Data Entry Resume Sample in Ms Word Format (Excel download)

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					Response to Vendor Queries                                                            Functional                                                                                     SBIGICL
 Sr.     Page #         Point /   Clarification point as stated in the tender document                        Comment/ Suggestion/ Deviation                            Response
 No.                   Section #
  1         8           Project Core Insurance Application (“CIA”)                                     Need more data on number of underwriting             You can extrapolate RFP data.
                      Scope - 2.2                                                                      rules, mis reports, BI dashboards, Policy Admin      But the data fields mentioned in
                          -A                                                                           functions. Can we extrapolate based on data          RFP are examples to guide
                                                                                                       given in the RFP and put itas assumption?            you in the right direction and not
                                                                                                                                                            exhaustive.


  2         9           2.2 - A    20. Supply Chain & Performance management                           Need more information on Performance                 Performance Management will
                                                                                                       management.                                          track and measure identified
                                                                                                                                                            KPI's for each preferred
                                                                                                                                                            supplier or repairer based on
                                                                                                                                                            their Service Level Agreement.
                                                                                                                                                            E.g. TAT's for surveyor reports,
                                                                                                                                                            responding to customer
                                                                                                                                                            complaints/queries, customer
                                                                                                                                                            service



  3         9           2.2 - A    9. Data Mining, Data Quality and Metadata Management                Need more information on Metadata mgmt.              Metadata at various stages of
                                                                                                                                                            the data processing/movement
                                                                                                                                                            should be captured to know the
                                                                                                                                                            lifecycle of the data from
                                                                                                                                                            capture to storage to
                                                                                                                                                            retention/detention


  4    Annexure 2 -      4.19      The system should have a graphical data profile tool.               Could you please elaborate on this requirement,      Data profiling will be used to
          DW                                                                                           specifically how data profiling is intended to be    understand the data structure
                                                                                                       used in the report creation / consumption            and data relationships when
                                                                                                       process?                                             creating a report.

  5    Annexure 2 -      4.21      The system should have the ability to auto-schedule specific        Please elaborate on this requirement. How is         Certain reports will be needed
          DW                       reports to be generated via a GUI.                                  this different from the general scheduling           on the fly or for emergencies.
                                                                                                       requirement mentioned in 4.14?                       Otherwise scheduling will be
                                                                                                                                                            daily, weekly, fortnightly,
                                                                                                                                                            monthly.
  6    Annexure 2 -      4.22      The system should enable viewing of encrypted data in the reports. Will the data be stored in encrypted form in the      If there are any fields stored in
          DW                                                                                          source database / DW? Could you please                encrypted form in the source
                                                                                                      elaborate on the encryption process that will be      system, those fields should also
                                                                                                      used?                                                 be available for reporting

  7    Annexure 2 -      4.23      The system should be capable of integrating with the regulators       Request you to please elaborate on specific        The data format the system
          DW                       systems to facilitate the transfer of any information required by the requirements in this regard, related to            produces through its interface
                                   regulators (IRDA/TAC etc)                                             integration/transfer                               should suit the interface
                                                                                                                                                            supported by TAC/IRDA
                                                                                                                                                            systems
  8    Annexure 2 - 15/Workflo The system should support a diary function which allows the user        Please elaborate on the concept of diary             Creation of work baskets.
        Functional      w      to diarize a task. The system should remind/alert the user of the                                                            Creation of To Do lists for a
         Specs                 task to facilitate its completion.                                                                                           user and reminders and alerts
                                                                                                                                                            to be sent to him for pending
                                                                                                                                                            tasks
  9    Annexure 2 - 20/Workflo The system should support different parameters for Workflow             Please elaborate details on this                     Authorisation and escalation
        Functional      w      Authorization Matrix                                                                                                         process to ensure higher limit
         Specs                                                                                                                                              claims get approval for payment
                                                                                                                                                            with higher authority levels
                                                                                                                                                            based on roles and experience.


 10    Annexure 2 -    1.1/1/.10   The system should facilitate the removal of links from certain     Please elaborate on how these links need to be        De-attach from current location
        Functional                 documents and re-assign to other contacts, products, transactions. removed. Manual ad hoc fashion or                     and send to correct
         Specs                                                                                        automatically. On what basis will these link be re-   policy/claim. One claim/policy
                                                                                                      assigned?                                             number is identified, should be
                                                                                                                                                            linked automatically.


 11    Annexure 2 -       3.3      The system should support OCR/ICR.                                  Is ICR required or Optional. Will ICR processing     System should have both OCR
        Functional                                                                                     be done on the forms received ? The rest of the      and ICR capability. ICR is
         Specs                                                                                         functional specs only mention about Bar Code         required for data entry after
                                                                                                       extraction, which does not require ICR               form is received
                                                                                                       capabilities.
 12    Annexure 2 -    (Generic)                                                                       Will scanning and bar code extraction required at    All locations. Total locations at
        Functional                                                                                     all locations ? (Large Branches/Small                the end of 5 yrs will be at least
         Specs                                                                                         Branches/any others?). How many total                130. Refer point 5.1.3 in RFP
                                                                                                       locations will require scanning                      main doc.

 13    Annexure 2 -      DW        Generic                                                             Is SBI GIC considering unified metadata across       Yes. If it is not unified, we will
         Functional                                                                                    different architectural components as a              have silos of metadata of no
       requirements                                                                                    technology priority?                                 use to the business




Addendum 1                                                                           Page 1 of 37
Response to Vendor Queries                                                          Functional                                                                                SBIGICL
 Sr.      Page #        Point /  Clarification point as stated in the tender document                    Comment/ Suggestion/ Deviation                           Response
 No.                   Section #
 14    Product                                                                                    Will SBIGICL give the detailed requirement SBIGICL give the detailed
       Configurator'                                                                              specification for each product to be configured. requirement specification for
       sheet      of                                                                                                                               each product to be configured
       Annexure 2                                                                                                                                  at the time of Business
                                                                                                                                                   Requirement Study after the
                                                                                                                                                   vendor has been selected.


 15    Annexure 2 -     1.2.21    Policy Admin                                                    How is maker-authorization level mapped with SBIGICL will provide the
       SBI                                                                                        the business processes like data entry / risk authority matrix
       Functional                                                                                 assessment /issuance etc. ?
       Requirement
       s
 16    Annexure 2 -     1.2.24    Policy Admin                                                    Does SBI have any specific third-party               The vendor is expected to have
       SBI                                                                                        databases (e.g. stolen vehicle register, motor       some third-party databases
       Functional                                                                                 dealers guide) in mind for link -up and              otherwise it is the responsibility
       Requirement                                                                                verification?                                        of SBIGICL to collect these
       s                                                                                                                                               databases and provide them to
                                                                                                                                                       the vendor for link up


 17    Annexure 2 -       1.4     Policy Admin                                                    Please provide specific details on Know Your Will be provided/decided at the
       SBI                                                                                        Customer (KYC) & Anti Money Laundering time of implementation
       Functional                                                                                 (AML) requirements and reports.
       Requirement
       s
 18    Annexure 2 -     1.8.10    Quote                                                           The system should enable business users to           The system should have the
       SBI                                                                                        map the data entry fields on the screen to           ability to match the identical
       Functional                                                                                 matching fields on scanned documents                 fields between the screen and
       Requirement                                                                                Please elaborate, the requirement in more            scanned document. For that
       s                                                                                          details and what are the expectations from the       there has to be a
                                                                                                  application                                          standardisation between the
                                                                                                                                                       screens and documents/forms.


 19     RFP Main -                Support Applications - General Ledger System -                   will this be a system of records for SBIGICL to     Yes.The GL will record
           2.2                                                                                    draw all financials statements, internal &           monetary insurance and non
                                                                                                  external reporting, etc?                             insurance transactions of
                                                                                                                                                       SBIGICL.
 20    Annexure 2 -                                                                               Is SBI GICL planning to use any Address              Yes. Address Standardization
           SBI                                                                                    Standardization & Validation tool for localization   and Validation is required as
        Functional                                                                                needs?                                               part of the data quality and
       Requirement                                                                                                                                     verification processes. The
            s                                                                                                                                          vendor is free to suggest such
                                                                                                                                                       tools.


 21    Annexure - 2                                                                               Has SBIGICL carried out any ERP Or other        SBIGICL has been studying
                                                                                                  product evaluation to suit the SBIGICL business and benchmarking with
                                                                                                  needs as laid down in Annexure 2?               available products in the
                                                                                                                                                  insurance market. But the
                                                                                                                                                  vendor suggestions are
                                                                                                                                                  welcome
 22    Annexure 2 -                                                                               Does the recruitment activity need to be web         Good to have feature
           SBI                                                                                    based?
        Functional
       Requirement
       s Sheet HR
         Point 02
 23    Annexure 2 -                                                                               Do you link to web resources for advertisement       Yes
           SBI                                                                                    and applicant resume processing
        Functional
       Requirement
       s Sheet HR
         Point 02
 24    Annexure 2 -                                                                               Document Management system can be used to            We are not worried about
           SBI                                                                                    maintain documents along with required               whether you use SAP or not.
        Functional                                                                                authorizations of editing/viewing etc. This is a     We want the solution to meet
       Requirement                                                                                separate module in SAP and not a part of HCM.        our requirements. We do not
       s Sheet HR                                                                                                                                      assume specific technology
         Point 10                                                                                                                                      here
 25    Annexure 2 -                                                                               Points 11.2 - 11.4 , need more clarification on      For e.g. salary processing,
           SBI                                                                                    business process where its applicable.               reimbursements etc.
        Functional
       Requirement
       s Sheet HR
         Point 11




Addendum 1                                                                         Page 2 of 37
Response to Vendor Queries                                                        Functional                                                                             SBIGICL
 Sr.      Page #       Point /  Clarification point as stated in the tender document                     Comment/ Suggestion/ Deviation                      Response
 No.                  Section #
 26    Annexure 2 -                                                                               Point 11.5, Please provide more details on
           SBI                                                                                    various kinds of data that would require to be
        Functional                                                                                updated by Separate offline module. For e.g.
       Requirement                                                                                Leave, attendance etc.
       s Sheet HR
         Point 11                                                                                                                                  Not possible to provide
 27    Annexure 2 -                                                                               Do you record contractual employees master       Yes
           SBI                                                                                    data in the system?
        Functional
       Requirement
       s Sheet HR
         Point 12
 28    Annexure 2 -                                                                               Do you plan to bring in management of Master     Why SAP system? We are not
           SBI                                                                                    Data of Employees working outside country in     specific about a technology like
        Functional                                                                                SAP system?                                      SAP. It could be any technology
       Requirement                                                                                                                                 that meets our requirements
       s Sheet HR
         Point 12
 29    Annexure 2 -                                                                               How do you handle Third Party Remittances?       Either through RTGS, NEFT,
           SBI                                                                                                                                     ECS etc
        Functional
       Requirement
       s Sheet HR
         Point 14
 30    Annexure 2 -                                                                               Do you process the contractual employees         Yes
           SBI                                                                                    payroll in the system?
        Functional
       Requirement
       s Sheet HR
         Point 14
 31    Annexure 2 -                                                                               Do you plan to process payroll for Employees     Why SAP system? We are not
           SBI                                                                                    working outside country in SAP System at         specific about a technology like
        Functional                                                                                central location in India?                       SAP. It could be any technology
       Requirement                                                                                                                                 that meets our requirements
       s Sheet HR
         Point 14
 32    Annexure 2 -                                                                               Do you need budgeting based on Organization      Yes
           SBI                                                                                    structure?
        Functional
       Requirement
       s Sheet HR
         Point 22
 33    Annexure 2 -                                                                               Do you want to automate the process of Salary    Rules can be built in for
           SBI                                                                                    Revisions and cost planning at the end of        revisions and cost planning.
        Functional                                                                                appraisal cycle?                                 Certain cases might require
       Requirement                                                                                                                                 human intervention whilst the
       s Sheet HR                                                                                                                                  others can be automatic.
         Point 22
 34    Annexure 2,                                                                                Kindly elaborate on the "Regulatory reporting"   The system should enable
       CRM Point                                                                                  from CRM                                         generating reports related to
           20                                                                                                                                      regulatory reporting based on
                                                                                                                                                   data captured in CRM (e.g.
                                                                                                                                                   Customer complaints as
                                                                                                                                                   captured in the CRM)
 35    Annexure 2,                                                                                Kindly provide more information on "Customized Will be provided/decided at the
       CRM Point                                                                                  and branded screen for each entity"            time of implementation
           28
 36    Annexure 2,                                                                                In 1.5 ETC what are the business processes       Will be provided/decided at the
          Cust                                                                                    which will be covered. Please elaborate          time of implementation
        Servicing
 37    Appendix 2 -                                                                               "Creating Contacts using external data base".    e.g. TPA/Motor
       Contact Mngt                                                                               Kindly elaborate on the external database        Dealer/Hospital/Broker
       10.5, 10.6 &
          10.11

 38    Annexure 2 -              “The system should allow multi branding with different channel   This statement is incomplete Can you please      “The system should allow multi
       Functional                partners. Thus all system screens used by the channel partners   provide any further requirements for multi-      branding with different channel
       Requirement               and all outgoing documents generated by a channel partner,       channel branding that SBI General Insurance      partners. Thus all system
       s.xls,                    should contain the channel partners details, logo and numerour   may have?                                        screens used by the channel
       Section:                  other de”…                                                                                                        partners and all outgoing
       Distribution                                                                                                                                documents generated by a
       Channel.                                                                                                                                    channel partner, should contain
       Question 17                                                                                                                                 the channel partners details,
                                                                                                                                                   logo and numerous other
                                                                                                                                                   details"




Addendum 1                                                                       Page 3 of 37
Response to Vendor Queries                                                               Functional                                                                                   SBIGICL
 Sr.      Page #        Point /  Clarification point as stated in the tender document                             Comment/ Suggestion/ Deviation                           Response
 No.                   Section #
 39    Annexure 2 -              Distribution Channel                                                      What policy products / services are sold by each Will be provided/decided at the
       Functional                                                                                          agent / broker segment? Is there any              time of implementation
       Requirement                                                                                         segmentation or tiering of agents/brokers in each
       s.xls,                                                                                              model? What are the associated agent/broker
       Section:                                                                                            programs and incentives?
       Distribution
       Channel
 40    Annexure 2 -                  Claims Management                                                     Does SBI General Insurance have a Special             No special unit has been
       Functional                                                                                          Investigations Unit or group of officers that         formed yet but there will be
       Requirement                                                                                         review and report fraudulent claims? Does SBI         continuous fraud monitoring via
       s.xls,                                                                                              General Insurance support Reserve                     exception reporting and case to
       Section:                                                                                            Management? Please Clarify                            case basis by SBIGICL claims
       Claims                                                                                                                                                    staff. SBIGICL will be involved
       Management                                                                                                                                                Reserve Management. System
                                                                                                                                                                 should have the capability for
                                                                                                                                                                 fraud detection and reserve
                                                                                                                                                                 management


 41    Annexure 2 -                  Customer Contact Centers                                              Is there a 24*7 availability for the Contact Center 24*7
       Functional                                                                                          application ? What are the time-frames of
       Requirement                                                                                         operation of SBI General Insurance customer
       s.xls,                                                                                              contact centers?
       Section:
       Customer
       Contact
       Centers
 42    Annexure 2 -                  CRM                                                                   How would SBI General Insurance want to               Segmentation will be required
       Functional                                                                                          identify cross sell and up sell prospect. What is     for the full client database
       Requirement                                                                                         the volume of data that will have to be handled
       s.xls,                                                                                              for segmentation?
       Section:
       CRM
 43                   4. Reporting                                                                                                                               Yes
                      tools                                                                                Nohting has been mention on the Disconnected
                      features                                                                             Analytics
                                                                                                           Is SBI looking for Full-Fledge Offline Analytics
                                                                                                           capabilities in BI and Reporting Tool


 44                   4. Reporting                                                                         For BI/Reporting Tool Sizing                          Let us know your capacity to
                      tools                                                                                1. Total No. Of BI Users                              handle no. of users, any
                      features                                                                             2. Total No. of Concurrent Users                      benchmarks or test you have
                                                                                                           For MOLPA                                             done
                                                                                                           1. Total No. Of Users
                                                                                                           2. Total No. of Concurrent Users


 45    Annexure -2    "Re            One platform to support for assumed and ceded reinsurance,            Please elaborate as to what is meant by the term SBIGICL is not using any
                      Insurance"     proportional and non-proportional treaties, facultative contracts, as "most finite risk agreements." In case SBI GI is special reinsurance placement
                      3.1.           well as most finite risk agreements.                                  using any special reinsurance placements         model.
                                                                                                           models, kindly specify.
 46    Annexure -2    "Re            A "What If" modeling and analytics tool required to monitor and       Please specify what types of "What If" modeling       The "What-if" modelling should
                      Insurance"     evaluate the results of different reinsurance programs, structures,   and analytics tools are being considered? In          include ability to
                      3.3.           and contracts.                                                        case of a requirement for specific analytical         change/add/delete a set of
                                                                                                           tool/s, request a brief but informative description   reinsurance arrangements and
                                                                                                           of each.                                              review impact on historical and
                                                                                                                                                                 current net/ceded premium,
                                                                                                                                                                 exposure and claims


 47    Annexure -2    "Re         Detailed information should be maintained in the system,            Since there is also a requirement to interface        Maintenance of the data in the
                      Insurance". supporting statistical, actuarial and management reporting, as well with the "reporting packages", we would like to       reinsurance module. While
                      10          as risk profile analysis.                                           know if this requirement refers to maintenance of     processing and reporting
                                                                                                      the data in the reinsurance module. While             requirements will be catered
                                                                                                      processing and reporting requirements will be         through external reporting
                                                                                                      catered through external reporting system for         system for statistical, actuarial
                                                                                                      statistical, actuarial and management needs. Or       and management needs.
                                                                                                      is it envisaged to generate these reports from        Reporting should be possible
                                                                                                      the proposed solution itself.                         using any derived or stored
                                                                                                                                                            reinsurance fields. Complex
                                                                                                           Kindly note that we have gone through the report reports can be handled by a
                                                                                                           requirements outlined in Appendix A1 and this    separate BI & reporting tool.
                                                                                                           query is in respect for additional reporting
                                                                                                           requirements of SBI GI which are not included in
                                                                                                           the appendix.




