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Non-Tech : pamc

PAMC 46.54

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Nov 5 4:00 PM EST

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To: RON BL who wrote (192)	4/4/1999 9:28:00 PM
From: Steven M. Kaplan	Read Replies (1) of 570

>>Policy Maintenance Process: HealthAxis provides customers with the ability to modify personal data such as address, phone numbers, billing preferences and other information. This tool further empowers the customer with the ability to manage his or her insurance relationship. Policy maintenance is another example of HealthAxis' ability to utilize the functionality of the Internet to lower the cost of selling and servicing health insurance. Billing Process: Customers can select from multiple payment methods including credit card or an automatic debit from their checking account. The traditional "direct bill" (personal check every month) will be available in the future. The web site is fully enabled to process both credit card and monthly debit transactions.Sales and Marketing Insurance Product Offerings: HealthAxis' mission is to offer consumers a select list of affordable insurance products from trusted, reputable vendors which meet HealthAxis' value criteria. These specific product offerings will vary by state based on the availability of product supply, which is generally dictated by the state regulatory environment. The HealthAxis web site utilizes customer zip code information to determine which set of products to offer to a given customer. HealthAxis intends to offer a selection of products supplied by leading insurance carriers. HealthAxis currently offers products of PALHIC and has entered into Carrier Partners agreements with CRLC, Fortis, SLICOA, ALIC and UICI to offer their insurance products online in the future. HealthAxis is committed to offering its customers a choice of products in order to position HealthAxis as a "trusted advisor" rather than a salesperson for a particular product. Product Portfolio: Currently HealthAxis offers the individual health insurance underwritten by PALHIC through its web site. Following the addition of additional carrier partner products, HealthAxis' insurance product portfolio expects to include the following: Individual Health Critical Care College Student Health Small Group Health Long Term Disability Senior Health Prescription Long Term Care Senior Life Vision Dental Short Term Health As HealthAxis increases its product mix, HealthAxis will seek to take advantage of cross-selling opportunities for companion products. Although, these policies are relatively inexpensive, they are important additions to general health coverage. HealthAxis also intends to utilize its data warehouse to identify these customer cross-sale opportunities.<<

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