PROJECT REPORT ON SUMMER INTERNSHIP

Submitted by – Adityaroop Pathak

Sales and Marketing intern at TATA AIG
Submitted to –
Dr. Abhishek Srivastava
PREFACE
Health is a type of income and India is rapidly becoming more health-conscious. They have
recognized the value of health insurance. As a result of this realization, the medical insurance
market is now one of India's fastest-growing markets. After liberalization, the health
insurance sector in India has grown dramatically, owing to the advent of private health care
financiers, an increase in health consciousness across all segments of society, an increase in
household income, price and service competitiveness among health insurers, and a lack of
bureaucratic attitude among health insurance employees.
In today's fast-paced world, insurance is emerging as an essential tool for mitigating the
effects of volatility and risk. It has become an intrinsic and necessary part of human life. The
COVID-19 pandemic has made us realize that the future is unpredictable, and a medical
emergency can occur at any moment. As a result, health insurance is needed to cover us in
the event of a medical emergency. We are all practicing social distancing and taking health
precautions and steps, but in addition to precautions, we need health insurance. Remember
that health care is something that any family needs, not only during a pandemic but also for
any potential medical problems. We are currently grappling with the second, more worrying
wave in India.
In this report we will tracking the significant change in insurance industry towards
digitalization. The industry not only requires digital delivery strategies, but the design of
services has also necessitated a focus on digital processes across the board, whether they be
underwriting processes, policy issuance processes, or claim filing processes.
The report will also outline the palpable shift in the customer's attitude. The pandemic has
raised awareness of the significance of protective investments, especially in health and life
protection. Health insurance has undoubtedly taken the driver's seat when it comes to return-
based instruments, both from the customer perspective and the insurance industry.
The health insurance industry expects the pandemic's tailwinds to support the move toward
greater penetration by untapped segments in 2021 as well. Simultaneously, data-driven
technologies and digital platforms such as AI, IoT, RPA, machine learning, and blockchain,
among others, can aid in the acceleration of administrative tasks such as underwriting, claim
processing, and customer service.
This internship at TATA AIG, a company that offers insurance solutions to people and
businesses and a reputed brand committed to providing innovative and appropriate insurance
products in the retail and commercial sector, gives me a fantastic opportunity to study
"People's Perception and understanding about insurance, especially health insurance, the
importance of understanding consumer behavior, the impact of brand loyalty, the effect of
branding on consumer buying behavior, and study in factors affecting customer preference
towards health insurance."
ACKNOWLEDGEMENT
This project has been a genuinely collaborative effort. I want to take this opportunity to thank
everyone who assisted with the planning and execution of this project.
I owe my gratitude to the management of TATA AIG Life Insurance ltd Gurgaon, Prashant
Shukla of TATA AIG Life Insurance in Gurgaon branch for his advice and supervision of
this project report, as well as all other executives and staff in Tata AIG Life Insurance Ltd
who have participated and supported in this internship program, sparing their most valuable
time and also reaching out to me in the most positive way in giving me precious inputs.
I want to express special thanks and gratitude towards Dr. Abhishek Srivastava, my faculty
mentor for this summer internship, for taking out his valuable time to help me out with
helpful advice and has supported me with his insights during the project and task that were
duly assigned.
I would also like to express my heartfelt appreciation and deep gratitude to the faculty and
administration of INDIAN INSTITUTE OF MANAGEMENT, Jammu, for their kind
cooperation and encouragement.
Finally, I would like to express my gratitude to my colleagues and friends for their assistance
in completion of my internship.
(ADITYAROOP PATHAK)
EXECUTIVE SUMMARY
Through this report, I intend to provide a comprehensive description about my experience
interning at TATA AIG General Insurance Company. The nature of internship is
unstructured. I have worked as marketing and sales intern at the company for 8 weeks,
Because health insurance is a growing market in India, we were assigned to sell Health
Insurance products during our internship.
To complete this task, we devised marketing strategies to compete with other individuals or
businesses that sell insurance especially when there is increase in the risk consciousness of
people and have been inclined to care for themselves and their family health, even more
during the pandemic.
Apart from that I have also conducted qualitative market research regarding –
 Company’s profile
 Mission and vision
 Competitor Analysis
 Swot Analysis
 Pest analysis
I have also covered the industry analysis specially of the domain that I was specially put
incharge of i.e., health insurance. Conducting the market research through both secondary
and primary research methods I have covered –
 Origin and history of insurancce
 The evolution of insurance and health insurance
 Consumer behaviour
 Effect of branding on consumer buying behaviour
 Consumer awareness regarding health insurance
The various methods used to gather information and data for the purpose of this report were-
 Generating data of potential leads in my network
 Secondary research methods include reading reports by the government, by research
institutes etc
The report mainly focuses on the tasks that were given by the company mentor part and it
also includes the aforementioned points related to brand perception, consumer behaviour,
consumer perspective and awareness. I have also furnished the consolidated report that
contains swot and pest analysis, market research methodology, recommendations, resources,
my learnings during completion of the tasks.
TABLE OF CONTENTS
Table of Contents:
Particulars Page Number
Cover 1
Preface 2
Acknowledgement 3
Executive summary 4
Introduction 6
Concept of insurance 6
History of insurance 7
Health insurance 8
Evolution of health insurance 9-10
PEST analysis 10-11
TATA AIG Company profile 11-13
Swot analysis 13-14
Objective 14
Data & Methodology 14
Result 14
Conclusion & Recommendations 14-15
Reference 15
INTRODUCTION
Insurance plays an important role in today's diverse modern world because the danger that
can be covered has risen dramatically in all walks of life. This has resulted in the expansion
of the insurance industry and the evolution of different forms of insurance coverage. The
insurance industry serves as a mobilizer of investments, a financial broker, and a promoter of
investment activities. It can play a significant role in a country's economic development, and
economic development can help the insurance sector expand.
