Perfect Integration of Insurance and Wellness Benefits

Dear Vitamin H team , Your mails are so inspirational and really worthy. Learning a lot from this content and gaining more knowledge day by day.I really appreciate who are behind this knowledge and wisdom.I can say if we read these we can become a complete man or woman. Thank you for these beautiful and meaningful mails. Thank you so much Thanking You

   - veerababu ( Lorhan IT Services Pvt Ltd )

Thanks for this concept…its very motivating and reminder to be happy daily…
Just small feedback…..
1) Even if content is crisp that would deliver purpose of this email so kindly don’t repeat content please.
2) You can beautify this email as its”HAPINESS” email so we can add some colors to this email, some pictures , some flowers….it will give that visual happiness J
3) I would like more crisp content and one thought daily J
Hope you are getting these emails of feedback. J

   - Aarti Sable ( Netcracker Technology )

Dear Team, Thank You for these daily messages. They make me ponder on my thoughts and reflect on my life. And give me a fresh perspective on things that are happening .
Thanking You

   - Rohan Bandekar ( Netcracker Technology )

Hi Reethu, That was really a memorable event for me. It was really very good, interactive, fun and joyful event. Everyone was enjoying it a lot. It promotes team work as well as we got something new. We forgot that we are in office while playing in the event.
Thank you so much for arranging such a great event for us.Keep it up.

   - Ganesh Borade ( Geo Quest )

Dear Sumanth, I wanted to take a moment to sincerely appreciate the efforts by you and your team have put into streamlining the insurance claim process. Your support made a significant difference during a critical time for my family.We consider ourselves fortunate to have undergone my father's surgery within the current financial year. I clearly remember reaching out during the enrollment period to request the E-card, and to my surprise, I received it the very next day, which allowed us to initiate the process at the hospital without delay.The follow-ups were prompt and efficient. After submitting the required documents, the initial approval came through within just a couple of hours. Even at the time of discharge, the final approval was provided swiftly with just a single phone call.The entire experience was incredibly smooth and reassuring. I am truly grateful for the excellent support and coordination extended by you and your team during this time.A special mention to Sandeep for his initial help and guidance during the enrollment and E-card request. His timely assistance ensured that we could proceed without any delays.
Thank you once again for your dedication and assistance.

   - Prashuk Jain ( Netcracker Technology )

Dear Reethu, I wanted to take a moment to express my sincere gratitude for your outstanding support in booking and managing my Women’s Health Package appointment at NURA, Jubilee Hills.From the initial booking to assisting with rescheduling, you ensured everything was handled smoothly and without any hassle. Your prompt responses and proactive approach made the entire process effortless. I truly appreciate the way you managed the appointment changes efficiently, facilitated the payment process seamlessly, and ensured that everything was well-coordinated. Your professionalism and dedication to providing excellent service did not go unnoticed, and I genuinely appreciate all your efforts. Thank you once again for your invaluable support!
Thanks and best regards

   - Kartheek Kilaru ( Netcracker )

Dear Wellness Team, I hope this message finds you well.I wanted to take a moment to express my heartfelt appreciation for the Vitamin H (H for Happiness) emails that I have been receiving daily. Each message has been a source of positivity, inspiration, and reflection, adding a bright touch to my mornings. Your thoughtful and uplifting content truly resonates, making a meaningful difference in my day.It’s incredible to realize that it has already been three months since this journey began! Your dedication and consistency in spreading positivity are commendable, and I am grateful for the effort that goes into crafting these delightful messages.Please continue this wonderful initiative, as it undoubtedly brings joy and encouragement to many, including myself. I look forward to many more inspiring messages in the days ahead.Thank you once again for your commitment to spreading happiness!

   - Sasikumar ( Grootan Technologies Private Limited )

Dear Reethu,
It was a wonderful session and thank you so much for facilitating it. A special thanks to Dr.Sailaja who have taken time for MCO and it is very interactive session. Looking forward for more such talks in future.

   - Vasundhara ( Mycomplianceoffice )

Hi Reethu, Thank you for reaching out. I really appreciated that our women employees got opportunity to attend the Women's Day session with Dr. Payal Bhargava. Below are our thoughts: Overall Session Quality: The session was well-structured and informative, with a good balance of valuable content and engaging delivery. It was clear that a lot of thought went into making the session both educational and inspiring. Speaker Performance: Dr. Payal Bhargava did an excellent job. She communicated her insights with clarity and warmth, making complex topics easy to understand. Her experience and passion for the subject were evident and resonated well with the audience. Employee Engagement and Interaction: The session was very interactive, which I believe helped in keeping everyone engaged. The Q&A segment and discussions were particularly valuable, allowing employees to connect more with the topic. Suggestions for Improvement: While the session was impactful, child and adolescents details should have been short and the list of tests and vaccines could have been elaborated further.
Overall, our employees thoroughly enjoyed the session and feel it was a great initiative to celebrate Women's Day.
Thank you again for the opportunity. I hope these insights are helpful!