Addendum 1                                                                             Page 4 of 37
Response to Vendor Queries                                                             Functional                                                                              SBIGICL
 Sr.     Page #         Point /     Clarification point as stated in the tender document                      Comment/ Suggestion/ Deviation                        Response
 No.                  Section #
 48    Annexure -2   "Re            The system should interface with financial systems, reporting       Please elaborate as to what is preferred mode    1.It should be able to support
                     Insurance"     packages, rating agencies. This should be supported with well       and frequency of interfacing with the external   multiple modes of Interfaces
                     11.            defined interfaces with supporting enterprise data model for data   systems.                                         2. Frequency could be real time
                                    integration.                                                                                                         to any period based on the
                                                                                                                                                         system being interfaced to


 49    Annexure -3   "Application Ability of the system to maintain activity relationships and          Please elaborate on what kind output is required, Self explanatory
                     Requireme segregate them in the following buckets                                  is this related to the business process layer,
                     nts". 1.16   Manual process                                                        where the state and activity is maintained?
                                  Interface
                                  Upload
                                  Manual Updates
 50    Annexure -2   "Quote"/    "If any terms and conditions or premium are over-ridden by the         Please elaborate on the statement                e.g. pre existing diseases have
                     Section 4.1 underwriter, the same should be captured as exceptions in the                                                           been waived by the junior
                                 quotations and should be visible to the approver of the quote"                                                          underwriter in a new health
                                                                                                                                                         policy quote. This waiver must
                                                                                                                                                         be highlighted to the senior
                                                                                                                                                         underwriter who will approve
                                                                                                                                                         the quote
 51    Annexure -2   "Quote"/       "The system should be capable of pricing even at a channel/         Please explain the circumstances where such      1. A VIP customer might be
                     Section        customer level"                                                     pricing is required                              given greater premium
                     5.14                                                                                                                                discounts than others.
                                                                                                                                                         2. There might be different
                                                                                                                                                         discount ranges for different
                                                                                                                                                         brokers depending on business
                                                                                                                                                         relationship
 52    Annexure -2   "Policy        "The system should be capable of pricing at a contact level (i.e.   Does it mean the consolidated premium at the     Premium computation should
                     Admin"/        combining all products offered to a individual contact) and product contact level?                                   be possible on the basis of no.
                     Section        level (i.e. All LoB offered) including Accumulation of technical,                                                    and type of products purchased
                     1.3.26         book and actual premiums"                                                                                            by the client, from SBIGICL. For
                                                                                                                                                         e.g. 3 products namely Health,
                                                                                                                                                         Motor, CAR


 53    Annexure -2   "Commissio "The system should support hierarchical commission / incentive for Does it relate to the commission of Agents and        Any channel partner e.g.
                     n-           multiple levels"                                                 sub-agents under him?                                 broker, dealer, agents and sub
                     Incentives"/                                                                                                                        agents. This may include
                     Section 1.7                                                                                                                         remuneration for specific staff
                                                                                                                                                         members, as well as
                                                                                                                                                         proportional
                                                                                                                                                         commissions/incentives to
                                                                                                                                                         people in their management
                                                                                                                                                         hierarchy.

 54    Annexure -2   "Cover         "The system should compute the service tax as per the Indian       The Statement is not complete                     The system should compute the
                     Note           Service Tax Regulations. The service tax rates change from time                                                      service tax as per the Indian
                     Manageme       to time. Since cover notes may be issued manually also, there is a                                                   Service Tax Regulations. The
                     nt"/ Section   period wherein service tax is collected at the old rate, whereas"                                                    service tax rates change from
                     3.9                                                                                                                                 time to time. Since cover notes
                                                                                                                                                         may be issued manually also,
                                                                                                                                                         there is a period wherein
                                                                                                                                                         service tax is collected at the
                                                                                                                                                         old rate, whereas by the time it
                                                                                                                                                         reached the back office, the
                                                                                                                                                         new rate has already been
                                                                                                                                                         updated. Thus during this
                                                                                                                                                         period, the system should allow
                                                                                                                                                         processing of such cover notes
                                                                                                                                                         at old service tax rates.




 55    Annexure -2   "Contact       "The system should support defining the sequence of the preferred The Statement is not complete                      17.2. The system should
                     Manageme       mode of communication. E.g. For communicating a confirmation of                                                      support defining the sequence
                     nt"/ Section   meeting with prospect, the first preferred mode would be e-mail,                                                     of the preferred mode of
                     17.2           followed by fax and SMS. For intimation of a premium cheque r"                                                       communication. E.g. For
                                                                                                                                                         communicating a confirmation
                                                                                                                                                         of meeting with prospect, the
                                                                                                                                                         first preferred mode would be e-
                                                                                                                                                         mail, followed by fax and SMS.
                                                                                                                                                         For intimation of a premium
                                                                                                                                                         cheque returned unpaid, the
                                                                                                                                                         first preferred mode of
                                                                                                                                                         communication may be SMS
                                                                                                                                                         followed by email and letter.




Addendum 1                                                                            Page 5 of 37
Response to Vendor Queries                                                            Functional                                                                     SBIGICL
 Sr.     Page #         Point /     Clarification point as stated in the tender document                     Comment/ Suggestion/ Deviation              Response
 No.                  Section #
 56    Annexure -2   "Contact       "Information regarding bank accounts and credit cards should have The Statement is not complete           18.2.1. Information regarding
                     Manageme       additional and adequate safety measures. E.g. masking of account                                          bank accounts and credit cards
                     nt"/ Section   and credit card numbers except the last 4 digits, from all users                                          should have additional and
                     18.2.1         except certain privileged users who are authorised to see the"                                            adequate safety measures. E.g.
                                                                                                                                              masking of account and credit
                                                                                                                                              card numbers except the last 4
                                                                                                                                              digits, from all users except
                                                                                                                                              certain privileged users who are
                                                                                                                                              authorised to see the full details
                                                                                                                                              and meet all international
                                                                                                                                              standards.


 57    Annexure -2   "Contact       "the system workflow for contact creation and maintenance should The Statement is not complete            The system workflow for
                     Manageme       be configurable at a channel level, e.g. The system should support                                        contact creation and
                     nt"/ Section   contact management for a bank partner or an agent/broker partner                                          maintenance should be
                     19.3           so as to create a local workflow for the partner for manage'                                              configurable at a channel level,
                                                                                                                                              e.g. The system should support
                                                                                                                                              contact management for a bank
                                                                                                                                              partner or an agent/broker
                                                                                                                                              partner so as to create a local
                                                                                                                                              workflow for the partner for
                                                                                                                                              managing the contact.



 58    Annexure -2   "Prospect"/ "The system should support extraction of data from existing       The Statement is not complete              The system should support
                     Section 1.2 SBIGICL customer database in the format of the users choice (e.g.                                            extraction of data from existing
                                 flat file, csv, enterprise data model) for the purpose of lead                                               SBIGICL customer database in
                                 generation based on user defined criteria (e.g. income group,                                                the format of the users choice
                                 geogr"                                                                                                       (e.g. flat file, csv, enterprise
                                                                                                                                              data model) for the purpose of
                                                                                                                                              lead generation based on user
                                                                                                                                              defined criteria (e.g. income
                                                                                                                                              group, geography, etc.)


 59    Annexure -2   "Prospect"/ "The system should support a rule based workflow for prospecting. The Statement is not complete              The system should support a
                     Section 1.2 Once the prospect details have been captured, the prospect may                                               rule based workflow for
                                 be allocated to the direct sales team or to an intermediary or to the                                        prospecting. Once the prospect
                                 call centre for further follow-up and conversion to custo"                                                   details have been captured, the
                                                                                                                                              prospect may be allocated to
                                                                                                                                              the direct sales team or to an
                                                                                                                                              intermediary or to the call
                                                                                                                                              centre for further follow-up and
                                                                                                                                              conversion to customer. A
                                                                                                                                              workflow may be defined for
                                                                                                                                              each type of prospect. This
                                                                                                                                              should be GUI driven.


 60    Annexure -2   "Quote"/Se "The system should support different premium calculation methods The Statement is not complete                The system should support
                     ction 5.15 using any type of mathematical formula and should cater to                                                    different premium calculation
                                wholesale and retail rates (e.g. sum insured driven, flat calculation,                                        methods using any type of
                                Indian tariff structure, rate tables, points systems, multipl"                                                mathematical formula and
                                                                                                                                              should cater to wholesale and
                                                                                                                                              retail rates (e.g. sum insured
                                                                                                                                              driven, flat calculation, Indian
                                                                                                                                              tariff structure, rate tables,
                                                                                                                                              points systems, multiplicative
                                                                                                                                              factors etc.)


 61    Annexure -2   "Quote"/    "The system should generate all types of documents (e.g. quote,       The Statement is not complete          The system should generate all
                     Section 6.1 policy schedule, detailed schedule for policies covering multi-line                                          types of documents (e.g. quote,
                                 and multi-risks, memorandum, cover note, marine open cover,                                                  policy schedule, detailed
                                 marine risk notes, credit notes, debit notes, standard letters, "                                            schedule for policies covering
                                                                                                                                              multi-line and multi-risks,
                                                                                                                                              memorandum, cover note,
                                                                                                                                              marine open cover, marine risk
                                                                                                                                              notes, credit notes, debit notes,
                                                                                                                                              standard letters, etc.)




Addendum 1                                                                          Page 6 of 37
Response to Vendor Queries                                                                 Functional                                                                      SBIGICL
 Sr.     Page #         Point /      Clarification point as stated in the tender document                          Comment/ Suggestion/ Deviation              Response
 No.                  Section #
 62    Annexure -2   "Cover          "The system should support scanning of proposal forms and               The Statement is not complete          The system should support
                     Note            issuing cover notes based on scanned images of proposal or                                                     scanning of proposal forms and
                     Manageme        directly from original proposals. In the later case, the system                                                issuing cover notes based on
                     nt"/ Section    should provide the facility to track the original proposal along with                                          scanned images of proposal or
                     1.3             other"                                                                                                         directly from original proposals.
                                                                                                                                                    In the later case, the system
                                                                                                                                                    should provide the facility to
                                                                                                                                                    track the original proposal along
                                                                                                                                                    with other supporting
                                                                                                                                                    documents by the back office.



 63    Annexure -2   "Distribution   "It should be possible to map the entire sales hierarchy of the         The Statement is not complete          25.1. It should be possible to
                     Channel"/       organisation and associated contact and underlying policies to                                                 map the entire sales hierarchy
                     Section         them. This should be linked to the Contact Management                                                          of the organisation and
                     25.1            System/database and it must be ensured that the sales                                                          associated contact and
                                     organizational struct"                                                                                         underlying policies to them.
                                                                                                                                                    This should be linked to the
                                                                                                                                                    Contact Management
                                                                                                                                                    System/database and it must
                                                                                                                                                    be ensured that the sales
                                                                                                                                                    organizational structure is also
                                                                                                                                                    unique in the contact database
                                                                                                                                                    when it comes to individual


 64    Annexure -2   "Commissio      "It should be possible to set up complex rule based commission /        The Statement is not complete          "It should be possible to set up
                     n               Incentive structures based on sourcing location, product, dates,                                               complex rule based
                     Incentives"/    type of sourcing channel, sourcing channel partner, claim ratio,                                               commission / Incentive
                     Section 1.2     model of the automobile, premium slab etc. The system should"                                                  structures based on sourcing
                                                                                                                                                    location, product, dates, type of
                                                                                                                                                    sourcing channel, sourcing
                                                                                                                                                    channel partner, claim ratio,
                                                                                                                                                    model of the automobile,
                                                                                                                                                    premium slab etc. The system
                                                                                                                                                    should allow to define the
                                                                                                                                                    structure involving any system
                                                                                                                                                    captured data and using
                                                                                                                                                    mathematical computation on
                                                                                                                                                    the data


 65    Annexure -2   "Commissio      "Commission / incentive should be calculated either on a daily          The Statement is not complete          Commission / incentive should
                     n               basis or preferably at the time of each action such as new policy                                              be calculated either on a daily
                     Incentives"/    issuance, endorsement, policy cancellation etc. Where the                                                      basis or preferably at the time
                     Section 2.1     commission / incentive is based on monthly targets or slabs, it                                                of each action such as new
                                     shoul"                                                                                                         policy issuance, endorsement,
                                                                                                                                                    policy cancellation etc. Where
                                                                                                                                                    the commission / incentive is
                                                                                                                                                    based on monthly targets or
                                                                                                                                                    slabs, it should get re-
                                                                                                                                                    calculated on a daily basis till
                                                                                                                                                    the month end.



 66    Annexure -2   "Commissio      "In case commission has already been paid based on the channel The Statement is not complete                   In case commission has
                     n               partner captured in the policy, but subsequently it is realized that                                           already been paid based on the
                     Incentives"/    the channel partner was incorrect, then the system should process                                              channel partner captured in the
                     Section 2.4     an auto-recovery from the incorrectly captured channel par"                                                    policy, but subsequently it is
                                                                                                                                                    realized that the channel
                                                                                                                                                    partner was incorrect, then the
                                                                                                                                                    system should process an auto-
                                                                                                                                                    recovery from the incorrectly
                                                                                                                                                    captured channel partner and
                                                                                                                                                    pay the correct amount
                                                                                                                                                    retrospectively to the correct
                                                                                                                                                    channel partner.


 67    Annexure -2   "Commissio      "There should be a provision to setup a rule, using GUI, whether        The Statement is not complete          There should be a provision to
                     n               commission / incentive should be paid if the payable amount is                                                 setup a rule, using GUI,
                     Incentives"/    less than a predefined amount. In such cases, the commission /                                                 whether commission / incentive
                     Section 2.8     incentive is carried forward till such time the amount becomes si"                                             should be paid if the payable
                                                                                                                                                    amount is less than a
                                                                                                                                                    predefined amount. In such
                                                                                                                                                    cases, the commission /
                                                                                                                                                    incentive is carried forward till
                                                                                                                                                    such time the amount becomes
                                                                                                                                                    significant for payout.




Addendum 1                                                                               Page 7 of 37
Response to Vendor Queries                                                           Functional                                                                                     SBIGICL
 Sr.     Page #        Point /   Clarification point as stated in the tender document                        Comment/ Suggestion/ Deviation                             Response
 No.                  Section #
 68    Annexure -2   "HR"/       "The system should be able to alert all departments to prepare a      The Statement is not complete                        The system should be able to
                     Section 2.7 list of receivables/dues in cash/kind from the separating employee.                                                        alert all departments to prepare
                                 Notification should be sent to IT for cancellation of Login ID on the                                                      a list of receivables/dues in
                                 last day. It should also be capable of obtaining Al"                                                                       cash/kind from the separating
                                                                                                                                                            employee. Notification should
                                                                                                                                                            be sent to IT for cancellation of
                                                                                                                                                            Login ID on the last day. It
                                                                                                                                                            should also be capable of
                                                                                                                                                            obtaining "All clear"
                                                                                                                                                            confirmation from the relevant
                                                                                                                                                            department


 69    Annexure -2   "HR"/       "The system should support online secure access to both staff as The Statement is not complete                             The system should support
                     Section 3.5 well as the officers to complete performance appraisals? System                                                            online secure access to both
                                 should also support offline performance management. It should be                                                           staff as well as the officers to
                                 possible to upload documents where online connectivity is not"                                                             complete performance
                                                                                                                                                            appraisals?. System should
                                                                                                                                                            also support offline
                                                                                                                                                            performance management. It
                                                                                                                                                            should be possible to upload
                                                                                                                                                            documents where online
                                                                                                                                                            connectivity is not possible


 70    Annexure -2   "HR"/       "The system should allow creation of training calendar for the         The Statement is not complete                       The system should allow
                     Section     entire organisation based on requirements identified by SBIGICLL                                                           creation of training calendar for
                     6.11        or requirements generated through performance appraisal. It                                                                the entire organisation based
                                 should also have the facility where the staff is able to choose cer"                                                       on requirements identified by
                                                                                                                                                            SBIGICLL or requirements
                                                                                                                                                            generated through performance
                                                                                                                                                            appraisal. It should also have
                                                                                                                                                            the facility where the staff is
                                                                                                                                                            able to choose certain selective
                                                                                                                                                            training programs



 71    Annexure -2   "HR"/       "The system should be able to file E -TDS returns through           The Statement is not complete                          "The system should be able to
                     Section     nominated agencies by enabling the SBIGICL to compile the data                                                             file E -TDS returns through
                     14.20       at Branch/Office level and transmission of data to RO in prescribed                                                        nominated agencies by
                                 format, consolidation of all records at RO and filing the same th"                                                         enabling the SBIGICL to
                                                                                                                                                            compile the data at
                                                                                                                                                            Branch/Office level and
                                                                                                                                                            transmission of data to RO in
                                                                                                                                                            prescribed format, consolidation
                                                                                                                                                            of all records at RO and filing
                                                                                                                                                            the same through the
                                                                                                                                                            nominated agencies"


 72    Annexure 2    14.2        The system should be able to run multiple payrolls in a single         By multiple payrolls, is it meant that multiple     Could be either
       (Accounting               instance                                                               payroll processes will need to be run in a pay
       GL)                                                                                              period for a location, or whether multiple groups
                                                                                                        have to be processed for multiple locations?
                                                                                                        Please clarify
 73    Generic                   Generic on reports                                                     Are there any real-time reporting reqmts            Yes. SBIGICL will provide list at
                                                                                                                                                            time of Business Requirement
                                                                                                                                                            Study
 74    Generic                   Generic on reports                                                     Are all operational reports for all applications    SBIGICL desires a "single
                                                                                                        expected out of DWH always or out of box            source of truth" approach,
                                                                                                        reports can be used as it is.                       where all daily, weekly and
                                                                                                                                                            monthly management
                                                                                                                                                            information comes from one
                                                                                                                                                            source. (i.e. the DWH),
                                                                                                                                                            however real time reporting
                                                                                                                                                            directly from CIS is required.
 75    Annexure 2    2.3         System should support management & scheduling tools for data           How frequently does the DWH have to be              Real time data may not be
       (DW)                      loads into the data warehouse, e.g. night batch, batches               refreshed? Is it required to have real time data    required, however the refresh is
                                 throughout the day.                                                    update to the data warehouse for any type of        required daily.
                                                                                                        source data? If yes please let us know which
                                                                                                        sources require real-time and which sources
                                                                                                        require batch update with frequency.


 76    Generic                   Generic on reports                                                     What is the approximate count of reports per        Will be provided/decided at the
                                                                                                        application that need to be built from DWH          time of implementation




Addendum 1                                                                          Page 8 of 37
Response to Vendor Queries                                                           Functional                                                                                      SBIGICL
 Sr.     Page #       Point /  Clarification point as stated in the tender document                            Comment/ Suggestion/ Deviation                            Response
 No.                 Section #
 77    Generic                 Generic on reports                                                       Please share the details of the breakup of U/W , Will be provided/decided at the
                                                                                                        Claim, TAC /regulatory, RI, Finance, Analytical  time of implementation
                                                                                                        reports/Executive dashboards for the Core
                                                                                                        Insurance -also with details of common reports
                                                                                                        or LOB specific reports along with reporting
                                                                                                        frequency over and above the illustrative list
                                                                                                        shared
 78    Generic                   Generic on data mining                                                 What kind of predictive modeling is envisaged        Will be provided/decided at the
                                                                                                        and how many data models would be needed             time of implementation. Vendor
                                                                                                                                                             is welcome to demonstrate
                                                                                                                                                             capabilities.
 79    Annexure 2   2.1          The system should have the capability to enhance the existing          What type of enhancement is expected? Pls            Utilisation of external data or
       (DW)                      data                                                                   share more details                                   calculated fields. E.g. customer
                                                                                                                                                             segment grouping
 80    Annexure 2   4.17         Ability to add free text on a report.                                  What type of free text is expected in report and The database should always
       (DW)                                                                                             will that free text to be stored in database to pick store all kinds of free text. The
                                                                                                        by report or it will be prompt. Is there a need of free text can take any form.
                                                                                                        write-back to database

 81    Annexure 2   1.8                                                                                 Information is incomplete.                           Support for protection against
       (DW)                                                                                                                                                  "runaway queries" (a run away
                                                                                                                                                             query is a query in which
                                                                                                                                                             causes system resources to be
                                                                                                                                                             fully consumed) Support to
                                                                                                                                                             define the use of upper-bound
                                                                                                                                                             time limits (parameterisable) on
                                                                                                                                                             the amount of time a query
                                                                                                                                                             executes. Should interface with
                                                                                                                                                             the enterprise data model to
                                                                                                                                                             capture as well as publish data
                                                                                                                                                             with other tools such as ETL
                                                                                                                                                             thereby avoiding point-point
                                                                                                                                                             integration.




