Project Report of SCH

A Summer Training Project report on
A comparative analysis of consumer behavior in relation to health

care products of SCH with respect to other brands present in the
market
(Agra Region)
(With special reference to SAHARA HEALTH CARE)
Submitted in partial fulfillment for the award of the Degree
MBA
(Batch 2009-11)
Under Guidance of: Submitted By:

Mr. Anurag Srivastav Dharmendra kumar
Sr. lecturer Roll No. 0915170017
GIIT Gr. Noida M.B.A. 3rd Sem
Global Institute of Information Technology

32-A, Knowledge Park-I
Greater Noida (U.P.)
1
DECLARATION
I Dharmendra kumar Roll no.0915170017, student of MBA third semester, Global
Institute of Information Technology , here by declares that the summer training report “A
comparative analysis of consumer behavior in relation to health care
products of SCH with respect to other brands present in the market” with
the reference of SAHARA CARE HOUSE in Agra Region , submitted in partial fulfillment
for the award of MBA Degree of Uttar Pradesh Technical University (Lucknow) Session
2009-11 in my original work and the same has not been submitted for the award of any other
diploma or degree.
Place: -
Dharmendra kumar
MBA IIIrd Sem
Date:-
2
CERTIFICATE OF ORIGINALITY
This is certify that the project entitled “A comparative analysis of consumer behavior in
relation to health care products of SCH with respect to other brands present in the
market “ is bonafide work done by mr. Dharmendra kumar roll no 0915170017, in partial
fulfillment of MBA student examination and has been carried out under my supervision and
guidance. This report or a similar report on the topics has not been submitted for any other
examination and does not form part of any other course undergone by the candidate.
Signature of the candidate Signature of the Guide/Supervisor
Place: Name:
Date: Designation:
Address:
3
ACKNOWLEDGEMENT
I am greateful to SAHARA CARE HOUSE for providing me an opportunity to do project on
the topic “A comparative analysis of consumer behavior in relation to health care
products of Sahara Care House with respect to other brands present in the market”.
I express my whole hearted thanks to my company guide Mr. Ram Singh Sr. field manager
Agra for his encouragement and moral support in organizing my work and giving us valuable
tips for making it presentable. I am also thankful to my Faculty Member Mr. Anurag
Srivastav for helping in successful completion of the project.
Dharmendra kumar
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PREFACE
This Project Report is a part of curriculum of MBA (U.P.T.U. Lucknow) which is given
experience of the field of marketing. This project is a curriculum of MBA Course, did in the
SAHARA CARE HOUSE of India, Agra, on the topic of “A comparative analysis of
consumer behavior in relation to health care products of SCH with respect to other
brands present in market .”
Since the study is the best and the time was limited so it was not possible for me to cover the
entire problem in a particular direction. But this project report is the result of my best effort
which covers all the aspects of my topic.
I am hopeful, that study will serve to the organization purpose and this training will bring
confidence and experience knowledge to me for near future.
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TABLE OF
CONTENT
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Page no.
1. Executive Summary -------------------------------------------------9
2. Introduction------------------------------------------------------------10
2.1 Sahara India Pariwar----------------------------------------------11
3. Objective---------------------------------------------------------------17
4. Research Methodology----------------------------------------------19
4.1 Data Collection---------------------------------------------------22
5. Company Profile----------------------------------------------------27
5.1 Sahara Care House---------------------------------------------28
5.2 Various Plan’s Of Sahara Care House----------------------45
6. Overview ------------------------------------------------------------52
6.1 Vision , Leadership------------------------------------------52A
7. Information Form--------------------------------------------------58
8. Privacy Policy------------------------------------------------------59
9. Literature Survey--------------------------------------------------63
10. Comparison Chart Of Sahara Care House Plan A&F,D.--67
11. Data Analysis-------------------------------------------------------75
12.Findings--------------------------------------------------------------82
13. Conclusion----------------------------------------------------------83
14. Recommendation--------------------------------------------------86
15. Limitations Of The Research------------------------------------88

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16. Bibliography-------------------------------------------------89
17. Questionnaire------------------------------------------------90
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EXECUTIVE SUMMARY
In today’s corporate and competitive world, I find that Service sector has the maximum
Growth and potential as compared to the other sectors. Out of the service sector, Insurance
sector has the maximum growth rate of 70-80% while as FMCG sector has maximum
12- 15% of growth rate. This growth potential attracts me to enter in this sector and
SAHARA CARE HOUSE has given me the opportunity to work and gain insightful
experience in this highly competitive and growing sector. The project title of my training was
on “A comparative analysis of consumer behavior in relation to health care
products of SCH with respect to other brands present in the market” of
SAHARA CARE HOUSE. The project helped me to understand about the products or the
Plans of the company and how to promote the company’s Plans to customers. Even it
also helped me to know about various market competitors through the market research
and how is SAHARA different and better from it. Through the internship my negotiation
skills also increased and also came to know that to tackle any consumers is not so easy that
to Indian consumer’s as they are very much aware of many things.
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INTRODUCTION
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SAHARA INDIA PARIWAR
Sahara India Pariwar is a major entity on the corporate scene having diversified
business interests that include Finance, Infrastructure & Housing, Media & Entertainment,
Consumer Products, Manufacturing, Services & Trading.
Important point about SAHARA INDIA PARIWAR as a company.
1-The employees at Sahara India Pariwar greet each other by saying “Sahara Pranam”.
2-Every year, republic day and independence day is celebrated as Bharat parv (National
festival) and Sahara India Pariwar celebrates it as the biggest event of the Pariwar.
3- Sahara India Pariwar has been the official sponsors of the Indian cricket and Hockey team.
4- .Sahara India Pariwar in often referred as the world’s largest family 910,000.employees and
no trade union.
5- Its five star hotel ‘Sahara Star’ near Mumbai airport has the world’s largest pillar less
clear-to-sky dome of its kind.
6- Holds the Guinness world record for planting 125,256 trees by 1400 volunteers in 6 hours
and 35 minutes on 5th June 1988 at Amby Vally City.
7- Hold the record in India for 25%-50% hike in the gross salary of all of its employees at one
go.
8- Conducts mass marriage ceremony of 101 underprivileged girls every year.
9- Subrata Roy Sahara is also referred as “Saharasri”.
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Profit Sharing of Sahara India Parivar
12
Business Interests of Sahara India
1. Finance: In the field of finance, Sahara Group has interests in parabanking, life insurance,
mutual funds, and housing finance.
• Parabanking: Sahara India Financial Corporation Limited is India's largest

