Prepared by Minh Trí

(November-2009)

AUG Ratio SEPT Ratio OCT Ratio

New Case 1745 100% 1115 100% 659 100%

Clean Case 1567 89.8% 919 82.46%

406 61.6%

Incomplete 108 6.2% 112 10.04%

184 27.9%

ME 49 2.8% 69 6.2% 69 10.5%

Declined/Postponed

15 0.9% 9 0.8% 15 2.3%

Cancel 6 0.3% 6 0.5% 1 0.2%

NEW BUSINESS

INCOMPLETE RATIO

R ate of inc omplete c as es eac h month

20.78%

15.15% 14.79% 15.22% 15.97%

10.93%

7.05% 6.19%

10.04%

27.90%

0

0.05

0.1

0.15

0.2

0.25

0.3

1 2 3 4 5 6 7 8 9 10

SOLUTIONS FOR INCOMPLETE

*Lack of Signature on document*Not fulfill all question on app form (Health Declaration)*Lack of family history*Others reason (For ex: wrong BDO, Wrong name..)

REASON

-Co-operate with Training Dept to train agent directly how to finish app form. -Show some common mistake on the slide on training class -CS Manager train BDO/BM in BM Meeting

SOLUTION

RENEWAL PREMIUM COLLECTION

Total premium collection efficiency 48.6%.Aug, 2009 include P case+ grace period :79.7%.

ANALYSIS & SOLUTIONUnpaid-cases

Analysis SolutionTo improve Agent recruit and education management, enhance contact quality. We need to enhance the contract quality. So we can

reduce the surrender rate

Building a good premium pay habits of Agents and clients to reduce payment on grade period.

Enhance to talk with Agent that collector collect premium is our company main duty

Agent buy insurance to achieve target/Agent resign and they don’t pay any more.

Clients delay payment (involving to grade period regulation)

Clients surrender (financial difficulty, relationship with agent agent resign and they surrender

Require Agent collect premium, cannot contact clients.

MONTHLY TIA CHECKING

- All unchecked TIAs are posted on Newspaper for Losing Advertisement

- BDO have to report reasons for un-checked TIA

Month10th 11th 12th

Checked Ratio

Unchecked TIA

Checked Ratio

Unchecked TIA

Checked Ratio

Unchecked TIA

DANANG 95% 19 97% 10 99.6% 01

HANOI 95% 55 94% 70 99.6% 04

HCM 96% 24 94% 45 95.5% 29

CANTHO 98% 5 98.6% 08

TOTAL 95.3% 98 95.75% 130 98.3% 42

NOT-TAKEN RATIO

T OT AL

3.3%2.6%

6.2%6.7%

7.2%7.9%

5.2%4.3% 4.6% 4.5%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

6.0%

7.0%

8.0%

9.0%

Axi

s T

itle

T OT AL 3.3% 2.6% 6.2% 6.7% 7.2% 7.9% 5.2% 4.3% 4.6% 4.5%

1 2 3 4 5 6 7 8 9 10

HOW TO REDUCE NOT-TAKEN CASE

NEW REGULATION:

From now SC comply with new regulation to reduce not-taken ratio:

In cases, agent helps client submit at CS, the Not-taken form has to generate BM’s signature

Agent will be deduct 90.000 VNĐ from their account automatically.

We continue inform to audit when we find out any abnormal sign regarding to cancel in free look period

SUCCESSFUL CONFIRMATION CALL

CONFIRMATION CALLS

SOME SOLUTIONS :* Remind BM feedback correct number twice a week* If not received any feedback CC call directly to Agent

ACTIVITIES IN NOVEMBER 09

1.Training new Staff.2.Manage confirmation letter.3.Forward Confirmation Call to Audit Dept. 4.Testing new product.5. Make regulation to improve surrender cases.6.Using new ME regulation.7.U/W joined training class to train new agent8.Completed set up collector working area in HN9.Meeting with IT & training Dept to enhance

system and update information

NEXT MONTH PLAN

• Building collector system process (recruit new collector and supervisor)

• Contact directly to agent for unsuccessful confirmation call.

• Record all of incoming call. • Finish testing new product.• Develop the project to sign the contract with

hospital for claim.• Revise POS manual for staff.• Follow up forge signature cases.