MAM
Ajay Kakar takes over as country head of Ogilvy PR
NEW DELHI: Ajay Kakar has been appointed as the country head of Ogilvy Public Relations. Kakar, who will also continue to be the executive director and head of finance practice, O&M India, was previously involved with one of the core practices of Ogilvy PR.
He succeeds Mahnaz Curmally, who retired after being involved with Ogilvy PR for a decade. “I have just taken over as the country head of Ogilvy PR, though I was partnering the consultancy for the last few months. I was previously involved with one of five core practices of Ogilvy PR, in corporate and finance. Now I would be responsible for the entire operations, which would be an additional responsibility,” said Kakar.
Ogilvy PR Worldwide chief executive Asia Pacific, Mathew Anderson said, “Ajay brings rare experience; he is a valued counselor to top executives, he understands PR within a broad framework of communications and he is a caring leader of people. His decision to take on the leadership of PR reflects how PR will develop as a specialist function.”
“In addition to our offices in India, we have an office in Colombo. Ajay’s main focus will be on India,” answered Anderson, in reply to operations in southern part of Asia.
On the Indian operations, he added, “In terms of potential, India will benefit enormously from more systematic linkages to our centres of excellence around the region and world. Combining unique aspects of India, with the latest thinking in such areas as brand protection, senior executive coaching, CSR and public affairs will make India one of the
world’s most interesting markets for PR.”
Anderson feels that there is also a substantial market for working with headquarters of multinationals outside India and helping them with the lifecycle of communications needs as their commitments to India grows.
“On the domestic side, one factor we have been paying attention to is the fact that the cost of capital for Indian companies has dropped significantly. This will propel more investment in production and in expansion outside of India. Both of these factors will create demand for higher end corporate positioning,” concluded Anderson.
When you plan to buy medical insurance for your family, the first question is often about savings. You may assume that buying online automatically means paying less, but that is only part of the picture. The real issue is not just whether the premium looks lower, but whether the policy gives you suitable family health insurance without adding avoidable costs later.
Buying online can sometimes appear more budget-friendly because you can compare plans, review features, and complete the process without depending entirely on offline assistance.
Still, a lower visible price does not always mean better value. To understand whether you can truly save more, you need to look at the full buying experience and the policy terms together.
Why Online Purchase Can Look More Economical
When you explore family health insurance online, you usually get access to plan details in a more direct and organised way. This can make the buying journey feel simpler and more transparent.
A few reasons online purchases may seem cost-effective include:
● Easier comparison of policy features
● Direct access to premium details
● The ability to review inclusions and exclusions at your own pace
● Fewer chances of making a rushed decision
● More control over the plan selection process
This does not mean every online option is automatically cheaper. It simply means the online route may help you assess choices more carefully, and that itself can influence how much value you get from the policy you choose.
Saving Money is Not Only About a Lower Premium
A lower premium often catches your attention first, but that should not be the only measure of savings. If you buy medical insurance based only on what looks affordable at the start, you may overlook conditions that matter later.
A family health insurance policy should be judged on overall value, including:
● The scope of cover
● Waiting period terms
● Exclusions
● Room eligibility conditions
● Sub-limits, if any
● Claim-related terms
● Renewal conditions
If the premium is lower but the policy has stricter internal conditions, the apparent saving may not feel meaningful when you actually need hospitalisation support.
So, the better question is not only whether online purchase costs less, but whether it helps you select a plan that remains financially sensible over time.
Comparing Plans Online Can Prevent Overspending
One clear advantage of the online route is that it allows you to compare different options without pressure. This can help you avoid paying for features you may not need or missing features that matter for your family.
Before you buy medical insurance online, look closely at:
● Who can be covered under the plan
● How the sum insured works for the family
● Whether day care procedures are included
● How pre-existing illness rules are explained
● Whether add-ons are optional or built in
● How clearly the policy wording is presented
This level of comparison can support better decision-making. In many cases, savings come not only from the premium itself but from choosing a policy with fewer surprises.
Online Discounts Should be Viewed Carefully
Online discounts can make a plan look attractive, but they should always be read alongside the policy details. A discount may reduce the upfront cost, yet the true worth of the policy depends on what it covers and how it responds during a claim.
When reviewing discounted online plans, check whether the policy has:
● Treatment-specific limits
● Room rent restrictions
● Co-payment clauses
● Disease-wise waiting periods
● Claim deductions linked to the hospital category
● Limited cover for selected benefits
These points are important because a policy that looks cheaper at purchase may involve more out-of-pocket spending later. That is why discount-led buying should be replaced with detail-led buying.
Final Thoughts
Yes, buying online can sometimes help you save more when choosing family health insurance, but only if you look beyond the headline price. The online route may give you better visibility, easier comparison, and more time to review the policy terms.
That can support smarter choices and may reduce the chances of paying for a plan that does not suit your family well.
If you want to buy medical insurance online, treat savings as more than a discount. The real advantage lies in choosing family health insurance that balances affordability, clarity, and meaningful coverage for your household.