   - Kraleti Kiran ( Axelon )

Hii Reethu , The session was awesome. Thank you for arranging the sessions and cooperation for the changing dates. The session on puberty was well-organized and covered the topic comprehensively. Key concepts such as physical, emotional, and psychological changes during puberty were explained clearly. Visual aids, handouts, and videos helped reinforce the points being discussed, which contributed to better understanding. Students appeared actively engaged throughout the session, particularly during the Q&A. Dr . Kiran Kumar demonstrated a deep understanding of the topic and communicated in an engaging, approachable manner. They handled sensitive topics with tact, making students feel comfortable in asking questions. Very Much Happy with the session. Looking forward for the more sessions . Thank you once again.

   - Priyanka T ( HR DPS Miyapur )

Dear , I hope this email finds you well. I wanted to inform you that I was hospitalized from 14th to 15th January 2025 due to severe sickness, vomiting, and intense pain in my legs. While I am now back home and recovering, I am still experiencing significant difficulty in walking, which makes commuting to the office challenging at the moment. Given the circumstances, I kindly request approval to work from home for the next two to three weeks. This will allow me to focus on my recovery while continuing to contribute to my responsibilities without interruption. I would also like to take this opportunity to sincerely thank Pawan and Ethika (TPA) for their invaluable support during this time, especially in helping me manage the insurance process. Their assistance has been a great relief and has made things much easier for me. I am attaching my discharge summary with this email. Please let me know if you need any additional details or documentation regarding my condition. I truly appreciate your understanding and support during this time. Looking forward to your response.

   - Ashish Jain ( Thrivepass )

Hi I hope this message finds you well😇 . I would like to express my heartfelt gratitude to you and the company for providing the Ethika Manipal Cigna Insurance policy, and for offering such a comprehensive Maternity cover. The process has been incredibly smooth, and I am especially appreciative of how seamless and efficient the claim procedure was. From the moment Hospital raised the claim, the support I received was exemplary. Mr. Amit Kumar was very responsive and assisted me throughout the entire Cashless process. The claim was approved in just 2 hours, which was a huge relief for my family. Additionally, the support I received from Ethika was outstanding, and the entire experience felt effortless. Thanks to the policy, my wife and I were relieved to know that we will be receiving 100% coverage for the maternity-related expenses. This support has significantly eased the financial burden during such an important phase in our lives, and we deeply appreciate the company's commitment to its employees' well-being. Thank you once again for making such provisions available, and for ensuring that the insurance process is so easy and efficient. Your efforts have made a significant difference, and we are truly grateful.

   - Gaurav Singh ( Thrivepass )

I am very satisfied with the prompt response and help provided by Ethika and Mr. Amit who coordinated my case, He is a humble man and I consider him as an asset to the organization (Ethika group). My mother underwent knee replacement surgery in 2023 where received quick response from Ethika and in 2024 she has undergone Gall bladder surgery where too Mr Amit guided and helped at each step as insurance partner. I highly recommend and thank immensely to mr Amit and his team in Ethika Insurance Broking Pvt. Ltd.

   - Rahul Kumar ( Resource Solutions )

I cannot thank you enough, Amit Kumar and team, for the exceptional speed and care you showed in processing my mediclaim in just 20 minutes. During a time of immense stress and urgency, your swift action was not only a great comfort but a true lifeline. Your professionalism and dedication to ensuring that everything was handled so seamlessly reflect the highest standards of service. Your kindness, efficiency, and attention to detail made all the difference, and I am beyond grateful. You turned a difficult situation into a much more manageable one, and for that, I sincerely thank you.

   - Sushil Anant Saldur ( EXAZE PRIVATE LIMITED )

From day 1 of admission in AIG Gachibowli I informed Amit from Ethika. The admission process was so smoothly conducted by Amit which made me felt that I am in right hands. There was never any issue and I was so happy Tore the way Amit handled everything regarding approvals. On the day when my wife got discharged Amit took care of approvals in quick time. He is an asset to any company. He has a great sense of urgency and took care of my insurance smoothly. He should be recognised for the job he has done for me. After 1 month went to AIG again to remove the stent. Did intimate Amit from Ethika and he took care of everything once again. I must say I worked for many companies in my 17 years professional tenure, Ethika and Amit stand tall amongst all.

