Dr. Insurance

A young employee of HAL (Hindustan Aircraft Ltd.) in Bangalore was fascinated by the crimson colored BSA motor bike standing in front of the factory and glistening in the warm morning sun. He went to the bike, touched it with awe and reverence to get a feel of it. Motor bikes were rare and a luxury during the war time in the early forties. The owner of the bike, on seeing this from a distance, approached him and after letting the young man get a feel of the machine, gently asked, "liked it ?". "Of course" was the reply. "Then you too can have one, if you so desire".

Thats how one inspector of a foreign insurance company sold an agency to Mr. P K Thyagarajan. PK resigned his job and took up insurance agency with Ocean Accident & Guarantee Corp, which later merged into the Commercial Union Insurance Co. He took up a Life agency with Gresham Life Assurance Society and soon became the Chief Agent for Gresham & Commercial Union in Bangalore. By early fifties, he was the Local Manager for both the companies.

He drafted both his son and daughter-in-law into the insurance business and pronounced his vision that the client should get the service no matter when he needed it, what his requirements were and where he was present. Insurance companies came and went, officials changed at regular intervals, generations passed by but the clients who bought policies did receive the same quality of service.
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One of Dr. Inusrances core values is maintaining a client focus, always. Recognising the unique needs of different client groups, the professionals at Dr. Insurance specialise by product and client industry. By accurately listening to its clients and working with them as a partner, Dr. Insurance can best develop solutions that work immaculately with their business. Only in this manner can Dr. Insurance help clients uncover and mitigate risks, so they can continue to operate as an ongoing success and pursue their "vision".

The second core value of Dr. Insurance is its unwavering commitment to professional integrity, ethics, honesty and fair dealing. We value integrity from both ethical and professional perspectives.

• From the ethical perspective, we adhere to the highest standard of conduct by carrying out our work in an objective and unbiased manner, and by demonstrating respect for those with whom we interact.
• From the professional perspective, we strive to assure accuracy, high technical quality, competence of our staff and consultants and excellent customer service.

Our third core value is innovation. Dr. Insurance builds on its strength and success by providing creative and resourceful contemporary solutions for its clients. The agility of our team ensures its commitment to innovation and advances its development in the provision of risk management and product delivery in this fast changing business climate.

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Insurance expertise is getting scarcer in these days of insurance being commoditized. For the campus recruited MBA, insurance is a not a life-time profession, it is just a stop-over to move on in the financial services market. So the next time you meet a smartly dressed sales person, ask if he / she has a formal insurance qualification (FIII / AIII). If they have, go ahead, for they would know what they are selling.

The Consultants, at Dr. Insurance, bring deep insurance domain knowledge and enormous hands-on experience to the job. They have the highest professional and insurance qualifications to understand your insurance needs. They bring to the table a combined experience of over 160 years to ensure that you get high quality advice on the right and complete insurance coverage.

2. Bespoke solutions :

We believe that each of our Corporate clients is unique and hence their insurance needs require customized solutions. We do not believe in a one-size-fits-all approach to providing insurance solutions. More often, new customers feel that we are asking for too much of info. The truth is, we need as much info as possible to understand the intricate nature of the risk and arrange comprehensive coverage so that there is no room for a surprise when a loss takes place.

3. Pricing Advantage :

We enjoy special relationships with many insurance companies because of our long association with them. As a direct result, we get special rates which bring down your insurance premiums. To be sure, we never compromise on your coverage for the sake of bringing down the price.

4. Horses for courses approach :

Today, no single insurer can claim to be strong in all products. Insurance buying is not just about getting a great price. Its about knowing which insurer understands the specific risk better, who has the capability to respond when a misfortune strikes you or your business and who can ensure that your claim is processed without hassles. We have our ears planted to the ground, so we know who has the best hospital tie-ups for health insurance, who has the best garage tie-ups for cash-less car claims and who will drive you up the pole should you make a property claim tomorrow. The suave customer of today doesn't mind if his health insurance is with one insurer, the accident insurance with another and the life insurance with a third insurer.

5. Flexibility :

Flexibility remains a key to our success and standing in the market, not just through the products and services that we offer but also in our relationships with the clients. Our founder Late Mr. Thyagarajan's vision that "the client should get the service no matter when he needs it, what his requirements are and where he is present" is Bible to us. Whether you connect with us on phone or through email, our teams is dedicated to providing you with a hands-on service of the highest quality.

6. Assurance :

In this dynamic market, where people change professions very often, where it is not unusual to see an employee hopping two insurance companies in a year and when the address and the telephone numbers of even insurance companies change, it is reassuring to find your consultant to have the same address and telephone number for 60 years. What has also not changed is our dedication to the consultancy profession and the commitment to our clients. This gives unalloyed assurance to our clients that should they meet with a misfortune, they know who will respond and guide them out of the crisis.

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