Professional Documents
Culture Documents
Submitted By:
Submitted To:
Session 2011-13
ACKNOWLEDEMENT
project study is successful not only by the single efforts of trainee alone but there are
several people who are helpful in making training a completed job done for a specific
purpose. It is a matter of great privilege and immense pleasure to be associated with
an esteemed organization like RELIANCE General insurance.
Also acknowledging the work and help of all those who have guided us for the
completion of the project on time is indeed a duty of ours knowledge the fact that no
words can measure their guidance to any extent.
Like wise in completion of my summer training I would like to thanks many
authorities and personalities upon whose guidance and sincere cooperation.
I made myself to finish and complete the summer training schedule with grace and
confidence.
First of all, I would like to pay my sincere and honest regard to Mr. Anil Sharma,
Sales MANAGER under whom I have done my training and who aspired me through
the training with his skills and knowledge and inculcated in me to face the challenges
of the market with confidence.
Secondly, I also dedicated my warm thanks to Mrs. Jyotsana Khandelwal, H.O.D.,
MBA, Department, Apex Inst. Of Management & Science, Mansarovar and all the
staff members and my colleagues during the summer training who didnt let me down
rather inspired me all the time performing the best.
PREFACE
Training is the essential part of the professional studies without practical training is in
vain. Practical training forms an integral component of any professional course like MBA.
The MBA faces and tackles live problems in the industries and the field the institute where
one person pursues his studies can not provide him that practical knowledge on all aspects of
learning often the studies of a subject is said to be incomplete until the student has been
expose to his practical the theoretical studies build manager in him by providing pools of
knowledge whereas the practical applications make him the principles and policies the
practical exposes tells him how to use these principles.
In the Indian insurance companies, RELAINCE GENERAL INSURANCE & BAJAJ
ALLIANZ insurance is the most private insurance company among them. BAJAJ ALLIANZ
also commences operation in the post liberalization era and we would be honored to say that
it is going to push up the growth of core sector of Indian industry and infrastructure.
Our area of work was TO SIGNIFY THE PERFORMANCE OF GENERAL
INSURANNCE with comparison to BAJAJ ALLIANZ & TATA AIG player on the private
insurance sector on the basis of the service offered, level of satisfaction, facility availed by
customer and at the same time to create awareness among the people.
With the feedback that we gathered from customers we tried to provide some fruitful
outcomes and relevant information that would necessarily be beneficial to the utmost
important for the organization.
We hope that the job undertaken in summer training and the suggestion given by us would
prove to be a useful source of information for the RELAINCE GENERAL insurance in
achieving its growth in the future as now and would facilitate its growth.
Sr.
Contents
no.
1
Page
No.
Introduction to industry
Introduction to Company
5-28
Research Methodology:
29-42
S.W.O.T. Analysis
Recommendation Suggestion &
Conclusion
7. Bibliography & Wibliography
8. Questionnaire
43-54
55
59-61
62
63-66
INTRODUCTION
Reliance general insurance is one of the leading private general
insurance companies of India, in the present times. It was amongst the
first companies to apply for, and obtain, a license for insurance
business, after the liberalization of insurance sector,in 2000. The
company continued to growth with the passing time, widening the
scope of its insurance policies. Today, it offers over 94 customized
insurance products catering to need of the corporate, SME and
individual customers. Reliance general insurance also boasts of being
the first insurance company in India to be awarded the ISO 9001:2000
certification across all functions, processes, products and location panIndia.
Company Profile:
Diversification
Over time Dhirubhai diversified his business with the core specialization being in
petrochemicals and additional interest in telecommunications, information
technology, energy, power, retail, textiles, infrastructure services, capital markets
Reliance Capital
Reliance
Reliance
General
Mutual fund Insurance
Mutual Fund
Insurance
Reliance
Life
Insurance
Reliance
Reliance
Consum
Money er Finance
India, ensure sustained value addition to all stake holders and to uphold Corporate
Value & Corporate Governance.
Goals
insurance, we can get almost all types of individual policies with reliance, that too as
the premium rate. Apart from that, the company also caters to corporate and SME
clients, providing end to end insurance solutions. The product basket includes fire,
engineering, liability, marine, travel and other types of insurance, for organization risk
management.