 82    Annexure 2   2.15         The system should have the ability to create temporary and             Pl explain scenarios where temporary data marts Temporary data marts can be
       (DW)                      permanent data marts.                                                  would be required                               used to save space during
                                                                                                                                                        creation/generation of complex
                                                                                                                                                        reports
 83    Annexure 2   3            Metadata Management                                                    Is Operational metadata too needs capture?           Yes
       (DW)
 84    Annexure 2   4.19         The system should have a graphical data profile tool.                  Pl explain more on this point                        Displaying data in
       (DW)                                                                                                                                                  diagrams/chart types such as
                                                                                                                                                             pie charts, bar graphs, Radar,
                                                                                                                                                             Surface etc.
 85    Annexure 2   8, 9, 10 &   For the CRM requirements on                                            These have been mentioned only as single line Yes
       (CRM)        11           "Leads & Opportunity Management",                                      requirements. There are no detailed
                                 "Campaign Management",                                                 requirements provided. Keeping this is mind,
                                 "Activity Management" and                                              should the vendor assume and provide the
                                 "Issue Management"                                                     required Out of the Box functionality for the given
                                                                                                        modules. Please suggest
 86    Annexure 2   22           Data Mining                                                            Will there be any kind of data mining /predictive 1.Yes.
       (CRM)                                                                                            modeling which is expected for CRM. If yes, then 2. No. can't be determined
                                                                                                        how many predictive data models would be          currently
                                                                                                        needed
 87    Annexure 2   1.5, 1.8     Requirements on "Contact Id for a Lead" and "Profiling of Leads"       These actually seem to mean the following            Yes
       (Prospect)                                                                                       things will need to be done for Prospects. i.e.
                                                                                                        define the contact id for a "Prospect" and
                                                                                                        perform profiling of "prospect" for targeting.
                                                                                                        Please clarify
 88    Annexure 2   2.2                                                                                 Is complex filtering required (segmentation) for Yes
       (Prospect)                                                                                       the existing customers who need to be targeted
                                                                                                        in a campaign? Ex - Ability to define formulas to
                                                                                                        score customers or create segments

 89    Annexure 2   3.7          to produce reports regarding different status of leads / opportunity   What kind of customization is being looked at        Drag and Drop functionality to
       (Prospect)                                                                                       from end user perspective? please elaborate          customise to view specific
                                                                                                                                                             leads, areas, products etc

 90    Annexure 2   4.2                                                                                 What are the details of the integration which is     Can't be determined currently
       (Prospect)                                                                                       required with the Bank‟s/intermediary‟s client
                                                                                                        database?




Addendum 1                                                                          Page 9 of 37
Response to Vendor Queries                                                          Functional                                                                                 SBIGICL
 Sr.     Page #        Point /  Clarification point as stated in the tender document                          Comment/ Suggestion/ Deviation                       Response
 No.                  Section #
 91    Annexure 2    1          In case of Core insurance, will be the policies be first processed in Need to identify if Policies and supporting       Policies and supporting
       (Image                   the Core Application and then the documents be scanned in the         documents would be scanned and stored for         documents would be scanned
       Based                    Imaging system?                                                       later search /retrieval purpose or used for       and stored for later search
       Processing)                                                                                    Transaction processing                            /retrieval purpose & used for
                                                                                                                                                        Transaction processing


 92    Annexure 2    1                                                                               How many different document types would be         Will be provided/decided at the
       (Image                                                                                        processed in the Imaging system?                   time of implementation
       Based
       Processing)
 93    Annexure 2    1                                                                               How many concurrent users are we looking at        Will be provided/decided at the
       (Image                                                                                        for scanning?                                      time of implementation
       Based
       Processing)
 94    Annexure 2    1.1                                                                             1) Will scanning be done from branches or from
       (Image                                                                                        back office?
       Based                                                                                                                                            The system should be capable
       Processing)                                                                                                                                      of handling both.
 95    Annexure 2    1                                                                               Is there a requirement for color scanning?         Yes
       (Image
       Based
       Processing)
 96    Annexure 2    2.1                                                                             1) Why is there a need for a graphical interface   Graphical workflow is expected
       (Image                                                                                        for Imaging workflow?                              to ease the configuration of
       Based                                                                                         2) What activities would be performed in the       imaging tasks easily for the end
       Processing)                                                                                   Imaging workflow?                                  users.
                                                                                                                                                        The activities could include
                                                                                                                                                        scanning, indexing /
                                                                                                                                                        referencing, data entry in
                                                                                                                                                        application, verification /quality
                                                                                                                                                        check.


 97    Annexure 2    2.3         1) Are the relevant subject matter experts (SMEs) present only at   If back office is going to be performing the       In some cases, the case might
       (Image                    the back office? Under what situations would documents flow         function of a Records office, then physical        require referral / approval of
       Based                     physically to back office once it is scanned at locations?          records management tools /barcodes can be          Head Office. In such cases, the
       Processing)                                                                                   used to track the movement of paper                docs will flow to the back office.
                                                                                                                                                        Or in the case of cover note
                                                                                                                                                        inventory management, manual
                                                                                                                                                        paper cover notes may be
                                                                                                                                                        returned to a centralised
                                                                                                                                                        HO.System needs ability to flow
                                                                                                                                                        documents in any direction
                                                                                                                                                        based on bus. Requirements.




 98    Annexure 2    3                                                                               Would data entry be done by personnel at           Data entry may be done at any
       (Image                                                                                        various branches or at a back office?              one of our locations - that is
       Based                                                                                                                                            branch, back office, remote
       Processing)                                                                                                                                      location, Head office or others

 99    Annexure 2    3                                                                               Are the data entry and scanning User interfaces Yes
       (Image                                                                                        required to support multiple Indian languages?
       Based
       Processing)
 100   Annexure 2    5.2                                                                             Are we referring to Images being accessed     Referring to access of images
       (Image                                                                                        through the Core Insurance system or Document through the Core Insurance
       Based                                                                                         Management System?                            system which triggers the
       Processing)                                                                                                                                 workflow and mail of images as
                                                                                                                                                   a part of the workflow. The
                                                                                                                                                   integration between workflow /
                                                                                                                                                   imaging system and the CIS
                                                                                                                                                   should enable the mail of docs
                                                                                                                                                   as a part of the processing of
                                                                                                                                                   cases (e.g. underwriting /
                                                                                                                                                   claims, etc.)



 101   Annexure 2 10.3                                                                               Is the system also required to support scanning    Yes, Any documents of any
       (Contact                                                                                      of business cards?                                 size
       Management
       )
 102   Annexure 2    1.3                                                                             What is the volume of cover notes and proposal Can't be determined currently
       (Cover Note                                                                                   forms required to be scanned?
       Mgmt)




Addendum 1                                                                        Page 10 of 37
Response to Vendor Queries                                                         Functional                                                                                    SBIGICL
 Sr.     Page #        Point / Clarification point as stated in the tender document                        Comment/ Suggestion/ Deviation                            Response
 No.                 Section #
 103   Annexure 2   1.8                                                                             The system should support straight through     The system should support
       (Claims)                                                                                     processing of a proposal. What does this mean? straight through processing of a
                                                                                                                                                   claim. Straight through
                                                                                                                                                   processing is defined as a
                                                                                                                                                   mostly automated process with
                                                                                                                                                   minimal human intervention.
                                                                                                                                                   (simple claims vs complex).
                                                                                                                                                   Therefore any
                                                                                                                                                   intimations/invoicing or
                                                                                                                                                   documentation receipt may all
                                                                                                                                                   be automated.

 104   Annexure 2   14.1        System should provide support of OCR/ ICR to facilitate data entry Many Imaging software vendors do not provide          The system should be capable
       (Claims)                 in multiple languages. By this, do you require OCR /ICR to be      support for Indian languages                          of storing data in English and
                                performed on Indian languages other than English?                                                                        multiple Indian languages

 105   Annexure 2 12.1.18                                                                           Are photographs required to Scanned and stored       Yes
       (HR)                                                                                         in color?
 106   Annexure 2 1.1.4                                                                             Snail mail can be scanned and catalogued             Scanners / fax machines / multi
       (Incoming                                                                                    provided there is access to scanners / fax           function device or printers are
       and Outgoing                                                                                 machines / multi function device or printers with    to have scanning capabilities.
       Doc                                                                                          scanning capabilities                                Scanning capabilities to link
       Management                                                                                                                                        scanned documents into the
       )                                                                                                                                                 appropriate system and attach
                                                                                                                                                         to the relevant transaction.



 107   Annexure 2 1.2                                                                               Work queues can be a part of the Core                The work queues are like
       (Incoming                                                                                    Insurance application or the Document                pending tasks awaiting
       and Outgoing                                                                                 Management System. Please clarify what you           allocation to specific officers /
       Doc                                                                                          mean by the 'system'. Will the Core Insurance        personnel of SBIGICL. Core
       Management                                                                                   application be the main interface that will be       Insurance system will be the
       )                                                                                            accessed by all Users of SBI GI?                     mail system accessed by the
                                                                                                                                                         users. There should be an
                                                                                                                                                         ability to group certain users
                                                                                                                                                         into teams and allocate to
                                                                                                                                                         appropriate Business area.


 108   Annexure 2 1.7                                                                               1) Are we referring to image quality of quality of   1. We want to set and track the
       (Incoming                                                                                    the physical document itself?                        quality of a document itself.
       and Outgoing                                                                                 2) Where would this activity be typical              2. This activity would be ideally
       Doc                                                                                          performed?                                           carried out at any data entry
       Management                                                                                                                                        site
       )


 109   Annexure 2 2.8                                                                               Will bulk printing / mail room activities occur out Can be either
       (Incoming                                                                                    of the Data center /back office or can happen out
       and Outgoing                                                                                 of multiple offices?
       Doc
       Management
       )


 110   Annexure 2 - 6.8         The system should support unified communication through multiple Need more clarity on this requirement, especially Self explanatory
       Quote                    channels of communication such as email, fax, snail mail, SMS    on the snail mail and SMS part within the UC
                                etc.                                                             context
 111   Annexure 2 - 1.12        Statistical tracking and projection                                 Request to please provide more details on the        Will be provided/decided at the
       Functional                                                                                   type of statistical data required                    time of implementation
       Requirement
       s
 112   Annexure 2 - 1.16        Hot line facility                                                   Request to clarify the exact requirement of          In case of an emergency e.g.
       Functional                                                                                   having hot line facility in contact center?          Mumbai floods, SBIGICL might
       Requirement                                                                                                                                       want to create a hotline for all
       s                                                                                                                                                 flood claims under policies
                                                                                                                                                         covered on their books. The hot
                                                                                                                                                         line will basically expedite the
                                                                                                                                                         claims workflow.


 113   Annexure 2 - 2.1         Integration with the IVR/"Quematic system" for Customer Servicing Request to clarify the scope / functionalities of      Quematic is a system which
       Functional                                                                                 the Quematic system. What is the interface             handles customer traffic at a
       Requirement                                                                                provided by Quematic system?                           branch location providing the
       s                                                                                                                                                 customer with a numbered
                                                                                                                                                         docket. It controls the flow of
                                                                                                                                                         customers to the counter staff.


 114   Annexure 2 - 2.7         Support for video conferencing facility                             Request clarify the users for the video capability Will be provided/decided at the
       Functional                                                                                                                                      time of implementation
       Requirement
       s




Addendum 1                                                                       Page 11 of 37
Response to Vendor Queries                                                        Functional                                                                                   SBIGICL
 Sr.        Page #     Point / Clarification point as stated in the tender document                       Comment/ Suggestion/ Deviation                           Response
 No.                 Section #
 115   Annexure 2 - 5.3        Issue Tracking                                                      More details required on the type of issues for      At the time of Business
       Customer                                                                                    which report is required                             Requirement Study
       contact
       centers
 116   Annexure 2 - 5.4         Training Quality                                                   Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 117   Annexure 2 - 5.6         Staffing/Scheduling                                                Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 118   Annexure 2 - 5.7         Quality                                                            Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 119   Annexure 2 - 5.8         Performance management/ morale                                     Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 120   Annexure 2 - 5.1         IT infrastructure (outages)                                        Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 121   Annexure 2 - 5.11        Security Compliance                                                Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 122   Annexure 2 - 5.12        Process Quality                                                    Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 123   Annexure 2 - 5.13        Process Improvement                                                Request to please provide detailed scope of this At the time of Business
       Customer                                                                                    desired functionality                            Requirement Study
       contact
       centers
 124   47            4.2                                                                           DO we require to integrate SMS in Call center.       Yes

 125   Annexure 2 - General                                                                        How many workflows are expected to be initated Not possible to provide. This
       Workflow                                                                                    on a daily basis ? ( including claims processing requirement needs to be
                                                                                                   & other operational workflows relating to        scalable as the business grows.
                                                                                                   insurance ).
 126   Annexure 2 - 9           It should be possible to set up SLA‟s and track them. The system   Would SLA tracking be required for all workflow      SLA tracking could be required
       Workflow                 should support tracking of SLA‟s at 2 levels and should produce    transactions or would it be selectively disabled /   for all workflow transactions or
                                audit reports as well as alerts and warnings when SLAs are         enabled ?                                            it could be selectively disabled /
                                breached.                                                                                                               enabled. System should also
                                                                                                                                                        facilitate the amendment of
                                                                                                                                                        SLA's


 127   Annexure 2 - 20          The system should support different parameters for Workflow        Please specify some of the expected parameters e.g. fire proposals with SI >
       Workflow                 Authorization Matrix                                               considering the Workflow Authorization Matrix  Rs.2 cr needs to be escalated
                                                                                                   Req ?                                          to underwriting asst. manager
                                                                                                                                                  for approval. Also, Payments
                                                                                                                                                  need authorising by a higher
                                                                                                                                                  authority holder once someone
                                                                                                                                                  else has raised/prepared them.
                                                                                                                                                  2 or more step process
                                                                                                                                                  depending on quantum.



 128   Annexure 2 - 23          The system should be able to generate work lists based on work     Generation of work lists based on work               Yes ad-hoc reporting
       Workflow                 accepted, allocated to, and outstanding for a user/user            accepted, allocated to, and outstanding for a        requirement. An example of this
                                group/contact/contact group.                                       user/user group/contact/contact group. Is this       would be a dynamic "to do list",
                                                                                                   type of an ad-hoc reporting requirement. Please      which is a type of report used
                                                                                                   confirm ?                                            by staff/suppliers to keep track
                                                                                                                                                        of work allocated to them


 129   Annexure 2 - 24.2        The system should be able to report on SLA and dashboard        Analytics Reporting. Is the reporting supposed to Dashboard reports are usually
       Workflow     24.3        performance to the SLA's set up in the system.The system should be online or scheduled end-of-day activity ?      real time. Should be available to
                                be capable of reporting on TATs                                                                                   view at any time with daily
                                                                                                                                                  activities.
 130   Annexure 2 - General                                                                        Do we have an approximate type of workflows          Not possible to provide
       Workflow                                                                                    across all systems?




Addendum 1                                                                     Page 12 of 37
Response to Vendor Queries                                                         Functional                                                                                   SBIGICL
 Sr.     Page #       Point /  Clarification point as stated in the tender document                         Comment/ Suggestion/ Deviation                          Response
 No.                 Section #
 131   Annexure 2 - General                                                                          What is the maximum retention period for which The system should store all
       Incoming /                                                                                    a document needs to be maintained in the       documents indefinitely. There
       Outgoing Doc                                                                                  system ?                                       should be an archiving
       Mgmt                                                                                                                                         framework which can allow for
                                                                                                                                                    extraction at any point.


 132   Annexure 2 - General                                                                          Approx how many document transactions will be Can't be determined currently
       Incoming /                                                                                    done on a daily basis. How many documents will
       Outgoing Doc                                                                                  be expected to be managed in the Document
       Mgmt                                                                                          Repository ? What are the YOY expected growth
                                                                                                     volumes ?
 133   Annexure 2 - General                                                                          What are the security features expected from the    Encryption of data is not
       Incoming /                                                                                    DMS ? Apart from authentication/ authorization/     required; however the Vendor's
       Outgoing Doc                                                                                  access criteria is there need for content           solution should encrypt the data
       Mgmt                                                                                          encryption ?                                        while transmitting across the
                                                                                                                                                         network.


 134   Annexure 2 - General                                                                          On a maximum, how many versions of a                Can't be determined currently
       Incoming /                                                                                    document will be maintained in the system ?         but the system should be
       Outgoing Doc                                                                                                                                      capable of maintaining multiple
       Mgmt                                                                                                                                              versions of each document.

 135   Annexure 2 - General                                                                          Is there any need for digital signatures on         Yes
       Incoming /                                                                                    documents ?
       Outgoing Doc
       Mgmt
 136   Annexure 2 - General                                                                          Is there any requirment for managing digital       Yes
       Incoming /                                                                                    assets like video, high-resolution images ( eg for
       Outgoing Doc                                                                                  Learning Mgmt ) within the DMS ?
       Mgmt
 137   Annexure 2 - General                                                                          Please specify some of the most important       At the time of Business
       Incoming /                                                                                    document types that will be managed in the      Requirement Study
       Outgoing Doc                                                                                  Document Management System ? What
       Mgmt                                                                                          metadata is expected to be associated with each
                                                                                                     document ?
 138   Annexure 2 - 1.1.2       The system should be able to catalogue emails to a contact           Cataloguing emails. Does this mean that based       Yes
       Incoming /               automatically if the subject or the body of the message contains     on any identifiable information in the email, the
       Outgoing Doc             the contact id, policy number, certificate number, claim number,     mail should automatically be classified as
       Mgmt                     car registration number or the previous interaction id.              belonging to communication assets for that
                                                                                                     contact ?
 139   Annexure 2 - 1.1.3       The system should be integrated with the fax server so as retrieve   Automatic Fax Processing. Are these bar-codes Refer to Annexure 2, sheet
       Incoming /               all faxes received on specified numbers (multiple). The faxes so     standardized. After reading the bar-code, is the Incoming and Outgoing Doc
       Outgoing Doc             retrieved should be converted into emails wherein the fax message    system supposed to just record that information Mgmt, point 2.8
       Mgmt                     is attached in the email as a predefined document format such as     or perform any classification/cataloguing action
                                a PDF, MS Word Document, TIFF etc. If there are any barcodes in      as well ?
                                the fax then the same should be read automatically.