mobilization company in the private sector with the highest yearly deposit. It is the first
RNBC to be granted a certificate of registration by the RBI.
• Life Insurance: Sahara India Life Insurance Company Ltd is the first wholly Indian-
owned Life Insurance Company in the private sector.
• Mutual Fund: Sahara Mutual Fund was established in 2005. Presently, it offers 7
schemes: 3 Equity schemes & 4 Debt schemes.
• Housing Finance: Sahara Housing finance Corporation Limited was founded in
August 2002. It commenced retail lending in May 2004. The company has four regional
offices in Kolkata, Lucknow, Hyderabad and Mumbai and a branch each in Kolkata, Asansol,
Siliguri, Gorakhpur, Pune, Hyderabad, Vijayawada and Mumbai.
2. Infrastructure & Housing: Sahara Infrastructure & Housing is India's largest realtor. It
offers broad range of houses, commercial & retail spaces, office spaces and luxurious
penthouses & villas. The company is building townships in 217 cities all over India.
3. Media & Entertainment: Sahara Group has interests in television, cinema, and
newspaper. The group has an entertainment channel called Sahara One and a news channel by
the name of Sahara Samay. Sahara One Motion Pictures is Hindi Cinema Production House
with over 50 films in various stages of production. The group also publishes English, Hindi,
and Urdu newspapers.
4. Consumer Products & Retail Chain: Sahara India offers a range of consumer products
and is developing one of the largest retail chains in India under the brand name Sahara
Unique. Its product range include: Fashion & Lifestyle Products, Fitness & Leisure Products,
Clothing, Jewellery etc.
5. Manufacturing: Sahara India is into jute manufacturing and development of handicraft
industry.
6. Services & Trading: Sahara has one of the largest V-SAT network called Sahara Net. It
has an extensive 6000 strong branch network with 24-hour on-line satellite connectivity.
Sahara Care House offers a host of attractive services to the dependants of NRIs in India.
Note: The above information was last updated on 21-07-2007
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PLAN’S OF SAHARA CARE HOUSE:-
Concierge Services: - This membership entitles the purchaser to avail any of our 100+
services offered at a minimum facilitation fee. These services make the life simpler by
offering a helping hand in their daily errand. Also this entitles him to purchase a host of
products online on our portal which products will be discounted for our members. This
membership will be valid for one year. Our members are entitled to get attractive discounts on
service charges on Healthcare, Utility and Personalized services. There are four major
verticals- Health Services, Utility Services, Personalized Services and Shopping Services
Healthcare Services:- Complete Healthcare Services including Preventive Healthcare
Checkup, Medicine delivery, Ambulance arrangement, visits by Consultant, Lab
investigations etc. Utility Services:-Allowing Members in any part of the world to pay their
family's Utility Bills, Property and Legal Issues, Birth Certificate, Marriage Certificate and
much more. It is a service to help Member's family members and friends in their day to day
requirements. Personalized Services:-A personalized service includes Travel, Tax Filing
Services, Car Pick ups, etc. We help NRI's and their families in customizing their Travel and
Leisure plans in India also. We are also facilitating Matrimonial Services, Event Management,
and Astrology Services etc. We can assist members in getting information about their
ancestors too by our Family Root Search Service Shopping Services :- Shopping services
covers Flower and Gift purchases and delivery, Food delivery virtually all needs. We at SCH
help Indians to carry their sentiments with pleasant surprises for their family, friends and
relatives in India from time to time with wide range of over 15000 products. Not only on
special occasions but just because they LOVE and CARE for them! * VACATION
VOUCHER: - This voucher entitles the member and up to 3 of his family members/friends to
a vacation once in a year for seven nights and eight days in 4000 + resorts across 45 countries.
Member on booking a holiday has to pay a nominal booking and maintenance charges.
(Multiple Request for holiday weeks may also be entertained) for all travel related bookings
via RCI please, mail us at travel@saharacarehouse.
HEALTH COVER:- The member and his family of 3(Spouse & 2 dependent children below
21 years) are covered by Mediclaim cover for Rs. 200, 000/- under floater policy. Member
will enjoy Cashless Hospitalization i.e. Beneficiaries do not have to pay for hospital expenses
involving hospitalization for more than 24 Hours in the network hospitals. Covers Pre-
Existing Diseases (After six months of policy endorsement) 1) Age Limit 70 years 2) Pre-
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cover medical not required. 3) Maternity benefit up to Rs15000/- for first two children only
(After nine months of enrollment) 4) Covers pre (upto30days) & post (upto 60days)
Hospitalization expenses. 5) OPD expenses of 1% or Rs. 2000/- for a family whichever is less
provided followed by Hospitalization. * FREE ACCIDENTAL COVER:-* This policy covers
each family member as desfined above against accidental death for Rs. 1, 00, 000 only
*HOUSEHOLD COVER: -* Theft, Burglary, Fire, Earthquake and floods - This policy will
cover the household of the purchaser against theft, burglary, fire and earthquake etc for Rs. 1,
50, 000/- * SAHARA UNIQUE DISCOUNT VOUCHERS: -* The members will be entitled
to get 25% discount vouchers which can be redeemed in Sahara Unique stores.
SCH DISCOUNT VOUCHERS: - The members will be entitled to get 10% discount
vouchers which can be redeemed on www.Saharacarehouse.In. Become our Independent
Representative Sahara Care House membership entitles you to earn incentives. When you buy
the membership of Sahara Care House, you become an Independent Representative (I.R.) and
can recommend the membership to your friends and relatives. I.R. I.E. You introduce two
friends/relatives to the Company you can earn an incentive of upto Rs. 1000/- for each such
pairn their upline.
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Sahara Care House Strategy
Sahara Care House follows direct marketing strategy where a customer himself consumes a
product and he automatically becomes a distributor. On recommending the purchase of
products/ services to someone else, he gets a commission on it.
DISTRIBUTOR
DISTRIBUTOR DISTRIBUTOR
Sahara Care has chosen. the “Binary” incentive model. According to the binary model, the
incentives are paid to the I.R as under I.R introduces two friends/relatives (A&B) to the
Company i.e. one is placed in the left leg and the other is placed in the right leg, the
Independent Representative earns an incentive of Rs. 1000/-.
IR
L R
A B
If and when A and B choose to recommend the products and services to their friends and
relatives the benefit of upto Rs. 1000/- for each pair will flow to whoever in their online
completes his/hers pair in the ratio of 1:1.
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OBJECTIVE
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The Main objective of this project is that, what is the market scenario in health care sector,
what are the products available in the health care market and whether they are fulfilling the
need of the Indian people.
1. To find out awareness among people about Medical Insurance and their percentage.
2. To find out the percentage holders of individual type and family type Medical
Insurance holders respectively.
3. To find out the ratio of occupation of Medical Insurance holders.
4. To find out whether the insured person is medically fit or not.
5. To find out the market share of various medical insurance companies.
6. To find out the percentage of sale of policy on the basis of sum insured.
7. To find out most preferable feature, satisfying level and basis of customer’s buying.
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RESEARCH
METHODOLOGY
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Research Methodology
Research methodology is away to systematically solve research problem. In it we study the
various steps that are generally adopted by researcher in studying his research problem along
with logic behind them. It is necessary for a researcher to know not only the research
method/techniques but also the methodology. It may be noted, in the context of planning &
development that the significance of research lines in its quality and not in quantity.
Researcher should know how to apply particular research techniques, but they also need to
know which of these methods or techniques, are relevant and which are not, and what would
they mean and indicate and why?
Meaning of Research
“Research is common parlance refers to a search for knowledge. In
fact research is an act of scientific investigation.”
The project was divided in to the following steps.
To decide the Objective of the study
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To decide research design and application
To decide the sources of data collection
To decide from data collection
To collect and organize data
To prepare the research report
To process and analyze report
1. To decide objective of the Study:-
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This step is also research problem. Problem definition is the most critical part of the research
process. Research problem definition involves specifying the information needed by
management. The main objectives of the study are:
• To Create the Awareness of SAHARA CARE HOUSE, among people.
• To find out the level of customer satisfaction with the Plans, offers discount and
services offered by SAHARA CARE HOUSE
2. To decide research design & application:-
Research design involves defining the research problem, determining how to collect the data
and from whom, establishing the way the data will be analyzed estimating costs and the
preparation of the research approach. For this study, descriptive research was selected.
3. To decide Source of data there are two sources of data
Data Collection The data collection method is divided into these categories
DATA COLLECTION
PRIMARY DATA SECONDARY DATA
INTERVIEW PUBLICATIONS
METHOD (directories/ journals/newspaper etc.)
INVOICES FOR VEHICLE