10
11
Quality
At Reliance General Insurance, we identify Quality and Customer-focus as our
key strategic initiatives. Our Quality roadmap, strictly aligned with our business
priorities, is benchmarked to the best contemporary global practices, and is designed
12
in
line
with
'IRDA
regulations'
What does the ISO 9001: 2000 certification mean to our Customer?
Streamlined processes and procedures
Reliance General Insurance has established well-defined and documented
process and to help understand our Customers requirements and address them
to their satisfaction.
13
Operations
To achieve business success by improving operational efficiencies, Reliance General
Insurance realizes the need to tighten up and streamline both channel partner
relationships and back office operations. The brokers and channel partners are the
interface to end customers. They play a vital role in helping sustain existing customers
as well as attract new customers through better and diverse services. So it is
imperative that we are well connected with brokers / channels partners as well as meet
their needs. Improvement in back office operations can happen if policy production
and billing are automated; overall claims expenses are reduced, and claims settlement
is made faster.
To be successful at doing this, we need to nurture both parts of the solution
equation, that is, creation of solution-oriented strategy and deployment of solutionbased scalable technology that enables meeting of strategic goals laid out as part of
our enterprise strategy. In the current scenario many insurers either rely on manual
methods or custom coded solutions that lack strategic approach to address their
business needs. Manual execution of their crucial operations leads to many errors that
occur in documents passed from insurers to brokers or ceding companies to
reinsurers, which results in lengthy settlement cycles. While custom coded interfaces
are developed to meet a certain set of needs only. They are not scalable so cannot
meet changing needs and require recurring IT investment to keep them in use.
Reliance General Insurance Co. Ltd is in the process of rolling out a 'Centrally
controlled, decentralized delivery' operations structure to ensure speedy processing
and service while maintaining predictable and strict quality control. A solution is also
being developed to offer strategic value through systematic design and deployment of
BPM and integration technologies. The solution will address volatile situations, and
shall be a scalable and reusable solution. It would help meet the challenge of
operational costs saving while enabling us to exploit business expansion opportunities
14
Technology
The IT strategy aims to integrate the business and IT visions and has been an
important instrument in facilitating the dialogue between the IT community and the
business leaders across the Company. The importance of planning, in this fast-paced
environment, has never been more critical. The technical and business segments have
worked closely to identify the impact of external drivers, clarify the business needs,
and ultimately determine how IT can best help in achieving the business goals. Our
Customers form the centre piece of the business architecture and rightly so, be the
focal point from a technology perspective as well. Our Endeavour shall be to provide
easy, consistent and instant access of relevant information to customers across
multiple channels and touch points. All our technology initiatives shall be geared
towards this objective.
The Company recognizes that the security of information requires an ongoing
commitment. Towards this end a security program would provide a continuous cycle
for assessing risk, developing and implementing effective security procedures, and
monitoring the effectiveness of those procedures. We want to guarantee the reliability,
confidentiality and availability of critical information. To that end, we will continue
implementation of our strategy for enhancing information security management
controls. We are in a challenging environment, dealing with all the changes in
technology, the insurance industry, the IRDA regulations and the workplace. The
expectations of what information technology (IT) can do to benefit the business and
its customers continue to grow. We've been working hard to provide day-to-day IT
services, while keeping our eye on where the Company is headed strategically, and
also transforming the IT organization to meet future requirements.
Meaning of Risk / Insurance
Insurance is a contract whereby, in return for the payment of premium by the insured,
the insurers pay the financial losses suffered by the insured as a result of the
occurrence of unforeseen events. The term "risk" is used to describe all the accidental
happenings, which produce a monetary loss.
15
The risk becomes insurable if the following requirements are complied with:
16
Harmony
Reliance Communications
17
18
HEALTH
Reliance Health Wise
Access to quality healthcare is a necessity today. The Reliance Health Wise Policy
ensures you provide the best medical care to your family. We offer a health insurance
policy that gives you the optimum value for money without compromising on the
quality of medical attention.
Reliance Individual Medi claim Insurance Policy
Your family deserves the best especially when it comes to medical care. With medical
expenses shooting sky high, Reliance Mediclaim Insurance Policy helps you meet
hospitalization costs. We free you from financial worries so that you can give your
full attention to your loved ones.
