Corona COVID-19 Readiness at eNoah

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What is COVID-19?

Coronavirus (COVID-19) is a current outbreak across the globe that causes illnesses ranging from the common cold to more severe diseases such as MERS-CoV and SARS-CoV.

Signs and symptoms of COVID-19 may appear 2 to 14 days after exposure.

 

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Preventive Measures and Arrangements in our Workplace

Awareness Sessions at all eNoah Project Delivery Centres in India – Chennai, Coimbatore, and Indore

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  • Stand-up meetings, email campaigns, and information displays on screens to create awareness
  • Team members trained on the best practices to avoid contamination
  • Additional maintenance staff deputed to clean and disinfect at regular intervals

 

Regular Screenings, Medical Aids, and Surgical Masks

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  • Infrared thermometers (non-contact digital) are available to monitor the temperature and health conditions of our team members on a regular basis.
  • Staff who are coughing or sneezing will be provided with disposable masks and gloves. They may also be advised to work from home or take leave, depending on business impact.
  • Homeopathic and Ayurvedhic medicines available in all first aid kits to help boost immunity.

 

Hand Sanitizers and Raising Awareness in the Workplace

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  • Visitors encouraged to use alcohol-based (non-soapy) hand sanitizers when entering eNoah premises.
  • Posters to create awareness about corona symptoms, preventive and safety methods placed strategically across production floors and visitor areas, including reception, front desk, and security stations.
  • Helpline established and numbers displayed prominently on boards across the premises.

 

Business Continuity Plan

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eNoah is spread across 3 locations in India: two in South India (Chennai and Coimbatore) and one in North India (Indore.) eNoah has created redundancy of infrastructure and manpower across these locations to maintain business continuity in case of a disaster or pandemic scenario. Detailed scenarios with Recovery Time Objectives and Recovery Point Objectives are explained in the “Business Continuity Plan” document.

  • All Information Technology team members and Project Managers of BPO/KPO teams have laptops to communicate/work from anywhere.
  • When required, eNoah will provide rental laptops to staff working on sensitive projects to facilitate work from home, if needed and approved by client.Such laptops would be completely blocked from external access, as per the process requirements (ex. – blocking CD drives/USB access, Internet access, sending of emails to outside domains, secure VPN access to connect to Client environment, etc. – as per HIPAA/GLBA policy) before handing it to the user to avoid data loss.
  • eNoah advises staff to follow Indian food habits for their daily diet. Turmeric and other spices (like ginger, cardamom, cloves, etc.) boost immunity and help to prevent common cold and flu.

 

Life Underwriting … in minutes!

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Groundbreaking innovation from eNoah iSolutions could transform the life insurance industry by providing underwriters with the ability to make informed decisions in minutes.

 

eNoah, a global leader in digital solutions, brings the speed that term life insurance has typically enjoyed to permanent insurance by unleashing the power of machine l earning, artificial intelligence, cognitive computing and predictive analytics.

 

eNoah challenges traditional models and adopts innovative tech for ways to speed up the underwriting

process and empower underwriters to make informed decisions that help place policies quickly, resulting in faster payout to brokerage general agents (BGAs), brokers and agents, and ensuring customer satisfaction that leads to repeat business with higher retention. These new advances have the huge potential to improve cycle time by several days and thereby speed up policy issuance.

 

In short, underwriters using eNoah’s software can run full medical history reports — including attending physician statements (APSs) — in about 10 to 15 minutes, rather than the days it typically takes.

 

That shorter wait time has more clients filling out permanent applications and thus handing more agents larger commissions; it also has carriers issuing a greater number of policies while saving time and money in the process. This ensures faster insurance coverage to applicants.

 

In the Q&A that follows, Manoj Sherman, eNoah’s senior vice president, shares an in-depth look at what makes eNoah’s platform eXtract Plus™ so game-changing for underwriting.

 

Q: What is the biggest challenge for insurance underwriting?

 

Manoj: The capacity to adapt to evolving market needs. Traditional insurance models are severely challenged by disruptive new technologies, and companies need to adopt new models of engagement to meet today’s customer expectations of ease of use and speed of delivery.

 

Insurance at large is one of the slowest sectors to adopt new technologies, as per industry surveys.

 

To survive in this highly competitive ecosystem, there is increasing pressure on underwriting to lower costs while making quick and accurate decisions. That’s essentially a herculean task, because the amount of data in medical histories that underwriters need to review keeps growing.

 

Those histories range from 100 to well over 1,000 pages each, and might include lab slips, medications, EKGs, clinic notes, follow-up notes, surgery procedures, X-rays and other documents.

 

This is a very laborious process as every page needs to be reviewed, case by case, to look for vital conditions that impact the decision. It can take anywhere from a few days to a week for a carrier to make an informed decision on a case.

 

Customers today don’t have the patience to wait that long anymore, even if it means accessing long-lasting coverage that they can use for retirement, loans and emergency cash access.