 140   Annexure 2 - 1.1.5       The system should be integrated with the phone PBX so as to          CTR & IVR support. Please elaborate more on         Refer to Annexure 2, sheet
       Incoming /               support CTI and IVR technologies for incoming phone calls.           the requirement here. What actions need to be       Customer Contact Centre
       Outgoing Doc                                                                                  taken via these phone call integrations ?
       Mgmt
 141   Annexure 2 - 1.1.7       The system should support voice to text technology to convert        Phone/IVR based Voice -> Text conversion            Good to have feature
       Incoming /               voicemails, web-chats and phone conversations to text to store
       Outgoing Doc             with the contact ID.                                                 This might be challenging & probably
       Mgmt                                                                                          impracticable considering current technology,
                                                                                                     implementation scale and conversion support for
                                                                                                     various languages.
 142   Annexure 2 - 1.2         Based on the catalogued information such as product, contact,        Processing queue creation. Will this be a           Business rule driven
       Incoming /               reason the system should facilitate creation of appropriate          manually initiated activity or business rule-
       Outgoing Doc             processing queues.                                                   driven.
       Mgmt
 143   Annexure 2 - General                                                                          Please provide Volumetric information:              1.Yes
       Incoming /                                                                                    1. Do we require full text indexing?                2. Yes both colour and gray
       Outgoing Doc                                                                                  2. Do we need to store documents in BW or           scale
       Mgmt                                                                                          Color or grey scale? If possible provide the        3. will be determined at the time
                                                                                                     proportion of BW, Grey scale and color images       of Business Requirement Study
                                                                                                     3. Give us the growth rate for document volume      4. will be determined at the time
                                                                                                     every year                                          of Business Requirement Study
                                                                                                     4. Give us the growth rate for users every year



 144   Annexure 2 - General                                                                          Is there a requirement for Information Rights       Yes
       Incoming /                                                                                    Management?
       Outgoing Doc
       Mgmt




Addendum 1                                                                       Page 13 of 37
Response to Vendor Queries                                                          Functional                                                                                   SBIGICL
 Sr.     Page #       Point /  Clarification point as stated in the tender document                         Comment/ Suggestion/ Deviation                          Response
 No.                 Section #
 145   Annexure 2 - General                                                                          Please specify existing volume of backlog          Does not apply as we are a
       Image Based                                                                                   documents to be scanned / digitized?               new business.
       Processing

 146   Annexure 2 - 1           Scanning                                                             Is scanning required in colour mode or only BW     This will be document type
       Image Based                                                                                   or grey scale?                                     specific. Majority of document
       Processing                                                                                                                                       types will be in BW/Grey scale,
                                                                                                                                                        but any documents where
                                                                                                                                                        colour is an important
                                                                                                                                                        component (e.g. claim scene
                                                                                                                                                        photos, damage to a vehicle)
                                                                                                                                                        will need to be scanned and
                                                                                                                                                        stored in colour.


 147   Annexure 2 - 1.2         The system should be able to read barcodes at the time of            Barcode scanning& catalogue creation. What is      Catalogue creation indicates
       Image Based              scanning and accordingly create catalogues.                          implied by a "catalogue' here ?                    the ability to generate
       Processing                                                                                                                                       referencing for each scanned
                                                                                                                                                        document.
 148   Annexure 2 - 3.3         The system should support OCR/ICR.                                   ICR/OCR                                            1. The forms are going to be
       Image Based                                                                                   Are the forms received in English language or      received in English language
       Processing                                                                                    are there vernacular language forms also being     and vernacular language all
                                                                                                     scanned ? Is OCR required for all fields or only   types need to be scanned.
                                                                                                     key fields ?                                       2. OCR required for all fields.
 149   Annexure 2 - General                                                                          What would be the total number of scan             Not possible to provide
       Image Based                                                                                   locations across india?
       Processing

 150   Annexure 2 - General                                                                          Provide us the total number of users and number Not possible to provide
       Image Based                                                                                   of concurrent users
       Processing

 151   Annexure 2 - General                                                                          Provide us the growth rate of number of total      Not possible to provide
       Image Based                                                                                   users and concurrent users
       Processing

 152   Annexure 2 - 1.10        It should be possible to monitor the usage of web portal by different Web Portal Monitoring. Please elaborate what      The system should be able to
       Web Portal               types of contacts as well as individual users for the purpose of      aspects need to be monitored ? What is being      monitor and provide real time
                                security management, online behavioral analysis and dynamic           meant by "dynamic information provision           information.
                                information provision
 153   Annexure 2 - 1.12        Should provide integration with email facility to enable users of web Email facility. Should users be provided with     Not possible to provide
       Web Portal               portal to write mail online.                                          their own inboxes.Can we also get a split of
                                                                                                      heavy, medium, low mail users.
 154   Annexure 2 - General                                                                          Is there is a requirement for Web content          Yes
       Web Portal                                                                                    management?
 155   Annexure 2 - 10.11       The system should be capable of integrating with a database          Please elaborate which address database is         Will be provided/decided at the
       Contact                  where automatic address pre-population could be done.                intended to be used for pre-population of          time of implementation
       Mgmt                                                                                          addresses in India?
 156   Annexure 2 - 11.2        Premium rating tables (as a % of Sum Insured, flat rate,             Will SBI business users maintain the Master        Yes
       Product                  occupation grading, vehicle category etc.)                           Product data E.g.. Premium Rating tables and
       Configurator                                                                                  do they require GUI for the same?

 157   Annexure 2 - 4           The system should be capable of defining the structure of products Is there a requirement for GUI features to           Yes
       Product                  down to „n‟ levels e.g. product, LoB, peril type, cover type, risk ID achieve this functionality?
       Configurator             etc.

 158   Annexure 2 - 14          There should be provision to test rating changes before making       What is the output that you expect from the        We would expect that the
       Product                  changes to see the impact on current book of business – the          system for a 'What if' analysis? We are            scenario analysis will be applied
       Configurator             system should be capable of doing „what if‟ analysis at whole of     assuming that business users will have access      to the entire portfolio - that is all
                                portfolio and individual segment level.                              to a Test environment where they can see the       live policies will be put through
                                                                                                     outcome of the changes introduced to a product.    the proposed changes and
                                                                                                     Please elaborate if you have a different           summary reporting will be
                                                                                                     requirement.                                       available from a change in
                                                                                                                                                        premium reporting perspective.
                                                                                                                                                        Also, the impact on the product
                                                                                                                                                        / portfolio results, such as
                                                                                                                                                        claims ratio performance should
                                                                                                                                                        be able to be derived. It is not
                                                                                                                                                        just some test cases which can
                                                                                                                                                        be tested in the Test
                                                                                                                                                        Environment.




Addendum 1                                                                       Page 14 of 37
Response to Vendor Queries                                                          Functional                                                                                SBIGICL
 Sr.      Page #      Point /  Clarification point as stated in the tender document                         Comment/ Suggestion/ Deviation                        Response
 No.                 Section #
 159   Annexure 2 - 2          The Contact database should not be part of CIS (e.g. claims,          It is mentioned that the contact database must    The requirement is to have a
       Contact                 product, underwriting, distribution, etc.) and instead should be      not be part of CIS. Do you intend to use your     Customer Information Module
       Mgmt                    independent of CIS and should be linked to the common Contact         existing SBI Life CRM or would you keep it        which can be used by multiple
                               database/Contact management system.                                   separate for SBI General Insurance.               modules or systems. The CRM
                                                                                                                                                       will have existing clients as well
                                                                                                                                                       as prospects which will be used
                                                                                                                                                       for marketing / selling for
                                                                                                                                                       targetted campaigns.


 160   Annexure 2 - 14.9         Wherever multiple contact records have been created for the same This requirement is incomplete.                      Wherever multiple contact
       Contact                   entity, there should be a provision to identify and merge such                                                        records have been created for
       Mgmt                      contacts by an easy drag and drop process using a GUI. When                                                           the same entity, there should be
                                 two or more contact records are being merged, the system should                                                       a provision to identify and
                                 eff                                                                                                                   merge such contacts by an
                                                                                                                                                       easy drag and drop process
                                                                                                                                                       using a GUI. When two or more
                                                                                                                                                       contact records are being
                                                                                                                                                       merged, the system should
                                                                                                                                                       efficiently handle issues such
                                                                                                                                                       as which address, telephone,
                                                                                                                                                       email address etc. to be
                                                                                                                                                       retained in the final record
                                                                                                                                                       based on the event log - this
                                                                                                                                                       should be GUI driven.




 161   Annexure 2- 1.2.24        The system should support link -up and verification (e.g. stolen    Please provide information on the third party     Will be provided/decided at the
       Policy                    vehicle register, motor dealers guide)with Third Party databases    database you intend to use for stolen vehicle     time of implementation
       Administratio                                                                                 register and motor dealers guide
       n

 162   Annexure 2- 2.4           System should enable computation of change in premium based         Do you have a requirement for out of sequence     Yes
       Policy                    on either the start date of the current policy or effective date of endorsements?
       Administratio             endorsement determined by pre-defined rules including by product,
       n                         channel, role, etc.

 163   Annexure 2- 1.6           The system should not allow multi branding with different suppliers. Please elaborate on this requirement             The system should enable to fix
       Supply Chain              [1]                                                                                                                   the branding and imaging
       Management                                                                                                                                      related aspects to enable single
       Configuration                                                                                                                                   branding of SBIGICL. A
       (Repairers/S                                                                                                                                    supplier should not be able to
       ervice                                                                                                                                          attach the SBIGICL brand to
       Providers                                                                                                                                       any of his documentation. Any
       etc.)                                                                                                                                           of our electronic branded
                                                                                                                                                       documentation should have the
                                                                                                                                                       brand protected from copying.
                                                                                                                                                       The system should allow for
                                                                                                                                                       multi-branding of documents.



 164   Annexure 2 -                                                                                  Row 111 in the Contact Mgmt worksheet             Customers should be able to
       Quote and                                                                                     mentions that the customers can buy policies      purchase SBIGICL products on
       Contact                                                                                       directly from the web. This however is not        the web. So these products will
       Mgmt                                                                                          explicitly mentioned in the Quote Worksheet.Can   generally be STP driven but
                                                                                                     you please explain?                               there will also be rules to notify
                                                                                                                                                       whether a case needs to be
                                                                                                                                                       referred and manually
                                                                                                                                                       underwritten


 165   Annexure 2 - 1.8.17       The system should allow dynamic drop downs in the data entry        Incomplete statement                              The system should allow
       Quote                     screens. e.g. if the vehicle make is entered then in the vehicle                                                      dynamic drop downs in the data
                                 model drop down the values displayed should only be those                                                             entry screens. e.g. if the vehicle
                                 models which are associated with the selected make. The                                                               make is entered then in the
                                 dynamic drop d                                                                                                        vehicle model drop down the
                                                                                                                                                       values displayed should only be
                                                                                                                                                       those models which are
                                                                                                                                                       associated with the selected
                                                                                                                                                       make. The dynamic drop
                                                                                                                                                       downs should be GUI driven.



 166   Annexure 2 - 5.22         The system should enable integration with external rating engines / What are the different kinds of rating            Can't be determined currently.
       Quote                     tools. This should be supported with well defined interfaces.       engines/tools with which the system has to        We require the functionality to
                                                                                                     interface with.                                   link with an independent
                                                                                                                                                       system.




Addendum 1                                                                        Page 15 of 37
Response to Vendor Queries                                                         Functional                                                                                    SBIGICL
 Sr.      Page #       Point / Clarification point as stated in the tender document                         Comment/ Suggestion/ Deviation                           Response
 No.                 Section #
 167   Annexure 2 - 15         The system should facilitate communication with third parties like    Which are the transactions that customers can       Will be provided/decided at the
       Billing                 banks and credit card companies. It should be able to receive files   do in the Web Portal? Is the requirement            time of implementation
       Collection              in multiple formats and upload the data.                              mentioned in Worksheet Billing Collection and
       and                                                                                           Payments applicable for customers?
       Payment`s


 168   Annexure2 – 2.2            System should provide tools and process to configure data          What is meant by data movement code?                Code for data allocation
       DW                         movement code
 169   Annexure2 – 2.5.19         Any Other System                                                   Please elaborate any other system. Is it there      TAC, IRDA systems. Needed
       DW                                                                                            from futuristic purposes or any other application   also for futuristic possibilities
                                                                                                     from where the data needs to be sourced.

 170   Annexure2 – 5.4            Data Mining Requirements                                           Data Mining required? What are the data mining Will be provided/decided at the
       DW                                                                                            algorithms that need to be supported. How many time of implementation
                                                                                                     data models are required for data mining What
                                                                                                     are the number of data mining users

 171   Annexure 2 -               Reports                                                            What is the total number of reports.(Various        Will be provided/decided at the
       Appendix A2                                                                                   Exceptional reports).                               time of implementation

 172   Annexure 2 -                                                                                  List of applications to be exposed on Portal?       Will be provided/decided at the
       Functional                                                                                                                                        time of implementation
       Requirement
       s (Portal )
 173   Annexure 2-            23 "The system should be able to generate work lists based on work     Can you please elaborate the same. Are              It might be different reports or a
       "Workflow"                accepted, allocated to, and outstanding for a user/user             different types of reports desired here?            single report with filtering. We
       Tab                       group/contact/contact group."                                                                                           would need flexibility to define
                                                                                                                                                         this based on the report and
                                                                                                                                                         who will access it.


 174   1 - Data                                                                                      Need to have input on the Data Sizing           Not possible to provide
       Warehouse                                                                                     Raw DataSize
       Architecture                                                                                  1. Initial Data to be loaded in DWH/DM (Target)
                                                                                                     2. Daily Raw Datagrowth (GB/Day)
                                                                                                     3. # of Years to keep online (Retention)
                                                                                                     Users and Loads - Both for Power and
                                                                                                     Medium
                                                                                                     Concurrent Users
                                                                                                     Concurrent user Growth % per Year
                                                                                                     # of Years for Growth to be considered
                                                                                                     Queries - Both for Power and Medium
                                                                                                     # of Concurrent Queries per Hour
                                                                                                     Query Workload ( Pick one which best
                                                                                                     depicts the query load in your organization)
                                                                                                     Light/Medium/Complex
                                                                                                     1. Light made up of 90% simple queries, 7
                                                                                                     %medium queries and 3%complex queries.
                                                                                                     2. Medium made up of 70% simple queries, 20%
                                                                                                     medium queries and 10% complex queries.
                                                                                                     3. Heavy made up of 50% simple queries, 30%
                                                                                                     medium queries and 20% complex queries.
                                                                                                     Data Sources
                                                                                                     ETL Parameters
                                                                                                     When ETL will be done (Day/Night/Both)
                                                                                                     Time Period for ETL
                                                                                                     Time to complete ETL - Day
                                                                                                     # of refreshes in a day
                                                                                                     Time to complete ETL - Night

                                                                                                     Environment
                                                                                                     Platform Required
                                                                                                     Operating System
                                                                                                     Is 24x7 availability required?
                                                                                                     Is ILM Concept to be recommended
                                                                                                     Do you require Backup Policy




Addendum 1                                                                       Page 16 of 37
Response to Vendor Queries                                                             Functional                                                                                 SBIGICL
 Sr.      Page #       Point /    Clarification point as stated in the tender document                         Comment/ Suggestion/ Deviation                        Response
 No.                 Section #
 175   Annexure 2 - 11.1/Conta    It should be possible to enter user defined multiple details of the   The sentence seems not complete. Request SBI It should be possible to enter
       Sheet 4      ct            contact. The details should be localized and country specific. E.g.   to clarify                                   user defined multiple details of
                    Manageme      the address fields should support the address format commonly                                                      the contact. The details should
                    nt            used in the country of contacts residence. Similarly, it                                                           be localized and country
                                                                                                                                                     specific. E.g. the address fields
                                                                                                                                                     should support the address
                                                                                                                                                     format commonly used in the
                                                                                                                                                     country of contacts residence.
                                                                                                                                                     Similarly, it should be possible
                                                                                                                                                     to specify whether name should
                                                                                                                                                     be last name–first name-middle
                                                                                                                                                     name order or first name-
                                                                                                                                                     middle name-last name last
                                                                                                                                                     name order. For corporate
                                                                                                                                                     entities, the name should be a
                                                                                                                                                     single field.




 176   Annexure 2 - 11.2/Conta    The details captured should be user-definable based on the role       The sentence seems not complete. Request SBI The details captured should be
       Sheet 4      ct            and type of contact. E.g. based on the type of contact: if the        to clarify                                   user-definable based on the
                    Manageme      contact is an individual then his date of birth should be captured.                                                role and type of contact. E.g.
                    nt            Similarly based on role: the information captured for a re-i                                                       based on the type of contact: if
                                                                                                                                                     the contact is an individual then
                                                                                                                                                     his date of birth should be
                                                                                                                                                     captured. Similarly based on
                                                                                                                                                     role: the information captured
                                                                                                                                                     for a re-insurer will be different
                                                                                                                                                     than the information captured
                                                                                                                                                     for a TPA. E.g. In case of an
                                                                                                                                                     Agent or Broker, their
                                                                                                                                                     registration number will be
                                                                                                                                                     required.


 177   Annexure 2 - 12.4.b/Con    E.g. (b) A particular Relationship Manager may leave the company The sentence seems not complete. Request               E.g. (b) A particular
       Sheet 4      tact          or may be transferred to another location as a result the        SBI to clarify                                         Relationship Manager may
                    Manageme      Relationship Manager of a large number of Contact will undergo a                                                        leave the company or may be
                    nt            change. It may not be possible to make such changes for every                                                           transferred to another location
                                  indiv                                                                                                                   as a result the Relationship
                                                                                                                                                          Manager of a large number of
                                                                                                                                                          Contact will undergo a change.
                                                                                                                                                          It may not be possible to make
                                                                                                                                                          such changes for every
                                                                                                                                                          individual contact.


 178   Annexufre 2 - 10.2/Quote The system should be able to validate authenticity of such              What kind of authenticity validation is expected? System should maintain an
       Sheet 6                  transactions.                                                                                                             audit trail and record the user
                                                                                                                                                          ID and pwd being used by the
                                                                                                                                                          channel for access. System
                                                                                                                                                          should not allow beyond
                                                                                                                                                          authority transactions.


 179   Annexure 2 - 9.4/ Cover System captured acknowledgement of receipt of blank cover note           What is the meaning of "Vault"?                   SBIGICL physical vault
       Sheet 8      Note Mgmt books by custodians of vault
 180   Annexure 2 - 14.9/Claim It should be possible to annotate documents by business defined          What is the meaning of "annotate"?                Annotate means ability to
       Sheet 13                rules and authority levels.                                                                                                highlight specific text / put notes
                                                                                                                                                          on the documents
 181   Annexure 2 - 14.12.21/Cl The system should support maker-authorizer validation at each           Does the "maker-authorizer validation" mean       Two stage processing for
       Sheet 13     aim         business defined stage of data entry / claims processes.                cross check?                                      certain processes. E.g.. One
                                                                                                                                                          person prepares payment,
                                                                                                                                                          another authorises.
 182   Annexure 2 - 6/Reinsuran Users should be able to configure application of RI at risk item or     What is the meaning of "configure application of RI standards for Re-Insurance
       Sheet 14     ce          policy level or at product portfolio level. The system should           RI"?
                                facilitate this via a GUI.
 183   Annexure 2 - 19/Reinsura The system should be able to handle commutation, both complete Please give detailed explanation of                        A commutation is a transaction
       Sheet 14     nce         and partial                                                    "commutation".                                             in which policyholders or
                                                                                                                                                          insurers surrender all rights and
                                                                                                                                                          are relieved from all obligations
                                                                                                                                                          under an insurance or
                                                                                                                                                          reinsurance contract in
                                                                                                                                                          exchange for a single current
                                                                                                                                                          payment


 184   Annexure 2 - 87/Insuranc The system should have a provision to mark the % share of               Please explain the item in details.               % share of Co-insurance
       Sheet 20     e Acct      SBIGICL. The liability & premium % should get updated
                                accordingly.




Addendum 1                                                                          Page 17 of 37
Response to Vendor Queries                                                           Functional                                                                                SBIGICL
 Sr.      Page #       Point /  Clarification point as stated in the tender document                       Comment/ Suggestion/ Deviation                   Response
 No.                 Section #
 185   Annexure 2 - 88/Insuranc The system should have a provision to override the premium         The sentence seems not complete. Request SBI This is intended for premiums
       Sheet 20     e Acct      %.This should however be allowed to an authorized set of Id. Only. to clarify                                   received where there is a
                                                                                                                                                difference to the system stored
                                                                                                                                                premium figure required for the
                                                                                                                                                transaction. In such cases, if
                                                                                                                                                the amount received is within a
                                                                                                                                                X% range to the premium
                                                                                                                                                requested, the system should
                                                                                                                                                enable automatic write off of the
                                                                                                                                                difference.