MOTOR
Reliance Two Wheeler Insurance Policy
Two wheelers are convenient and exuberant. With the many advanced features added
in, today's two wheelers are safe too. However, the possibility of damage to your pride
and joy exist by way of theft, natural calamities and accidents. Ensure your peace of
mind with Reliance Two Wheeler Insurance Policy. It gives you comprehensive cover
for your vehicle.
HOME
Reliance Home Protect Policy
Your home is probably your most valuable asset, both as an investment and as your
sanctuary in a hectic world. You need to protect it from harm. Reliance Home Protect
Policy offers quality, basic coverage with many standard features, plus a full array of
coverage options to enhance your protection
Reliance Householders' Package Policy
Your home is the place where you feel most secure. It protects from outside elements
and keeps the family bound together. To secure it, you need comprehensive coverage
offered by Reliance Householders' Package Policy that is tailored to your individual
home and possessions.
Travel
Reliance Travel Care Insurance Policy for Individuals and Families
Are you planning a trip to Disneyland with your family or a romantic tour of the
classics in Europe? Reliance Travel Care gives you comprehensive cover for you and
your family when you globe trot. Travel Care goes beyond just health insurance and
provides you with a wide range of travel related covers to make your trip stress-free.
Reliance Travel Care Insurance Policy for Students
If you are planning on an international education, you need to have health insurance
cover that meets the norms of the university. Reliance Travel Care offers you a plan
especially designed for student life abroad. We value your dreams and aspirations and
we will be glad to assist you in realizing them.
20
ACCIDENT COVER
21
PACKAGE POLICY
Your office which is the place of your professional success has been built with much
of your time and money. However, it is constantly exposed to various kinds of risks.
An unfortunate occurrence might disrupt the customary functioning of it, bringing a
huge financial burden to your business and on you. Although you cannot guard your
business from all possible risks, but with the Reliance Office Package Policy, you can
choose those risks which you want to protect your office against and also determine
the extent of cover against each risk.
Your enterprise means the whole world to you. You direct all your efforts in securing
the business against any undesirable misfortune. Reliance Commercial Care Policy
furthers this Endeavour and protects your business against various perils and risks
which it might be exposed to, making sure that you can focus your efforts where it is
needed the most the running of the business.
22
Miscellaneous Policies
23
24
25
As we all know that the Indian insurance system has its roots in the nineteenth
century. Before 1973 prior to nationalization of general insurance companies,
insurance was concentrated mainly among private hands. It was clear that a better
insurance system was needed to promote the economic goals of the new Indian state.
According to experts in insurance there has been a substantial growth in the
distribution of insurance branches and size. After nationalization, there was also a
change in recruitment policy. However due to the advancement in technology there
was introduction of computer in every field but insurance in India did not, however,
introduce computers on a large scale because of the fear that these would result in
retrenchment and unemployment.
For a long time Indian insurance companies faced very little competition and
operated in a protected economy. But after 1999 market for insurance products and
services has become more competitive than ever before because of the entry of big
private insurance companies.
Now due to the increase in competition the private and public sector insurance
companies had to broaden the horizon of their products and services to meet their
demand and fulfill their need through better facilities.
To fulfill the need of their customer the insurance companies has to be accelerate
in the country.
26
28
There are huge investments made when it comes to business. Investments are
made for office premises, equipment's, human resources and other infrastructural
facilities. Our trade or business on which so much of our time and money have been
spent to build up is constantly exposed to various kinds of risks. Some unfortunate
occurrence might bring a huge financial burden to our business and to us. Although
we cannot guard our business from all possible risks, we can take steps to tide over
such unexpected events.
The Office Package Policy is a comprehensive insurance policy, specially
designed to provide protection to our Office against different kinds of risks and perils.
By opting for this single policy, the office owner covers those risks which his business
is likely to encounter while concentrating on his business activity. This policy is
suitable for large offices owned by big companies as well as small and medium sized
offices like Travel Agencies, Professionals like Chartered Accountants, Consultants,
Architects, Interior Decorators, Engineers or any other service provider
Features:*Fire and Allied Perils
*Burglary and House Breaking.
*Mechanical and Electrical Appliances.
*Electronic Appliances.
*Money Insurance.
*Fixed Glass and Sanitary Fittings.
*Baggage.
*Neon Sign/Glow sign/Hoarding.
*Personal Accident.
*Infidelity/Dishonesty of Employees.
*Legal Liability.
*Additional Rent for Alternative Accommodation.
