"I'm concerned about coverage for pre-existing conditions"

Introduction

"Namaste, [Lead's Name]! This is [Your Name] from [Your Insurance Company]. I hope this call finds you well. I understand you've been exploring our health insurance options and have some concerns about coverage for pre-existing conditions. Is now a good time to discuss how we can address this for you?"

Acknowledge Concern

"I totally get your concern about pre-existing conditions, bhai. It's a big worry for many people. Can you tell me a bit more about your specific health concerns?"

Value Proposition

"What if I told you that our new [Comprehensive Care Plan] is designed to provide extensive coverage for pre-existing conditions, with some of the shortest waiting periods in the industry?"

Policy Highlights

"Let me break down how we handle pre-existing conditions:

1. Shorter Waiting Periods: As low as 1 year for most conditions, compared to the industry standard of 2-4 years
2. Day One Coverage: Certain pre-existing conditions are covered from day one for emergencies
3. Gradual Coverage Increase: Coverage percentage increases each claim-free year"

Personalized Analysis

"Based on what you've shared, here's how our plan would work for your situation: [Provide a brief, personalized breakdown]"

Transparency on Terms

"We believe in complete transparency. Here's exactly what's covered, what's not, and any applicable waiting periods. No hidden clauses, I promise."

Comparison with Competitors

"Let's do a quick comparison with other plans in the market. You'll see our waiting periods are [X]% shorter, and our coverage limits are [Y]% higher for pre-existing conditions."

Case Studies

"We've helped many clients with similar concerns. For example, [share a brief, relatable success story of a client with pre-existing conditions]"

Wellness Program Integration

"Our plan also includes a wellness program designed to help manage pre-existing conditions. It offers:

1. Free health check-ups
2. Discounts on medicines
3. Access to specialist consultations"

Technology Support

"Our app has a special feature for those with pre-existing conditions. You can:

1. Track your health metrics
2. Set medication reminders
3. Access your policy details instantly"

Expert Consultation Offer

"I'd like to offer you a free consultation with our in-house medical expert. They can provide more detailed insights into how we can manage your specific health needs."

Flexible Options

"We understand that everyone's health situation is unique. That's why we offer flexible plans that can be tailored to your specific needs and budget."

Call-to-Action

"Given your concerns, I think you'd benefit from a personalized plan review. Can we schedule a 20-minute call where I can walk you through a custom plan design? How about this Friday evening?"

Alternative Offer

"If you're not ready for a call, I can send you our 'Guide to Covering Pre-existing Conditions'. It's a comprehensive ebook that explains everything in detail. Would you like me to email that to you?"

Closing

"[Lead's Name], I understand that dealing with pre-existing conditions can be stressful. But I want you to know that we're here to support you every step of the way. Whether you decide to go with our plan or not, feel free to reach out if you have any questions about managing your health coverage. Do you have any quick questions about pre-existing condition coverage before we wrap up?"

Key Elements:

• Addresses concerns about pre-existing conditions directly
• Highlights shorter waiting periods and comprehensive coverage
• Offers personalized analysis and comparison with competitors
• Provides case studies and expert consultation options

Adjustments for Indian Urban Male Audience:

• Uses familiar language ("bhai")
• Focuses on transparency and clear explanations
• Highlights tech features like app-based health management
• Offers flexibility in plan design to suit individual needs and budgets