During my internship at the company as I have been dealing with products in the health
insurance criteria and at TATA AIG health insurance plans are designed to be able to deal
with a variety of situations without high expenses. Health insurance pays for medical
expenses incurred as a result of various illnesses and injuries. It covers the majority of your
medical, surgical, and dental costs (in some cases). Refunds are mostly cashless, but refunds
are given in some cases if the company is not affiliated with the hospital.
CONCEPT OF INSURANCE
Insurance is a type of risk management that mainly serves to reduce the risk of a contingent,
unforeseeable loss. Insurance is defined as the equal transfer of loss liability from one party
to another in exchange for monetary compensation. Insurance is essentially a contract in
which the costs of a few are shared by a large number of people who face similar risks. It
functions as a hedge against financial loss that may occur as a result of an unforeseen event.
In exchange for the insurer's obligation to reimburse or indemnify the insured in the event of
a significant loss, the insured accepts a guaranteed and known, reasonably small loss in the
form of payment to the insurer.
Insurance is classified in tow main categories –
a) Life Insurance
b) General or non-life insurance
Life insurance, is an arrangement between the policy owner and the insurer in which the
insurer promises to pay a sum of money to the chosen recipient in the event of the insured
individual's death or other event, such as terminal or severe disease. In exchange, the
policyholder decides to pay a predetermined amount at predetermined times. This is
further divided into two main categories –
 Protection plans are structured to include a reward in the event of a stated event,
usually in the form of a lump sum payout. Term insurance is a popular form of this
scheme.
 Investment policies: the key goal is to promote capital growth through single or
recurring premiums. Whole life, universal life, and variable life policies are the most
common types in this group.
General insurance or non-life insurance plans, such as car and homeowners' policies, pay out
based on the damage caused by a specific financial case. General insurance usually includes
any insurance coverage that is not considered life insurance.
Vehicle, home, health, infrastructure, injury, sickness, and unemployment , liability, and
credit are some examples of general insurance plans. The terms of insurance are usually
determined by the organisation that provides the coverage.
HISTORY OF INSURANCE IN INDIA
General insurance has its origins in the Western Industrial Revolution and the following rise
of sea-faring trade and commerce in the 17th century. As a result of British rule, it came to
India. General insurance in India dates from the year 1850 when Triton Insurance Company
Ltd. was established in Calcutta by the British. The Indian Mercantile Insurance Ltd was
established in 1907. This was the first company to handle general insurance of all kinds. The
General Insurance Council was founded as an Indian Insurance Association branch in 1957.
To ensure ethical behaviour and business practise, the General Insurance Council established
a code of ethics.
In order to regulate investments and to ensure minimum solvency limits, the Insurance Act
was amended in 1968. At that time the Tariff Advisory Board was set up. On 1 January 1973,
by passing the General Insurance Business (Nationalisation) Act in 1972, the General
Insurance Company had been nationalised. 107 insurers were formed into four companies:
NSCL, New Indian Assurance Company Ltd. and ORI, as well as United India Insurance
Company Ltd. The Indian General Insurance Corporation was founded in 1971 and started
operations in 1973 in January..
Insurance has completed a journey of almost 200 years in this century. The reopening process
started in the early 1990's and went significantly further over the past decade. In 1993, the
government formed a committee chaired by RN Malhotra, former Governor of the Reserve
Bank of India, to recommend reform of the insurance sector. The objective was to
complement the reforms in the financial sector that were already under way. In 1994 the
commission produced its report recommending that the private sector be allowed into the
insurance industry, among other things.
The Insurance Regulatory and Development Authority was founded in 1999 as an
independent body to regulate and expand the insurance industry, in response to the
recommendations made by the Malhotra Committee. In 1999, it was set up. In April 2000, the
IRDA was founded as a legal entity. The primary objectives of the IRDA include promoting
competition to improve customer loyalty through increased choice and lower premiums,
while also ensuring financial stability in the insurance industry. The IRDA launched the
market in August 2000 by inviting applicants to apply for registrationsForeign firms were
allowed to operate in the country. In December 2000, the General Insurance Corporation of
India's subsidiaries were restructured as separate companies, and GIC was transformed into a
national re-insurer at the same time. In July 2002, Parliament passed legislation separating
GIC's four subsidiaries.
There are currently 34 general insurance companies running in the country, including the
ECGC and the Agriculture Insurance Corporation of India, and 24 life insurance companies
own up to 26% of the business.
There is a huge rise in the insurance industry at a speed of 15% to 20%. Insurance services
contribute about 7% of the country's GDP, as do banking services. A developed and well-
developed insurance sector boosts economic growth because it provides long-term funding
and improves the risk-taking capacity for infrastructure development in the country.
At this internship I was given the opportunity to work in the domain of health insurance,
which was a fantastic opportunity for me to study about the health insurance and its
increasing importance in the market and its perception among the consumers.
HEALTH INSURANCE
Health insurance is a type of insurance that typically covers the insured's medical, surgical,
prescription medication, and, in some cases, dental expenses. Health insurance may either
reimburse the insured for medical expenses incurred as a result of illness or accident, or it
may directly compensate the care provider. It is also included in workplace benefit packages
to entice quality employees, with premiums paid in part by the employer and withheld from
employee paychecks.
Types of health insurance in India-
1. Individual health insurance - An individual health insurance policy, as the name
implies, covers the medical costs of a single person. This coverage is available for
you, your parents, your partner, and your children. Eachfamily member receives an
individual amount insured under this arrangement. For eg, if your plan amount
insured is Rs 10 lac, each family member is entitled to use up to 10 lakhs per policy
period, i.e. if you buy an individual plan for three members, the collective sum
insured for the three is Rs 30 lakhs. It means that if anything were to happen to
any/more than one of your family members at the same time, this health insurance
policy would protect them all because of the separate sum insured.