*Tenants Legal Liability etc
3-SHOPKEEPERS POLICY
29
30
Research:
Research Design:
The researcher will be required to prepare a research design i.e. he will have to
state the conceptual structure within which research would be conducted. The
function of research design is to provide for the collection of relevant evidence
with minimum expenditure of effort, time and money.
Diagnostic design
Experimental design
The research design, which researcher used for this project is the descriptive one.
Descriptive research
Descriptive research includes surveys and fact finding enquiries of different
kinds. The major purpose of descriptive research is description of the state of affairs
as it exists at present. In social science and business research we quit often use the
term ex post facto research for descriptive research studies. The main characteristics
of this method are that the researcher has no control over the variables. He can only
report what has happened or what is happening. Most ex facto research projects are
used for descriptive studies in which the researcher seeks to measure such item as for
example frequency of shopping, preference of people, or similar data.
Sample Design:
A sample design is definite plan for obtaining a sample from a given population. It
refers to the technique or the procedure the researcher would adopt in selecting
items
for the sample. Sample design is determined before data is collected.
32
( i ) Type of universe:
The universe can be finite or infinite. In finite universe the number of items is
certain like population of city, workers in factory etc. in case of infinite universe
the number of items is infinite like stars in sky, listeners of radio programmed etc.
In this research, universe of sampling is Offices, Homes & Shop Owners of Patna
( ii ) Sampling unit:
Sampling unit may be Geographical one such as State, District, Village etc., or a
Construction unit such as House, Flat etc., or it may be Social unit such as Family,
Club, School etc.
In this research sampling unit is Geographical as well as Social.
Non-probability sampling
(Judgment sampling)
Samples can be either probability samples or non-probability samples. With
probability samples each element has a known probability of being included in the
sample but the non-probability samples do not allow the researcher to determine this
probability.
Non probability samples are those based on convenience sampling, judgment
sampling and quota sampling techniques.
Judgment sampling the researchers judgment is used for selecting items which
he considers as representative of the population.
Data sources:
There are two types of data:
1. Primary Data
2. Secondary Data
Primary Data:
The primary data are those which are collected afresh and for the first time, and
34
Secondary Data:
The secondary data, on the other hand, are those which have already been
collected by someone else and which have already been passed through the
statistical purpose. It is also called the Historical data.
Research is totally based on primary data. Secondary data is used only for the
reference. Research has been done by primary data collection, and primary data
has been collected by interacting with various people and taking the feedback by
Questionnaires. Secondary data are used for the theoretical and statistical part of
the project.
The secondary data has been collected through various sources like:
Company manuals & Records.
Magazines and publications.
Website on internet.
Interacting with the employers of the company.
Type of Questions
: Structure
35
BAJAJ
ALLIANZ
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
7,Baggage
YES
YES
8,Personal Accident
YES
YES
9,Legal Liability
(A)WC
(B)Third party
10,Television
Sets
YES
YES
YES
YES
NO
NO
NO
NO
BAJAJ
ALLIANZ
.50
1.5
2.25
10
10
2.5
2.25
10
10
10
10
7,Baggage
7.5
7.5
As per tariff
As per tariff
9,Legal Liability
0.5
0.5
10,Television
Sets
10
2.25
______
_____
8,Personal Accident
______
_____
FEATURES
Sections & sub-sections/Company name
RELIANCE
YES
BAJAJ
ALLIANZ
YES
YES
YES
YES
YES
4,Electronic
Equipments
YES
YES
YES
YES
6,Baggage
YES
YES
7,Money Insurance
YES
YES
8,Personal Accident
YES
YES
9,Legal Liability
(A)WC
(B)Third party
10,Infidelity/Dishonesty of
employees
11,Neon Sign and Glow sign
YES
YES
YESS
YES
YES
NO
12,Business Interruption
NO
NO
NO
NO
14,Cost of Re-instatement of
data
NO
NO
38
NO
NO
NO
NO
17,Alternative
Accommodation
YES
NO
18,Hospital Cash
NO
YES
BAJAJ
ALLIANZ
As per tariff
1.5
2.75
15
4,Electronic
Equipments
10
10
10
10
6,Baggage
10
10
7,Money Insurance
1.5
8,Personal Accident
1.5
As per tariff
5+10/staff
10
10
____
12,Business Interruption
____
____
____
____
14.Cost of Re-instatement of
data
____
____
9,Legal Liability
10,Fidelity Guarantee
11,Neon Sign and Glow sign
40
____
____
16.Loss of Rent.
