MAM
Madhusudhan Rao, Deepak Subramanian join HUL management committee
Mumbai: FMCG major Hindustan Unilever Ltd (HUL) on Wednesday announced the appointment of Madhusudhan Rao and Deepak Subramanian to its management committee. While Rao is named as HUL executive director – beauty and wellbeing and personal care, Subramanian is HUL executive director – home care.
Rao takes over from Priya Nair, who is elevated to global role as HUL chief marketing officer – beauty and wellbeing. Subramanian succeeds Prabha Narasimhan, who has decided to leave the company to pursue an external opportunity, HUL said in a statement.
“Madhusudhan has a successful track record in a variety of operational and strategic roles. He has brought in a strong performance edge in his teams and has pioneered several innovations that uphold Unilever’s high science and technology credentials,” commented HUL chairman and MD Sanjiv Mehta. “Deepak has championed innovation and sustainable strategies to significantly improve brand equity and deliver growth. He has demonstrated superior business acumen in building new categories, primarily in start-up business verticals. I am certain that they will take the business to the next level of performance.”
Talking about Nair’s contribution to the business, Mehta said, “She has been an active champion for building future skills and experimentation, and has led several path-breaking marketing initiatives such as the Kan Khajura Tesan. Under her leadership, the business witnessed high growth in key categories driven by consumer-centric innovations and award-winning, purpose-driven communication.”
“Prabha led home care to deliver a strong performance across South Asia over the last two years. She has contributed immensely towards embedding the Clean Future agenda into the Home Care product development strategy,” he further said about Narasimhan.
Rao joined HUL in 1991 and he is currently serving as Unilever EVP – home and hygiene. In his 30+ years in the company, he demonstrated a strong performance track record in marketing, customer development and brand development roles across geographies. In his current role, Rao helped shape the home and hygiene category as a successful business with a distinctive high-performance culture, said the statement.
Currently working as VP – home care, South-East Asia/ANZ (SEAA) and global head – fabric enhancers, Subramanian joined HUL in 1995 as a management trainee. He significantly improved the profitability of the business, whilst strengthening top-line growth. In his global role, Subramanian helped transform the fabric enhancers category by driving innovations and re-positioning the brands to have more social impact, according to the company.
Recently, the company also announced the separation of the position of chairman of the board and the CEO and managing director. HUL announced the appointment of Nitin Paranjpe, currently chief operating officer of Unilever as non-executive chairman of the company, with effect from 31 March. However, Sanjiv Mehta will continue as HUL chief executive officer and managing director.
The FMCG giant reported a strong all-around performance for the third quarter. The company’s growth was competitive and profitable. The net profit surged to Rs 2,243 with 17 per cent growth year-on-year, according to the statement.
Buying family medical insurance online in India has become a common option for individuals who want to secure health coverage for multiple family members under a single policy. However, many buyers are unsure about the exact steps involved in selecting and purchasing the right plan online.
In this guide, you will know the step-by-step process of buying family medical insurance online in India, along with the key factors to review before purchasing a suitable policy.
Step 1: Assess Your Family’s Healthcare Needs
Before buying online health insurance, check the healthcare needs of all family members. Check age, existing illnesses, regular medicines, and the likely need for hospital care later. This helps in selecting a suitable sum insured, policy type, and level of cover. It also reduces the chance of buying a plan that appears suitable but does not meet actual medical needs.
Step 2: Visit the Insurance Company’s Official Website
After understanding the family’s needs, visit the insurer’s official website and read the plan details carefully. Use the official platform to review eligibility, policy wording, waiting periods, cover details, exclusions, and renewal terms.
This step gives a clearer understanding of how the policy works before payment is made. It also helps avoid confusion caused by incomplete summaries on other pages.
Step 3: Compare Available Family Health Insurance Plans
A family medical insurance policy should be compared on factors beyond the premium. Review the sum insured, hospital network, room rent limits, pre- and post-hospitalisation cover, daycare treatment coverage, and waiting periods. It is also important to check treatment sub-limits and specific policy conditions.
Careful comparison helps determine whether a plan provides balanced coverage and whether its terms are suitable for the healthcare needs of the entire family.
Step 4: Choose the Right Policy and Start the Online Purchase
Once the options have been compared, select the policy that best fits the family’s medical needs and budget. Before starting the application, review the covered members, policy term, benefits, and main conditions again. This is an important stage because errors here can lead to the wrong cover amount, an unsuitable variant, or missing details that create problems during policy use.
Step 5: Calculate the Premium Using an Online Calculator
Use the online premium calculator before making the final choice. Enter the correct details, including age, city, number of insured members, and selected cover amount. The result helps in understanding the expected premium and whether the policy fits the annual budget. This step is useful because it allows cost and coverage to be reviewed together, instead of choosing a plan only because the premium looks lower.
Step 6: Fill in Personal and Medical Details
When filling in the proposal form, provide accurate details for each insured member. This includes name, date of birth, contact details, medical history, ongoing treatment, and previous insurance information if required.
Every answer should be complete and truthful. Incorrect or missing details can create difficulty later. Before you submit the form, read every section again and correct any mistakes.
Step 7: Make Payment Through the Secure Payment Gateway
After checking the form, go to the payment page and complete the transaction through the secure payment gateway. Review the premium, policy term, and entered details once more before confirming payment.
After the transaction is completed, save the receipt, reference number, or confirmation message carefully. Keeping this record is useful if you need to track the purchase or follow up on policy issuance later.
Step 8: Download and Keep Your Policy Document Safely
Once the policy is issued, download the policy document, schedule, and any related papers without delay. Read them carefully to confirm member names, policy period, sum insured, and major terms. Save a digital copy in a secure folder and keep a printed copy if needed. Proper record keeping makes future renewals, document checks, and policy servicing easier and more organised when information is required quickly.
Conclusion
Buying health cover online becomes easier when you handle each step with attention. From checking your family’s needs to reading the final document, every stage helps you make an informed choice. A careful approach can reduce mistakes, improve your understanding of policy terms, and help you choose coverage that matches your household’s medical needs, financial capacity, and long-term healthcare planning in a reliable way for your family over the long term.