2. Health Insurance for Family Floaters- A single amount insured is eligible for all
persons under one scheme under such policies. This entire amount will be disbursed
for the care of a single person, in which case no further claims will be compensated in
the event of another medical emergency. Senior citizens are not eligible for family
floater plans because their medical conditions are more complex.

3. Senior Citizen Health Insurance Tailor-made to cover all medical expenses for
elderly people, such plans are only available to those over the age of 60.
Comprehensive coverage for various types of illnesses that may develop as a result of
old age is expanded.

4. Group health insurance- Employees of Group Health Insurance Companies have

access to such plans where the employer pays the premium, and there are provisions
in place to ensure that the sum insured is replenished. Such group health insurance
policies are cost-effective and are implemented as a means of retaining employees.
However, keep in mind that this insurance coverage is only available while you are
employed by the company. If you have been fired or have left your job at the
company, you are no longer eligible for the benefits of the policy.

5. Top up health insurance- Often, the treatment costs you estimate when purchasing a
health insurance policy will rise over time, even if your sum insured remains constant.
In such cases, you can opt for a top-up to your existing policy rather than purchasing a
separate policy. This top-up policy contributes to an increase in the overall sum
insured, which you can use in the event of an emergency. However, in order to
receive the top-up, you must first select a deductible amount. For example, if you
choose a Rs. 3 Lakh top-up plan with a Rs. 50,000 deductible. Then, at the time of
claim, you will have to pay this Rs. 50,000 out of your own pocket. Once the
 deductible amount has been met, the insurance provider will step in and cover the
remaining expenses up to 3 lakhs.

