a c#n$ac$ :ene= c#c":ea0 ,+!:an$ e$c.

!remium

Med,c:a,+ P0e+,+ , /aed #n a-e #> $"e !0#!#e0 and -e#-0a!",ca: a0ea #> 

$0ea$+en$.

Features

1. D,c#n$ ,n !0e+,+ >#0 >a+,:% c#<e0.

2. L#%a:$% D,c#n$.

3. G##d 6ea:$" D,c#n$.

4. C+:a$,<e #n.

'. C#$ #> 6ea:$" C"ec !.

*. Inc#+e Ta ene>,$ nde0 Sec$,#n 8D #> IT Ac$.

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S4ort Term +edicaim !oicy 

Med,c:a,+ ,n0ance , a +ean$ $# c#<e0 a:: +ed,ca: e!ene ,n $"e cae #> 

"#!,$a:,a$,#n de $# ce0$a,n e0,# ,cne= d,eae #0 an acc,den$. F#0 $", 0ea#n

+ed,c:a,+ ,n0ance , a:;a% ad<,a/:e >#0 %#0e:> and %#0 >a+,:% +e+/e0. $

#+e $,+e %# can n#$ 0e@,0e $"a$ $"e !0c"ae #> ",-" c#$ +ed,c:a,+ ,n0ance

 !#:,c%. S"#0$ $e0+ +ed,c:a,+ ,n0ance "a<e /een >#0+:a$ed >#0 c" a c#nd,$,#n $#

-e$ $"e c#n,de0a/:e +ed,ca: c#<e0a-e.

S"#0$ $e0+ +ed,c:a,+ ,n0ance !#:,c% , a $e+!#0a0% #:$,#n and !0c"aed >#0 #n:%

"#0$ !e0,#d #> $,+e $"a$ , $"0ee +#n$" $# #ne %ea0. Gene0a::%= ,$ c#<e0 a:: +a9#0 

"ea:$" !0#/:e+ :,e #$"e0 $anda0d "ea:$" !:an. T", -,<e %# >0eed#+ $# c"##e

d#c$#0 #0 !ec,a:,$ %# ;," and $"e e!ene a0e c#<e0ed nde0 $", !#:,c% :,e

d#c$#0 >ee= "#!,$a: c"a0-e= 0-e0%= +ed,c,ne= d,a-n#$,c $e$ and #$"e0 e+e0-enc%

e0<,ce.

T", "#0$ $e0+ !:an , a>>#0da/:e !:an and ,$ d#en$ c#<e0 an% !0ee,$,n- d,eae=

 /ecae $"e !0e+,+ c#$ a0e c#n,de0a/:% #; and !a,d #n +#n$":% /a,. I$ !0#<,de

#n:% c#<e0 >#0 $"e c#nd,$,#n $and ;",c" ,$e:> ;,$",n $"e !an #> $"e !#:,c%.

S"#0$ $e0+ +ed,ca: ,n0ance c#<e0 , ,dea: >#0 $"#e nde0 $"e 9#/= $e+!#0a0%

e+!:#%ee= c#::e-e $den$ #0 9$ -0ada$e.

 

+edicaim for senior citiHens 

S!ec,a: +ed,c:a,+ !#:,c% >#0 en,#0 c,$,en , !ec,a::% de,-ned $# ca$e0 $"e need #> 

en,#0 c,$,en. I$ c#<e0 a:: "#!,$a:,a$,#n and d#+,c,:,a0% "#!,$a:,a$,#n e!ene

>#0 ,::ne and d,eae. I$ ,nc:de e!ene >#0 d#c$#0 >ee= "#!,$a: c"a0-e=

ane$"e$,$= n0,n- e!ene= /:##d= c#$ #> +ed,c,ne= d0-= #%-en= 0-,ca:

a!!:,ance= e$c.

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T",  +ed,c:a,+ !#:,c% , -ene0a::% ,ed $# !e#!:e /e$;een $"e a-e #> *8 $# 8

%ea0. I$ !0#<,de $"e /ene>,$ #> c+:a$,<e /#n= n# c:a,+ /#n= ca":e e0<,ce

and a:# $a /ene>,$ , c#n,de0 #n ,n0ance !0e+,+ nde0 ec$,#n 8D #> $"e

,nc#+e $a ac$.