OBSERVATION
METHOD BILLS RAISED FOR
CUSTOMER
COMPANY RECORD
Primary data:-
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Primary data is the original data collected specifically for the problem.
Primary Sources
Primary data which is collected directly by the researcher, for this purpose various tools were
undertaken during the survey. Broadly we can classify them into “INTERVIEW METHOD &
OBSERVATION METHOD.”
INTERVIEW METHOD
For the collection of data from the Individual customers, interview , scheduling is very useful
tool. Research’s main aim of using this tool is to find out the customer’s satisfaction in respect
of various segments, although Information regarding vehicle’s mileage, engine power loading
capacity, braking & suspension system & overall performance were also collected with this
tool. As the Interview schedule is formed for the collection of specific data and observation it
stimulates the process of data collection, as per the schedule a set of standard questions were
asked to the Respected Customer’s.
OBSERVATION METHOD
Observation is the oldest method used by the researcher in investigation or in any kind of field
Training. Through this method the observer directly or indirectly observes the condition and
records the events. The advantage of this method is that it cross checks the data and
information, supplements and validates the data through interview scheduling.
Reason for selecting primary data:-
In terms of primary data a questionnaire has been used to interview desire sample units that
give accurate and up to data information as well better to research problem.
Research approaches: - Primary data can be collected in five main ways: through
Observation, focus groups, surveys, behavioral data, and experiments.
Research instruments: - Marketing researchers have a choice of three main researches
Instruments in collecting primary data:
 Questionnaires: - A questionnaire consists of questions presented to respondents for their
answers. Because of its flexibility, the questionnaire is by far the most common Instrument
used to collect primary data. Questions can be open-ended or closed Ended.
Secondary data:-
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Data potentially useful in solving a current problem but that were collected for a different
purpose.
Reason for selecting secondary data:-
Secondary data can be gathered quickly and inexpensively, compared to primary data, it is
clear useful to study analyzing the recent development in the industry.
Contact methods: - Once the sampling plan has been determined, the marketing researcher
must decide how the subject should be contact:
 Mail questionnaire: - The mail questionnaire is the best way to reach people who would
not give personal interviews or whose responses might be biased or distorted by the
interviewers. Mail questionnaires require simple and clearly worded questions.
 Telephone interview: - Telephone interviewing is the best method for gathering
information quickly; the interviewer is also able to clarify questions if respondents do not
understand them. The response rate is typically higher than in the case of mailed
questionnaires.
 Personal interview: - Personal interviewing is the most versatile method. The interviewer
can ask more questions and record additional observations about the respondent, such as dress
and body language. Personal interviewing takes two forms. In arranged interviews,
respondents are contacted for an appointment, and often a small payment or incentive is
offered. Intercept interviews involve stopping people at a shopping mall or busy street corner
and requesting an interview.
 Online interviews: - There is increased use of online methods.
There are so many ways to use the Net to do research. In this method, researcher can include a
questionnaire on its Web site and offer a people to answer the questionnaire.
4. To decide from the data collection:-
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For this project survey method was selected which was carried through personal interview,
online interview’s and Testimonials by the past and present user or members of SAHARA
CARE HOUSE because information from different customers where required for the analysis.
5. To organize & collect data:-
Once the researcher has formulated and development a research design including
Questionnaire second thing he has to decide whether he has to collect the information from all
the targeted customers. There can be two types of survey are possible.
 Sample Survey
 Census Survey
“For this project sample Survey was chosen”
Characteristics of the sample survey are:-
 It is cheaper than census survey
 It requires less time
 It is economical
 More detail information can be collected
 Deciding the sample plan requires following decisions
 Sample unit “Who is to be surveyed”
Sample
Sample is the true representation of the population by studying of the sample we can predict
the behavior of the population.
Sample Size: 30(in this case:-
Method of Sampling:- In this project, the survey was done within the market that means
probabilistic convenience Sampling was carried out.
6. To process & analyze data:-
After the data was collected it was tabulated, analyzed and interpreted to the conclusion reach.
Techniques Applied
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Bar Chart: - A chart in which the length of the bar represents the amount of the item
associated with the bar.
Pie Chart: - A circle divided in two sections, such that each section represent the percentage
of the total area of a circle associates with one variable.
Types of Research
Along with this there may be 3 type of research methodology these are :-They are –
 Exploratory Research
 Descriptive Research
 Casual Research
“Our research is based on the exploratory research.”
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COMPANY
PROFILE
SAHARA CARE HOUSE
Sahara care house is a part of Sahara India Pariwar, one of India’s largest business
conglomerates with a workforce of over 9, 10000 workers. Sahara India Pariwar has
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the largest workforce with it. Its diversified business interests include financial
services, infrastructure & housing, media and entertainment, tourism and hospitality,
retail chain, manufacturing, services and trading. Sahara pariwar’s success story
started in 1978. (Saharasri) Subrata Roy Sahara is the managing director of Sahara
pariwar. We are here to serve the society not to mint the money. Sahara India
Pariwar is strongly committed to the cause of sports and today we are one of the
largest supporters of sports in India. We are actively associated with different
sports and sponsor many national and international sporting events. Sahara
India Pariwar is committed to make determined efforts to help India emerge as
a developed nation. The amount spent for various Social, Developmental,
Cultural & Sports Programmes by Sahara India Pariwar by June, 2006 is Rs.
655 crore (USD 152 million) approx. It is all about Sahara India Pariwar.
We understand the value of relationships so we devised to personalize our services for you
and we launched Sahara care house in the year of 2006 for NRIs who are settled
overseas and but have family and friends in India. We have 3500 relationship
ambassadors who are ready 24*7 to assist you. It’s a great opportunity for you to
make your loved ones feel that you strongly care them.
To expand the business Sahara care house was re launched in 2008 for all people of
India. We have come with many additional services.
ORGANISATIONAL STRUCTURE
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An Emotonal bonding
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We understand the value of relationships
So we personalize our services for you…
Sahara Care House is an emotionally driven commercial enterprise offering various services
for Global Indians, who are settled overseas but have family and friends in India. Sahara Care
House offers many opportunities to reach out to their loved ones through a bouquet of
attractive services in 197 cities across India. Our services are rendered by 3500 dedicated
Relationship Ambassadors who are on call 24x365 to assist you and make your loved ones in
India feel that you genuinely care for their well being. Sahara Care House is part of the Sahara
1India Pariwar, one of India's largest business conglomerates with an asset base of over USD
10.87 billion. With a workforce of over 910,000 workers, it has a consumer base of nearly 90
million and 1707 offices across the country. Its diversified business interests include Financial
Services, Infrastructure and Housing, Media and Entertainment, Retail Chain, Tourism and
Hospitality, Manufacturing, Services and Trading.
Special Features:-
I. Sahara Care House Costumers Support Centre.
II. Over 100 Service Available In 197 Cities Across India.
III. 3500dedicated Relationship Ambassadors.
Our Objective
At Sahara Care House, we believe in providing outstanding personalized services to meet the
needs of our customers worldwide and their families in India. Our service solutions ensure
convenience, value and absolute satisfaction for our customers.
Various plans of Sahara Care House
30
Sahara Care House has imbibed the business ethos of credibility, reliability and trust of Sahara
India Pariwar.
'Security & Transparency' – Deep-rooted ethos and culture, transparent business
processes of Sahara Care House, combined with the highest degree of professionalism.
'Trust' – Part of a respected and well established USD 10.87 billion conglomerate of 32
businesses.
'Heritage' – History spanning 28 years, + 910,000 employees, servicing 1 out of 17 Indians.
'Reliability' – 3500 'Relationship Ambassadors' across 197 cities ensuring coverage of entire
country.
'Dedication & Commitment' – Respect for human values; sensitivity & responsiveness
to customers' needs.
Sahara Care House Offers you:-
Health care services
-At Sahara Care House, we put the health needs of your family first. Our Healthcare services
look after the health of your family while you are away since it might not always be possible
for you to be physically present with them. You no longer need to worry about how your
family will cope; we will see to it that they get the best of emergency care and medical
attention on time.-
Individual Health care Services
Designed to take care of the specific health needs of your loved ones, our Individual
Healthcare services are flexible enough to suit the varying health requirements of your family
members in India.
By availing this service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and doctors while sitting at
home!-
31
I. Lab Investigation
II. Medicine DeliveryArranging Ambulance
III. Home Visit by Consultants
Preventive Health care Packages
Prepared by an eminent panel of doctors and specialists, our Preventive Healthcare Packages
are designed to identify medical problems before they develop into full-blown conditions.
By taking advantage of our comprehensive bouquet of preventive medical services, NRIs may
make sure the health concerns of their parents and dear ones in India are being carefully looked
after.
I. Master Health Check-up Plan
II. Antenatal Care Plan
III. Regular Health Check-up Plan
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IV. Diabetes Care PlanFamily Healthcare Plan
V. Child Care Plan (0 - 13 years)
Master Health Check-up Plan
--
Become a member
Note: The charges mentioned are service charges only. The task fee (if any) would be
communicated after evaluation of the task and charged extra on actuals.
Even when you are staying far off in a different country, there are a lot of things you can do to
show you care for your loved ones. Gifting a
Master Health Check-up Plan
for instance! This wonderful package by Sahara Care House has been designed by leading
doctors and takes care of the over-all health of a person. The package makes a great gift idea
for your mom, dad, grandparents or siblings. By gifting the Master Health Check-up plan
you can ensure that the health of your loved ones receives the best of medical care.
The idea of Master Health Check-up is to check for the efficiency for vital organ, detect any
potential illness at an early stage and cure it in time. The package is inclusive of necessary
diagnostic tests and a consultation by specialist.
33
Master Health Check-up Plan covers -
I. Hierogram
II. Liver function test
III. Lipid profile
IV. Diabetes test
V. Kidney profile
VI. Other test (12 Lead ECG, Ultrasound Abdomen, X Ray chest, Stool
routine ‘Specialist Consultancy.
This package is especially desirable since our parents often neglect their health and visit the
doctor only when they are ill. However, doctors recommend regular health check-ups,
especially for people in middle ages and beyond. This helps in diagnosing potentially serious
diseases at early stages and curing them in time. Sahara Care House has a tie-up with over
2000 leading hospitals across the country. Our team of 3,500 courteous Relationship
Ambassadors would help the beneficiary get appointment with doctor and even escort them to
the hospital on request.
• All Preventive Healthcare Packages will have tenure of maximum one year except for
"Antenatal Care Plan" (where the tenure is of 9 months). Price of Package includes
only the cost of tests and checkups as given. (all other charges will be extra).
• Taxes Extra (Wherever applicable)
34
Regular Health Check-up Plan
--
Become a member
communicated after evaluation of the task and charged extra on actual.
It has been observed that our NRI friends are always worried about the health and well-being
of their parents and loved ones in India. With thousands of miles separating them from their
homeland, they cannot do anything else but persuade their elderly parents to take care of their
health and go for regular check-ups. How much they wish, they cannot accompany their
parents to doctors or even facilitate their hospital visit. In the absence of proper care and
attention, parents quite often, neglect their health. This leads to a feeling of helplessness and
guilt amongst our NRI friends.
Realizing this sensitive and emotional dilemma of NRIs and PIOs, Sahara Care House has
added a Regular Health Check-up Plan under its bouquet of Preventive Health Services. The
package includes regular health check-ups and specialist consultancies to ensure that
beneficiaries get the best of medical attention. Routine diagnostic tests have also been added
in the plan to detect onset of disease and ensure treatment in time.
• Regular Health Check-up Plan covers -
4 General Physician check-ups at clinic
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• 2 Specialist consultancies at clinic
• 1 Routine Lab Test (Hierogram, Blood Sugar PP/Fasting, Blood Urea, Serum
Creatinine, Urine Microscopic & Stool Routine)
• NRIs may gift a Regular Health Check-up plan to their mother, father, grandparents or
any other person. This way they can ensure that their kith and kin are getting the best of
medical attention and care.
• Sahara Care House has a tie-up with over 2000 leading hospitals in India. A team of
3,500 trained Relationship Ambassadors spread across the country shall help your
loved ones get appointment with the doctor and would even escort them to hospital on
request.
• All Preventive Healthcare Packages will have tenure of maximum one year except for
"Antenatal Care Plan" (where the tenure is of 9 months). Price of Package includes only
the cost of tests and checkups as given. (all other charges will be extra).
• Taxes Extra (Wherever applicable)
Family Healthcare Plan
--
Become a member
36
communicated after evaluation of the task and charged extra on actual.
Family Healthcare Plan is the most wonderful and heart touching gift our NRI friends can gift
to their family members in India. The comprehensive health package has been designed after
considerable research and makes for the most caring gift one can present to Mom and Dad or
even grandparents. Novelty of the Family Healthcare Package designed by Sahara Care House
is that any member of your family can avail the check-ups or investigations listed in the
package, if required.
Family Healthcare Plan covers –
I. 2 Master health check-ups
II. 1 Cardiac check-up (TMT, ECG, 2D-ECHO, Specialist consultancy/check)
III. 1 Lab Investigation (Hierogram, Blood Sugar PP/ Fasting, Blood Urea, Serum
Creatinine,Urine Microscopic, Stool Routine, X Ray Chest, 12 Lead ECG & Ultra
Sound Abdomen)
IV. 4 General Physician check-ups at clinic
V. 1 Specialist consultancy at clinic
VI. 2 free medicine deliveries every month (on request)
VII. 2 times Ambulance on call (on request)
VIII. Medical specialists recommend regular health check ups, especially for the elderly.
This helps in detecting a disease from its onset and controlling it in time. By availing
the package you would not have to worry about your parents’ health or constantly
persuade them for taking routine check ups. Our comprehensive package would ensure
that your family member’s health is taken care of by the best of medical professionals.
IX. Sahara Care House has a tie–up with over 2000 leading hospitals across the country.
Our dedicated team of Relationship Ambassadors shall get you appointment with
37
doctors and would even accompany your family members to hospital if requested.
Though your family would always love to have your company, by availing this package
you can make them feel the warmth of your love and care!!
X. All Preventive Healthcare Packages will have tenure of maximum one year except for
XI. Taxes Extra (Wherever applicable)
Child Care Plan (0 - 13 years)
--
Become a member
communicated after evaluation of the task and charged extra on actuals.
I. All parents would love to take proper care of their child’s health; provide them regular
health check-ups and best of medical care in time of need. Parents staying with their
children can easily ensure this but what about those who are staying away from their
kids in foreign countries?
II. It has been observed that NRIs with kids or little siblings in India are always worried
about the health of their wards. Getting appointments with doctors, taking the child for
regular health check-ups is a big hassle as they usually have to request their ageing
parents or take favors from busy relatives.