EVOLUTION OF HEALTHCARE INSURANCE IN INDIA

Health insurance was introduced in 1986 and is a relatively new development in India. Three
decades later in developed states, however, it has not started with the same zeal that one
would expect or see worldwide. Health coverage is often considered an additional cost,
although it has much room for improvement, especially since less-income households
struggle to spend savings. The belief that only the prosperous can provide private health
insurance in emergency situations and thus affordable access to state-of-the-art healthcare.
Health insurance in India started to cover people and their families before it expanded to
include reimbursement of hospital bills. However, each item in the policy was accompanied
by individual ceilings. In the early 1990s, private hospitals and the demand for global health
experience played a role in making health insurance a must, in order to receive immediate
and adequate treatment, with the model "liberalisation, privatisation and globalisation"
(LPG). Soon after the development of the insurance industry all of the caps, ceilings and
sublimes were eliminated by the end of the 1990's.
The Central government Health Insurance Plan was originally available for government
workers and the Employees State Insurance Scheme for private sector personnel. Initially
only two types of insurance policies were offered. The first product of insurance,
"Mediclaim," arrived in 1986 and was hoped to make a stir. Since then, there have been
dramatic increases in the number of private insurance companies, and their policies are
diverse to meet your specific needs. Mediclaim covered a minimum of Rs.15,000, but now
the government sector has a minimum amount of Rs.50,000 and Rs.1 Lakh for private firms.
This has a lot to do with India's rapidly rising healthcare costs. As cures and treatments
improve, new procedures are added to your healthcare plan, raising the premium floor.
Initially, only two insurance policies were available: the Central Government Health
Insurance Scheme for government employees and the Employees State Insurance Scheme for
private-sector employees. In 1986 in the hope of causing a stir, the first insurance product,
"Mediclaim," was introduced into the country. Since then, the numbers of insurance firms in
the private sector have increased and their policies are diverse and tailored to your needs.
Although Mediclaim covered at least Rs.15,000, the Government sector's minimum amount
is now Rs.50,000 and Rs.1 lac for private enterprises.
The introduction of a third-party administrator to act as a go-between for hospitals and
corporations marked a turning point. The Insurance Regulatory and Development Authority
was established in 2001, allowing insurance companies to provide cashless claims on their
products. The thriving IT sector was another important factor that contributed to the
popularity of group insurance. As industry lines blur, insurers should consider investing in
areas other than core products, such as financial planning and health monitoring. The frontier
is synergistic collaboration with technology partners to expand their market position and
extend the ecosystem of interconnected products and services.
PEST ANALYSIS OF THE INSURANCE INDUSTRY IN INDIA
Political
In India, it is common for no single political party to rule both the centre and the states. The
role of the ruling government (the party) is therefore helping in the majority of cases to
facilitate penetration by its intent to implement the insurance policy. The government's
stability and its control machinery is important in this direction. A series of initiatives to
popularise insurance programmes are being put forward by the present government.
Every country's regulations must support the insurance industry. The insurance industry is
regulated by the 'Insurance Regulatory and Development Authority of India' (IRDAI). The
government has been increasing the service tax on insurance premiums for the past few
budgets. The government's monopoly in this sector ended in the year 2000, when insurance
companies were opened up to private participation. Foreign players were permitted to form
joint ventures with their Indian counterparts with a 26 percent stake, which was increased to
49 percent in 2015.
Economic factors 
People's gross savings in India have increased significantly, encouraging them to purchase
insurance policies to cover their risks. Insurance companies are quickly establishing
themselves as major players in the security market. Because these companies have a lot of
spare cash, they're putting it to good use in the security market.
Economic factors like Rising interest rates may cause many health-care investors to lose
money. Similarly, higher unemployment rates or lower consumer purchasing power would
imply that they would not purchase healthcare manufacturers' products or services.
Socio cultural factors
Increased insurance knowledge is assisting people in becoming more aware of the risks that
can be covered by insurance. Changes in lifestyle are increasing risk, providing an
opportunity for insurance companies to develop newer products. The transfer of risk through
insurance results in societal benefit as a result of an improved socio-cultural environment.
Technological factors 
Insurance companies deal with large databases, and keeping them up to date through the use
of cutting-edge technology is a huge benefit to the industry. Insurance companies can now
sell their products online thanks to technological advancements. This has made their job of
providing customer service easier and faster.
TATA AIG
Tata AIG General Insurance Company Limited is a joint venture between Tata Group and
American International Group that provides general insurance in India (AIG). In the year