T"e >#0 !/:,c ec$#0 -ene0a: ,n0ance c#+!an,e a0e #>>e0,n- $"ee !#:,c,e

1. Na$,#na: In0ance C#+!an% ()a0,"$aMed,c:a,+ >#0 en,#0 c,$,en&

2. Ne; Ind,a In0ance C#+!an% ( Med,c:a,+ >#0 en,#0 c,$,en&

3. O0,en$a: In0ance C#+!an% ( Sen,#0 C,$,en S!ec,>,ed D,eae In0ance&

4. S$a0 6ea:$" ? A::,ed In0ance ( Red Ca0!e$ 6ea:$" In0ance&

And !0,<a$e ec$#0 ,n0ance c#+!an% a9a9 A::,an Gene0a: In0ance C#+!an% a:#

#>>e0 JS,:<e0 6ea:$" !0#dc$ >#0 en,#0 c,$,en.

+edicaim !remium *ates

W"en %# "a<e dec,ded $# -# >#0 +ed,c:a,+ !#:,c%= %# ;,:: !a% $"e !0e+,+ #n

%#0 +ed,c:a,+ !#:,c% $# c#n$,ne $"e c#<e0a-e a-a,n$ an% n$#;a0d ,$a$,#n. T"e

 !0e+,+ !a,d , anna::%= "a:> anna::% #0 +#n$":%.

Gene0a::%= $"e !0e+,+ 0a$e a0e <a0% >0#+ c#+!an% $# c#+!an% and a:# de!end #n

<a0,# >ac$#0 :,e a-e #> $"e !e0#n= + a0ed and !#:,c% c#<e0a-e. T"e

,n0ance c#+!an,e a:# de$e0+,ne $"e >ac$#0 :,e ad<e0$,,n-= e::,n-= !a%,n- >#0 

"ea:$" ca0e e0<,ce= ,n<e$+en$ #> !0e+,+ !a%+en$ and !0#>,$ +a0-,n >0#+ $"e

,n0ance !#:,c%.

T"e !0e+,+ 0a$e a0e d,>>e0en$ >#0 +#e0= $"e ,n0ance c#+!an,e c"a0-e

add,$,#na: !0e+,+ #n $"e,0  +ed,c:a,+ !#:,c%.

P0e+,+ c"a0-ed #n ,nd,<,da: !:an , +c" ",-"e0 c#+!a0ed $# -0#! !:an de $#

ad<e0e e:ec$,#n. ecae nde0 -0#! !:an= c#+!an% -e$ $"e +#0e c$#+e0 nde0 

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#ne 0##> and c#+!an% de$e0+,ne $"e c$#+e0 ;,:: -ene0a::% /e ,n -##d "ea:$"

c#nd,$,#n.

Basic +edicaim !oicy

a,c +ed,c:a,+ ,n0ance , a d,>>e0en$ c#+a0ed $# #$"e0 $0ad,$,#na: +ed,c:a,+

 !#:,c%. I$ , a !ec,>,ed +ed,c:a,+ !#:,c% ;",c" !0#<,de c#<e0a-e a-a,n$ +ed,ca:

e!ene $"a$ a0e #$c#+e #> $"e ,cne #0 acc,den$. In $", !:an= c#<e0a-e , :,+,$ed

and !a% >#0 #n:% #ne #0 $;# e!ene ;",c" a0e !ec,>,ed /% $"e ,n0ed. T", , $"e

0ea#n= !#:,c% , n#;n a /a,c +ed,c:a,+ !#:,c%.

T", ,n0ance !#:,c% , d,>>e0en$ c#+!a0ed $# #$"e0 c#+!0e"en,<e  +ed,c:a,+ !#:,c%.

ecae

1. D#en$ c#<e0 c0,$,ca: ,::ne and 0-e0,e.

2. L#; c#$ ,n0ance cae :e c#<e0a-e.

3. S!ec,>,ed c#<e0a-e >0#+ $"e :,$.

Med,c:a,+ !0#$ec$ >0#+ $"e +#ne$a0% and >,nanc,a: !0#/:e+ ;"en #ne ,

"#!,$a:,ed /% ,cne. $ c"#,ce , %#0 $# c"##e /e$;een c#+!0e"en,<e "ea:$"

c#<e0a-e and !ec,>,ed "ea:$" c#<e0a-e.