 186   Annexure 2 - 112/Insuran Finance invokes the BG and post collection from the respective     The sentence seems not complete. Request SBI No change envisaged
       Sheet 20     ce Acct     issuing authority, updates the status as “Payment received against to clarify
                                the BG” against all the transactions that have been booked using
                                the BG. System to facilitate this

 187   Annexure 2 - 7/Master      Ability to perform regular master database maintenance through:      What is the meaning of "%age duplicate           Percentage duplicate matches
       Sheet 31     Creation      a) search facility for %age duplicate matches based on               matches“?                                        would enable identification of all
                                  combination rules                                                                                                     the cases where there are
                                  b) data clensing facility to identify formats for fields and                                                          duplicate entries
                                  inconsistency for data fields updated automatically


 188   Re Insurance    3.1.3.3.   Claims made basis (covers all claims reported to an insurer within Claims made and loss occurring basis(3.1.3.2)      They are different. Note letters
                                  the policy period irrespective of when they occurred).             no variance. Please validate                       in bold.
                                                                                                                                                        3.1.3.2. Loss occurring basis
                                                                                                                                                        (all claims occurring during the
                                                                                                                                                        period of the contract,
                                                                                                                                                        irrespective of when the
                                                                                                                                                        underlying policies incepted,
                                                                                                                                                        are covered). Refers to RI
                                                                                                                                                        contract
                                                                                                                                                        3.1.3.3. Claims made basis
                                                                                                                                                        (covers all claims reported to
                                                                                                                                                        an insurer within the policy
                                                                                                                                                        period irrespective of when they
                                                                                                                                                        occurred).

 189   Claims           5.        The claims module needs to be web enabled and to support all         Needs clarity                                    Needs to support web based
                                  transactions with other external web based applications.                                                              B2B and B2C applications

 190   Claims           7.        The system should provide a duplicate of the production            Updated Automatically - Relevance of the same. For clarity: The system should
                                  environment (including system architecture and data) dedicated for Does it mean production and training to in sink? create a test environment
                                  training purposes which should be updated automatically.           Then any data entered in training will be lost.  based on the test environment
                                                                                                                                                      for the system architecture, and
                                                                                                                                                      migrate live policy/claims data
                                                                                                                                                      from the production
                                                                                                                                                      environment on a regular basis.
                                                                                                                                                      The data will be a subset of the
                                                                                                                                                      total data that is available, and
                                                                                                                                                      the requirements for the data to
                                                                                                                                                      be migrated and the frequency
                                                                                                                                                      will need to be user definable.
                                                                                                                                                      Following the extraction of initial
                                                                                                                                                      data future production data
                                                                                                                                                      updates based on user
                                                                                                                                                      definition maybe just capturing
                                                                                                                                                      any changes since last upload.
                                                                                                                                                      The created test cases will
                                                                                                                                                      remain, and any new data that
                                                                                                                                                      is being synched will just
                                                                                                                                                      append to the existing data.




 191   Claims           8.        At any point during the claims process the system should allow   Needs clarity                                        Will be provided/decided at the
                                  intimation, through any mode of communication to any party based                                                      time of implementation
                                  on predefined rules.
 192   Claims          14.12.1.   The system should allow for direct upload into claims data fields of Needs clarity                                    Bulk processed claims could be
                                  the details and individual claims associated with bulk processed                                                      triggered by a CAT event
                                  claims (i.e. Bordereaux claims)
 193   Claims          15.3.      The system should enable re-instating the contact automatically if   How and when the data becomes dormant            Will be defined when preparing
                                  there is a transaction allocated to the dormant data                                                                  detailed technical requirements




Addendum 1                                                                         Page 18 of 37
Response to Vendor Queries                                                          Functional                                                                                        SBIGICL
 Sr.     Page #        Point /  Clarification point as stated in the tender document                          Comment/ Suggestion/ Deviation                             Response
 No.                  Section #
 194   Claims          20.5.     The secondary estimate should be automatically adjusted after a      payment to be made only against secondary              Yes
                                partial claim payment is made and a new estimate amount should        estimates?. Standard estimates are only for
                                be given by the system which may be accepted or modified by the       comparison /reporting purpose. Rules if any in
                                user. The history should be stored. If the secondary estimate         creation of secondary estimate can be detailed.
                                amount is modified, then the system suggested amount and the
                                user modified amount should be stored.


 195   Claims          23.3.     The claim cannot be closed unless the secondary estimate equals payment to be made only against secondary                   Yes
                                 zero.                                                           estimates?. Standard estimates are only for
                                                                                                 comparison /reporting purpose. Rules if any in
                                                                                                 creation of secondary estimate can be detailed.

 196   Claims          29.8.     The systems should be able to measure and track productivity of      Productivity what criteria and set where and           Will be provided/decided at the
                                 individual users and display the same on screens, and allow for it   when                                                   time of implementation
                                 to be reportable to management on a periodic or real-time basis.

 197   Commission-       8.1     The system should be able to generate reports on commissions         CSE ?                                                  Customer Sales Executive
       Incentives                paid, commissions due, commissions accrued at channel partner,
                                 region, CSE, product/LoB/peril type/cover type

 198   Policy Admin    1.2.20.   The System should support creation of simplified and detailed data Simplified or detailed data entry both or either         Will be provided/decided at the
                                 entry by customer segment / channel / product                      one for every product depending on customer              time of implementation
                                                                                                    segment/channel. Expectation of simplified and
                                                                                                    detailed not clear
 199   Policy Admin    1.2.26.   The system should allow extensive validity checks for data entered Needs clarity on parsing and standardization on          Parsing and standardisation of
                                 through criteria like range, alphabets, etc. The rules should be   data entry.                                              names, addresses and other
                                 managed through GUI, and should facilitate parsing and                                                                      data such as telephone
                                 standardization.                                                                                                            numbers, DOB, etc

 200   Policy Admin    1.4.      Know Your Customer (KYC) & Anti Money Laundering (AML)               Expectations or Macro level requirements on            Will be provided/decided at the
                                                                                                      KYC or AML not given                                   time of implementation
 201   Policy Admin    1.6.2.    The system should check for adequacy of reinsurance, premium         Explain acceptance of counter offer.                   Counter offer for renewal
                                 paid and acceptance of counter offer.                                                                                       premium, made by the client at
                                                                                                                                                             time of renewal
 202   Policy Admin    1.7.      Inventory Management                                                 Not clear                                              Self explanatory

 203   Policy Admin    1.7.1.    The system should be able to facilitate inventory management of      Bar coding and inventory management with               All documents whether
                                 all incoming and outgoing documents.                                 respect to out going document. Document                incoming or outgoing should
                                                                                                      tracking relating to quote/policy is fine.             have inventory management
                                                                                                      Expectation of inventory Management for                attached to it. For example, a
                                                                                                      outgoing documents other than proposals is not         refund cheque to a customer
                                                                                                      clear. Is it restricted to proposals only. Does this   needs to have inventory
                                                                                                      have any relevance when various distribution           management as well.
                                                                                                      channels involved.
 204   Policy Admin    1.7.2.    It should be able to track opening inventory of unprocessed       Document brought forward?, does proposals                 1. Documents brought for data
                                 documents brought forward, new policy proposals received, policy always bar corded to trace the actual document.            entry.
                                 proposals processed, policy proposals discrepant, policies issued                                                           2. Proposals will always be bar
                                 and closing stock of unprocessed policies carried forward.                                                                  coded

 205   Policy Admin    1.10.8.   The workflow solution should extend to the special contract          What is a special contract?                            the special contracts include
                                 issuance process.                                                                                                           Open Cover, Open Policies,
                                                                                                                                                             Declaration, Floaters and
                                                                                                                                                             Master Policy.
 206   Policy Admin    2.2.15.   Auto endorsements for Open Cover / Master Policy, Declaration        Auto endorsements for multi currency SI please         Where multi currency SI's are
                                 policies., multi-currency SI)                                        explain                                                maintained - e.g. for stock or
                                                                                                                                                             cargo, currency changes should
                                                                                                                                                             automatically endorse the policy
                                                                                                                                                             for the changes in the local
                                                                                                                                                             currency i.e. Indian Rupees



 207   Cover Note      1.10.3.   From an offline module.                                              Offline module ?. What is indicated here, even a Self explanatory
       Mgmt                                                                                           hand held device can be offline.
 208   Cover Note      1.18.     The system should enable to check the cover notes not issued in      lowest level?. Basically definition of hierarchy is 1. Levels such as BDM,Agent,
       Mgmt                      sequence at the lowest level (e.g. Agent, BDM)                       it across channel partners?. What is BDM.           Sub Agent in descending order.
                                                                                                                                                          2. Hierarchy is across channel
                                                                                                                                                          partners as well as sales
                                                                                                                                                          employees
                                                                                                                                                          3. BDM/CSE means business
                                                                                                                                                          development officer/customer
                                                                                                                                                          sales executive



 209   Cover Note      4.11.      Premium should be accounted / stored at cover / peril level         Need to know the difference with reference to          Cover : Motor OD
       Mgmt                                                                                           cover and peril. Do they not mean the same             Peril : Theft / collision/ etc




Addendum 1                                                                        Page 19 of 37
Response to Vendor Queries                                                        Functional                                                                            SBIGICL
 Sr.     Page #      Point /  Clarification point as stated in the tender document                   Comment/ Suggestion/ Deviation                         Response
 No.                Section #
 210   Quote         1.8.7.   Any uploaded data should be possible during the quote process or Incomplete statement                              Re-Phrase : Any upload of data
                              once the quote has been finalized.                                                                                 should be possible during the
                                                                                                                                                 quote process or once the
                                                                                                                                                 quote has been finalized.

 211   Quote         1.8.8.   The system must allow users to define unlimited additional data       Roles needs clarity                          Will be provided/decided at the
                              capture requirements and be incorporated into rating algorithms                                                    time of implementation
                              via a GUI. This will need to be role driven.
 212   Quote          5.26    Accumulation of technical, book and actual premiums                   needs clarity                                The accumulation of these
                                                                                                                                                 premium types independently
                                                                                                                                                 (technical, book and actual) for
                                                                                                                                                 all or some policies for a
                                                                                                                                                 customer may drive different
                                                                                                                                                 premium charge results
                                                                                                                                                 dependent upon the
                                                                                                                                                 relationship between these
                                                                                                                                                 premium types.


 213   Accounting      1.3     The system should support configuration of payments of claims,    needs Clarity                                   In essence, claim payments,
       GL                     commissions, various service charges, etc. from central / regional                                                 commissions etc should be
                              location                                                                                                           processable from any location

 214   Accounting      2.4     The system should enable defining hierarchy of accounts with 'n'     needs Clarity                                The concept of Master Account,
       GL                     levels of sub-accounts                                                                                             Sub Account etc - a simple
                                                                                                                                                 example would be Master
                                                                                                                                                 Account - Premises, Sub
                                                                                                                                                 Account - Rent, electricity, etc


 215   Accounting     2.10.   The system should be able to transfer or consolidate accounts and needs Clarity                                    Self explanatory
       GL                     automatically combine all details. system should enable the user to
                              generate template building.
 216   Accounting     3.15    Start / end period/year for recurring entries                         needs Clarity                                If recurring entries are being
       GL                                                                                                                                        created, the system needs to
                                                                                                                                                 record
 217   Accounting     3.16    The system should be able to maintain statistical data with journal   needs Clarity                                It should be possible for the
       GL                     entries                                                                                                            system to report statistically on
                                                                                                                                                 journal entries. E.G. reports
                                                                                                                                                 based on journal entry types

 218   Accounting      5.8    The system should be able to manage the payables at entity (e.g.      needs Clarity                                All accounting entries should be
       GL                     agents) levels as well as individual levels within the entity                                                      stored at the lowest level of
                              organization (e.g. sales team in a bank)                                                                           detail to ensure any
                                                                                                                                                 grouping/reporting at entity,
                                                                                                                                                 individual etc level
 219   Accounting     6.19    The system should distinguish between types of prepaid advances needs Clarity                                      Prepaid advances and post-
       GL                     and adjustment of same while passing the payments                                                                  paid accounts need to be
                                                                                                                                                 accounted for differently
 220   Accounting      7.6    The system should allow interest to be charged for late payment by needs Clarity                                   Self explanatory
       GL                     non-lead co-insurers
 221   Accounting      8.2    The system should enable computation of receivable / payable       needs Clarity                                   E.g. payable auto-calculated
       GL                     based on the transactions entered in the Core insurance system                                                     and stored based on quote
                                                                                                                                                 acceptance
 222   Accounting     10.5    The system should be able to reproduce the chart of accounts          needs Clarity                                Self explanatory
       GL                     from any of the general ledgers in the consolidation module as a
                              basis for consolidation
 223   Insurance     1.14.    Reversals and reinstatements                                          needs Clarity                                System should be capable of
       Acct                                                                                                                                      reversal of accounting entries
                                                                                                                                                 as well as reinstating any entry
                                                                                                                                                 based on authority levels.

 224   Insurance      4.      The system should support summarization of multiple accounts          needs Clarity                                This is an accounts hierarchy
       Acct                   into a single account. It should have various transaction codes
                              available for mapping with GL system.
 225   Insurance      9.      The system should support unearned premium reserving & DAC.           What is DAC                                  Deferred Acquisition Expenses.
       Acct                                                                                                                                      This is where expenses relating
                                                                                                                                                 to the acquisition of business
                                                                                                                                                 may be incurred over the life of
                                                                                                                                                 the policy. Similar concept to
                                                                                                                                                 the earning of premiums over
                                                                                                                                                 the life of a policy.


 226   Insurance      10.                                                                      Is this sought in cheque payments? Or Is it for
                              The system should support multiple authority limits of signatories                                                 Any Payment
       Acct                                                                                    cheque signing?
 227   Insurance      24.     It should be possible to make restrictions on payment mode based needs Clarity                                     E.G. a payment made by credit
       Acct                   on the receipt mode. This restriction should be user definable                                                     card can only be refunded back
                                                                                                                                                 to the credit card etc




Addendum 1                                                                     Page 20 of 37
Response to Vendor Queries                                                          Functional                                                                                  SBIGICL
 Sr.      Page #       Point /  Clarification point as stated in the tender document                    Comment/ Suggestion/ Deviation                              Response
 No.                  Section #
 228   Insurance        47.     Cash realization status should be mentioned in the system against needs Clarity                                         The realisation of funds needs
       Acct                     the Proposal at the end of the day when the cash hits SBIGICL                                                           to be recorded against the
                                bank account                                                                                                            transaction
 229   Insurance        59.      Exception reporting should be available with details of the         needs Clarity                                      Self explanatory
       Acct                      exception and reason for the exceptions.
 230   Insurance        83.      The system should allow verification of CI follower premium receipt needs Clarity                                      Until the premium has been
       Acct                      before adding the commission to the Intermediary statement for                                                         received from a Coinsurance
                                 the cycle                                                                                                              follower, commission statement
                                                                                                                                                        and payments should not be
                                                                                                                                                        generated


 231   Insurance        87.      The system should have a provision to mark the % share of          needs Clarity                                       This relates to CI risks
       Acct                      SBIGICL. The liability & premium % should get updated
                                 accordingly.
 232   Insurance        99.      The system should allow corrections to the Bordereaux based on     needs Clarity                                       CI details entered into the
       Acct                      interactions with the CI partner                                                                                       system should be amendable

 233   Insurance        100.     In case of mismatch: the system should allow check for: premium    needs Clarity                                       Exception reporting against
       Acct                      not booked, outstanding on a periodic basis, case to case mutual                                                       mismatched payments/receipts
                                 settlement, service tax & apportion the difference to the heads

 234   Document                  All the product components should satisfies following technical    Are the compliances stated in the RFP meant for     Whole solution in general and
       Management                compliances as a whole.                                            whole solution? If not then Please let us know      wherever applicable. The idea
       System                    Compliance with standards such as:                                 which of these compliances are mandatory for        is to have the solution as much
                                                                                                    DMS & Workflow perspective                          as standards based and not
                                 XML                                                                                                                    proprietary.
                                 XSL Transformations (XSLT)
                                 BPEL (Business Process Execution Language) - Latest Version
                                 ACORD (latest version)
                                 BPMN (Business Process Modeling Notation)
                                 W3C (World Wide Web Consortium)
                                 OASIS WS* Specifications


 235   E-Learning                                                                                   Is the Open Source Solution acceptable to you       Whatever solution that meets
                                                                                                                                                        the requirements and has
                                                                                                                                                        storing support structure, are
                                                                                                                                                        acceptable to us

 236   Performance       3.1                                                                        Do they already have tools for 360 Degree &         The HRMS system should have
       Mgmt                                                                                         Balance Scorecard or they are looking at            the capability
                                                                                                    implementing 360 Degrees and Balance
                                                                                                    Scorecard over and above the Perf. Mgmt
                                                                                                    System?
 237   Performance      3.12                                                                        What is FPA, PQA?                                     These are certification given as
       Mgmt                                                                                                                                               e.g.
 238   Performance      3.16                                                                        The system should capture the details of assets Asset Liability Statement –
       Mgmt                                                                                         & liabilities as furnished by the officers at the end Corruption Check as per SBI
                                                                                                    of every year - what is this related to?              bank guidelines

 239   General         11.1.                                                                        The system should support the following in          Yes
       Requirement      11.2.                                                                       batch - Are these related to Payroll?
       s with           11.3.                                                                        - Multiple debits single credits
       respect to       11.4.                                                                        - Multiple credits single debits
       HR solutions                                                                                  - Multiple debits and multiple credits


 240   Payroll          14.3                                                                        The system should be support Multi-currency,        An individual may be paid in a
                                                                                                    multi-language, Unicode supported functionality -   single currency, however, some
                                                                                                    Which Languages? Will an Employee be getting        employees may be paid in a
                                                                                                    salary in multiple currencies?                      different currency.

