I had joined star health in 2009 October. But until 2010 Feb they didn’t give me an appointment order. When I first met him in October first week the branch manager, Kaloor branch, Ernakulam, Kerala told me sales manager’s income calculates based on their monthly business. 27% is the total sales margin. 15% for an agent the rest will go to the sales manager. Your basic salary starts at 6500/-. You have to achieve it via to ways 1) 24000/- if direct business 2) 54000/- if agent via. One more condition was there if an agent does 10000/- fresh a month 5% should be given to them.
The zonal manager, Mr. Rxxxxxxxxxxxxxn will visit the office next week. That time he will take your interview. Then you will be appointed. But you should start your work to recruit agents and procure premium Since your salary depends on your business. But he didn’t come until Jan 2010, whenever I asked the branch manager he managed me with excuses. On Jan 2010 the zonal manager visited the office, after the interview, he told me to start work. On Feb in the review meeting when I asked for my salary, Mr. Sxxxu Jxxxb told me "you are appointed only this month if you were working before it is not the mistake of the company".
In the beginning, I have been working to recruit agents, hence my premium was 10000/- range. They give only 2500/- 1800/- after a month’s hard work. And from that, I had to pay 5% extra to the agent even though I went along with agents spending their traveling expenses and food expenses from my hand. That is how I developed a team.
Star health starts with only 600 crores, they didn’t give us even phone facility. There were no proper files to keep the backfiles. They only concentrated to collect maximum premiums from people. There was no underwriting. Sales managers collect the data via phone. With name, date of birth, and address they contract policies in month-end. if any medical required policies are there they will contract it before the medical reports arrive. They didn’t issue receipts against premium until 2014 January. They used that money for their internal purpose. I have questioned them in the sales manager’s meeting. Hence they started to torture me and had stolen my business and agents. In 2017 even after 8 years, they started to give me negative insensitive statements. That leads me to commit suicide. When their vigilance people visited me at my house. I had told them all the incidents and given them the data. But instead of compensating my loss. Those people again manipulated me. Until 4th august 2017, there was no such practice as any mode of attendance for sales managers. All sales managers who had been in star health before 2017 know this. They had been ejected me saying " Unauthorized absence" Star health has no ethics. In order to balance the Incurred claim ratio, they are sinking x-ray films and MRI films from claim forms and reject claims saying PED.
After the vigilance visited me Mr. Jxxxxxxxxxn immediately decided to sell the company. He sold to the company for 6500/-. THE INNOCENT LOVER LEVEL EMPLOYEES AND CUSTOMERS ARE TRAPED. HENCE THIS IS MY HUMBLE REQUEST TO PEOPLE ESCAPE FROM THIS LOOTERS AS SOON AS POSSIBLE.
REGARDS
SOBHA
KERALA