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+E$CLA$+ $NS'*ANCE

Med,c:a,+ In0ance  , a !#:,c% $"a$ c#<e0 "#!,$a:,a$,#n e!ene -a$"e0ed ,n

c#0e #> ,::ne #0 acc,den$a: ,n90,e.

Benefits

1. 6#!,$a:,a$,#n C#<e0B O<e0a:: !a$,en$ "#!,$a:ca0e e!ene >#0 1Da%. W",c"

Inc:de 0##+ 0en$ and /#a0d,n- 2 #> + ,n0ed.

2. N0,n- d,/0a:.

3. D#c$#0 >ee

4. +ed,c,ne and d0- c"a0-e.

'. E+e0-enc% a+/:ance c"a0-e.

No0Caim iscount

1. ' $# 2' #> d,c#n$ >#0 e<e0% c:a,+>0ee %ea0.

EigiJiityB

1. A !e0#n a-e,n- ' +#n$" and 8 %ea0= , a 0e,den$ #> Ind,a=can #!$ $",

,n0ance.

Ta Benefits

1. C0ed,$ ca0d #0 c"e@e !a% !0e+,+ >#0 $", ,n0ance , e:,-,/:e >#0 0e:,e> 

nde0 Sec$,#n 8D #> $"e Inc#+e Ta Ac$.

Caims !rocedure

1. In>#0+ $"e ID n+/e0 $# $"e ,n0e0 >#0 ea% acn#;:ed-+en$.

2. In cae #> -e$$,n- "#!,$a:,ed="#:d ,n>#0+ ;,$",n 24 "#0 /e>#0e -e$$,n-

ad+,$$ed ,n$# $"e "#!,$a:.

3. I> $"e cae , e+e0-enc%= ,n>#0+a$,#n $# /e -,<en ;,$",n 24 "#0 a>$e0 

"#!,$a:,a$,#n.

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Ta Jenefits on your +edicaim !oicy

T"e0e , n# ;a% an%#ne can a<e $"e+e:<e >0#+ !a%,n- $a. $ %e ;e can 0e

e <a0,# $aa<,n- ,n$0+en$ $# :#;e0 d#;n #0 $a !a%+en$ /0den and -e$

+a,++ /ene>,$ >0#+ $"ee.

Med,c:a,+ , #ne ;a% #> a<,n- #0 "-e "ea! #> $a /0den= ;e 9$ need $# /e +a0$

en#-" $# -0a/ $"e 0,-"$ #!!#0$n,$%.

1. In0ance !0e+,+ !a%/a:e #n "ea:$" ,n0ance !#:,c% , $a dedc$,/:e nde0 

Sec$,#n 8 (D& #> $"e Inc#+e Ta Ac$ 17*1.

2. R. 1'888 can /e c:a,+ed $# /e dedc$ed #n "ea:$" ,n0ance nde0 Sec$,#n 8 (D&

3. Dedc$ !0e+,+ !a,d $#;a0d a c0,$,ca: ,::ne 0,de0 #n %#0 :,>e ,n0ance !#:,c%

nde0 Sec$,#n 8 (D&. Dedc$,#n nde0 Sec$,#n 8 (D& a0e #<e0 and a/#<e $"e

dedc$,#n nde0 Sec$,#n 8(C& #> R. 1 :a".

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*ESEA*C& +ET&OOLO/)

T"e 0eea0c" nde0$aen ;a $"a$ #> a dec0,!$,<e $%!e. Dec0,!$,<e 0eea0c"

a,+ a$ >ac$ >,nd,n- and +#0e #>$en , /aed #n 0<e%. I$ !0!#e , $#

dec0,/e $"e !0een$ $a$e #> a>>a,0 #> $"e $#!,c #> $d%.

I$ , #>$en 0e>e00ed $# a post0facto $d%.

ATA COLLECT$ON

!*$+A*) ATA

In cae #> !0,+a0% #0ce $"e ,n>#0+a$,#n ;a 0e$0,e<ed d,0ec$:% >0#+ $"e

c$#+e0 and a:e c#n:$an$. We "a<e d#ne $"e ana:%, ;,$" $"e "e:! #> $"e

,n!$ !0#<,ded /% $"e c$#+e0 #> $"e !0#dc$ #> $"e ,n0ance c#+!an,e.