Amit you are a real Hero - God Bless

   - Pallab Das ( SmarIMS )

This is to inform that we have authorized M/S Ethika Insurance Broking Pvt Ltd as our exclusive insurance brokers as the current vendor Pvt Ltd could not reach our expectations on service levels. In this context we are furnishing them our current policy copies, claims dumps and member data enabling them to work on our organization's insurance policies along with and also with few other insurers in order to give us optimum option to choose and go with. This mandate comes into force with immediate effect and superceeds all mandates issued prior to this mandate whichever may have reached you. We wish you to reciprocate our mandate and respond in best interest of our organization by cooperating with our appointed intermediary M/S Ethika Insurance Broking Pvt Ltd.

Dear Amit Kumar, I hope this message finds you well. I wanted to take a moment to express my sincere gratitude for the outstanding support you provided during our recent experience with the cashless process at the hospital. Your dedication and expertise truly made a significant difference, ensuring a seamless and hassle-free experience for us. Your clear communication and empathetic approach were instrumental in guiding us through the process, alleviating any concerns or uncertainties we had along the way. Your professionalism and genuine care for our well-being were evident throughout, and it greatly contributed to our peace of mind during a challenging time. In an industry where empathy and effective communication are paramount, your exceptional qualities shine brightly. Your commitment to delivering exceptional service sets a high standard for others to follow, and I have no doubt that you will continue to excel in your future endeavors. Once again, thank you, Amit, for your invaluable support and dedication. Wishing you all the success and fulfillment in your future endeavors. Warm regards,

   - Saketh Ram Yerravalli ( Cyberark Software (India) Private Limited )

I recently had a reimbursement claim with Ethika Insurance Company, and I must say, they are incredibly efficient. They processed my claim within the given time slot, and "sumanth Sir" provided exceptional assistance throughout the process. He was always available to answer my messages and calls promptly. Thank you, Ethika Insurance, for your outstanding service!

   - Smriti Shukla ( Toprankers )

I would like to express my heartfelt gratitude for the help and support provided by Ethika in general and Amit specifically. While we were dealing with critical medical scenarios, I was assured that the insurance part will be taken care of. Amit was very prompt in answering my queries and went out of his way to ensure the approvals from Ethika reach the hospital on time as we were trying to get my ageing father discharged. Thanks a lot once again.

  - Abhijit B (Cyberark Software India Private Limited)

Ні, I am Akshitha Kairamkonda, an employee of Prasthana Software Solutions. I'm writing this mail to express my sincere gratitude for the service I have received while obtaining a cashless insurance policy from your company. My mother was advised to be admitted to the hospital due to some medical emergency. Though it was the first for me to deal with the insurance, I didn't face any difficulties. Every step of the process, from initial inquiries to policy issuance to the last, was handled with the utmost care and attention to detail. I particularly want to mention Venkata Swamy for his support and assistance throughout the entire process, guiding me through the necessary procedures, addressing any concerns I had, and making the entire experience smooth and stress-free. Regards,

  - Akshitha Kairamkonda (Prasthana Software Solutions)

Bought individual health insurance from Ethika for my mother 2 years ago from Icici Lombard. Now in 2024 l need insurance for emergencies. The people of Ethika helped me a lot, from finalizing the hospital to arranging the doctor's prescription, and because of them the process also became cashless. Harita is always available to me on call or whatsapp, along with other team members Ranjendra sir, Venkatas sir, Bhanu sir and Aditi too. In fact, without his help all this would have been very difficult. Their prompt and efficient service gave me great comfort and confidence. I would like to thank him very much for his professionalism and empathy. Ethika has achieved the status of real 'healthcare partner' for me. I will always remember your support and love.

  - Kajol Bihare

Dear Aditi, I'm writing to express my sincere gratitude for your incredible support in porting my policy to Care Insurance. Your guidance and expertise made the process smooth and stress-free. I was particularly impressed by your: Clear and concise explanations: You expertly navigated the complexities of the porting process, breaking everything down into understandable terms. Efficiency and speed: Securing the new policy in such a short timeframe was truly remarkable. Thanks to your dedication, Hopefully, I now have a policy that perfectly aligns with my needs and offers significant advantages over my previous one. Basically support during any crises and claim settlement. I wouldn't hesitate to recommend you and your organization to anyone looking for insurance guidance.

  - Virendra Kankate

Dear Renuka, I just wanted to take a moment to express my sincere gratitude for all the help you've provided with all of my health care consultations. Your expertise, quick response, and genuine care have made a huge difference. Staying at home away from home, it's been reassuring to know l had your support through any health related issue, making everything feel a lot less daunting. Thank you for going above and beyond. Your assistance has not only helped me navigate my health care needs more effectively but also made my life significantly easier. I truly appreciate your dedication and hard work.