38
III. To solve this very genuine worry of NRI parents, Sahara Care House has developed a
comprehensive Child Care Plan for kids between 0-13 years of age. The plan has been
designed by experienced pediatricians and takes care of all round health of kids.
Child Care Plan covers -
I. Comprehensive Child health check-up (Hierogram, Blood Sugar PP/ Fasting, Urine
Microscopic, Stool Routine, LFT, Kidney Function & X-Ray Chest).
II. 3 Specialist health check-ups (either anyone or a combination of Pediatric,
Ophthalmic or Dental)
III. The plan ensures that your child receives best of health care at the time of illness.
Besides on doctors’ recommendations we have included preventive all-round health
care check ups by specialists. The idea is to detect any health issues in the beginning
and assure proper health of your child.
IV. Sahara Care House has a tie-up with over 2000 leading hospitals across the country.
Our dedicated team of Relationship Ambassadors will help you get appointments and
even provide escort services on request. At Sahara Care House we are dedicated to
provide best of preventive healthcare to ensure good health for child and peace of mind
for you.
V. All Preventive Healthcare Packages will have tenure of maximum one year except for
VI. Taxes Extra (Wherever applicable)
Utility Services
-We'll take care of everything, so you and your family never have to worry. Our utility
services are designed to make things easy for your family. From helping to pay their utility
bills to delivering groceries or from facilitating property tax payments to security arrangements
39
at home, our Relationship Ambassadors ensure your family never faces any problem while
you're away.
We also provide property management services when you need to maintain or let out your
present holdings. We can help you purchase or sale of real estate, manage and maintain your
property portfolio with the utmost efficiency.-
Document & Certificate Facilitation in India
We provide wide range of Document and Certificate facilitation services including facilitation
for birth certificates, marks transcripts, marriage certificate, death certificate and encumbrance
certificate in India. Our NRI friends can also post request for ration card, passport and PAN
card facilitation services.
• New Passport (City)
• Additional Booklet (Other than City)
• New Passport (Other than City)
• Passport for Minor (City)
• Change in Name (City)
• Change in Name (City)
• Passport for Minor (Other than City)
• Change in Name (Other than City)
• Birth Certificates from Municipal Corporation, Taluka, Tehsil etc.
• Change of Address (City)
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• Degree School / College Certificate
• Change of Address (Other than City)
• Marriage Certificate
• Duplicate Passport (City)
• Death Certificate
• Duplicate Passport (Other than City)
• Encumbrance Certificate
• Passport Renewal Service (City)
• Marks transcripts
• Passport Renewal (Other than City)
• Ration Card
• Indian Passport Additional Booklet (City)
• PAN Card Facilitation Service
Essential Goods Delivery
Our Essential Goods delivery service is designed to make household shopping convenient for
your loved ones in India. On your request, our dedicated Relationship Ambassadors will
deliver grocery, toiletries and other household items at your loved one’s doorsteps
• Grocery and Toiletry
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• Combo Home Service (Monthly package of 5 Bills & 2 times essential goods
Delivery)
• Grocery and Toiletry (Annual package of 25 orders)
• Combo Home Service (Annual package of 50 Bills & 25 times essential goods
delivery)
Household Utility Bill Payment
By subscribing to our Household Utility Bill Payment services NRIs may bring much relief in
the lives of their family members in India. This means, your parents will never have to stand in
a queue to pay utility bills as our efficient Relationship Ambassadors will take care of it all.-
• Electricity Bill
• Corporation tax / House tax
• Telephone bill
• School fees payment
• Mobile bill
• Yearly Package of max. 50 Bills
• Water tax
Sahara Care House offers comprehensive Legal Advisory Facilitation service for NRIs and
their loved ones in India. Our portfolio of legal service take care of all important legal aspects
including legal opinion facilitation, legal documentation facilitation and finding a lawyer
service.
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Legalization &
Attestation of Documents:-
Our Legalization and Attestation of Documents service is of great benefit for NRIs who wish
to get any document attested or notarized for themselves or their loved ones in India. On your
request, our efficient Relationship Ambassadors will get your documents attested from gazette
officer, municipalities or Government bodies in India.-
Property Management & Maintenance
Even while staying abroad, NRIs may assist their loved ones buy, sell or rent property in India
through Sahara Care House. Our Property Management and Maintenance service also
incorporate services like whitewashing, plumbing, carpentry, pest control etc to assist your
parents take care of their property in India
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• Buy Property
• Pest Control
• Sell Property
• Carpentry
• Rent Your Property
• Electrical Work and Maintenance
• Search for Property on Rent
• Yearly maintenance Package (12 orders in a year)
• Water - Proofing
-Security
Our dependable Security Service offers Non-Resident Indians an opportunity to ensure safety
and security of their parents and loved ones in India. Our very thoughtfully designed service
category offers facilitation for security guards and hi-tech security systems like central
monitoring system, intruder alarm system and more.-
• Hi - Tech Security
44
VARIOUS PLANS OF
SAHARA CARE HOUSE
45
PLAN B1
CONCIERGE SERVICES
HEALTHCARE SERVICES
UTILITY SERVICES
PERSONALIZED SERVICES
GIFTAND SHOPPING ONLINE
Vacation Voucher:
This voucher entitles the members and up to 4 of his family members/friends to a vacations
once in a year for seven night and eight days in 4000+ resorts across countries. Member on
booking a holiday has to play a heavily discounted booking amount.
Sahara Care House Discount Vouchers:
The members will be entitled to get discount vouchers of 10% which can be redeemed on
Sahara Care House website stores on the listed items exclusive for the Sahara Care house
member.
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MEMBERSHIP FEE -------Rs 6666/- for one year
RENEWABLE FEE ---------Rs 3499/-
PLAN B
Attributes of The Membership card of Plan B: The membership entitles the member to
avail any of the 100+ concierge services & to purchase a host of products online at a
discount.
Free benefits:
1. Discount Card / Privileged card : The card shall offer attractive discount to the customers
at various outlets across the country.
2. Accidental Insurance Cover- Rs 4Lacs for the Husband + Rs.4 lacs for the Wife:
TOTAL SUM INSURED P.A COVER HOSPITALISATION
Rs 4,00,000/- Rs. 3.2 LAC Rs. 80,000
This policy offers personal accident cover (death/permanent disablement, loss of limbs and
permanent partial disablement) and cashless facility in more then 3500+ Reputed Hospitals in
India
Age Group: Available between the age of 5 years and 70 years.
3. Thyrocare: The offer includes 20% discount on all tests done at Tyrocare for member,
47
spouse and 2 dependents children.
4. Heavily Discounted Holidays/Vacation Voucher: This entitles the member and up to 3 of
his family members/friends to a vacation for 7 Nights/8people in 4000+ resorts across 45
countries after paying a minimal booking amount.
5. Free Reebok Watch: With membership the member will also get a attractive Reebok Watch
absolutely Free.
MEMBERSHIP FEE Rs. 7777/-only(Incl Applicable Tax)
RENEWAL FEE Rs. 3999/- only(Incl Applicable Tax)
PLAN F
Attributes of The Option F:
1. THAINLAND PACKAGE: 4N/5D- for one person on twin sharing basis + 4 meal
vouchers will be issued for Dinner
2. SAHARA GLOBAL TRAVEL AFGENCY: Sahara Global in association with Sahara
Care House is offering to select members of Sahara Care House to enter the wonderful and
profitable tourism segment. Sahara Global is the travel and tourism arm of 10 billion USD
Sahara India Pariwar. The member will have access to personalized data website and can
book/act online or offline on a wide range of tourism product, these products can be used for
personal booking or can be sold to others for a profit.
48
UNIQUE PRICE OFFERING FOREIGN
TOUR PACKAGE TO THAILAND