T"e !0,+a0% da$a , c#::ec$ed $"0#-" c#ndc$,n- a 0<e% ;,$" $"e "e:! #> a

@e$,#nna,0e de,-ned /% +e.  In $"e an= c$#+e0 ;e0e a!!0#ac"ed and

de$a,:ed 0e!#ne ;e0e $aen and $"e,0 >$0e ,n$e0e$ ,n ,n0ance and

--e$,#n >#0 $"e c#+!an% ;e0e d:% 0ec#0ded. F#0 $"e #$"e0 /,d,a0%

 !0#9ec$= $"e !0#+#$,#n and a:e ;e0e d#ne a$ $"e "#;0##+ ,$e:> ;",:e $"e

,n$e0ac$,#n $"a$ $## !:ace >#0 >,::,n- $"e @e$,#nna,0e. T"e !0#!ec$,<e

c$#+e0 >#0 "ea:$" ,n0ance ;e0e c#n$ac$ed $"0#-" Te:eca::,n- and

$"e0ea>$e0 c#n<e0$,n- $"e ca:: ,n$# a:e.

ATA COLLECT$ON TEC&N$Q'ES

S'*%E)

% $", +e$"#d #> da$a c#::ec$,#n +#0e acc0a$e and 0e:,a/:e ,n>#0+a$,#n #n $"e

/9ec$ can /e #/$a,ned. In #0de0 $# -e$ a;a0e #> $"e c$#+e0 /e"a<,#0= ;e

de,-ned a @e$,#nna,0e ;",c" ;#:d "e:! e$0ac$ +a,++ ,n>#0+a$,#n #

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a $# ana:%e $"e >ac$#0 $"a$ !:a% a dec,,<e 0#:e ,n c$#+e0 c"#,ce #> an

,n0ance c#+!an%. 

CALL$N/

A>$e0 -e$$,n- $"e c$#+e0 de$a,: >0#+ $"e @e$,#nna,0e >,::ed $"e+= $"e

 !0#!ec$,<e c$#+e0 >#0 "ea:$" ,n0ance ;e0e ca::ed ? a:e ;e0e d#ne.

SECONA*) ATA

Sec#nda0% da$a ;a c#::ec$ed >0#+ /## and $"e ,n$e0ne$. 

*ESEA*C& A!!*OAC&

T"e !0#dc$ !#0$>#:,# #> IFFCO TOKIO , ;,de.

F#::#;,n- a0e #+e +e$"#d= ;",c" "a<e /een $aen ,n #0de0 $# c#+!:e$e $"e

 !0#9ec$ and +ae ,$ cce>:B

Unde0$and,n- $"e /a,c #> ,n0ance ,ne and -e$$,n- >a+,:,a0 ;,$" $"e

 !0#dc$ 0an-e #> IFFCO TOKIO.

Ae,n- $"e !0een$ ,$a$,#n #> IFFCO TOKIO ,n +#$#0 ,n0ance ,ne.

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+A#O* CO+!ET$TO*S OF $FFCO TO$O

NE $N$A

NAT$ONAL

'N$TE $N$A

O*$ENTAL

$C$C$ LO+BA*

BA#A# ALL$ANK

C$#+e0 0e:a$,#n",! +ana-e+en$ (CRM& , a c$#+e0cen$0,c /,ne

$0a$e-% ;,$" $"e -#a: #> +a,+,,n- !0#>,$a/,:,$%= 0e<ene= and c$#+e0 

a$,>ac$,#n. $ec"n#:#-,e $"a$ !!#0$ $", /,ne !0!#e ,nc:de $"e ca!$0e=

$#0a-e and ana:%, #> c$#+e0= <end#n= !a0$ne0= and ,n$e0na: !0#ce

,n>#0+a$,#n. >nc$,#n $"a$ !!#0$ $", /,ne !0!#e ,nc:de Sa:e=

Ma0e$,n- and C$#+e0 Se0<,ce= T0a,n,n- P0#>e,#na: De<e:#!+en$=

Pe0>#0+ance +ana-e+en$= 6+an Re#0ce De<e:#!+en$ and C#+!ena$,#n.