2001, it was founded. Individual and corporate insurance are among the services offered. It
offers auto, home, personal accident, travel, energy, marine, property, and casualty insurance,
as well as specialised financial line insurance.
HISTORY
Tata and the American International Group (AIG) merged on 22 January 2001 with TATA
AIG, the company of general insurance. To enhance its general insurance penetration in
Indian soil by means of several major partnerships with leading companies from various
industries, the Tata AIG General Insurance Company Limited is achieving its objective of
being the most preferred insurance company. The online presence of Tata AIG was increased
and the strategic initiative "Go Digital" was initiated to make shopping in digital
environments convenient for insurance products.
The company established the Tata AIG Academy in May 2014, in order to become an
excellence centre for learning in the field of general insurance, with the objective of helping
its distributors increase their insurance knowledge significantly.
COMPANY PROFILE
The broad protection portfolio offered by Tata AIG is supported by years of professional
expertise on product offerings, outstanding service capabilities and streamlined claims
management processes. The firm offers a broad range of general insurance products,
including liabilities, marine cargo, personal accidents, travel, rural-agricultural insurance,
extended warranty, and more. Approximately INR 10,050 crores form the asset base of Tata
AIG General Insurance Company Limited. With more than 200 offices, the company has a
robust multi-channel distribution network of over 40,000 licenced agents and over 437
licenced agents throughout India.
PRODUCTS AND SERVICES
During my internship at the company as I was dealing with products in the health insurance
criteria and at TATA AIG health insurance plans are designed to be able to deal with a
variety of situations without burning a hole in the customer’s pocket.
I was handled the task of two basic products of health insurance -
1. Medicare
2. Medicare Plus
Medicare Tata AIG
Aside from covering staff, the following advantages distinguish this policy: Bariatric
operation: covers costs for the treatment and weight control of obesity incurred in a bariatric
operation. Benefit from restoration: You and your family members are automatically
reinsured in the amount of 100%. Global coverage: covering hospitalisation costs and Day
Care of insured persons from abroad, subject to diagnosis in India.
MediCare Plus Tata AIG
We bring you a health companion on which you can rely with Tata AIG MediCare Plus. This
is a complementary health insurance scheme designed to supplement basic health insurance
policy as an economic and affordable option. Tata AIG MediCare Plus comes with the
advantages and features to meet your needs to ensure yourself and your loved ones complete
comfort and safety. The following benefits distinguish this policy:
 Consumables benefit
 Consumable Benefits
 Cumulative Bonus,
 Aggregate Deductibles
In Tata AIG Health Insurance, what is covered ?
Medicine Insurance cover Tata AIG Covers
At Tata AIG we strive to ensure that our policies are as extensive and beneficial as possible
health insurance. Some of Tata AIG MediCare's most useful benefits include:
In-patient treatment: room rent, ICU, nursing, medicines and any related consumables. This
includes in-patient treatment. There would be payable medical expenses directly related to
hospitalisation.
Pre-hospitalisation Medical costs: medical costs incurred 30/60 days before the date of
hospital admission.
Daycare procedures: many treatments that needed more than 24 hours of hospitalisation can
be done sooner with progress in technology. So we cover up to 541 different daycare
treatments that do not have to be hospitalised.
Domiciliary treatment: In the case of medical treatment for diseases/injury that would
normally require hospital treatment but are actually treated while in custody at home.
Organ donor expenses: Organ donation is one of the noblest acts you can do and we
recognise it. The insured recipients are covered in our policies for the harvest of the organ.
Dental treatment (for accidents): dental expenses are not covered in all health insurance
policies. However, we cover dental costs in certain policies if you experience an unfortunate
malaise and need to undergo dental treatment. As indicated in the specific product policy text,
the responsibility covered would be covered.
AYUSH benefit: Tata AIG celebrates Ayurveda country India. In-patient therapy under
Ayurveda, Unani, Siddha and Homeopathy is covered in our health insurance plans.
Vaccination: Costs related to Human Papilloma Virus (HPV) Vaccine & Hepatitis B Vaccine
after 2 years of continuous coverage and antirabic vaccine & typhoid vaccinations with no
waiting period are covered by AIG Health Insurance Policy
SWOT ANALYSIS OF TATA AIG
Strengths-
 Customer-tailored insurance solutions
 Cutting-edge Information technology
 Products that cater to social issues
 International exposure special expertise in Asian Market
 Strong brand name of TATA & AIG
 Life Insurance linked with Investments
 Balanced portfolio across retail and corporate segments
Weaknesses
 In rural areas, there is less penetration.
 Low agent strength in comparison to competitors
 Conservative in advertising
Opportunities
 Rural income rising 
 Earnings for Urban Youth
 increasing awareness for health insurance 
 Additional rewards for advisors
 Expansion the channels of distribution and partnerships to increase retail presence
Threats
 The global economic downturn
 New NBFCs entering the sector
 Competition is high with increasing customer tailored products by Star

