Virtual Relationship Manager - Health Insurance

The Virtual Relationship Manager (VRM) will engage with prospects who have shown interest in health insurance products, understand their coverage needs, and provide unbiased, advisory-led guidance to help them choose the right plan. This is a consultative sales role where the focus is on building trust and clarity for the customer. Key Responsibilities: - Connect with users who have shown interest in insurance to understand their health insurance needs, existing coverage, and family composition. - Conduct a needs-based review, flag gaps in existing cover, and recommend suitable individual or family floater plans. - Explain policy features, exclusions, waiting periods, claim processes, and premium structures clearly and accurately. - Guide prospects through the online purchase journey, including quote selection, proposal form, medical disclosures, and payment. - Ensure all advice is compliant with IRDAI guidelines on advisory conduct and disclosure norms. - Log every interaction, recommendation, and outcome accurately in the CRM. - Meet defined targets on conversion, average handling time, and customer satisfaction (CSAT). - Stay updated on product changes across insurer partners. Required Skills: - Minimum 1 year of experience in insurance advisory or telesales, preferably in health insurance. - Strong communication and consultative skills. - Proficiency in an additional Regional Indian language is a plus. - Genuine customer-first orientation with the ability to explain complex policy terms in simple language.