 241   Payroll          14.5                                                                        The system should maintain a single central       Will be provided/decided at the
                                                                                                    payroll depository and the system should be       time of implementation
                                                                                                    accessible to run and access payroll from any
                                                                                                    location in a centralized or decentralized manner
                                                                                                    - Payroll required to be run from how many
                                                                                                    locations?
 242   PF &              18                                                                         Are they also looking at a PF Trust Management Vendor to propose based on
       Terminal                                                                                     Solution?                                      requirements provided in
       Benefit                                                                                                                                     Annexure 2
       Management

 243   Annexure 2 - Product     GAP Insurance                                                       Kindly provide the scope of GAP Insurance.          Will be provided/decided at the
       Functional   Configurato                                                                                                                         time of implementation
       Requirement r Tab/1.1.10
       s.xls




Addendum 1                                                                        Page 21 of 37
Response to Vendor Queries                                                             Functional                                                                                    SBIGICL
 Sr.      Page #      Point /     Clarification point as stated in the tender document                           Comment/ Suggestion/ Deviation                           Response
 No.                 Section #
 244   Annexure 2 - Product       The system should support all products required for carrying out        Please specify what speciality lines are.            Will be provided/decided at the
       Functional   Configurato   the general insurance business, for personal lines, commercial                                                               time of implementation, but will
       Requirement r              lines as well as micro insurance and specialty lines.                                                                        include Lines of Business such
       s.xls                                                                                                                                                   as Aviation, Trade Credit etc

 245   Annexure 2 - Contact       It should be possible to transliterate the contact details into Hindi   Kindly provide the list of / number of Indian      Will be provided/decided at the
       Functional   Mgmt          and other Indian languages. The transliterated values and original      langugages which are required for transliteration. time of implementation
       Requirement Tab/15.1       values should be stored in the system and viewable and editable.
       s.xls                      This will be required to generate documents in local

 246   Annexure 2 - Policy        The system should support data entry by customers / agents /            In case of customer or any third party entering      This could be the operations
       Functional   Admin         brokers / banks / branch staff / back office through web                the information, with whom lies the responsibility   team of SBIGICL and same will
       Requirement Tab/1.2.1      applications / Point of Sales / Mobile Devices. They should be able     to track the validity of the information and         be finalized by and configured
       s.xls                      to view / access the data on-line.                                      acceptance.                                          in the system based on the
                                                                                                                                                               process design (and the
                                                                                                                                                               System requirements
                                                                                                                                                               specification)
 247   Annexure 2 - Reinsuranc System should support different RI commission and / or different           1. Does the system support Reinsurance               There could be multiple re-
       Functional   e Tab      rates for each reinsurer participant within a single treaty.               transaction with third party Reinsurer?              insurers within a single treaty
       Requirement                                                                                        2. Kindly clarify if the system should support any   with each re-insurer covering
       s.xls                                                                                              interfaces to any third party reinsurer.             different risks.
                                                                                                                                                               1. The system does not have to
                                                                                                                                                               support Reinsurance
                                                                                                                                                               transaction with third party
                                                                                                                                                               Reinsurer
                                                                                                                                                               2. If the system can support
                                                                                                                                                               any interfaces to any third party
                                                                                                                                                               reinsurer, it is a good to have
                                                                                                                                                               feature

 248   Annexure 2 - Cust          Complaints handling                                                     Does the system need to support interface to         Yes
       Functional   Servicing                                                                             ombudsman, or send any related information
       Requirement Tab/3.0                                                                                over any interface?
       s.xls
 249   Annexure 2    Functional                                                                           Please clarify if there is a need to manage          Yes
       Tab for       Requireme                                                                            Multiple Ledgers for reporting as per different
       Accounting    nts -                                                                                Financial Standards ?
       GL            Accounting
                     GL
 250   Annexure 2    Functional                                                                           Is SBI GICL looking forward for IFRS                 Yes
       Tab for       Requireme                                                                            compliance as well ?
       Accounting    nts -
       GL            Accounting
                     GL
 251   Annexure 2    Functional                                                                           Would SBIGICL maintain User based                    Yes.
       Tab for       Requireme                                                                            Authorization matrix with User having access to      Will be provided/decided at the
       Accounting    nts -                                                                                limited Transactions / Assignments ? If yes,         time of implementation
       GL            Accounting                                                                           please elaborate.
                     GL
 252   Annexure 2    Functional                                                                           It would help if SBI GICL could detail the process Will be provided/decided at the
       Tab for HR    Requireme                                                                            of recruitment – from the time the vacant               time of implementation
                     nts - HR                                                                             positions are identified till the positions are filled?

 253   Annexure 2    Functional                                                                            We request SBI GICL to clarify what shall be the Will be provided/decided at the
       Tab for HR    Requireme                                                                            different types of appraisals that shall be in     time of implementation
                     nts - HR                                                                             practice at SBI GICL, viz. Probationary appraisal,
                                                                                                          half yearly, quarterly, annual appraisal.

 254   Annexure 2    Functional                                                                           How shall the training needs be identified for  Will be provided/decided at the
       Tab for HR    Requireme                                                                            employees in SBI GICL ? What are the different time of implementation
                     nts - HR                                                                             types of trainings that shall be in practice in
                                                                                                          SBIGICL viz. Classroom training, web learning,
                                                                                                          etc.
 255   Annexure 2    Functional Integration - The system should provide out-of-box web based              What type of out-of-the-box web based                Need standard set of integration
       Tab for       Requireme integration with prospective clients.                                      integration is being looked at? Need complete        interfaces capability using
       Prospect      nts -                                                                                details of these systems including platform          industry standards to enable
                     Prospect,                                                                            details.                                             web based integration (e.g.
                     Clause 5.1                                                                                                                                portals)


 256   Annexure 2 Functional The portal should support hosting of services / pages in multiple            Are the expectations for Hindi or other languages    Yes. The expectations for Hindi
       Tab for Web Requireme languages including Hindi and other Indian languages.                        required for content viewing ? Which are the         or other languages required for
       Portal      nts - Web                                                                              languages other than Hindi that need to be           content viewing.The languages
                   Portal,                                                                                supported.                                           other than Hindi that need to be
                   Clause 1.5                                                                                                                                  supported will be decided at the
                                                                                                                                                               time of Business Requirement
                                                                                                                                                               Study




Addendum 1                                                                           Page 22 of 37
Response to Vendor Queries                                                               Functional                                                                                     SBIGICL
 Sr.      Page #      Point /     Clarification point as stated in the tender document                             Comment/ Suggestion/ Deviation                            Response
 No.                 Section #
 257   Annexure 2 Product         The system should provide for a product catalog that provides             We provide a User Manual that explains aspects Will be provided/decided at the
       Functional  Configurato    visibility to all product information including the rules that apply to   of use & functioning of the system. The Product time of implementation
       Requirement r Tab -        all available products                                                    Catalog or brochure highlights the functionality &
       s           (Sl.No: 16)                                                                              features of the system. The User Manual is
                                                                                                            specific to every implementation and will be
                                                                                                            customer specific. We need to understand if
                                                                                                            there are any additional expectations in addition
                                                                                                            to this


 258   Annexure 2    Product     Collector Car Insurance                                                    We presume the reference is to Vintage Cars           Yes as per Motor Tariff
       Functional    Configurato
       Requirement   r Tab
       s             (Sl.No:
                     1.1.8)
 259   Annexure 2    Product     Personal Lines Package                                                     Which types of Insurance are part of this             Will be provided/decided at the
       Functional    Configurato                                                                            package and can we assume that there‟ll be            time of implementation
       Requirement   r Tab                                                                                  additional discounts available as part of this
       s             (Sl.No:                                                                                policy type]
                     1.1.12)
 260   Annexure 2    Product     Link to Word processing for production of standard letters                 We are assuming support for letter production in PDF, MSWORD, Text
       Functional    Configurato                                                                            PDF & MSWORD. Is there additional support
       Requirement   r Tab (Sl                                                                              required?
       s             No: 11.7)
 261   Annexure 2 Contact        The Contact database should not be part of CIS (e.g. claims,               Can the Contact Database be part of the CIS           No
       Functional  Manageme product, underwriting, distribution, etc.) and instead should be                and still perform all the features/functions listed
       Requirement nt (Sl No: 2) independent of CIS and should be linked to the common Contact              in the RFP?
       s                         database/Contact management system
 262   Annexure 2    Contact    Branches of a Bank (this may be required where a banking                    We assume that the Branch will be defined as a        Yes.
       Functional    Manageme associate who is a Bancassurance channel partner may require                  child of the main Bank since the Branch               But SBIGICL could have tie ups
       Requirement   nt (Sl No: branch wise details of business done.                                       assumes no direct relationship in absence of the      with other than SBI banks in the
       s             7.2.4)                                                                                 Parent Entity. Kindly confirm                         future.

 263   Annexure 2    Contact    It should be possible to group the fields based on similarity and           We understand this as a requirement in             Yes
       Functional    Manageme security requirements in multiple tabs                                        structuring the layout of the data fields for ease
       Requirement   nt (Sl No:                                                                             in data entry and not as a separate report/view to
       s             11.3)                                                                                  be generated. Please confirm

 264   Annexure 2 Quote           The system should support the attachment of                               Is the requirement referring to attachment of Yes
       Functional  (Sl.No:        warranties/clauses/conditions for different LoB                           detailed wordings of
       Requirement 1.8.20)                                                                                  Warranties/Clauses/Conditions OR just mention
       s                                                                                                    the relevant Warranties/Clauses/Conditions

 265   Annexure 2 Quote         The system should exchange quotation details with reinsurance               Does SBI envisage User Prompt in this process Completely automated process
       Functional  (Sl.No: 7.1) module and should provide alerts on facultative reinsurance                 – For e.g. Is it ok for the user to click on a control
       Requirement              requirement. This should be supported with well defined interfaces          named “Check for Reinsurance” prior to
       s                        with supporting enterprise data model for data integration.                 rating/submission or quote issuance? OR is this
                                                                                                            process envisaged as a completely automated
                                                                                                            process?


 266   Annexure 2 Cover Note      The system should be able to read the barcodes present on the             It‟s assumed that the reference here is being         Yes
       Functional  Mgmt Tab       proposal forms and other incoming documents and catalogue the             made to an interface to a Barcode reader
       Requirement                images automatically or wherever barcodes are not present the
       s                          cataloguing should be done manually.



 267   Annexure 2 Policy        The system should support recalculation of premiums for               Could you explain the meaning of Book Rate &                Book rate is the rate calculated
       Functional  Admin        endorsements to the policies. The system should support premium Technical Rate in the context of this question?                   by the underwriter/system as
       Requirement (Sl.No: 2.3) recalculation on book rate and technical rate at the lowest level of                                                              per the predefined rating tables
       s                        original rating utilising fixed price, short term, long term and pro-                                                             and algorithm. The Technical
                                rata basis. The system should check for premium sufficiency                                                                       rate is a secondary set of rates
                                during endorsements processing                                                                                                    the underwriter wants stored on
                                                                                                                                                                  the system.


 268   Annexure 2 Policy          Lapses may be initiated either by the customer or by the insurance We assume this requirement to mean that the                  This would be one such
       Functional  Admin          company or by the system                                           specific policy is flagged to the underwriter for            scenario. However, a renewal
       Requirement (Sl.No:5.1)                                                                       cancellation. Please confirm                                 notice which has been sent to
       s                                                                                                                                                          the customer on non-payment
                                                                                                                                                                  of premium should auto lapse
                                                                                                                                                                  on the system after X days
                                                                                                                                                                  have lapsed.


 269   Annexure 2 Claims (Sl      The system should provide links to predefined external websites           We assume the reference here is to an            Yes
       Functional  No: 12)        (e.g. Google maps)                                                        embedded link rather than a link to be opened in
       Requirement                                                                                          a new window
       s




Addendum 1                                                                             Page 23 of 37
Response to Vendor Queries                                                            Functional                                                                                  SBIGICL
 Sr.        Page #     Point /  Clarification point as stated in the tender document                  Comment/ Suggestion/ Deviation                                   Response
 No.                  Section #
 270   Annexure 2    Claims (Sl The claim cannot be closed unless the secondary estimate equals Can the system automatically release the                    No, there needs to be an action
       Functional    No: 23.3)  zero.                                                           excess reserves prior to closure                            by a user.
       Requirement
       s
 271   Annexure 2 Billing (Sl     The billing and collection process pertains to collection of funds   We assume both the processes will have           Yes
       Functional  No:3)          (e.g. for premium, deductibles, recoveries) from contacts in the     Manual & Automatic variants – Billing and
       Requirement                system. The system should support manual or automatic billing.       Collection. The reference to Manual Process
       s                          The manual process may also be run using a job scheduler             being run by a job scheduler is assumed as –
                                                                                                       the user will initiate the request to run a
                                                                                                       particular job through the batch. Please confirm


 272   Annexure 2 Reinsuranc The system should support 64VB compliance wherein premium                 Under what circumstances are we looking at      Self explanatory
       Functional  e (Sl No:6) should be collected before the policy / Cover Note is issued.           using 64VB and installment scheduling together?
       Requirement
       s
 273   Annexure 2 Billing (Sl     Once the collection process is run, it should make appropriate       Is this referring to cash application setting within Yes
       Functional  No:11)         adjustments in the core insurance system.                            the system, if not request more information?
       Requirement
       s
 274   Annexure 2 Billing (Sl     The system should support change of billing / collection method on Is this referring to change in payment method          Yes
       Functional  No:18)         any payment / installment.                                         and payment plan on the policy?
       Requirement
       s
 275   Annexure 2 Billing (Sl     Where the collection method is Cash Deposit / Bank Guarantee,         Is the this requirement referring to Marine         The cash deposit/bank
       Functional  No:20)         the system should allow set up of a cash deposit account for a        Business for Cash Deposit and Fire and other        guarantee could be for any line
       Requirement                contact and then facilitate transactions of replenishing the deposit, LOB's for Bank Guarantee?                           of business with Marine and
       s                          debiting of the deposit, refund of balance, etc.                                                                          Health being the most obvious
                                                                                                                                                            ones
 276   Annexure 2 Billing (Sl     The system should be able to verify if funds are available for       What kind of payments are we referring to here? Payments could mean claim
       Functional  No:25)         making payment and have ability to put payments on hold in case                                                      payments, premium refunds or
       Requirement                the funds are not available.                                                                                         payments to third parties
       s
 277   Annexure 2 Billing (Sl     System should have the capability to automatically release funds     What kind of funds are we referring to here?         Cash available with SBIGICL in
       Functional  No:26)         when funds become available                                                                                               bank accounts
       Requirement
       s
 278   Annexure 2 Billing (Sl     System should intimate the original payment / bill requestor where Need more information to understand this               In case the payable amount is
       Functional  No:28)         a bill or payment needs to be revised or cancelled                 requirement ?                                          revised or cancelled, it should
       Requirement                                                                                                                                          be done in consent with the bill
       s                                                                                                                                                    requester. Hence, this
                                                                                                                                                            requirement.
 279   NA            Distribution REQ: It should be possible to set up all distribution channel        Interpretation: The requirement is to set up       Yes
                     Channel      partners as "contacts" on the system with a unique contact ID        channel partners as a contact with unique
                     (Sl. No. 2)                                                                       contact ID and with the role of a channel partner.

                                                                                                       This is similar to creating a client in the system
                                                                                                       that can have multiple roles e.g. a contact „A‟
                                                                                                       can be a channel partner agent as well as a
                                                                                                       policy holder. So he is uniquely identified in the
                                                                                                       system as a contact but with these two different
                                                                                                       roles.

                                                                                                       QUERY: Is this interpretation correct? Please
                                                                                                       confirm.


 280   Annexure 2 Distribution It should be possible to set up an entire workflow for setting up a     What kind of workflows are we looking at here        Will be provided/decided at the
       Functional  Channel     distribution channel partner.                                           for the channel partners?                            time of implementation
       Requirement (Sl no 3)
       s
 281   NA            Distribution REQ: It should be possible to capture all details of the channel     Interpretation: The requirement is to capture Yes
                     Channel      partners including names, addresses, PAN and TAN numbers,            various details of the channel partner as
                     (Sl. No. 4) Agent Registration Number, license details, appointment details,      mentioned in the requirement. These details
                                  training details with dates, authorized users of the channel,        include the authorized users of the channel.
                                  commission
                                                                                                       An authorized user of the channel partner will
                                                                                                       have access to the data of the channel partner in
                                                                                                       distribution management system through agent
                                                                                                       portal only. He will not access distribution
                                                                                                       management system directly.

                                                                                                       QUERY:
                                                                                                       Is our interpretation of authorized users correct?
                                                                                                       Also, we understand that the distribution
                                                                                                       management system will be integrated with SBI
                                                                                                       portal to provide data access to the authorized
                                                                                                       users. Please confirm.




Addendum 1                                                                          Page 24 of 37
Response to Vendor Queries                                                           Functional                                                                                 SBIGICL
 Sr.      Page #      Point /     Clarification point as stated in the tender document                       Comment/ Suggestion/ Deviation                          Response
 No.                Section #
 282   Annexure 2 Distribution    Once a distribution channel has been set up they should be able to Interpretation: The channel partners should be   Yes.
       Functional  Channel        log into the system through internet and perform all predefined    provided data access of the back office system   The system should facilitate
       Requirement (Sl. No. 5)    transactions.                                                      through portal/internet to view the information  any number of transaction
       s                                                                                             and perform the defined transactions.            types to be performed via this
                                                                                                                                                      mode. The transactions which
                                                                                                      QUERY: Is this interpretation correct? Please may be performed should
                                                                                                      explain what predefined transactions need to be definable at a distribution
                                                                                                      performed by the authorized users.              channel partner level.



 283   Annexure 2 Distribution There should be a single sign on for all third parties.                Interpretation: The requirement is that EDM the system should enable
       Functional  Channel                                                                            should support the single sign on feature.     single signon for third parties
       Requirement (Sl. No. 6)                                                                                                                       like TPA, Agents, other
       s                                                                                              QUERY: Does this refer to multiple system distributors (Who have access
                                                                                                      single sign on? What are the other systems to the system for information /
                                                                                                      which will be grouped with EDM for single sign transaction processing) for login
                                                                                                      on for third parties?                          into the system

                                                                                                      Also, who are these third parties? Please
                                                                                                      elaborate.

 284   Annexure 2 Distribution It should be possible to capture and store the terms and conditions    Interpretation: The requirement is to define and Yes
       Functional  Channel     agreed with the channel.                                               capture various business rules that will be
       Requirement (Sl. No. 9)                                                                        applicable to the channel partner. These rules
       s                                                                                              are regarding to products to be sold by the
                                                                                                      channel       partner,    applicable    payment
                                                                                                      frequencies, termination rules, commissions,
                                                                                                      incentives and performance evaluation criteria
                                                                                                      etc

                                                                                                      QUERY: Is this interpretation correct? Kindly
                                                                                                      elaborate if any other terms and conditions
                                                                                                      information needs to be captured.

 285   Annexure 2 Distribution The system should be able to track the validity of the contract with   Interpretation:                                   Yes
       Functional  Channel      the channel partner. It should generate alerts and escalations 30-    Our understanding of this requirement is that for We are referring to validity of
       Requirement (Sl. No. 11) 90 days prior to expiry, based on the rule set up. This should be     selling insurance products, regulatory authority broker license
       s                        GUI driven.                                                           issues licenses to the channel partners. These
                                                                                                      licenses are valid for a certain period and on
                                                                                                      expiry of the license, the channel partner needs
                                                                                                      to get it renewed. Now the need is to capture
                                                                                                      and track the license expiry dates and generate
                                                                                                      alerts for follow up.

                                                                                                      QUERY: Is this interpretation correct? Or does
                                                                                                      this requirement refer to any agreement/ contract
                                                                                                      between the channel partner and SBI General?
                                                                                                      Please explain the concept of these contracts.




 286   Annexure 2 Distribution The workflow system should allow the capability to create a            Interpretation: Requirement is to           define Will be provided/decided at the
       Functional  Channel      customized workflow for a channel partners.                           customized workflow for each channel.              time of implementation
       Requirement (Sl. No. 15)
       s                                                                                              QUERY: How will the workflow change for
                                                                                                      channel partners? Please explain with examples.


 287   Annexure 2 Distribution It should be possible to change a channel partner during the           Interpretation:                                     1. Yes
       Functional  Channel      concurrency of a policy. It should be possible to allocate another    The requirement is to allow policy transfer from    2. We can also have a
       Requirement (Sl. No. 18) channel partner to the sourced by the now cancelled channel           the sourcing agent to another agent in case the     situations wherein it requires
       s                        partner.                                                              sourcing agent is terminated.                       policy transfers across partner
                                                                                                                                                          agencies
                                                                                                      QUERY: In the requirements is the term channel
                                                                                                      partner interchangeably used for partner
                                                                                                      agencies like banks or broker agencies and
                                                                                                      individual agents?
                                                                                                      Also, does this requirement expect the policy
                                                                                                      transfers across partner agencies?

