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Difference between AICL & Others

Few Highlights You may think About-
  • These agents and representatives are collecting more premiums than the normal one that a doctor uses and pays. This is with the sole motive of taking away with good incentive/commission.
  • These agents have zero experience and No Background of covering and contesting doctor’s day to day issues and problems.
  • They don't have any infrastructure or Pan India offices to handle your crisis.
  • They are taking Premiums in The Name of Insurance Companies and have no Legal Liability in case of default.
  • Legally you are paying a premium to the Insurance company and the Insurance company is liable to give you all the promised services in the event of Crisis. Do You Take This Statement Seriously?
  • These Agents/representatives don't give you any access to their expertise simply because they don't have one. They are merely confusing you for their commission.
  • They are approaching Associations for bulk Money and Business with Zero guarantee of dedicated doorstep 24 hours services.
  • And if you believe Insurance companies will give you the services and required compensation then read the facts minutely. Insurance Companies in India are having thousands of cases pending against them of non-payment of even valid claims
  • Premiums collected in bulk normally go to one office may be thousands of kilometers away from the insured's place and they are assured that services will be given by the local branch. Although this never happens and no local office of an Insurance company entertain cases and claims . Medical professionals will be left in confusion and inconvenience where they themselves have to do everything and will have to depend on Insurance companies for reimbursement. All these steps are troublesome and frustrating.
  • They themselves are writing that they will pay the defense cost. This means the policy issued is not cashless. The medical professional has to arrange everything themselves.
Few Practical Challenges-
  • Apex is the only Risk Management Company which gives a Doctor/Hospital all-round coverage from Professional to Personal. Compare our Services from those who are giving any option.
  • Apex has more than 20 globally acclaimed Medico-legal experts to help a doctor 24x7 practically. They are available round the clock for any consultation, services, and emergencies. Ask any agent to connect you to any 5 Experts, with their credentials and practical experiences.
  • Apex has a 99% winning ratio with more than 20 thousand active cases in which we are serving the medical fraternity with our expertise. Ask the agent to provide at least 500 cases to win your belief that they are serving the fraternity well.
  • Apex has Pan India infrastructure and physical manpower to attend a Doctor in Crisis. Ask the agent to present you with 10 guys who are employed to give you a doorstep presence.
  • Apex has revolutionary ways to keep itself connected with its members, like App, Medico-legal Monthly Bulletins and Workshops. Ask the agent to give a single source of Connectivity Infrastructure or any Workshops/meetings conducted.
  • Apex has more than 2000 legal experts of repute to give you uninterrupted cashless services. Ask the Agent to give the list of their registered lawyers whom you will not pay and they will pay in crisis.
  • Apex doesn't ask for any capping over the fees and expenses of the Medical or Professional/Personal crisis. Maybe it is Consumer, Civil, Criminal, Any Acts, Emergency handling, MCI or even Municipal problems. Since the Agents offering you discounts don't have their manpower anywhere, Will they pay you whatever bill you are raising to them?
  • Apex is a risk management company selling its services so we are legally liable with an underwritten guarantee to take care of our Members and can't escape. But is it the same with these Agents? They are proposing you with XYZ Company policy, taking money in their name and assuring you of the services where Practically they are nowhere bound legally and even in Crisis you can't even take them to the court.
  • Apex has One number solution to connect in an emergency and doctors access the world-class experts instantly. The discount Agents need to answer the instant accessibility measures available with them.
  • Apart from the driving pleasure, the most important aspect of any Vehicle is the Safety Standards & Brand. A pickup or Goods Van despite having storage and lower pricing can't substitute a Car. Risk management is all about safeguarding your professional and personal growth and a discounted Policy Paper can't substitute your real safety requirements.
  • Apex has featured in worldwide Business magazines including FORBES for its unique services and commitment. In 2019-2020, alone we have been awarded by more than 10 national & International awards. World business Inc. is studying our model and success story & we are really indebted to our 1 Lac doctors members for their trust and support. Should we say more? Please ask any Discounted agents or Companies to show their credentials and testimonials.
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