Pre-meeting brief · Today 11:00 AM

Rohan Sharma

10-minute read in the car. The AI has done the homework — your job is to listen and confirm.

← Back to Today
RS

Rohan Sharma

briefed
HCL Technologies · Software Architect
Gurugram · Sector 47
Income band: ₹35–45L p.a. (proxied)
Current cover
₹5,00,000 via HCL Group Mediclaim
Source
Prudential.in symptom checker → WhatsApp bot
Stage
briefed
Family graph
Household + parents (out of city)
Household
RS
Rohan Sharma
Self · 38y
PS
Priya Sharma
Spouse · 36y
AS
Aarav Sharma
Son · 8y
AS
Ananya Sharma
Daughter · 5y
Mild asthma — inhaled steroids
Parents — Faridabad
VS
Vinod Sharma
Father · 67y
Eye check due — cataract risk flagged
LS
Lakshmi Sharma
Mother · 65y
Touchpoints
5 interactions, last 12 days
  1. 2026-04-15 · Prudential.in
    Searched 'cataract surgery cost Gurugram' on Prudential.in symptom checker
  2. 2026-04-17 · Prudential.in
    Downloaded the Family Floater comparison guide (PDF)
  3. 2026-04-20 · Prudential.in
    Used the procedure-cost calculator for cataract surgery and IOL options
  4. 2026-04-23 · WhatsApp
    Booked a meeting with Neha via Prudential WhatsApp bot
  5. 2026-04-26 · Referral
    Mentioned in chat: 'Anjali Iyer recommended you'
AI Need Analysis

What the customer actually needs

82%

Family of 4 in Gurugram with daughter on chronic paediatric medication and out-of-area parents in Faridabad. Current corporate cover (₹5L via HCL) is below NCR private-hospital floor. Two emotional drivers: paediatric daily-use anxiety and father Vinod's senior-care needs, including cataract and cardiac follow-ups. Likely accept SI ₹15L + senior add-on ₹10L.

Suggested cover
The pitch the AI recommends opening with
₹15,00,000
family floater · sum insured
+ Senior Care Add-on (parents, ₹10L)₹14,000/yr
+ Paediatric OPD rider₹2,400/yr
Premium estimate₹38,000/yr
  • ₹15L floater is the SI floor for NCR private-hospital surgery without proportionate cuts.
  • Senior care add-on is the emotional close — Faridabad parents, eye-care and cardiac follow-up needs.
  • Paediatric OPD rider converts Ananya's recurring asthma OPD bills into zero-claim utility.
Three lines for Rohan

The pitch, tailored

Not the generic deck. The lines the AI thinks will land — with the why behind each.

Health OS for the family

"You're not buying insurance — you're hiring an AI healthcare team for your family."

Why: Ananya's recurring asthma means daily utility (paediatric tele-consults). The family will use this every month.
Two-hour cashless guarantee

"Two-hour cashless guarantee. We pay you ₹500 per hour we're slow."

Why: Father had a cardiac event last year. Emergency anxiety is the single biggest worry.
Price-lock promise

"Your premium tracks medical inflation, not your usage."

Why: Long-tenure HCL employee — values stability and not being penalised for using the policy.
Anticipated objections
With one-line ready responses
"I already have ₹5L cover from HCL — why do I need another policy?"
Say: Corporate cover lapses if you change employers. ₹5L doesn't cover a private-hospital cardiac event in NCR (those run ₹8-12L). Treat ours as insurance against the gap, not a duplicate.
"₹38,000 a year is too much for a young family."
Say: It's ₹3,200/month — less than your gym membership. And the paediatric OPD rider alone saves ~₹15K/year if Ananya has even two attacks. Net cost is half what you think.
"Let me think about it / talk to my wife."
Say: Of course. One ask: don't let it slip past Friday — the senior care add-on has a 9-month waiting period for cardiac, and your father's history means we want the clock running before the next winter.
Compliance & privacy

Meeting recording requires Rohan's explicit consent at the start. The AI co-pilot listens on Neha's device only — audio is not transmitted to Prudential servers. The transcript is stored on-device and used to populate the issuance health declaration if Rohan agrees. He can delete it any time from his Member App.

Briefing reviewed at 10:48 AM · 12 minutes before meeting
Start Meeting