 288   Annexure 2 Distribution Ability to manage Business Development Managers pipeline and           Interpretation: The requirement is for Business     1. Yes
       Functional  Channel      churn rate.                                                           Development Managers to be able to track their      2. The BDM is an employee of
       Requirement (Sl. No. 22)                                                                       proposals and also monitor the proposal to policy   SBIGICL.He can be linked to
       s                                                                                              conversion ratio.                                   any channel type.

                                                                                                      QUERY: To which channel will the Business
                                                                                                      Development Manager be linked? Is he a part of
                                                                                                      partner channels or an employee of SBI
                                                                                                      General?




Addendum 1                                                                        Page 25 of 37
Response to Vendor Queries                                                            Functional                                                                                     SBIGICL
 Sr.      Page #      Point /   Clarification point as stated in the tender document                           Comment/ Suggestion/ Deviation                            Response
 No.                Section #
 289   Annexure 2 Distribution It should be possible to change the Relationship Manager                 Interpretation: Our understanding of this            1. Yes
       Functional  Channel      associated to a policy with proper authority matrix.                    requirement is that the Relationship Manager is      2. The role of a relationship
       Requirement (Sl.     No.                                                                         the sales staff of SBI General who can sell          manager will be to service his
       s           25.2)                                                                                policies and thus will be directly linked the        clients, their grievance handling
                                                                                                        policies. In case the Relationship manager           and linking with the sales staff
                                                                                                        leaves the organization, his policies need to be     to ensure that the clients needs
                                                                                                        transferred to other relationship manager.           are met.

                                                                                                        QUERY: Is this interpretation correct? Or is he a
                                                                                                        part of some partner channel? What is the role of
                                                                                                        the relationship manager?


 290   Annexure 2    Commissio The system should allow to define rules related to definition of         Interpretation: In case of large risks, more than    1. Yes
       Functional    n-           commission / incentive recoverable from non-lead coinsurers           one insurer covers the risk together. In this case   2. We are referring to recovery
       Requirement   Incentives(                                                                        one insurer becomes the „lead coinsurer‟ and the     of incentives/ commissions paid
       s             Sl. No. 1.6)                                                                       remaining     coinsurers     become     „non-lead‟   to the channel partners
                                                                                                        coinsurers. The premium received is shared
                                                                                                        between the coinsurers.

                                                                                                        If the policy is cancelled, the lead coinsurer
                                                                                                        refunds the premium to the policy holder. But the
                                                                                                        lead insurer also has to recover the premium
                                                                                                        from the non-lead coinsurers. They also have to
                                                                                                        recover any incentives/commissions paid to the
                                                                                                        channel partner.

                                                                                                        QUERY: Is this interpretation correct? Is the
                                                                                                        requirement regarding recovery of premium from
                                                                                                        the coinsurers or recovery of incentives/
                                                                                                        commissions paid to the channel partners?
                                                                                                        Please explain.



 291   Annexure 2    Commissio      The system should facilitate advance commission / incentive         Interpretation: Requirement is to facilitate the     1. Yes
       Functional    n-             payments. Such advance payments should be recovered from the        advance payment of commissions as well as            2. The term Commission-
       Requirement   Incentives(    subsequent commission / incentive payouts. In case the advance      incentives and also to recover the same from         Incentives used for all
       s             Sl. No. 3.3)   amounts cannot be fully recovered from the next commission /        subsequent payouts.                                  compensation related
                                    incentive                                                                                                                requirements of channel
                                                                                                        QUERY: Is the term Commission-Incentives             partners e.g. broker, dealer,
                                                                                                        used generically for all compensation related        agent
                                                                                                        requirements?                                        3. The complete sentence : The
                                                                                                                                                             system should facilitate
                                                                                                        Are the incentives also paid in advance? In what     advance commission /
                                                                                                        scenario will this advance payment of incentives     incentive payments. Such
                                                                                                        and recovery happen?                                 advance payments should be
                                                                                                                                                             recovered from the subsequent
                                                                                                                                                             commission / incentive payouts.
                                                                                                                                                             In case the advance amounts
                                                                                                                                                             cannot be fully recovered from
                                                                                                                                                             the next commission / incentive
                                                                                                                                                             payout then the recovery
                                                                                                                                                             should be carried forward to the
                                                                                                                                                             subsequent commission /
                                                                                                                                                             incentive payout cycle.




 292   Annexure 2    Commissio      The system should integrate well with the GL system and send all    Interpretation: Elixir Distribution Management       1.Yes
       Functional    n-             commission information to the GL system. This should be             system can interface with various GL systems         2. GL system has not been
       Requirement   Incentives(    supported with well defined interfaces with supporting enterprise   like Sun GL, Oracle financials. And it passes the    finalised as the insurer is in
       s             Sl. No. 5.1)   data model for data integration.                                    commission and payment information to the GL         beginning of set up phase
                                                                                                        system.

                                                                                                        QUERY: Which GL system is used by SBI
                                                                                                        General?
 293   Annexure 2    Commissio The statement format should be configurable by channel.                  QUERY: Elixir Distribution Management                Will be provided/decided at the
       Functional    n-                                                                                 provides standard template of commission             time of implementation
       Requirement   Incentives(                                                                        statement for all the channels.
       s             Sl. No. 6.2)
                                                                                                        We need to understand, how will the format
                                                                                                        differ from channel to channel i.e. what
                                                                                                        parameters will change in the commission
                                                                                                        statement format for different channels?

                                                                                                        Please explain with an example.




Addendum 1                                                                          Page 26 of 37
Response to Vendor Queries                                                            Functional                                                                                  SBIGICL
 Sr.      Page #      Point /      Clarification point as stated in the tender document                       Comment/ Suggestion/ Deviation                          Response
 No.                Section #
 294   Annexure 2 Commissio        The channel partners should be able to view their commission /      Interpretation: The requirement is to have a        1.Yes
       Functional  n-              incentive paid as well as accrued at any point in time on the web   portal for channel partners where channel           2. Will be decided at the time of
       Requirement Incentives(     portal.                                                             partners can view their compensation                implementation
       s           Sl. No. 6.4)                                                                        information at any point in time.

                                                                                                       QUERY: What other functionalities will be
                                                                                                       required on the channel partner portal?
 295   Annexure 2    Solution vs                                                                       Is there any constraint in terms of implementing    No constraints.
                     Customized                                                                        solution packages against developing a              The workflow, process control
                     system                                                                            customized system for any of the key functional     and image based processing
                                                                                                       requirements specified in Annexure 2 - Index        system be custom built for
                                                                                                       e.g. can the workflow, process control and image    SBIGICLL while packages
                                                                                                       based processing system be custom built for SBI     solutions are offered for the rest
                                                                                                       GICL while packages solutions are offered for       of the functional requirements
                                                                                                       the rest of the functional requirements?


 296   Annexure 2 - 3.3 and 3.4 Learning Management System Worksheet                                   When a participant registers or cancels for a       The system should have the
        Functional                                                                                     course, will any fee be charged?                    facility to manage this
       Requirement                                                                                                                                         component based on the
            s                                                                                                                                              specific course and when the
                                                                                                                                                           cancellation takes place.
 297   Annexure 2:    General      Analytics                                                           What is the Language support required for           Language support - English:
        Functional                                                                                     Analytics/OBIEE?                                    2. Not possible to provide
       Requirement                                                                                     What is the User details accessing the system       3. Report formats have not
            s                                                                                          over next 5 years?                                  been finalised. But as a base
                                                                                                       Do we have formats/layout for all reports?          most reports should match in
                                                                                                       Do we have sample data for all reports for          concept to the IAG report
                                                                                                       verification?                                       formats as used in Australia
                                                                                                                                                           4. SBIGICL may provide
                                                                                                                                                           sample data on request by
                                                                                                                                                           vendor


 298   Annexure 2:      1.10       Underwriting Worksheet                                              It is mentioned that the system should provide      The link will be dependent on
        Functional                                                                                     links to external databases (e.g. AM Bests web-     the external database that will
       Requirement                                                                                     site) to support underwriters in decision making.   be linked to. Any license fee
            s                                                                                          What kind of link/interface is SBIGICL              would be borne by SBIGICLL
                                                                                                       expecting? Will the license fee to AM Best be
                                                                                                       paid by SBIGICL in such cases?


 299   Annexure 2:       1.1       Underwriting Worksheet                                              The system should support issue of cover note Yes
        Functional                                                                                     through pre-printed cover note stock, or from the
       Requirement                                                                                     system through web-portal or from an offline
            s                                                                                          module Handheld devices.
                                                                                                       Our understanding is that the peripherals for this
                                                                                                       would be provided by SBIGICL and the solution
                                                                                                       should integrate with the same. Please confirm
                                                                                                       if our understanding is correct?


 300   Annexure 2:      1.16       Accounting GL Worksheet                                             What type of calculation is referred here?          This means computed fields for
        Functional                                                                                                                                         purpose of reporting, analysis
       Requirement                                                                                                                                         or generation of other types of
            s                                                                                                                                              accounting heads

 301   Annexure 2:      2.10       Accounting GL Worksheet                                             Is this requirement for reporting purpose?          Reports/Statements/Audits
        Functional
       Requirement
            s

 302   Annexure 2:      2.14       DW Worksheet                                                        Please clarify what is meant by “automatically      Yes. An automated batch
        Functional                                                                                     extract”. Does is it just mean that functionality   program should schedule this
       Requirement                                                                                     should be in place to extract data from data        extraction.
            s                                                                                          warehouse or data mart into a flat file.

 303   Annexure 2:       2.4       Customer Service                                                    Please expand TAT and the meaning                   Turn Around Time. Time taken
        Functional                                                                                                                                         to complete a task.
       Requirement
            s

 304   Annexure 2:       2.6       DW Worksheet                                                        It is mentioned that for any update, the condition Will be provided/decided at the
        Functional                                                                                     will be specified. Can you provide us clarification time of implementation
       Requirement                                                                                     on "Conditional validation for update"?
            s

 305   Annexure 2:       3.1       DW Worksheet                                                        Does it mean that only technical metadata will      Technical and Business
        Functional                                                                                     captured (and not the business metadata)            metadata should be captured.
       Requirement
            s




Addendum 1                                                                          Page 27 of 37
Response to Vendor Queries                                                      Functional                                                                                 SBIGICL
 Sr.     Page #        Point /  Clarification point as stated in the tender document                 Comment/ Suggestion/ Deviation                            Response
 No.                  Section #
 306   Annexure 2:      3.18    Accounting GL Worksheet                                       Can you please explain this requirement?              system should enable to define
        Functional                                                                                                                                  rules for passing multiple
       Requirement                                                                                                                                  journal entries for specific
            s                                                                                                                                       triggers (e.g. month end, event
                                                                                                                                                    occurring, etc.). For example
                                                                                                                                                    month end triggering entries
                                                                                                                                                    related to commission payables


 307   Annexure 2:      3.32     Accounting GL Worksheet                                      On what basis are we expected to perform the          What if analysis will enable to
        Functional                                                                            "What if" analysis?                                   visualize the effect of a journal
       Requirement                                                                                                                                  entry (with different values) on
            s                                                                                                                                       specific accounts before the
                                                                                                                                                    posting is committed. For
                                                                                                                                                    example, ability to do analysis
                                                                                                                                                    of impact of a specific payment
                                                                                                                                                    to a vendor on tax payables


 308   Annexure 2:       3.5     Accounting GL Worksheet                                      Is this requirement for approved journals or un-      Ideally there should not be any
        Functional                                                                            approved journals?                                    unapproved journal entries. It
       Requirement                                                                                                                                  should be a system disenabler.
            s

 309   Annexure 2:       14      HR Worksheet                                                 Can SBIGICL provide the following details:            Not possible to provide
        Functional
       Requirement                                                                            i). How do SBIGICL group their employees for
            s                                                                                 payroll? Are pay groups utilized for processing
                                                                                              the payroll? Please describe all pay groups and
                                                                                              any eligibility requirements for an employee to be
                                                                                              in that group.
                                                                                              ii). Do you want to have payroll to be run for all
                                                                                              branches by centralized system?
                                                                                              iii). Is payroll is divided/ managed by separate
                                                                                              branches cities?
                                                                                              iv). Is this all Monthly payroll for all employees?
                                                                                              v). What would be the total strength of
                                                                                              Employees for Monthly payroll?
                                                                                              vi). Provide the list reports/ query of payroll
                                                                                              module used in existing system. vii). Is
                                                                                              mandatory to have payroll reports in same
                                                                                              template / Format?



 310   Annexure 2:       20      Workflow Worksheet                                           The system should support different parameters Will be provided/decided at the
        Functional                                                                            for Workflow Authorization Matrix. Can you     time of implementation
       Requirement                                                                            please elaborate the different parameters
            s                                                                                 required for workflow authorization matrix?

 311   Annexure 2:     18.2.1    Contact Management                                           Can you explain the business need / scenario for Will be provided/decided at the
        Functional                                                                            some users to view the entire credit card details time of implementation
       Requirement                                                                            and bank accounts of individuals?
            s

 312   Annexure 2: 2.7.3, 2.7.4 DW Worksheet                                                  Our understanding is, fields in the data              Yes
        Functional  and 2.7.6                                                                 warehouse and data mart needs to be mapped
       Requirement                                                                            to the attributes in the enterprise data model
            s                                                                                 (logical data model). Please confirm.

 313   Annexure 5:    General    General                                                      We understand that the enterprise sharable            Acceptable for external data
          List of                                                                             information model should be such as ACORD.            integration with external parties,
        Interfaces                                                                            But what are the possible message formats and         but not as the enterprise data
                                                                                              standards required to connect partners like           model
                                                                                              Travel Agencies and Hotel, Airlines. Can we
                                                                                              assume that the messages required to connect
                                                                                              external parties will be ACORD or please
                                                                                              provide any other standards that needs to
                                                                                              considered


 314                 Annexure 3- Yachts                                                       Since the cover is already there under marine      No overview to be provided at
                     Functional                                                               hull, brief overview of insurance product material this stage
                     requirement                                                              facts required
                     s-Product
                     Configurato
                     r-1.1.7.




Addendum 1                                                                    Page 28 of 37
Response to Vendor Queries                                                         Functional                                                                                 SBIGICL
 Sr.   Page #      Point /  Clarification point as stated in the tender document                             Comment/ Suggestion/ Deviation                        Response
 No.             Section #
 315            Annexure 3- Collector car insurance                                                   Since the cover is already there under motor       No overview to be provided at
                Functional                                                                            policy as vintage cars, brief overview of          this stage
                requirement                                                                           insurance product material facts required
                s-Product
                Configurato
                r-1.1.8.



 316            Annexure 3- Consumer Credit                                                           Since this is a new policy, brief overview of      No overview to be provided at
                Functional                                                                            insurance product material facts required          this stage
                requirement
                s-Product
                Configurato
                r-1.1.9.



 317            Annexure 3- The system should be able to manage Indian tariff, non-tariff and         General Insurance business is non-tariff. Is it    Complete tariff as well as
                Functional market agreement products, including a combination of them.                required to incorporate the complete tariff or     customer specific rating
                requirement                                                                           customer specific rating parameters required to    parameters required to be
                s-Product                                                                             be setup.                                          setup
                Configurato
                r-2.



 318            Annexure 3-     There should be a simulation environment for a new product set-up Brief overview of requirement and analysis             Will be provided/decided at the
                Functional      to facilitate comprehensive testing (including impact on company parameters are needed.                                  time of implementation
                requirement     profitability, penetration, cross sell and performance ratios like loss
                s-Product       ratios, CORs) , after which it should be transferred
                Configurato
                r-10



 319            Annexure 3- Utilization of previous term premium in determining future periods        Brief overview of requirement and analysis         Relationship between last years
                Functional premium (Cupping and capping of rates)                                     parameters are needed.                             premium and this years
                requirement                                                                                                                              standard generated premium,
                s-Product                                                                                                                                may be capped to a % or
                Configurato                                                                                                                              monetary value above or below
                r-11.3                                                                                                                                   last years premium - thereby
                                                                                                                                                         moving toward (but not straight
                                                                                                                                                         to) the standard premium


 320            Annexure 3-     There should be provision to test rating changes before making        The function is a part of BIS.Should it be In core BIS
                Functional      changes to see the impact on current book of business – the           insurance system?
                requirement     system should be capable of doing „what if‟ analysis at whole of
                s-Product       portfolio and individual segment level.
                Configurato
                r-14



 321            Annexure 3- Underwriting / Referral                                                   Please descibe the requirement in some detail to At the time of Business
                Functional                                                                            provide the comments for all points under this   Requirement Study
                requirement                                                                           section.
                s-under
                writing-2


 322            Annexure 3-     The system should support data entry by customers / agents /          Since this is a data entry request that needs to   OK
                Functional      brokers / banks / branch staff / back office through web              be carried by policy administration system, a
                requirement     applications / Point of Sales / Mobile Devices. They should be able   separate web application can be made for this
                s-Policy        to view / access the data on-line.                                    request than allowing the other users to do the
                administrtio                                                                          function.
                nunder
                writing-1.2.1



 323            Annexure 3- The system should support initiations of endorsements by                  Same as above                                      OK
                Functional customer/agent/broker/dealer/bank partner/GIC personnel, etc.
                requirement
                s-Policy
                administrtio
                nunder
                writing-
                1.2.20




Addendum 1                                                                       Page 29 of 37
Response to Vendor Queries                                                           Functional                                                                                    SBIGICL
 Sr.     Page #         Point /   Clarification point as stated in the tender document                   Comment/ Suggestion/ Deviation                                Response
 No.                  Section #
 324                 Annexure 3- The System should support creation of simplified and detailed data Same as above                                          OK
                     Functional entry by customer segment / channel / product
                     requirement
                     s-Policy
                     administrtio
                     nunder
                     writing-2.13



 325                 Annexure 3- The system should be capable of pricing at a contact level (i.e.   Detailed discription of the function is required for   Rating should depend on : e.g.
                     Functional combining all products offered to a individual contact) and product clarity                                                no. of products purchased by
                     requirement level (i.e. All LoB offered) including:                                                                                   the contact from SBIGICL, the
                     s-Policy                                                                                                                              type of insurance purchased
                     administrtio                                                                                                                          etc.
                     nunder
                     writing-
                     1.3.26


 326                 Page 60/     Applications/functions-Reinsurance                                   Since Reinsurance functions will be very much       All basic reinsurance
                     Clause                                                                            essential whether adequate methods will be          functionality like set up treaties
                     5.1.2                                                                             implemented to forego in the phase1?                in the CIS will be required at
                                                                                                                                                           launch.
 327                 Page 59/     Products-Business interuption cover                                  Whether this cover will be an option under the      BI policy should be configured
                     Clause                                                                            main policies?                                      along with Fire policy in phase 1
                     5.1.1                                                                                                                                 itself
 328                 Page 59/     Products-Stand alone Fire & perils                                    since this is a new product ,some more details     Stand-alone effectively means -
                     Clause                                                                            on of "stand alone" required,                       a single policy not part of a
                     5.1.1                                                                                                                                 package policy
 329   Annexure -2              1 Scanning                                                             Comment – Insurance Industry in India majority      SBIGICL would like to reduce
       (Image                                                                                          of work is done using paper. Ingestion              the amount of paperwork as far
       Based                                                                                           Management is not automated.                        as possible
 330   Processing)                                                                                     Suggestion – To increase the productivity and       OK
                                                                                                       faster issuance of policy and settlement of
                                                                                                       claims, Capture Automation is recommended.
                                                                                                       Using Auto-classification during the
                                                                                                       capture/scanning stage saves the pre-
                                                                                                       preparation tasks like pasting barcodes and
                                                                                                       inserting separator sheets etc. can be
                                                                                                       eliminated.
 331                                                                                                   E.g main application and the supporting             OK
                                                                                                       document should be automatically classified by
                                                                                                       the system.
 332                                                                                                   Please include the following in tender
                                                                                                       specifications –
 333                                                                                                   1) Intelligent Document Classification - The        This could be appropriate if
                                                                                                       system should support classification of             Barcode is illegible
                                                                                                       documents not only on basis of barcode, or
                                                                                                       anchors but also pattern recognition and
                                                                                                       Intelligent Document Recognition
 334                                                                                                   2) The Capture Product should support Image       OK
                                                                                                       Assisted Data entry with Highlighting of the Zone
                                                                                                       and even at Characters level.
 335                                                                                                   3) The Capture product should have inbuilt        OK
                                                                                                       capability to do a full page OCR and also convert
                                                                                                       the images to Searchable forms like Searchable
                                                                                                       PDF.
 336                                                                                                   4) The Capture product should support task          OK
                                                                                                       routing mechanism within the different modules
                                                                                                       of the imaging solution like – Scanning, Image
                                                                                                       preprocessing, classification, extraction/Manual
                                                                                                       Indexing and Export.