+
SAHARA GLOBAL FRANCHISE
+
OTHER BENEFIT Rs.19,999/- Only
Sahara Care House Membership Plan D
Concierge Services
Healthcare Services
Lab investigation: On receiving your order, our Relationship Ambassador will pick up the
family member from their residence and take him/her to the hospital/laboratory. He shall
facilitate your loved one in getting the required blood/urine/stool or diagnostic tests performed
at the laboratory. If requested the Relationship Ambassador will also drop your family member
at their residence with care and compassion. Our dedicated RA will then collect the report from
the lab and deliver it to your family member.
Medicine Delivery: On receiving your order, our Relationship Ambassador will immediately
collect the prescription and the requisite advance amount from the family member’s residence.
49
The RA will also ensure purchase and delivery of medicines as per the prescription thus
ensuring complete convenience for your loved ones in India.
Home visit by consultants: When you post request for a visit by doctor service, our
Relationship Ambassador will make an arrangement for home visit by the physician/doctor as
desired by you or your family member or with the physician / doctor on our panel of network
hospitals.
Arranging specialists consultations at clinic: On receiving your request, our Relationship
Ambassador will arrange an appointment with specialist doctor as desired by you or your
family member or with medical specialist on our panel of network hospitals.
• Utility Services: All documentation work…
• Personalized Services:
Tax filing facilitation service
Visit by relationship ambassadors
Vacation voucher
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in off
seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by RCI( Resort
Condominium International). RCI is an international body which has certain standards and
parameters for resorts, It has 3700 affiliated resorts.
• Sahara Care House Discount Voucher
• You get flat 10% discount on online shopping from sahara care house website.
50
• Sahara Privilege Card ;-It entitles you to avail fabulous (up to 25%) discount from
over 1800 outlets across India. You just go to sahara care house website and select
your state, city, category you will get the list of outlets, you will get up to 25%
discount in shopping from those outlets.
• Sahara Care House Health Supplement; Be fit and fine with our health supplement.
• Sahara Care House Life Style Magazine ;You get 12 editions of life style magazine
in a year either in English or in hindi.
• Sahara Global
• It is the most valuable service for you which gives a great opportunity for those who
want to be an entrepreneur. You can start your own business with the association of
Sahara Global. Sahara Global is a tour and travel company of Sahara India Pariwar. It
is like You get the franchisee of Sahara Global. You are given a travel guide (book)
and ID and Password. Member will have access to personalized data in the website
and can book/act online or offline on a wide range of tourism products. These products
can be used for personal booking or can be sold to others for a profit. Sahara Global
has tie up with 40000 hotels all over the world(3000 in India). You just need a
telephone line, a computer and an internet connection. You can book tickets both
online and offline. You get an opportunity to have dual commission. As you log in
with your ID and Password, You can book air tickets, rail tickets, hotels, holiday
packages, transportation involved etc. when you book a message flash on your screen
about your commission given by Sahara. You can take extra as your service charge
from your customers. You get 5 to 10% discount and it varies with the amount of
transaction. You can pay via debit card, credit card, can deposit cash in bank account
of Sahara, You can pay cash, You just need to call Sahara, Our collection team will
come and collect cash from you. It totally depends on you how you want to pay. We
51
are best competitive in the prices. Once you take this plan you get sahara global
franchise for life time. You need not to pay any subscription amount life time.
52
OVERVIEW
Quality
Quality is our essence and we, at Sahara India Pariwar, have always stressed on the Qualitative
aspect. Consequently in this run for quality, quantity has always pursued us. We look forward
to reaching the zenith and reaffirm our commitment to the process of sound nation-building.
Results from honoring Rules, Regulations, Commitments, Values, Fairness, Performance of
Duties by honestly balancing one's own and others' reasonable point of view in the matters of
material & Emotional aspects
WE CHASE QUALITY, QUANTITY CHASES US
Core Commitments - Our Strength
Emotion
Emotion is in Performance of genuine duties towards the loved ones primarily in their benefit,
53
from their point of view. EMOTION is THE KEY that generates the required energy and
enthusiasm for desired quality performance.
Discipline
The enthusiastic obedience of laws and orders, which are given by the rightful authority.
Duty
The enthusiastic obedience of laws and orders which are given by our CONSCIENCE.
No Discrimination
Never should we discriminate in any of our actions, reactions, attitudes, decisions, conclusions,
in any of our expressions while caring for the six health of other human beings, namely
physical, material, mental, emotional, social and professional health.
Give Respect
To definitely make others feel important and respected by giving sincere regard to others'
feelings, reasonable wishes & thoughts with an open and receptive mind and warmth.
Self-Respect
To develop a sense of respect for oneself in others' mind, i.e. to generate genuine & warm
feelings for oneself among others on a continuous basis.
Truth
Means total transparency in action, reaction, attitude and all other expressions and the
conviction to follow the right course.
Collective Materialism
Means to progress and prosper together for collective sharing and caring and not individually
or for a select group.
54
Religion
There is a religion higher than religion itself - it is NATIONALITY. We may practice our
religions in the confines of our homes, but outside, we should be Indians and only Indians.
'Bharatiyata' or Nationalism thus becomes our supreme religion.
Absolute Honesty
People generally manipulate and deceive for achieving their unreasonable desires and greed if
others do not or can not see, hear or understand. But we firmly believe that our mind inside
knows the truth and we should be absolutely honest to our mind inside and accordingly our
actions, reactions, directions, decisions and all our expressions should be present in all human
dealings.
Leadership
Sahara India Parivar’s biggest achievement is that they are under the guidance of “Saharasri”
Subrata Roy Sahara who is proud to be the Guardian of The world’s Largest Family. In
business profit earnings and overall growth of business get the highest priority and are
certainly creditable, but ultimate credibility of business enterprise , particularly of larger
ones is in the utilization of profit, be it for best possible enlistment of its workforce and for
espousing. Social, National Development causes or for rendering service to mankind as a
whole. Fulfilling the Qualitative aspect of utilization of profit, the world's largest family
‘Sahara India Pariwar is proud to have reached today new horizons of growth and development
development. On the basis of our philosophy of Collective Materialism we have always given
importance to the fact that profit earning is the Quantitative aspect whereas the proper
utilization of profit is the Qualitative aspect. Ironically, we only recognize and get recognized
by the Quantitative aspect. I, therefore earnestly appeal to one and all in Politics, Media,
Business etc. that every action, reaction, selection, appreciation or criticism should be oriented
strictly towards the Qualitative aspect. I appeal to anybody and everybody to accord top
55
priority to Qualitative aspect in anything and everything for peaceful, prosperous and
progressive co-existence of mankind anywhere and everywhere.
Vision
An organization is exemplified by the values it practices. At Sahara India Pariwar, we believe
in religiously chasing quality, honouring rules and regulations and fulfilling all commitments.
These principles are aimed towards a peaceful, prosperous and progressive coexistence of
mankind, anywhere and everywhere. This is the essence of Collective Materialism – Our
Corporate Philosophy which means to progress and prosper together for collective sharing and
caring and not individually or for a select group. Like every other division of Sahara India
Pariwar, Sahara Infrastructure and Housing is also inspired by our mantra of "Karma, Quality,
Kartavya” i.e. practicing superior work ethics, emphasizing on "quality" in all products and
services and remaining true to our commitments Today, I feel proud of the fact that I am the
Guardian of the World's largest family. Perhaps, I am the world's only person whose family is
so vast, so disciplined, so dedicated and so committed. Such a vast family as Sahara India
Pariwar has a grand and infinite future and I am sure that we will sustain our duty,
consciousness, discipline and dutifulness with a sense of dedication, as we have always done
in the past, so that together we could build an India full of energy and radiance It is a matter of
pride that we are able to contribute through this division in accelerating the momentum of
India's wheel of progress. Sahara Infrastructure and Housing has also taken up such social
responsibility projects as Kargil Martyrs and Bhuj housing projects. We are committed to
make India a developed country from its present status of a developing country.
(Subrata Roy Sahara)
Managing Worker & Chairman
(Sahara India Pariwar.)
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PHILOSOPHY
SAHARA INDIA PARIWAR'S PHILOSOPHY - "Collective Materialism"
In any human relationship, it becomes imperative to take into consideration the materialistic
aspect of life - we do so but by giving it second priority. The first priority is given to
emotional aspect and with perfect blending of materialism with emotionalism, results in
continuous collective growth for collective sharing and caring, that gives an impetus to our
philosophy - "COLLECTIVE MATERIALISM".
BHARTIYATA
There is a religion higher than religion itself - it is the INDIAN NATIONALITY. The swirl of
the Three colour never fails to move a Sahara Worker. For we believe, it is the great feeling
that transcends all castes, creed and sects. Bharat Parva is Celebrated on every 26th of January
and 15th of August with a spirit and gaiety rarely seen .It comes from our heart.
57
INFORMATION FORM
Dear Sir
I the undersigned request that Sahara Care mbership may be allotted to me as per the company’s term and
conditions, which I have understood and shall abide by the same as stipulated by your company.
I further agree to sign and execute any necessary agreement, as and when desired by the company on the
company’s standard form.
I remit herewith a sum of rupees by cash/bank
Draft/Pay order No.: -_______________________________ Dated: - ____________________________
Drawn on, _______________________________________ Bank Payable at Gurgaon (Haryana) against
pre-launch registration for Sahara Care Membership fee.
My/our particulars are mentioned below may be recorded and communication.
1. Name: - ___________________________________________ D.O.B: - __________________
2. Fathers Name: - _____________________________________
3. Local Address:
-_________________________________________________________________________________
_________________________________________________________________________________
___________________________________________________________
4. Permanent Address:
-_________________________________________________________________________________
_________________________________________________________________________________
___________________________________________________________
5. Telephone No: -_____________________________________
6. E-Mail: - ___________________________________________ Mobile: -
_____________________
7. Pan No: - ___________________________________________
8. Nominee Name: - ________________________________ D.O.B: -_______________________
58
Privacy Policy
Unless otherwise defined, all capitalized terms used in this privacy policy ("Privacy Policy")
shall have the meaning given to them in the Client / Guest agreement (“Agreement”).
In addition to acceptance of the terms and conditions provided for under the Agreement, the
TOS for a particular Service and Amendments that may be made from time to time, You are
required to accept the terms and conditions contained in this Privacy Policy to avail of any
Services through www.saharacarehouse.com. All terms and conditions of the Agreement are
incorporated by reference in this Privacy Policy and shall be deemed to be a part of this
Privacy Policy. SAHARA CARE HOUSE is committed to the complete security of
information and transactions made by You. SAHARA CARE HOUSE hereby undertakes that:
-
1. You can browse the site without telling us who you are or revealing any personal
information about yourself. to fully use www.saharacarehouse.com and avail of the
services provided by SAHARA CARE HOUSE, you will need to register using
SAHARA CARE HOUSE’s online registration form, where you may be required to
provide SAHARA CARE HOUSE with your contact and other personal information as
indicated in the forms throughout the site.
2. Once you register the access to the Services and information available on
www.saharacarehouse.com is provided only through a valid login id and password
provided to You upon registration with www.saharacarehouse.com.
3. In accordance with strict standards of security and confidentiality, Sahara Care House
shall ensure and safeguard all information that is provided by You to SAHARA CARE
HOUSE. Wherever certain information is requested and necessary to enable You to
access and use www.saharacarehouse.com or the Service, SAHARA CARE HOUSE
gathers such information, including personal information, so that SAHARA CARE
HOUSE can better develop its relationship with You. You may choose not to share
any such information with SAHARA CARE HOUSE, but in such case, You may not
be able to take advantage of the features on www.saharacarehouse.com.
4. Information provided by You is an important part of SAHARA CARE HOUSE's
59
business and SAHARA CARE HOUSE is aware of the confidentiality requirements of
such information. Therefore, SAHARA CARE HOUSE assures You that SAHARA
CARE HOUSE is not in the business of selling or sharing any such information
whatsoever with third parties, except to the extent necessary to provide products or
facilities as required under the Services .If SAHARA CARE HOUSE uses your
personal information and or comments for any commercial purposes whatsoever in the
future , SAHARA CARE HOUSE will notify you at that time and allow you to opt out
of having your information used for such purposes.
5. SAHARA CARE HOUSE has independent contracts with various Service Providers to
provide the Services and such Service Providers are provided with your personal
information (only to the extent necessary) for the performance of the Services on a
‘need to know basis’, and are bound by confidentiality obligations similar to those
contained in this Privacy Policy. However, SAHARA CARE HOUSE shall not be
liable for any breach of confidentiality obligations on the part of the Services
Providers and You shall defend, indemnify and hold harmless SAHARA CARE
HOUSE against any claims in this regard.
6. SAHARA CARE HOUSE shall permit only employees and personnel of SAHARA
CARE HOUSE or its affiliates/group companies, its financial and legal consultants
and the Service Providers access to the information provided by You strictly on a 'need
to know basis'.
7. Employees, Service Providers, and/or other external organizations, who violate