____
____
17,Alternative
Accommodation
0.50
____
18,Hospital Cash
____
As per tariff
YES
BAJAJ
ALLIANZ
YES
YES
YES
YES
YES
YES
YES
YES
YES
6,Baggage
YES
NO
7,Money Insurance
YES
YES
8,Personal Accident
YES
YES
9,Legal Liability
(A)WC
(B)Third party
10,Infidelity/ Dishonesty of
Employees
11,Neon Sign and Glow sign
YES
YES
YES
YES
YES
YES
12,Business Interruption
NO
YES
BAJAJ
ALLIANZ
2.25
2,Burglary and
Housebreaking
2.25
2.5
10
10
6,Baggage
7,Money Insurance
1.5
8,Personal Accident
0.45
As per tariff
9,Legal Liability
(A)WC
(B)Third party
10,Infidelity/ Dishonesty of
Employees
0.5
0.5
10
10
10
10
12,Business Interruption
10
____
____
OTHER COMPETITORS
43
2.25
IFCO - TOKIO
NATIONAL
INSURANCE
THE ORIENTAL
INSURANCE
Always
No. Of Customers
(60)
18
Sometime
10
16.66
Never
12
20
20
33.33
30
INTERPITATION
33.33 % of respondents said that the insurance of household depends on
product.
30% of respondents said that insurance is always essential for house.
20 % of respondents said that there is no need of Insurance for house.
16.66 % of respondents said that insurance is necessary, but some time.
45
RELIANCE
GENERAL INSURANCE
BAJAJ ALLIANZ
OTHERS
Percentage (%)
22
36.66
18
30
20
33.33
INTERPITATION
36.66 % of respondents like Reliance General Insurance for household
Policy.
33.33% of respondents like other insurance company.
30 % of respondents like Bajaj Allianz for household Policy.
Premium
No. Of
Customers (60)
14
Percentage (%)
23.33
Facilities
21
35
Companys
Profile
Other
18
30
11.66
INTERPITATION
35 % of respondents select their Insurance Company on the basis of
Facilities.
30 % of respondents select their Insurance Company on the basis of
Companys Profile.
23.33 % of respondents select their Insurance Company on the basis of
Premium.
11.66% of respondents select their insurance company on the basis of other
reasons.
47
No. Of
Customers (60)
42
No
Dont know
12
Percentage (%)
70
10
20
INTERPITATION
70 % of respondents think that legal liability is necessary.
10% of respondents think that legal liability is not necessary.
20% of respondents dont know about legal liability.
48
No. Of
Customer (60)
26
Percentage (%)
43.33
Sometime
12
20
Never
6.66
18
30
Depends upon
Product
INTERPITATION
43.33% of respondents said that insurance is always essential for Office.
49
RELIANCE
GENERAL
INSURANCE
BAJAJ
ALLIANZ
OTHERS
No. Of
Customer (60)
18
Percentage (%)
30
19
31.66
23
38.33
INTERPITATION
Premium
No. Of
Customer (60)
16
Percentage (%)
26.66
Facilities
22
36.66
Companys
Profile
Other
14
23.33
13.33
INTERPITATION
36.66 % of respondents select theirinsurance company on the basis of
facilities.
26.66 % of respondents select their insurance company on the basis of
Premium..
23.33 % of respondents select their insurance company on the basis of
Companys Profile
13.33% of respondents select their insurance company on the basis of other
reasons.
insurance?
No. Of Customers
(60)
Percentage (%)
Yes
35
58.33
No
20
33.33
Dont know
8.33
INTERPITATION
No. Of
Customer (60)
33
Percentage (%)
55
Sometime
09
15
Never
06
10
12
20
Depends upon
Product
INTERPITATION
55% of respondents said that insurance is always essential for their shop.
20 % of respondents said that insurance isdepends on product.
15 % of respondentssaid that insurance is important, but some time.
10% of respondents said that insurance is not necessary.
most?
RELIANCE GENERAL
INSURANCE
BAJAJ ALLIANZ
No. Of
Customer (60)
16
OTHERS
Percentage (%)
26.66
12
20
32
53.33
INTERPITATION
26.66 % of respondents like Reliance general insurance.