  - Madabattula Hyndavi

Dear Sharath raj, I hope this email finds you well. I wanted to express my sincere gratitude for your invaluable assistance in facilitating the approval of my insurance claim. Your professionalism, dedication, and prompt responses throughout the process have been truly commendable. Your expertise made a significant difference in navigating the complexities of the claim, and I am grateful for the support you provided. Thank you once again for your exceptional service. I truly appreciate your efforts and am thankful to have had you as my health insurance agent.

  - Thyagraj L

Hi Deepa, Thank you so much for helping us to choose the right insurance company for our staff in India. It has been an absolute pleasure working with you on this particular procurement project. You have been one of the best service providers I have ever worked with. Your patience and above all your passion to deliver the absolute value is what really convinced us to change our decision. We had actually shortlisted another insurance broker but then we were left with no choice except to change our decision and choose Ethika. Credit goes to you! I am sure you will continue to help us with the same passion. I have no doubt. :) Look forward to continuing to work with you. Employee from Integral Zone UK Limited

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I had an incredibly positive experience with Ethika's doctor on call service. Their team was not only responsive but also highly efficient. Within just five minutes, I was able to reach a doctor, and within an hour, my consultation was completed, including all necessary details. The level of care and sensitivity they provided was exceptional, leaving me thoroughly impressed. It's evident that Ethika is led by individuals who prioritize customer satisfaction and efficient operations. I'm truly grateful for the seamless service they provided. My special thanks to Renuka Huli, Madhulika & Zuva Wellness Team.

  - Narayanaswamy Rajesh

Hi Ethika team, I am writing this mail to express my sincere gratitude for the service your company is providing me. Firstly, I am impressed with the add-on benefits your team offers apart from insurance services. Services like the on-demand doctor, Dietitian, psychiatrist and Financial expert consultation truly define your above-and-beyond research for our needs. I especially appreciate how your team helped me with the claim process. It was fast and smooth! Thanks to the point of contact (Rajendra) for connecting me with the concerned department (Vinay). And Vinay for instantly providing all the info and helping me get the claim quickly. and team, thanks for choosing Ethika ©. With Ethika, I am confident I am in good hands. Thank you again for your outstanding service. Employee from Cyberark.

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Dear Team, I wanted to take a moment to thank you for providing an informative and engaging insurance policy demo to our employees. Your presentation was well-structured, easy to follow, and helped our employees understand the benefits of the insurance policy we have arranged for them. Your team's professionalism and expertise were evident throughout the demo, and | appreciate the effort you put into answering our employees' questions and concerns. Its reassuring to know that we have partnered with an insurance provider who cares about the well-being of our employees I believe that it has helped them make informed decisions about their health and financial security. Thank you once again for your time and effort. Further, I have filled the form you have mentioned below: Employee fromInjala

Hi Rajendra/Rakshit/Srinivas, For the Past 5 months since Dec 2021 1 have constantly been interacting with Team Ethika (Venkat, Ashish and Rajendra) and I would really like to thank you for all the Assistance I have got from you guys. Thank you for all the help all the guidance and all the efforts you guys put in for us. When a person is Mentally, Financially and Emotionally hit by his loved ones hospitalization the kind of co-operation patience and effort shown by you guys is really remarkable. Not trying to really brag here but even the Simple gestures of "How is your father now?" meant a lot to me. Because in troubled times there is lot of chaos in life.But Team Ethika really cares for the wellbeing. Please do keep up the good work. My father is still recovering but I hope the rough patch is done now and he should be doing well in few months from now. I would really like to thank Rakshit and Sangam for helping me additionally over my Insurance Coverage and releasing extra funds that helped me repay some amount taken from relatives.Special thanks to Rajendra for still relentless following up with the TPA to get maximum amount that can be released. Netcracker and the Medical Insurance Team has saved me a lot of stress and financial bankruptcy. I will be forever in debt for this.