SAHARA CARE HOUSE's confidentiality requirements under this Privacy Policy,
shall be dealt with in accordance with the contracts governing their respective
relationships with SAHARA CARE HOUSE and all applicable laws for the time being
in force.
8. Additionally you may encounter “COOKIES” or other similar devices or certain pages
of the sites that are placed by third parties, we do not control the use of “COOKIES”
by third parties.
9. The confidentiality restrictions in this Privacy Policy shall not apply where any
information is:
(a) required to be disclosed by, under or pursuant to any applicable law in force or
60
pursuant to any order, decree, judgment, award, etc. of any court, tribunal or
government authority;
(b) disclosed to SAHARA CARE HOUSE’s legal or financial advisors or consultants;
(c)already present in the public domain;
(d) necessarily required to be disclosed in order to ensure that You avail of the
Services under the applicable TOS; and
(e) necessarily required to be disclosed to protect the rights, property or for personal
safety of SAHARA CARE HOUSE, its users or the public.
10. SAHARA CARE HOUSE may update or modify this Privacy Policy from time to
time. Such modifications shall be reflected in the Amendments posted on
www.saharacarehouse.com from time to time, which shall be binding on You.
11. You acknowledge that You have read this Privacy Policy and agree to all its terms and
conditions. You have also independently evaluated the desirability of availing the
Services on www.saharacarehouse.com and are not relying on any representation,
guarantee or statements other than as set out in this Privacy Policy.
12. ARBITRATION:
Any dispute or controversy arising out of or concerned with the this Policy shall be
referred for adjudication to a Sole Arbitrator to be appointed by SAHARA SERVICE
LTD the said Sole Arbitrator may be an employee or ex-employee of SAHARA
SERVICE LTD or any of its sister/associates concern(s). You hereby approves of and
grants your consent to this .The Sole Arbitrator shall follow the procedure as provided
for in the (Indian) Arbitration & Conciliation Act,1996 as amended from time to time
and the award by the Sole Arbitrator shall be final & binding upon the parties. The seat
of Sole Arbitrator shall be at Lucknow and all proceedings shall be conducted in
English.
13. GOVERNING LAW AND JURISDICTION
1. (a) This TOS shall be governed by and constructed in accordance with the laws of
India without reference to conflict of law principles.
2. (b) Subject to the Arbitration Clause above, the Courts of competent jurisdiction at
Lucknow only shall have exclusive jurisdiction over the subject matter.
3. (c) If any provisions(s) of this TOS is held by a court of competent jurisdiction to be
61
contrary to applicable law, then such provision(s) shall be construed, as nearly as
possible, to reflect the intentions of the parties with the other provisions remaining in
full force and effect.
4. (d) SCH's failure to exercise or enforce any right or provision of this TOS shall not
constitute a waiver of such right or provision unless acknowledged and agreed to by
SCH in writing.
5. (e) The section titles in this TOS are solely used for the convenience of the parties and
shall not be taken into account for the purposes of interpretation or construction.
6. (f) If any term or provision of this Agreement or the application to any person or
circumstance shall, to any extent, be invalid or unenforceable, the remainder of this
Agreement, or the application of such term or provision to persons or circumstances
other than those as to which it is held invalid or unenforceable, shall not be, held
invalid.
62
Literature Survey
What is Health Insurance? It is a contract between the Insurer & the Insured wherein the
former agrees to pay to the latter hospitalization expenses to the extent of an agreed sum
assured in the event of any medical treatment out of an illness or an injury. In the nutshell the
Health Insurance is a policy which covers you & your family against medical expenses due to
sickness, accident etc. The Insured in return has to pay a regular premium to the insurer.
Why you need Health Insurance?: It is indubitable that Health Insurance has become an
important element in one‟s life owing to increasing medical costs these days & uncertain
environment; it comes to your rescue acting precautionary measure in today‟s tough time
while acting as a life saver boat in case of any
medical contingency. If you don‟t have Health Insurance, you end up paying hefty medical
bills in the event of hospitalization out of illness or injury, therefore insuring your family
against Health Insurance is a must thing & should surely be a part of your regular financial
planning. All we have is our health which needs to be protected & taken care of by acquiring
the best health insurance policy suited for us.
Types of Health Insurance Plans:- Health Insurance Plans are segregated into three
categories, firstly the Mediclaim Plans by Non- Life or General Insurance Companies,
secondly the Hospitalization Cash Policy by both Life & Non-Life Insurers and thirdly the
Critical Care Plans offered by both Life & Non-Life Insurers. Mediclaim Policy is basically a
reimbursement plan offered by General Insurers wherein the insured gets reimbursed of the
total bill amount of the medical expenses to the extent of an agreed sum assured. It includes
the room charges, ICU charges, surgery & doctor charges etc. It includes a lot of exclusions
63
which the policy holder must read before buying the Mediclaim. The
Mediclaim includes the following two further categories:
1) Family Floater Plan:- It is a very common plan these days which covers your entire
family under one premium payment giving coverage to the family members together. This
plan is being offered by almost all the General Insurance Companies with a specific criterion
of covering individuals in the age group between 90days and 55years.
2) Group Mediclaim Insurance: It is the second variant of Mediclaim which covers a group
of individuals simultaneously. This form of insurance includes the category of Employer‟s
Health Insurance Cover wherein the sum assured normally varies between Rs. 15,000 and
Rs.5, 00,000.
Hospitalization Cash Policy:- is a plan offered by both Life & Non-Life Insurers wherein the
Insured gets pre-determined cash benefit on a daily basis irrespective of the hospitalization
expenses being incurred. It is not a fully comprehensive health insurance plan because it
doesn‟t cover the cost of medical treatment but pays lump sum amount to the policy holder on
per day basis during the treatment/hospitalization. It acts a complimentary plan to the
Mediclaim
plans. TATA-AIG General Insurance & Royal Sundaram offer Hospital cash benefit plan
among Non-Life Insurers.
Critical-Care Plan:- It is offered by both Life & General Insurers covering an individual for
certain specified critical illnesses like cancer, stroke etc. This is also offered as a rider by Life
Insurance companies for quite some time now attached to their Life Insurance Plans. You
must take a cover either as a rider or as a standalone plan in your portfolio.
Health Insurance Tax Benefits:- Health Insurance products are eligible for tax benefits
under section 80D of the Income Tax Act, 1961. Premium paid under health insurance holds a
tax deduction upto Rs 15,000 for you, your spouse and dependent children. Further more you
64
can also claim another Rs. 15, 000 for tax deduction for your parents, in case of senior citizens
(65 years or more) the above deductions are increased to Rs. 20,000.
Family Floater Plan-in detail :-For instance a person wants a health insurance for himself,
his spouse & their children, the Family Floater plan offers insurance coverage to the entire
family under one premium payment. Let‟s take an example wherein the person insures
himself, his spouse & the dependent children with the individual insurance plans with a sum
assured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000
for each family member. On the other hand if the
person would have opted for the family floater plan with the sum assured of Rs. 3 lakhs, the
total premium would surely be less than the separate premium payments in individual health
insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as
against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical
treatment costs go beyond that.
Cashless Hospitalization :-Cashless settlement implies that an individual doesn‟t have to
settle a hospital bill out of his pocket; rather the bill gets settled directly by the insurance
company. When you buy a Health Plan you are issued a Health Card along with the policy
documents which would entitle you to get cashless claim at any of the company‟s network
hospitals.
What do you do in case of a claim?
You should walk into a network hospital & get the treatment done & the bills paid through the
Health Card. In case of hospitalization you need to give the card number to the network
hospital, you must pre-authorize from the TPA (Intermediary between the Insurance Company
& the hospital) & will process the cashless settlement after the verification of your policy
details. You should know the formalities required for cashless settlement as some insurance
65
companies are required to be notified 48 hours before hospitalization. If you don‟t opt for
cashless settlement, you need to settle bills at the hospital and get them reimbursed later.
Health Insurance Covers & Benefits
• Room & Boarding expenses: There are further limits to this feature varying from company
to company.
• Ambulance Charges: They are normally covered upto Rs. 1000.
• ICU charges, doctor, consulting, anesthetist and surgeon fees, operation and other diagnostic
and surgical material costs are covered.
• Day-Care expenses such as Chemotherapy, Dialysis & Radiotherapy etc.
• Pre & Post Hospitalization Expenses which normally are 30 days prior and 60 days after
hospitalization.
• Cashless Hospitalization is offered by almost all Non-Life Insurers.
Important Pointers in Health Insurance
• You must read the policy exclusions & the limitations in various covers properly before
buying a Health Insurance plan because you should know what all covers your policy include
& exclude.
• You should note the number of network hospitals covered in the Insurer‟s list of network
hospitals as this will help you to get cashless & hassle-free claim.
• You must read the names of critical diseases being covered before buying a Critical-Care
plan.
• You must know that the medical expenses incurred within the first 30 days of buying the
health insurance plan are not covered unless the injury has occurred out of an accident.
• You must disclose all the Pre-Existing diseases to the insurer before buying the health plan
as the insurer doesn‟t cover them, now a day‟s General Insurers have started covering these
diseases normally after 3-4 years varying from company to company.
66
COMPARISON WITH COMPETITOR
IN HEALTH INSURANCE
This includes all the data which is been collected through the Market Research done by me &
my team. It completely shows the comparison of Medical Claim given by other Brands &
SAHARA CARE HOUSE in its Plan-A as an Additional benefit.
The comparison what we have done of SAHARACAREHOUSE is some of the renowned
BRANDS like ICICI Lombard, MAX NEWYORK etc.
Market Research for the PLAN-A is as follows:-
1. Comparison between SAHARA CARE HOUSE & ICICI LOMBARD
67
SAHARA CARE ICICI LOMBARD
HOUSE
1 DOCUMANTATION No Documentation No Documentation required
required
2 SUM AMOUNT 2L 2L-4L
3 FLOATER FACILITY Available Available
4 ENTRY AGE & 3 months-70 years, 3 months-60 years, Renewal up
renewal period Lifelong renewal to 65 yrs of age
5 CASH LESS Yes, Tie up with 3500 Yes, Tie up with 3500 hospitals
FACILITY hospitals
6 REIMBURSEMENT 7 days 30 days
PERIOD
7 PRE EXISTING 6 months 4 years
DISEASE
8 PRE & POST Pre-30 days Pre-30 days
HOSPITALIZATION Post-60 days Post-60 days
9 PREMIUM 11027 for 1st year 13743 for 3 years
6617 for every year if you 20686 for 4 years
want to avail the service
for rest of your life.
10 Maternity effect Yes No
11 Testing No testing required No health checkup up to the age
of 55yrs then only test
requirement is compulsory.
12 Additional Benefits Household covers Extra premium required for
Accidental death cover these services
includes in same
premium
13 Additional Services Concierge services No additional service
Discount vouchers
Vacation voucher
Privilege cards
2. Comparison between SAHARACAREHOUSE & APOLLO MUNICH
68
SAHARA CARE HOUSE APOLLO MUNICH
1 DOCUMANTATION No Documentation No Documentation required
required
2 SUM AMOUNT 2L 2L
4 ENTRY AGE & 3 months-70 years 3 months-60 years