20 % of respondents like Bajaj Allianz.
53.33 % of respondents like Other Insurance Companies.
Percentage (%)
Premium
18
30
Facilities
23
38.33
Companys Profile
15
25
Other
04
6.66
INTERPITATION
38.33 % of respondents select their Insurance Company on the basis of
facilities.
30 % of respondents select their Insurance Company on the basis Premium.
25 % of respondents select their Insurance Company on the basis of
Companys profile.
6.66% of respondents select their insurance company on the basis of other
reasons.
Yes
No. Of Customers
(60)
40
Percentage (%)
75
No
10
25
Dont know
10
10
INTERPITATION
66.66 % of respondents think that legal liability is necessary.
16.66 % of respondents think that legal liabilityis not necessary.
16.66% of respondent dont know about legal liability.
SWOT ANALYSIS
56
Strength
57
Weakness
Opportunity
Threat
1.
FINDING
58
It was found that reliance general insurance capture largest market share in
households policy(36.66%) and 26.66% in shopkeepers policy.
It was found that neon sign and glow shine like some features only provided
by reliance general insurance.
It was found that in shop keepers policy reliance general insurance provided
cheapest premium.
It was found that most of the customers consider company profile and
different policies, before taking insurance.
59
LIMITATION OF THE PROJECT
Only three package policies were taken into consideration while conducting
the market research of RGICL and its competitors. This was due to limitation
of time allotted for the study.
The non disclosure of some vital information which could have been of some
CONCLUSION
60
Service with a promise: Todays insurance customer will settle for nothing,
except the better service with a broad promise. And then they will realize that they are
the king. They will not confine themselves with the world class products and services
but they also need a broad platform where they can make different choices. Their
choice of one entity over another insurance company is determined by considerations
of service quality rather than any other factor. They want competitive premium rates,
yes, but them also wants their claim or renewal applications etc to be processed in
double-quick time. They cherish the convenience of impersonal Net insurance, yes,
but during their occasional visits to the branch, they also want the comfort of
personalized, human interactions and facilities that make their insurance experience
pleasurable. But they also needs that their grievances should be settling as soon as
possible. In short, they want a security house that will more than just issue the policy
and settles their claims: they want an insurance that cares and for more than just their
custom. They want a customer-friendly insurance company.
61
SUGGETION
Service Quality
This is the main factor which makes a insurance company customer-friendly: its
overall service standards, rated for ease of proposal form; how courteous, accessible
and knowledgeable its staff are; claim settlement time for services; how innovative
the insurance company is in introducing products and services; how quickly it handles
the grievances; how likely it is to retain customers; and how probable it is that its
customers will recommend the insurance company to others.
Branch Facilities
Walk into any branch of a multinational or leading Indian insurance company, and
youll believe youre in a country club. Many other insurance companies, of course,
have miles to go in this sphere, but theres a growing realizations among them that
offering a pleasant insurance experience with comfortable seating, air-conditioning,
restroom and drinking water facilities.
Market Potential
62
INSURANCE to grow. The large and growing middle class population and increase in
disposable incomes have created booming markets in housing, motor, televisions,
computers, mobile phones and other products, most of which require insurance.
RELIANCE GENERAL INSURANCE has been effective in leveraging this
opportunity with its product and service offerings.
63
www.reliancegeneral.co.in
www.bajajallianz.com
www.economictimes.com
http://en.wikipedia.org/wiki/Reliance_general_insurance
www.paisawaisa.com/insurance/reliance-general/reliance-generalinsurance.aspx -
Economic Times
Business Indias
Business Standard
3. Books
64
Questionnaire
Dear sir/ madam,
This questionnaire is aimed at understanding your satisfaction. Your response will
be deals with strict confidentiality and it will be used only for academic purpose.
Thank you for spending your valuable time to fill this questionnaire.
Name: ____________________________________________________________
Address: __________________________________________________________
__________________________________________________________________
Contact No: Mobile_________________________Resi:_____________________
Marital Status: Single
Married
65
For Office
1. Do you think that it is important to have insurance?
a) Always
b) Some time
c) Never
d) Depend on
product
2. Which insurance company does you like most?
d) Reliance general
Insurance
e) Bajaj Allianz
f)
Other
66
Other
67
68