OBJECTIVE:
Because health insurance is a growing market in India, I was assigned to sell Health
Insurance policies during our internship. Our primary goal was to generate revenue for TATA
AIG health insurance company.
Healthcare insurance is a relatively new development in India, having been introduced in
1986. However, it hasn’t grown with the same zeal that one would expect in developed
countries of the world three decades later. Healthcare coverage is frequently regarded as an
extra expense, despite the fact that it has a lot of room for improvement, particularly as the
struggle to apportion savings becomes apparent among low income earning households. The
belief that only the wealthy can afford private health insurance and thus affordable access to
cutting-edge medical care in times of emergency has shifted.
To complete this task, we devised marketing strategies to compete with other individuals or
businesses that sell insurance especially when there is increase in the risk consciousness of
people and have been inclined to care for themselves and their family health, even more
during the pandemic.
DATA AND METHODOLOGY
The primary data required for this internship is leads to whom we could pitch the products.
This included some background information about the lead, such as age, gender, annual
income, and contact information and the details of the nominee.
Policy information and premiums for each policy are also required. We need to brainstorm
for leads because the company does not provide them. As a result, the majority of leads are
friends and relatives. The company has also provided us with an android application that tells
us the premium after analysing the client information for the premium of various policies..
Methodology:
 Create a list of potential prospects and customers
 Contact potential clients in order to increase our customer base.
 Conduct interviews with prospects to gather information about their financial
resources and to discuss their current policy coverage.
 Describe the characteristics of various policies.
 Examine leads current insurance policies and make recommendations for additions or
any alterations.
 Tailor insurance policies to the needs of individual leads
RESULTS –
 I was able to generate few leads during the course of the internship and sell policies of
around 40k which were the more popular Medicare policy of Tata AIG
 Various observations were made regarding the insurance industry which has been
shared under the conclusion and recommendation section
CONCLUSIONS AND RECOMMENDATIONS:
 Through my constant interaction with the leads, I found that brand does play a huge
role in insurance however what’s more important is premium price.
 Since I contacted people who were mainly residents of Bihar and Jharkhand where the
per capita income is not high, so the premium price was a concern for them.
 One of the advantages for Tata AIG is the name TATA associated with which bring
reliability and dependency in the min of people however the disadvantage is that the
brand has not penetrated regions like Bihar and Jharkhand.
 After calling a significant number of number of leads who were in my network, it was
determined that the lead conversion rate in the insurance industry, particularly in
health insurance, is extremely low but slowly people are becoming aware about the
same
 People have traditionally been more in life insurance products and the trend continues
because they offer the possibility of future returns. Other types of insurance, on the
other hand, are viewed as an expense that yields no benefits.
 People mostly prefer insurance products that has money back policy feature specially
in the rural and semi-urban areas.
 I would advise the company to provide interns with leads. Because the leads they are
currently working are close contacts and networks that will exhaust at one point of
time, since until now the conversion rate is low.
  Hot leads will help to increase the conversion rate, resulting increase in sales of health
insurance for the company.
 As the lines between industries blur, insurers should consider investing in new
technologies as a long-term investment. Beyond core products, such as financial
planning and health monitoring, the frontier is synergistic collaboration with
technology partners to expand their market position and extend the ecosystem of
interconnected products and services

REFERENCE
 Training session from the company mentors
 Leads in my network
 Tata AIG website and brochure
 https://www.tataaig.com/
 https://www.policybazaar.com/