RENEWAL FACILITY Lifelong renewal Lifelong renewal
5 CASH LESS In network hospitals ,tie In all major network hospitals
FACILITY up with 3500 hospitals
PERIOD
DISEASE
HOSPITALIZATION Post-60 days Post-60 days & if you inform
them
5 days earlier as per doctor’s
prescription then the pre-
hospitalization is 60 days and
post- hospitalization is 90 days.
9 PREMIUM 11027 for 1st year 11315 every year and if the policy
6617 for every year if you remain unclaimed any year then
want to avail the service for 10
rest of your life. % of the sum amount gets added
to the next years sum amount till
it becomes 50 %.
10 Maternity effect Yes, 15000 for 1st 2 Yes , 15000- normal &
children after 9 months 25000- Special case for 1st 2
children but only after 4 years.
11 Medical test required No Yes above 46 years of

age…………..
69
4. Comparison between SAHARACAREHOUSE & TATA AIG
SAHARA CARE TATA AIG

HOUSE
1 DOCUMANTATION No Documentation No documentation required
required
2 SUM AMOUNT 2L 2 lacs after evry 7 days
3 FLOATER FACILITY Available Yes
4 ENTRY AGE 3 months-70 years 5-55 Yrs
5 CASH LESS Tie up with 3500 Available

FACILITY hospitals
PERIOD
DISEASE
HOSPITALIZATION Post-60 days Post-90 days
9 PREMIUM 11027 for 1st year 18000 minimum premium,,
6617 for every year if you Constant for 5 years
10 Maternity effect Yes Not given
11 Testing No testing required Not required

12 Additional Benefits Household covers Extra premium required for
Accidental death cover these services
includes in same
premium
Discount vouchers
Vacation voucher
Privilege cards
5.Comparison between SAHARACAREHOUSE & MAX NEWYORK
70
SAHARA MAX NEWYORK
1 DOCUMANTATION No Documentation Only Photograph, Age proof etc.
required
2 SUM AMOUNT 2L 3L
4 ENTRY AGE 3 months-70 years, life For child(0-18),Adult(18-65) &
long Renewal Period is up to 75 yrs
5 CACH LESS Tie up with 3500 Yes. available in over 4000+
FACILITY hospitals network hospitals
6 REIMBURSEMENT 7 days After 1 Month
PERIOD
7 PRE EXISTING 6 months Not Cover
DISEASE
8 PRE & POST Pre-30 days Pre-no
HOSPITALIZATION Post-60 days Post-up to Rs. 3000
9 PREMIUM 11027 for 1st year Rs.15000
6617 for every year if you
10 Maternity effect Yes No
11 Testing No testing required No test requirement
1 Additional Benefits Household covers Extra premium required for these
2 Accidental death cover services
includes in same premium
Discount vouchers
Vacation voucher
Comperision of only vacation voucher
Feature Sahara Club Mahindra

Membership Life time 25yrs
Season Use in each season. you we can Blue plan-low season, white
go in any season plan-middle season, red-peack
season. if we bought blue plan
than only you go in low season
not in other
Resort R.C.I afflicted 3yrs in R.c.i , rest in
Mahindra &Mahindra affliated
71
No.of resorts 4000 in all world.88 in India 32 resort in india
No.days 8 days&7 night 8 days&7 night
How many times use in a 52 time One time
year
Discount 50-80% on lodging on each Lodging free for 25 yrs
room
Member Up to you Only 2
Room provided 1 liv room 2 bed room for 6 1 bed room
people
Charge 8888+10.2%taxes=9029 Blue-1.6,white-2.6,red-3.67
Renewal charge 4999| 8994
How pay 8888 at a time of purchase plan, Full payment at time of purchase
every yrs only renewal fees or use E.M.I,but paid in 1 yrs
full amt
Cox and Kings vs. SAHARA GLOBAL
FRANCHISE
Cox and Kings Sahara Global
Franchisee Fee Rs. 3 to 10 lakhs Rs. 9803
Security Rs. 2,50,000 No
Validation 5 yrs Life time
Space required Atleast 250 sq ft. Upto you

 Under ownership.
 If on lease then it must be
permissible for five years.
 Should preferably be on
the ground floor.
 Should be main road
facing.
 Should have a provision of
Premises requirement a Sign board which will be clearly
visible. Nothing
 The franchise interiors and
exteriors will have to follow the
Cox & Kings look and feel from
specifications and guidelines
defined by Cox & Kings and the
costs to be borne by you.
72
Capital Investment 10-15 lakhs Upto you
Commission from company Fixed 4% 5-10%
CLUB MAHINDRA vs. SAHARA GLOBAL
FRANCHISE
CLUB MAHINDRA SAHARA GLOBAL
Franchise Fee 50000 9803

Security 40000 Nil
Space Required 300 sq.ft. Up to You
• Should preferably be on
the ground floor.
• Should be main road
facing.
• Should have a provision
Basic Requirement of a Sign board which will be
clearly visible.
Computer, internet
• Air-conditioning Connectivity&
• A flair for managing a a printer
Direct Sales team
only 1 phone line

Telephone Line 2 phone and 1 fax line
Lifestyle, travel/holiday
Experience products, Insurance, Personal Not Necessary
loans and credit cards
73
Silver
Privileges / Features Guest
Member
Documentation & Processing Fees/ Charges (this amount is valid for 1 year and is non- US$
refundable.). 299.99
Up to
Discount on service charges (except Shopping Services.).
10%
Med claim Cover for your Family members in India (max. of four blood relations-
dependent parents, spouse, 2 dependent children below 21 yrs residing in India) with a
total coverage of US$ 4255.32 (INR 2 lakhs) w.e.f. 15th November’08 .

Health Care Terms & conditions
Accidental Death Coverage for your 4 nominated Family Members in India (US$ 2128
[INR 1 Lakh]per person up to 4 people).

