Rahul Kumar Pandey

Client Relationship Management:

• Act as the main point of contact for corporate or individual clients regarding health insurance.
• Understand client needs and recommend appropriate health insurance plans.
• Build and maintain strong, long-term relationships with clients.

Health Insurance Advisory:

• Analyze different health insurance products from various insurers.
• Compare policies based on coverage, exclusions, premiums, claim process, and other factors.
• Advise clients on the best plans tailored to their needs.

Sales and Business Development:

• Prospect new clients (corporates and individuals).
• Pitch health insurance offerings and close deals.
• Upsell and cross-sell other insurance products (life, travel, personal accident, etc.).

Policy Servicing & Renewals:

• Handle policy issuance, endorsements, and renewals.
• Ensure timely reminders and support for renewals and premium payments.

Claims Support:

• Assist clients with filing and tracking health insurance claims.
• Coordinate with insurance companies and third-party administrators (TPAs).
• Help resolve claim disputes or delays.

Compliance and Documentation:

• Ensure all documentation (KYC, proposals, declarations) is correctly filled and submitted.
• Stay up-to-date with IRDAI regulations and compliance requirements.

Commission Reconciliation with Insurance Companies

• Download and maintain commission statements from various insurance companies.
• Match policy-wise premium data with commission received.
• Identify mismatches (short payments, delayed commissions, missing entries).
• Coordinate with insurer accounts/finance teams to resolve discrepancies.
• Maintain monthly reconciliation reports for audit and internal control.

Agent Grid & Payout Management

• Maintain the agent/PoSP payout structure (also known as the agent grid).
• Calculate payable commissions to agents based on their business and grid level.
• Generate agent-wise monthly commission statements.
• Share payout reports with HR/Finance for disbursement.
• Track incentive schemes and apply bonus structures where applicable.

Insurance Company Coordination

• Communicate with insurer partners to get updated:
  Commission structures
  Product-wise payout percentages
  Incentive schemes
• Ensure broker portal data aligns with insurer records.
• Manage submission of documents for empanelment or audit purposes.

MIS Reporting & Data Management

• Maintain a centralized policy database with premium, insurer, and commission details.
• Create reports on:
  Monthly premium collections
  Policy issuance (by agent, insurer, product)
  Claims data (optional, if part of the scope)
  Sales team performance and payout mapping

Automation & Accuracy

• Use Excel functions (Pivot Tables, VLOOKUP, IF formulas, Macros) to streamline data work.
• Build templates for recurring reports.
• Ensure data accuracy, version control, and timely sharing with stakeholders.

Commission Reconciliation

• Match commissions payable to brokers or agents with internal calculations and insurer policies.
• Ensure payouts follow approved grids and comply with IRDAI guidelines.
• Work with MIS/Accounts team to generate accurate commission statements.
• Compare premium payments received with policy issuance records.
• Identify short payments, duplicate receipts, or missing entries.