Health Insurance

Health Insurance CRM For Advisors & Consultants

Streamline policy management, make informed decisions with ease, and accelerate your health insurance sales using Shiven CRM, a comprehensive digital platform built specifically for health insurance advisors, managers, and their teams.

What Is Health Insurance?

Health insurance is a financial product that helps individuals and families cover the rising costs of medical care. It typically pays for hospitalisation, treatments, diagnostic tests, surgeries, and preventive healthcare. As healthcare costs escalate annually, health insurance offers a crucial safety net, ensuring that people have access to quality care without facing financial ruin. From individuals to senior citizens to entire families, a reliable health insurance plan provides peace of mind and financial security. With Shiven CRM, your team can efficiently manage client data, compare plans, handle documentation, monitor renewals, and expand your health insurance portfolio all from one powerful platform.

Key Types of Health Insurance Plans

Each client has different healthcare requirements. Shiven CRM enables your team to provide and administer the appropriate policy to each one.

1. Individual Health Insurance

Protects a single person, including medical bills due to illness, hospitalisation, or accidents. Best suited for young professionals and individuals looking for individual protection

2. Family Floater Plans

A single policy that insures all family members, pooling a collective sum insured. Best for couples, parents, and children under a single premium

3. Senior Citizen Plans

Tailor-made coverage for people aged 60 and older, with benefits appropriate for age-related health requirements. Comprises increased coverage for intensive care, diagnostics, and a longer duration of recovery

4. Critical Illness Insurance

Pays a guaranteed lump sum amount on diagnosis of certain serious diseases such as cancer, stroke, or kidney disease. Intended to alleviate the financial burden of lengthy treatment and recuperation .

5. Top-Up & Super Top-Up Plans

Extra layers of protection that come into effect after a specified level, raising the overall amount of insurance without exorbitant premiums. Beneficial to clients with existing employer insurance who desire extra protection

Add-On Features under Health Insurance

Shiven CRM facilitates easy client education on voluntary features clients can include to enhance health coverage. Popular add-ons are:

      • Room Rent Waiver: Eliminates the limit on room category in case of hospitalization
      • Maternity Cover: Covers the costs of delivery and treatment of the newborn
      • Daycare Procedures: Covers short procedures or treatments not needing 24-hour hospitalization
      • AYUSH Coverage: Covers alternate therapies such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy
      • OPD Benefits: Covers outpatient visits, dental treatment, and routine check-ups

What Is Shiven Health Insurance CRM?

Shiven CRM is a highly specialized digital platform that assists health insurance sales teams with handling each step of the health insurance process from lead procurement and policy comparison to claims assistance and renewals. All client data, policies, follow-ups, and service requests are structured in a simple-to-use dashboard that can be reached anywhere, at any time.

Key Features for Shiven Health Insurance CRM

Smart Client Profiles

Create in-depth profiles with age, family size, medical history, and policy requirements. The CRM recommends automatic plan and add-on matching.

Plan Comparison Tools

Allow your agents to compare multiple health insurance companies with side-by-side benefits, premium costs, and features.

Renewal Automation

Don't miss a renewal. Shiven CRM sends automated reminders to clients via email, SMS, and WhatsApp before policy renewal.

Document Management

Safely upload, store, and retrieve policy documents, medical reports, KYC documents, and claim-related documents.

Claims Assistance Tracking

Track claim status, support tickets, and client inquiries, all in one place for quicker service and improved retention.

Lead Scoring & Sales Pipeline

Prioritise high-priority leads, assign follow-ups, and monitor deal phases to improve policy closure rates.

Managerial Benefits with Shiven CRM

    Shiven CRM is designed not just for sales agents, but for team leaders and agency heads who want total control and clarity.
      • Centralized dashboard to manage all clients, leads, and policies
      • Team performance reports with daily, weekly, and monthly views
      • Reduced operational delays with real-time updates
      • Simplified compliance tracking and documentation
      • Cloud-based access for field agents and remote teams

Key Policy Features

    Instructing clients on fundamental policy terms increases trust and creates reasonable expectations. The following are significant factors your staff needs to inform clients about:
      1. Waiting Periods: The majority of health insurance policies come with a waiting period before the ability to claim specific benefits. These include maternity, particular illnesses, or pre-existing conditions.
      2. Portability: Customers may change to another insurer without losing the continuity advantages, including the waiting period credit. Shiven CRM can handle portability requests and paperwork
      3. Pre-Existing Diseases (PED): These are conditions that the client has prior to taking the policy. PEDs are covered after a waiting period specified in the policy.
      4. Exclusions: Exclusions are conditions or treatments that are not covered under a policy. Some common exclusions are cosmetic surgery, self-inflicted damage, and substance abuse treatment.

Why Choose Asset Management Life Insurance CRM?

Asset Management CRM is a specialized digital platform designed for managers and their insurance sales teams to efficiently handle client portfolios, policy management, communication, and sales pipeline all in one secure dashboard.

    By assigning this tool to your employees, you enable them to:
      • Track leads and client interactions
      • Automate renewal reminders and follow-ups
      • Manage KYC and documentation digitally
      • Compare insurance plans from multiple providers
      • Monitor sales performance and conversion rates

Frequently Asked Questions

Answered all frequently asked questions. Still confused? Feel free to contact us.