MAM
Natrajan & Subramanian quit LIM, Manas Mishra joins as prez
MUMBAI: Lintas Initiative Media‘s top two executives have quit. Sudha Natrajan, the CEO of the agency, and Raghav Subramanian, the COO, have moved on to start their own venture.
Meanwhile, Lintas Initiative Media has appointed Manas Mishra as the president. Based in Gurgaon, he will service the agency’s blue
chip accounts in the country including Maruti Suzuki, Sony Electronics, Voltas, Expedia, 3M and Citizen watches.
Mishra, who moves in from Starcom MediaVest Group- Greater China where he has been working as the managing director, will report to Lintas Media Group chairman and CEO Lynn de Souza.
Natrajan will be with the agency till the end of July, after which she will pursue her own venture in the media and entertainment space. It, however, could not be confirmed on exactly what her venture would be.
Lintas Media Group CEO Lynn de Souza said, “Sudha has been a great asset to Lintas Media Group. Her business acumen and affectionate nature have won her long standing relationships in the media industry which will serve her well in future pursuits. We will miss her terribly but respect her desire to try out something new”.
On the appointment of Mishra, De Souza said, “It is wonderful to have Manas back with us. He has grown manifold during the time he has spent with other leading agency networks, while retaining a strong strategic bent of mind. His service on the Technical Committee of the IRS has also been highly appreciated.”
Mishra added, “I am looking forward to this new journey with Initiative, building new partnerships with teams and clients.”
Mishra is a media and communications professional with 17 years of experience spanning media strategy, revenue growth, successful team leadership, and P&L management. Prior to Starcom, he was with Mudra Connext. He has also worked with Mediaedge CIA, and Contract, and also ran the Initiative Mumbai office from 2004 to 2006.
Natrajan has over 20 years of brand marketing, client servicing and media management experience. At LMG she has worked with clients like Maruti Suzuki, Sony Electronics, Religare Enterprises, Voltas and Naukri.com.
Subramanian had joined LIM in December 2011. Prior to LIM, he was with Starcom MediaVest Group. He has over 20 years of
experience in the business of media, consulting, analytics and research.
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.