Tec"n#:#-% $# !!#0$ CRM ,n,$,a$,<e +$ /e ,n$e-0a$ed a !a0$ #> an #<e0a::

c$#+e0cen$0,c $0a$e-%.

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SOT ANAL)S$S OF $FFCO TO$O /.$.C LT.

SWOT ana:%, (S$0en-$"= Weanee= O!!#0$n,$,e= and T"0ea$& , a ;e::

e$a/:,"ed +ean #> $",n,n- c0,$,ca::% a/#$ a /,ne= ,$ 0e#0ce= and ,$

en<,0#n+en$. D#,n- an ana:%, #> $", $%!e , a -##d ;a% $# ae a /,ne and ,$

+a0e$.

ST*EN/T& EANESS O!!O*T'N$T) T&*EAT

ST*EN/T& EANESS O!!O*T'N$T) T&*EAT

0and Na+e Lac,n- ,n

c$#+e0 0e$en$,#n

$# ",-" !0e+,+

0a$e.

T# 0eac" $"e -##d

e0<,ce

C#+!e$,$,<e P0,ce

C#n$,n#

Inn#<a$,#n

Lac c$#+e0

#0,en$a$,#n

6-e n$a!!ed

P#$en$,a:.

:ead $# ",-"e0

c#+!e$,$,#n.

W,de !0#dc$

 !#0$>#:,#.

Lac ,n F#::#;! C$#+e0 <a:e

@a:,$% $"e +#$.

C$ $"0#a$

c#+!e$,$,#n ;,$"

a9a9 A::,an ?

ICICI LOMARD.

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CO+!A*$SON OF *ATES OF $FFCO TO$O $T& OT&E* CO+!AN$ES.

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CONCL'S$ON

C#n$,ned $0en-$" ,n $"e /0#ade0 ec#n#+% and -0ada: 0e>#0+ ,n $"e n#n :,>e

ec$#0 a0e e!ec$ed $# c#+/,ne $# !0#dce $0#n- !0e+,+ -0#;$" ,n $"e

Ind,an +a0e$ #<e0 $"e ne$ >e; %ea0.

Q W",:$ Ind,a c00en$:% 0e+a,n a +ed,+ ,ed n#n :,>e +a0e$= $"e -0#;$"

 !0ed,c$ed #<e0 $"e +ed,+ $# :#n- $e0+ , a$$0ac$,n- ,nc0ea,n- :e<e: #> 

>#0e,-n ,n<e$+en$ and c#+!e$,$,#n. Man% #> $"e ;#0:d :a0-e$ ,n0e0 c"

a AIG= IFFCO TOKIO ? ALLIAN a0e !0een$ ,n $"e +a0e$. T"e ne;

 !0,<a$e ,n0e0 a0e -0#;,n- >a$ and "a<e a:0ead% de<e:#!ed a c#+/,ned

+a0e$ "a0e #> 48 .

Q A $"e +a0e$ , :,/e0a:,ed and /ec#+e +#0e +a$0e $"e !0,<a$e >,0+ a0e

c#n,de0ed ;e:: !:aced $# ca!$0e an e<en -0ea$e0 "a0e #> a >a$ -0#;,n-

+a0e$. T"e +a,n 0, $# !0,<a$e ,n0e0 , $"e ",-" :,e:,"##d #> $a,ned

 !0,ce c#+!e$,$,#n a $a0,>> a0e 0e+#<ed >0#+ #+e c:ae #> /,ne c" a

>,0e= en-,nee0,n- +#$#0 e$c.

In $"e end= n#$,#n a/#$ eac$:% ;"a$ c#n$,$$e -##d c$#+e0 e0<,ce a0e

e<#:<,n-= d0,<en /% ,nc0ea,n-:% n#;:ed-ea/:e c$#+e0 ;"# "a<e /ec#+e

e+!#;e0ed /% $"e,0 #;n ;,::,n-ne $# e+/0ace $ec"n#:#-% and e ,$ $# $"e,0 

 /ene>,$. A ,n0e0 /e-,n $# de+#n$0a$e a c#++en0a$e ;,::,n-ne $#

ca!,$a:,e #n $ec"n#:#-,ca: ad<ance= ad<,#0%= $0anac$,#na: and ,n>#0+a$,#na:

e0<,ce ;,:: /e ada!$ed $# de:,<e0 e0<,ce $"a$ n#$ #n:% #>>e0 ",-"e0 :e<e: #> 

c$#+e0 a$,>ac$,#n= /$ de:,<e0 #!!#0$n,$,e >#0 ,n0e0 $# -0#; 0e<ene

and !0#>,$a/,:,$%.

