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

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,

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!

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.

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,

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.

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.

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.

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.

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

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.

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.

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.

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

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

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!

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

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.

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,

Hi Susheel. Wanted to thank you for all your help, assistance and guidance that you and your people continuously provided during the recent insurance claim for the car accident. From what I have observed, your approach, attitude and work style is wonderful. No wonder you are so successful in what you are doing. And in the days to come I have no doubt that yours will be the leading insurance broking and consulting company in the country. My best wishes and God bless. (Will call and speak with you soon).