  - Akshay Ramadas

Hi Team, I would like to share my feedback\testimony regarding the recent insurance claim process with Ethika and new insurance provider Go Digit My Father was admitted hospital for Hernia surgery and we have opted for a cashless claim process. it Initially the hospital was very slow in processing and keep on telling us the things are pending with insurance company and TPA. So | reached out to Chaitanya he explained the process and how to track the claim status using the messages send my both Mediassit and Go Digit and helped to get the preapproval quickly. Since it was package about approved amount was for 1.22 Lakhs(we are expected to get actual claim around 1 lakh) Next day when my father was getting we faced more hurdles with claim as there was delay from hospital side. Claim was send for approval 4 PM only even though everything was ready by 12 PM and hospital had claimed for 1.8 lakhs final amount. As we went asked hospital about the increased billing about they said, 1.8 lakh is final about and whatever information given to us earlier was communication error. In general case we would have ended up paying difference of 80,000 from our hand. This where | found how beneficial both our TPA and insurance providers are. They immediately flagged the discrepancy and hospital retracted bill and submitted a new bill for 1.22 lakhs. Reason for my awareness about all these things happening at the backend was period updates sent by both TPA and Go Digit; which | found extremely useful. Initially when we asked hospital why discharge process getting delayed they will tell as that it is from insurance side. But with tracking system we are able counter them. I really appreciate the transparency in the process and the way you keep us updated. Chaitanya was in touch with us during all this time giving updates and helping to with all backend processes. By the time hospital submitted the final claim it was 6:45 PM and we thought there is no-way to get the discharge on that day. But Chaitanya followed up again and we got the claim approved by 8 PM and father was discharged by 9 PM. In none of the previous organizations | worked, | haven't seen such a good provider and an insurance person who is always reachable and helping. | greatly appreciate your service and heartfelt thank you for making the claim process easy. Thanks and Regards
Employee from NTT

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Dear Susheel, It will be very unfair on my part if I do not call this out. I would like to acknowledge and inform you that your team (Sandeep, Prashant & Venkat) is just amazing. They are supporting us in every possible way they can. in fact over and above every expectation of ours. It has been a very critical & challenging time and as days pass things are becoming more tougher and your team is supporting us immensely. they have been on calls with me and employees late at night, (as late as around 1:00 am and as early as around 3:00 am ) whenever needed. I would like to call out for Venkat, who has supported us nonstop, not only with insurance claims but also checking for bed availability with hospitals, ambulances, etc, and in one case he directly walked into the hospital to get the Insurance claim sorted out. Such dedicated people are an asset to the company! Thank you so much to you and your team for supporting us in these tough times! Thank you

  - Swati Bakshi

Ethika is a trusted partner in providing high quality services. One can bank on their timely services and very responsive and helpful representatives. They understand the client's situation and make sure that the claim process is as smooth as it can be. I would like to appreciate Mr Bhanu who helped me with one of the claim recently and made sure all my questions are answered and took care of all the paperwork needed. He made it effortless and the claim was processed quickly. I can vouch for their services as we are a happy customer of Ethika from past 4 years. All of their representatives are courteous and ready to help any time of the day. Keep up the good job, Ethika!

  - Krishna Prasad

I give 100% credit to Venkata Swamy from Ethika who has taken my case found the root cause of the issue 35k was the surgery cost for cataract MICS, usually 30k will be approved for this but 25k was approved as initial amount. and i had to pay 10k. But once the discharge summary was sent to insurance guys by the hospital people, the approval was downgraded to just 20k Hospital people just spoke as a formality and informed that it is the cap as per insurance company. They didn't even care to check what is the issue. I have contacted Ethika, the spoke to insurance company and found that 20k is the cap for normal cataract surgery. But the surgery procedure is MICS. Who is responsible for this misunderstanding, hospital or Insurance company? Anyway, Venkata Swamy from Ethika discussed same with hospital then the hospital people sent the agreement details to insurance company, i informed the same to Ethika and they took it forward and got 30k is approved for me. So l give 100% credit to Venkata Swamy from Ethika. Thank you Ethika, this is the second time you stood by me. First time was during covid with my personal insurance

  - Karthik a.v.a

Passionate about evolving workscapes, shaping People strategy and building a thriving workforce for the future. Our organisation is back in the office keeping the good practices we gained over the pandemic as we redefine our workplace. A key aspect was the Wellness impact and support for our associates. Ethika outshined and continues to do so with their timely and relevant offerings. It's been a key year to engage with a difference across mental, physical and financial wellbeing... on all 3 areas we have recieved great partnership from @Sarath Reddy and his team at Ethika.... here's to making wellness a way of life... thank you for your collaboration.

  - Nicola Varghese

Sub - M3BI Appreciation for Exceptional Services
MBI appreciates the commendable support provided by Mr. Venkat for cashless claim process, Mr. Bhanu Chander for reimbursement process, Mr. Vijay Kumar for operational support from Ethika Insurance Broking Pvt Ltd with respect to the services rendered for medical insurance to our associates. We express to share profound satisfaction from all the M3BI employees in being engaged with Ethika and wish the same continues in future too. We wish Ethika great success in future endeavors.
Yours truly,

  - For MBBI India Private Ltd