Se:>e0<,ce +a% /e e!ec$ed $# /ec#+e $"e c$#+e0 a<ene #> >,0$

$0anac$,#na: c"#,ce= a We//aed c"anne: !0#<,de 24 a<a,:a/,:,$%= ec0,$%

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, $,-"$ened and ,n$e0ac$,#n /ec#+e >a$e0= ea,e0 $# ,n,$,a$e and +#0e $a,:#0ed $#

 !e0#na: need Scce>: ,n0e0 ;,:: de>,ne -##d c$#+e0 e0<,ce

$0a$e-,ca::%= n#$ $ac$,ca::%. Eac" c$#+e0 e0<,ce e<en$ ;,:: /e een a a ;a% $#

,nc0eae :#%a:$%= an$,c,!a$e 0e:a$ed c:,en$ need >#0 $"e /ene>,$ #> c0#e::,n-

and ,nc0eae 0e<ene. In add,$,#n= ,n0e0 ;,:: "a<e $"e a/,:,$% $# nde0$and a

c$#+e0 :#n-$e0+ <a:e and !0#<,de !e0#na:,ed e0<,ce $# "e:! 0ea:,e ,$.

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*ECO++ENAT$ONS

D0,n- +% c#0e #> $0a,n,n-= I "a<e #/e0<ed >e; :ea! a$ $"e c#+!an% end

# ;,:: :,e $# 0ec#++end $"e >#::#;,n-B

CO+!ET$T$%E !*$C$N/

IFFCO TOKIO "#:d ee! ,$ 0a$e ,n acc#0dance $# $"e +a0e$ # a $#

 !:: +#0e c$#+e0= ;,$"#$ c#+!0#+,,n- $"e @a:,$% ? +a,n- $"e

 !0#dc$ +#0e a:ea/:e.

 In #0de0 $# "a<e a -0a/ ,n +a0e$= IFFCO TOKIO "#:d !0#<,de @,c ?

$,+e:% e0<,ce !ec,>,ca::% $# ,$ !0e+,+ c$#+e0. I$ can ad#!$ $"e

$0a$e-% #> !0#<,d,n- !0e+,+ e0<,ce $# !0e+,+ c$#+e0.

ST*ATE/$ES FO* $+!*O%$N/ SALES !*O+OT$ON OF  $FFCO

TO$O

IFFCO TOKIO "#:d a,0 ,$ ad<e0$,e+en$ ,n $"e !0,+e /,ne c"anne:

:,e CNC T) 1 and NDT) PROFIT.T"e c#+!an% ,n$ead #> "a<,n- a

>:: >:ed-ed c#++e0c,a: can a:# e a 0nn,n- +a0@ee #n $"e ne;

c"anne: :,e NDT)=TIMES NOW and CNN IN ;",c" ;,:: !0#+#$e $"e

c#+!an%.

T"e c#+!an% need $# /ec#+e +#0e /%e0 >0,end:% and "#:d 0e<a+! ,$

c$#+e0 -0,e<ance 0ed0ea: %$e+.

W#0 #n -a,n,n- $"e n$a!!ed !#$en$,a: ;",c" , de $# B

Q Lac #> !0#dc$ n#;:ed-e ? /0and 0eca:: $"e c#+!an% "#:d +ae

$"e c$#+e0 a;a0e a/#$ ,$ !0#dc$ !#0$>#:,# /% "a<,n- an e>>ec$,<e Te:e

ca::,n- e0<,ce %$e+.

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Q A/ence #> a c$#+e0 cen$0,c a!!0#ac" $"e c#+!an% "#:d ;#0 #n

 /e,n- +#0e /%e0 >0,end:%.

Ma0e$,n- !!#0$ "#:d /e !0#<,ded $# d,$0,/$,#n c"anne:.

S$0en-$"en anc a0ance An ,n$e-0a$ed an,n- ? In0ance /,ne.