Pre-existing diseases after 6 months. (Every year)
Age Limit maximum 3 months to 80 years.
Maternity benefit up to Rs15000/- for first two children.(After nine months of
enrollment)
30 days waiting period – Waived.
Pre-care medical not required.
Covers pre (upto30days) & post (up to 60days) Hospitalization expenses.
The Room charges cap will be 1% of Sum assured for normal care and 2% for ICU.
74
DATA ANALYSIS
75
2.Awareness among people about Medical Insurance.
AwarenessPercentage
Did Not Heard
about Medical
Insurance
29%
Heard About
Medical Insuranc
71%
2.Users of Medical Insurance Policy.
76
3.Ratio of Users of Medical Insurance on the basis of type of Insurance.
4. Division of Medical Insurance Holders on the basis of their Occupation.
77
5. Is/Are the Insured Medically Fit or not while taking the policy.
6.Market Share of Companies.
78
7. Sales of policy on the basis of Mediclaim Amount.
8. Mode of Purchasing the Policy.
9. Reason of Preference Over other company.
79
10. Features looked by a consumer in the policy.
80
11. Is the policy holder satisfied with his/her policy.
81
FINDINGS
As the people think that Health care policy is a tool to protect their family & a tax saving device. They
are aware of the fact & realizing its, importance. The company should try to expand & build up its
infrastructure because there is a large potential for health care policy in India.
1. .Company should come up with its branchs in different cities. With the objective and goals to meet the
demands & expectations of the public. Because the entrance of private players will increase the
competition and it would be a tough task to secure a good position in market.
2. .As seen from the survey that at present 40% of the customer are having medical insurance policy out
of which 60% of the customer are planning for new investments. So it can be a good potential for the
company and they should make an attempt to trap these customers. Still literacy level of people is high
in different areas.
3. Majority of respondents are willing to avail all the extra benefits with their Health care Policy by
paying a nominal fee or charges with their policy premium. Most of respondents are interested in
Critical Illness benefit
4. The investors were interested more in Policies of LIC because it is a Government body.
82
CONCLUSION
83
1 By Graph 1 and Graph 2 we can conclude that most of the users are aware of the
medical insurance and there is a huge potential for companies in this market because still
most of the market is untapped. This shows that people are becoming more health conscious
day by day and taking more care of their health.
2 The share of Individual type policy is more than family type policy because family
type policy is introduced later in the market of health insurance earlier companies came up
with only individual policy option. Today also if u don‟t want to get the benefit of floater
amount some companies give better options if you take individual health insurance for your
family members even the aggregate premium is less in latter case with some companies.
3 Most of the medical insurance comes from the business background this shows that
companies will find more prospects among business class people. Also government
employees already get medical insurance from their respective organization.
4. Most of the users are medically fit at the time or before the time of taking the policy this
again shows that people are becoming more health conscious and have started believing
firmly that “Prevention is better than cure”.
5. ICICI Lombard is the market leader with market share of 15%, Reliance General
Insurance is second with the market share of 13%, while Sahara Care House has a very low
market share of only 3%.
6. The policy having mediclaim amount of 2 Lac or less than 3 Lac is liked most by the
customer.
7. Online mode of purchasing the policy is growing.
84
8. Most of the policy holders make the purchase decision on the basis of Company Brand
Name/Image or on the recommendation of their near and dear one‟s.
9. Customer before purchasing the policy also look for waiting period, domiciliary
treatment and diseases excluded are looked equally and reimbursement in hospitals other
than cashless hospitals of the company is also considered by a consumer before purchasing
the policy.
10. 93% customers are satisfied with the policy they have which means almost every
customer is satisfied with the policy he/she have.
85
RECOMMENDATIONS
1. Sahara Care House should gear up to increase it‟s market share. It should add an option of
individual type policy or introduce new plan for this type of policy.
2. It should also provide more range for the mediclaim amount as the consumer also want to
go in a range of more than 2 Lac.
3. It should do some publicity and advertisement of it‟s services even if the mode of selling of
services is direct selling.
4. Online purchasers are growing because the companies give installment payment option
through online purchase and even give benefit of 0% interest on EMI. So Sahara Care House
should look this seriously.
5. Even the companies while selling the policies online does not ask for any documents. So no
documentation feature of Sahara is no more beneficial to it.
6. Sahara Care House should promote it‟s medical insurance by stressing more on the key
features like covering pre-existing diseases after 6 months, no medical even after the age of
50yrs and apart from the diseases excluded all other diseases are covered by Sahara Care
House from the first day of purchase of policy without any waiting period.
7. sahara Care House is part of the Sahara India Pariwar, one of India's largest business
conglomerates with an asset base of over USD 10.87 billion. With a workforce of over 910,
000 workers, it has a consumer base of nearly 90 million and 1707 offices across the country.
Its diversified business interests include , Tourism and Hospitality.
Sahara Care House believe in direct marketing. Sahara care house has to adopt mass media
and print media for create awareness in the market.Utility services and personaliged services
are good for those people who live far away from home and they provide these facilities to
86
her parents.Sahara Care House health insurance really good comparison then other insurance
company
LIMITATIONS OF THE RESEARCH

87
 Sample size constraint: Instead of following statistical formula in determining the sample
size we arbitrarily arrived at a figure of 100
 Time constraint: Apart from the field work very less time were available for the research;
the research therefore could not be exhaustive.
 Monetary constraint: As this research was conducted for academic purpose the money
spent had to be very limited.
 Place constraint: Since we are located in an area far away from the city the respondents
were a homogenous lot.
BIBLIOGRAPHY
88
 Insurance Practice And Principle (By M.N MISHRA)\
 IRDA Journals
 Www.Iciciprulife.Co.In
 Www.Lic.Com
 Scribd.Com
 Marketing Management (By Philip Kotler)
 Http://Iegd.Institut.Com
 Kothari C.R, Research Methodology, Vishwa prakashan, New Delhi, Reprinted
Edition, 2004,
QUESTIONNAIRE
89
I, student of GLOBAL INSTITUTE OF INFORMATION TECHNOLGY is doing a
consumer behavior study on medical insurance for academic purpose. Kindly co-operate.
1. Have you heard about Medical Insurance (Please mark √ in front of appropriate answer or
highlight it with any different colour)?
 Yes
No
2. Do you or anyone in your family have medical insurance (Please mark √ in front of
appropriate answer or highlight it with any different colour)?
 Yes
No
3. What is the type of medical insurance (Please mark √ in front of appropriate answer
orhighlight it with any different colour)?
 Individual
 Family
4. What is the occupation of person insured (In case policy is of type „Family‟ then
occupation of person who has bought policy)
 Student
 Business
 Government Employee
 Private Employee
Other (Specify)__________________________
5. Are you (member/members covered) medically fit (Please mark √ in front of appropriate
answer or highlight it with any different colour)?
 Yes
90
No
6. Which company‟s medical insurance do you have (Please mark √ in front of appropriate
answer or highlight it with any different colour)?
a) Sahara Care House
b) Apollo Munich
c) Bajaj Allianz
d) HDFC ERGO
e) ICICI Lombard
f) Max Bupa
g) Max New York Life Insurance
h) TATA AIG
i) Reliance General Insurance
j) Royal Sundaram
k) STAR Health
l) Any Other (Please specify)_________________________
7. What is the sum insured (Please mark √ in front of appropriate answer or highlight it with
any different colour)?
a) 1 Lac or Less than 2 Lac,
b) 2 Lac or Less than 3 Lac
c) 3 Lac or Less than 4 Lac
d) 4 Lac or Less than 5 Lac
e) 5 Lac or above 5 Lac
8. How you purchased the policy (Please mark √ in front of appropriate answer or highlight it
with any different colour)?
 Online
91
From Company Agent
9. Why you preferred this company over others (Please mark √ in front of appropriate answer
or highlight it with any different colour)?
a) Company Brand Name/Image
b) Recommended by near and dear one‟s
c) On the basis of market research available online
d) Did self research
e) Agent of the company is your close friend
f) Any Other (Please specify) _______________
10. Which features you look in a policy (Rank on the scale of 1 to 5)?
If you look for any other feature than please specify and rank it:
Features Rank
Coverage Age
92
Waiting Period
Pre-Existing Disease Cover
Pre and Post Hospitalization Expenses Cover
Day Care Procedures Cover
Domiciliary Treatment Cover
Expenses for Organ Donor Transplant
Ambulance Expenses Cover
New Born Baby Cover
Maternity Benefits
Reimbursement other than Network Hospitals
Diseases Excluded
Tax benefit
________________________
________
________________________
________
________________________
________
11. Are you satisfied with the policy?
 Yes
 No
12. Personal Information
93
Name : _________________________________
Address : _________________________________
94
95

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A Summer Training Project report on

A comparative analysis of consumer behavior in relation to health

(With special reference to SAHARA HEALTH CARE)

Submitted in partial fulfillment for the award of the Degree

Under Guidance of: Submitted By:

Global Institute of Information Technology

I Dharmendra kumar Roll no.0915170017, student of MBA third semester, Global

comparative analysis of consumer behavior in relation to health care

MBA IIIrd Sem

Signature of the candidate Signature of the Guide/Supervisor

I am greateful to SAHARA CARE HOUSE for providing me an opportunity to do project on

the topic “A comparative analysis of consumer behavior in relation to health care

Srivastav for helping in successful completion of the project.

SAHARA CARE HOUSE of India, Agra, on the topic of “A comparative analysis of

brands present in market .”

which covers all the aspects of my topic.

confidence and experience knowledge to me for near future.

1. Executive Summary -------------------------------------------------9

2.1 Sahara India Pariwar----------------------------------------------11

4.1 Data Collection---------------------------------------------------22

5.1 Sahara Care House---------------------------------------------28

5.2 Various Plan’s Of Sahara Care House----------------------45

6.1 Vision , Leadership------------------------------------------52A

10. Comparison Chart Of Sahara Care House Plan A&F,D.--67

11. Data Analysis-------------------------------------------------------75

15. Limitations Of The Research------------------------------------88

on “A comparative analysis of consumer behavior in relation to health care

products of SCH with respect to other brands present in the market” of

to Indian consumer’s as they are very much aware of many things.

Consumer Products, Manufacturing, Services & Trading.

Important point about SAHARA INDIA PARIWAR as a company.

clear-to-sky dome of its kind.

and 35 minutes on 5th June 1988 at Amby Vally City.

8- Conducts mass marriage ceremony of 101 underprivileged girls every year.

9- Subrata Roy Sahara is also referred as “Saharasri”.

• Parabanking: Sahara India Financial Corporation Limited is India's largest

product and he automatically becomes a distributor. On recommending the purchase of

products/ services to someone else, he gets a commission on it.

Independent Representative earns an incentive of Rs. 1000/-.

completes his/hers pair in the ratio of 1:1.

need of the Indian people.

Insurance holders respectively.

3. To find out the ratio of occupation of Medical Insurance holders.

4. To find out whether the insured person is medically fit or not.

5. To find out the market share of various medical insurance companies.

Research methodology is away to systematically solve research problem. In it we study the

they mean and indicate and why?

“Research is common parlance refers to a search for knowledge. In

fact research is an act of scientific investigation.”

The project was divided in to the following steps.

To decide the Objective of the study

To decide the sources of data collection

To decide from data collection

To collect and organize data

To prepare the research report

To process and analyze report

1. To decide objective of the Study:-

process. Research problem definition involves specifying the information needed by

management. The main objectives of the study are:

• To Create the Awareness of SAHARA CARE HOUSE, among people.

services offered by SAHARA CARE HOUSE

2. To decide research design & application:-

3. To decide Source of data there are two sources of data

PRIMARY DATA SECONDARY DATA