O0-an,e ad<e0$,,n- ca+!a,-n e+!"a,,n- #n !#:,c% >ea$0e= /ene>,$

? e0<,ce :e<e: 0a$"e0 $"an !0,ce.

I+!0#<e ,$ P0#ce E>>,c,enc%. T", can /e d#ne /% "#0$en,n- $"e !#:,c%

,ance c%c:e.

E!and,n- $"e /,ne $"0#-" e>>ec$,<e a-en$ =ad<e0$,e+en$

A-en$ >#0+ a c0c,a: :,n /e$;een $"e ,n0e0 and $"e ,n0ed $"= $"e%

"#:d /e -,<en add,$,#na: /ene>,$ #$"e0 $"an c#++,,#n.

S!0ead,n- ,n0ance n#;:ed-e a+#n- $"e !e#!:e= >#c #n 00a: a0ea.

T"e0e :,e a "-e !#$en$,a: ,n 00a: a0ea ;,$" ,nc0eae ,n a-0, /,ne and

$"e,0 !0c"a,n- !#;e0.

Tec"n#:#-% can !:a% a c0c,a: 0#:e ,n de:,<e0,n- $"e ",-"e$ $anda0d e$

 /% $"e c#+!an% an ,$ ;,:: /e ,+!e0a$,<e >#0 an% e0,# !:a%e0 $# ece: ,n

a:: $",.

0,n-,n- ne; ,nn#<a$,<e !0#dc$ #>>e0,n- ,n $"e +a0e$ ;,$" -##d

 /ene>,$ and e0<,ce $anda0d.

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L$+$TAT$ON OF T&E ST')

A eac" $d% d# ;e "a<e #+e /ene>,$ and #+e c#!e = $"e0e , #ne +#0e

$",n- ;",c" , +#$:% >#nd ,n an% 0eea0c" ;#0 and $"a$ , :,+,$a$,#n

.L,+,$a$,#n a0e $"e 0e$0,c$,n- >ac$#0 enc#n$e0ed d0,n- $"e 0eea0c" $d% = ,$

d#e "a<e #+e :,+,$a$,#n = ;",c" ;a !0een$ d0,n- $"e c#0e #> $d% and

a0e $"e >#::#;,n-B

• De $# #+e #> $"e c$#+e0 ;a n#$ 0ead% $# 0e!#nd.

• T"e de-0ee #> /0and a;a0ene , n#$ $"e +a0.

• A::#;ance #> $"e and $"e c#$ a ;e::.

• Ree0<e na$0e #> c$#+e0.

• T0an!a0enc%.

• Pene$0a$,#n.

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B$BL$O/*A!&)

• ;;;.,>>c#$#,#.c#+

•

;;;.-##-:e.c#+

• T"e Ec#n#+,c T,+e

• ;;;.-,c#>,nd,a.,n

• ;;;.,0da,nd,a.#0-

• ;;;.,n0ancea-e.c#+

• ;;;.,$-,.,n

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Q'EST$ONNA$*E

CO+!AN) NA+E0

NA+E 0

A*ESS0

TELE!&ONE NO0

A/E OCC'!AT$ON $NCO+E

  1'2' $den$ 8'888

2'3' E+!:#%ee '8881888

3'4' ,ne+en 18881'888

4'a/#<e P0#>e,#na: 1'888a/#<e

Q.7 &a5e you 4eard t4e name of $FFCO TO$O M

 (a& Ye ( & (/& N# ( &

Q.8 4et4er $nsurance Ta1en M

(a& Ye ( & (/& N# ( &

Q.9 $f yes G4o is t4e insurer M

(a& ICICI (/& a9a9 A::,an (c& Na$,#na:

(d& IFFCO TOKIO (e& Ne; Ind,a (>& An% O$"e0

(-& Un,$ed In0ance

Q.: !oicies ta1en M

(a& F,0e ( & (/& -:0% ( &

(c& Med,"e,:d ( & (d& Pe0#na: Acc,den$ ( &

(e& An% O$"e0 ( &

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Q.; &a5e you e5er 4ad any caim M

(a& Ye ( & (/& N# ( &

Rea#n..

Q.< oud you i1e to c4ange your insurer M

  (a& Ye ( & (/& N# ( &

  Q.= 4at is your epectation from t4e non0ife

In0ance c#+!an%

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