 337   Annexure -2              1 Scanning                                                             Comment – Scalability - There is a huge volume Yes
       (Image                                                                                          of data which needs to be scanned and
       Based                                                                                           uploaded in system. Capture product should be
       Processing)                                                                                     scalable to meet the requirements.

 338                                                                                                   Suggestion – We suggest to include following in
                                                                                                       scanning specifications to ensure the scalability

 339                                                                                                   1) Capture tool should be capable of delivering OK
                                                                                                       asynchronous processing - work doesn‟t “wait”
                                                                                                       for other pages in the batch to enable parallel
                                                                                                       processing without compromising on Document
                                                                                                       integrity




Addendum 1                                                                         Page 30 of 37
Response to Vendor Queries                                                       Functional                                                                                SBIGICL
 Sr.     Page #         Point /  Clarification point as stated in the tender document                 Comment/ Suggestion/ Deviation                            Response
 No.                   Section #
 340                                                                                           2) The Capture product should support Indexing Ok
                                                                                               at multiple levels – Batch Level Indexing, Folder
                                                                                               Level Indexing, Document Level Indexing, Page
                                                                                               Level Indexing.
 341                                                                                           3) Web based Capture through document                   Ok
                                                                                               scanning, document acquisition, automatic data
                                                                                               capture e.g. Uploading of email, incoming fax,
                                                                                               scheduled uploading from directories.

 342                                                                                           4) The capture product must be able to support          OK
                                                                                               both centralized and distributed capture
                                                                                               environments
 343   Annexure -2              1 Scanning                                                     Comment – Capture application should be able OK
       (Image                                                                                  to integrate with BPM and SOA architecture and
       Based                                                                                   should support input and output services to
       Processing)                                                                             integrate in SOA architecture.

 344   Annexure -2              1 Workflow/Storage                                             Comment – To reduce the coding/integration      Yes. But not point to point, but
       (Image                                                                                  effort between capture/scanning and Repository through standard set of
       Based                                                                                   Capture Engine and Repository should be tightly interfaces
       Processing)                                                                             integrated.
 345                 1 Incoming Incoming Document Management                                   Comment - Volume of data is huge so DMS                 OK. Vendor suggestion
                       and                                                                     repository should be scalable to meet the               Modified and included in
                       Outgoing                                                                performance requirements and benchmarks                 addendum 1 in annexure 2
                       Document                                                                should be available.
                       Manageme
                       nt                                                                      Suggestion –
                                                                                               1) DMS should be certified with the Common
                                                                                               Criteria standards (Details see
                                                                                               http://www.commoncriteriaportal.org/). Focal
                                                                                               points of the CC-certification are security,
                                                                                               deletion, audit trails and access to audit trails, as
                                                                                               well as secure transfer. Furthermore it needs to
                                                                                               be ensured that the system is not hack able.

                                                                                               2) Granular access control – System should
                                                                                               provide following hirer cal access rights :


                                                                                               the document




                                                                                               a document but not be able to modify the original
                                                                                               version.




Addendum 1                                                                     Page 31 of 37
Response to Vendor Queries                                                Functional                                                                          SBIGICL
 Sr.   Page #    Point /  Clarification point as stated in the tender document                 Comment/ Suggestion/ Deviation                      Response
 No.            Section #
 346                                                                                    3) Provide capabilities to encrypt communication OK. Vendor suggestion
                                                                                        between the system and user‟s computer            Modified and included in
                                                                                        through standard web encryption (SSL)             addendum 1 in annexure 2
                                                                                        Encryption algorithm used must be based on the
                                                                                        Advanced Encryption Standard (AES)
                                                                                        4) Web based Capture through document
                                                                                        scanning, document acquisition, automatic data
                                                                                        capture e.g. Uploading of email, incoming fax,
                                                                                        scheduled uploading from directories.
                                                                                        5) The Capture product should support both
                                                                                        browser (web) based scanning and indexing
                                                                                        capabilities.
                                                                                        6) Capture tool should be capable of delivering
                                                                                        asynchronous processing - work doesn‟t “wait”
                                                                                        for other pages in the batch to enable parallel
                                                                                        processing without compromising on Document
                                                                                        integrity
                                                                                        7) The Capture product should support Indexing
                                                                                        at multiple levels – Batch Level Indexing, Folder
                                                                                        Level Indexing, Document Level Indexing, Page
                                                                                        Level Indexing.
                                                                                        8) DMS and Capturing tool should be integrated
                                                                                        and must provide following functionality out of
                                                                                        box.

                                                                                        appropriate processes internal based on
                                                                                        classification of the documents and meta data.

                                                                                        to attach appropriate lifecycles

                                                                                        to assign the appropriate security and access
                                                                                        control profile based on the document type

                                                                                        to export images to the correct folder location
                                                                                        and create a folder if necessary

                                                                                        to create a new version (Major and Minor ) of
                                                                                        document if one already exist.
                                                                                        9) System should provide detailed out-of-box
 347                                                                                    16) Must be able to provide major (e.g. 1.0, 2.0), OK. Vendor suggestion
                                                                                        minor (e.g. 1.1, 1.2) and branch version (e.g.     Modified and included in
                                                                                        1.0.1, 2.1.0.1) control. A “reason for change”     addendum 1 in annexure 2
                                                                                        comments entry and version label entry must
                                                                                        also be provided.
                                                                                        17) Drag and drop bulk file content import.
                                                                                        Provide support for unlimited file formats.
                                                                                        18) Ability to authenticate user against LDAP
                                                                                        (Lightweight Directory Access Protocol )
                                                                                        directory services
                                                                                        19) Capability to version metadata associated
                                                                                        with documents must also be provided
                                                                                        20) System must provide web-based
                                                                                        administration tool and provide a single point of
                                                                                        access for managing and administering all
                                                                                        repositories, servers, users and groups
                                                                                        regardless of their location across the enterprise
                                                                                        21) System should provide configuration to limit
                                                                                        the selections or actions available for a given
                                                                                        user, location, or object type. The configurable
                                                                                        constrains can tailors the user experience. This
                                                                                        should not involve any coding. Examples of
                                                                                        limits selections and actions by applying one or
                                                                                        more rules to the user, location, or object type




Addendum 1                                                              Page 32 of 37
Response to Vendor Queries                                                  Functional                                                                           SBIGICL
 Sr.   Page #      Point /  Clarification point as stated in the tender document                 Comment/ Suggestion/ Deviation                       Response
 No.              Section #
 348                                                                                      a. Permissions - The permission sets that can be OK. Vendor suggestion
                                                                                          assigned to an item                                 Modified and included in
                                                                                          b. Formats - The formats that can be assigned to addendum 1 in annexure 2
                                                                                          new, imported, or checked in objects
                                                                                          c. Types - The repository object types that can
                                                                                          be assigned to new or imported objects
                                                                                          d. Groups - The groups or roles in a selection list
                                                                                          for a permission set
                                                                                          e. Workflows - workflow templates available for
                                                                                          starting a new workflow
                                                                                          f. Templates - The templates available when
                                                                                          creating new objects
                                                                                          g. Actions - The available menu items, tool
                                                                                          buttons, action links, and action buttons
                                                                                          h. Attributes - The default values available for an
                                                                                          attribute when a file is created or linked
                                                                                          i. Navigation - The available repository nodes




 349            1 Incoming Outgoing Document Management                                   Comment – Customer communication is                OK
                  and                                                                     important aspect for growing the new business.
                  Outgoing                                                                System should be able to generate the
                  Document                                                                personalized messages and should be able to
                  Manageme                                                                support targeted marketing campaign to
                  nt                                                                      increase the cross-sell and up-sell oppertunities.


 350            1 Incoming Outgoing Document Management                                   Output management tool to enable effective       Already covered in technical
                  and                                                                     customer communication must support the          requirements.
                  Outgoing                                                                following features.
                  Document
                  Manageme                                                                1) Input Formats
                  nt                                                                      The product supports the following data input
                                                                                          formats:
                                                                                          - XML
                                                                                          - CSV
                                                                                          - .DOC
                                                                                          - images
                                                                                          - txt
                                                                                          - others

                                                                                          2) Output Formats
                                                                                          The product supports the following output
                                                                                          formats:
                                                                                          - PDF
                                                                                          - PCL
                                                                                          - HTML
                                                                                          - Postscript
                                                                                          - Email
                                                                                          - SMS
                                                                                          - Fax
                                                                                          - XML
                                                                                          - Others

                                                                                          3) Template/Rule Maintenance Processes
                                                                                          Creation/Editing/Composition Functionality
                                                                                          - Suitable for non IT people to create and
                                                                                          maintain
                                                                                          - WYSIWYG capability
                                                                                          - Simple rule language
                                                                                          - Simple Component Assembly
                                                                                          - Self documenting
                                                                                          - Clear rule interactions including order of
                                                                                          interaction
                                                                                          - Rule debugging functionality




Addendum 1                                                                Page 33 of 37
Response to Vendor Queries                                                          Functional                                                                                   SBIGICL
 Sr.     Page #        Point /  Clarification point as stated in the tender document                        Comment/ Suggestion/ Deviation                           Response
 No.                  Section #
 351                                                                                                  4) Template/Rule Functionality. Support for:        OK. Vendor suggestion
                                                                                                      - Data from multiple sources in same rule           Modified and included in
                                                                                                      - Static text and branding                          addendum 1 in annexure 2
                                                                                                      - Environmental variables (Test/QA/Prod)
                                                                                                      - Date logic
                                                                                                      - Data validation and exception handling
                                                                                                      - Rules can be specified at the section,
                                                                                                      paragraph, sentence, word, table cell level,
                                                                                                      object

                                                                                                      5) Preview and Testing Capability
                                                                                                      - Preview mode
                                                                                                      - Impact analysis and cross references
                                                                                                      - Testing functions (automated compares
                                                                                                      between output versions, etc)

                                                                                                      6) Integration with ECM
                                                                                                      - Ability to pass output to common standards
                                                                                                      based content repositories

                                                                                                      7) Graphics & Advanced Text Functions
                                                                                                      Ability to enhance the data with:
                                                                                                      - Graphs
                                                                                                      - Dynamic Tables
                                                                                                      - Graphics
                                                                                                      - Bullet Points
                                                                                                      - Support for all printable characters
                                                                                                      - Exact positioning of text
                                                                                                      - Page numbering (x of y)

                                                                                                      8) Document Barcode and Postal Barcode
                                                                                                      Support
                                                                                                      Support for:
                                                                                                      - Postal Barcodes and extensions
                                                                                                      - Common Insertion Bar-coding formats

                                                                                                      9) Scheduling
                                                                                                      Ability to schedule document generation
                                                                                                      - Immediate
 352        60       5.1.2        12, Reinsurance                                                     Will implementation of resinsurance involve         1. The RI module should be
                     Applications                                                                     capturing reinsurance data for policies and         capable of supporting various
                     /Modules                                                                         claims already in the database? How will treaty     treaties entered into between
                     and                                                                              accounting be done after going live on              SBIGICL and RI partners.
                     Delivery                                                                         Reinsurance?                                        2. The implementation of
                     Channels                                                                                                                             reinsurance will also involve
                                                                                                                                                          capturing reinsurance data for
                                                                                                                                                          policies and claims already in
                                                                                                                                                          the database.
                                                                                                                                                          3.The RI module should be
                                                                                                                                                          linked to the accounting module
                                                                                                                                                          which in turn will be linked to
                                                                                                                                                          the GL system


 353   Annexture -2 Claims(14.1 The screen design and layout should mimic the claim form.             Whether SBI wants Claim Screens and Claims          Yes
        (Functional    2.8) &   Changes in screen layout and design should be definable by the        Business Logic also to be configurable.
       Requirement Claims(14.1 business users. (14.12.8)
            s)         2.12)    The data entry for claims screens should be configurable for each
                                line of business/peril/claims type/incident type/ channel. The fields
                                on various screens should be hidden or made mandatory as
                                required. (14.12.12)
 354   Annexture -2 Claims(17.6 The system should permit association of multiple policies/perils to   Please elaborate on associating multiple policies   1. Multiple policies will get
        (Functional      )      a claim as well as multiple claims to a policy/ perils.               to a claim. What would be the common factor in      effected in a CAT event e.g.
       Requirement                                                                                    the policies to be able to associate with same      earthquake, flood
            s)                                                                                        claim?                                              2. Cover types within a policy
                                                                                                                                                          e.g. building, contents, stock
                                                                                                                                                          should form individual claims
                                                                                                                                                          under an umbrella claim
                                                                                                                                                          (parent/child) but be linked to a
                                                                                                                                                          single event.

 355   Annexture -2 Claims(21.1 Claims Assesment: The system should calculate the settlement          Please elaborate on the definition of               1. If a building is worth 2cr but
        (Functional     .2)     amount by taking into account underinsurance,                         underinsurance and how it should affect             fire insurance is taken for 1cr
       Requirement                                                                                    calculation of settlement amount                    then it is underinsurance
            s)                                                                                                                                            2. The claims officer will define
                                                                                                                                                          the percentage of claim amount
                                                                                                                                                          payable in cases of
                                                                                                                                                          underinsurance.It will be
                                                                                                                                                          rule/algorithm driven.




Addendum 1                                                                        Page 34 of 37
Response to Vendor Queries                                                            Functional                                                                                  SBIGICL
 Sr.     Page #       Point /   Clarification point as stated in the tender document                          Comment/ Suggestion/ Deviation                          Response
 No.                 Section #
 356   Annexture -2 Claims(21.1 Claim Assesment: The system should calculate the settlement            Please elaborate on the scenario in which a         The impact on the settlement
        (Functional     .8)     amount by taking into account claim expediency charge                  claim expediency charge will be levied and how      cost will be driven via rules.
       Requirement                                                                                     it would affect the settlement amount               The expediency charge may
            s)                                                                                                                                             result in adjustments being
                                                                                                                                                           made to a Third Parties
                                                                                                                                                           negotiated rates due to delayed
                                                                                                                                                           delivery or the like.
 357   Annexture -2 Claims(27.8 The system needs to define and capture the type of recovery            Please elaborate on the types of uninsured loss Uninsured loss could include
        (Functional      )      salvage, uninsured loss etc.                                           to be supported and the methodology of support underinsurance, loss of income,
       Requirement                                                                                                                                     personal effects
            s)

 358   Annexure - 2     1.3      Handling of inward treaty business-either direct business or other    What is meant by "direct" or "other treaty"?        This is meant to reflect the
           (Re                   treaty business                                                                                                           source of the business. Direct
        Insurance)                                                                                                                                         will be for business sourced
                                                                                                                                                           directly from another
                                                                                                                                                           insurer/reinsurer. "Other
                                                                                                                                                           Treaty" is intended for broker
                                                                                                                                                           acquired inward business.


 359   Annexure - 2      6       Users should be able to configure application of RI at risk item or   What are Risk Item, Policy Level, Product           RI arrangement can be based
           (Re                   policy level or at product portfolio level. The system should         portfolio level? Risk items are like Building,      on : e.g.
        Insurance)               facilitate this via a GUI.                                            Stocks, Specific machinery etc. Will                Risk Item : Bldg, stock
                                                                                                       arrangements be done separately for each such       Policy Level : Within a Fire, EEI
                                                                                                       risk types? By product portfolio does it mean to    policy
                                                                                                       have different reinsurance arrangement for          Product Portfolio : Fire Portfolio
                                                                                                       different products? What is meant by policy         consisting of all fire policies
                                                                                                       level? Is it per policy basis? Is it same as
                                                                                                       overriding?

 360   Annexure - 2      7       The system should support computation of re-insurance premium, What is earning of commission? Is it similar to            Yes, similar to earning of
           (Re                   commission and claims calculations including the earning of    earning of premium?                                        premium. Earned commission
        Insurance)               premiums and commission                                                                                                   means the commission amount
                                                                                                                                                           for the period run by a policy

 361   Annexure - 2      19      The system should be able to handle commutation, both complete What does partial commutation mean? Is it the              Partial commutation is where a
           (Re                   and partial                                                    case that one reinsurer wants to decrease his              reinsurer may commute only
        Insurance)                                                                              share in the treaty and some other, already                part of the claim amount, with
                                                                                                participating in treaty or a new one, will bear the        the remaining claim to be
                                                                                                share?                                                     settled under the usual terms
                                                                                                                                                           and conditions of the
                                                                                                                                                           arrangement.
 362   Annexure - 2     1.4.5    Should be possible to have the remuneration linked to number of       Will this Incentive Calculated Annually ? Will it   Can't be determined currently
       (Commission               policies sold, and have it work on volume slabs as per 1.4.4          be taxable? Should this be given in addition to
         Incentive)                                                                                    the normal commission. Will the incentive
                                                                                                       depend only on nos of policies or on other
                                                                                                       parameters like new customer brought in etc.


 363   Annexure - 2     1.4.6    Should be possible to have a minimum number of policies as a          Will this Incentive Calculated Annually ? Will it   Will be provided/decided at the
       (Commission               threshold before making any incentive payments                        be taxable? Should this be given in addition to     time of implementation
         Incentive)                                                                                    the normal commission. Will the incentive
                                                                                                       depend only on nos of policies or on other
                                                                                                       parameters like new customer brought in etc.


 364   Annexure - 2     1.4.7    Using mathematical formulas                                           Will this Incentive Calculated Annually ? Will it   Will be provided/decided at the
       (Commission                                                                                     be taxable? Should this be given in addition to     time of implementation
         Incentive)                                                                                    the normal commission. Will the incentive
                                                                                                       depend only on nos of policies or on other
                                                                                                       parameters like new customer brought in etc.


 365   Annexure - 2     1.7      The system should support hierarchical commission / incentive for Do the commission gets distributed across the           Tree structure
       (Commission               multiple levels.                                                  hierarchy
         Incentive)

 366   Annexure - 2     1.8      There may be more than one channel partners in a single policy. In Does it means that for a single policy , you   1. A single policy can have
       (Commission               such cases the system should process commission / incentive for appoint more than one agents . How will the ratio more than one
         Incentive)              all channel partners based on a pre-defined ratio.                 be decided for division of commission .        agent/broker/bank. It can be
                                                                                                                                                   any combination
                                                                                                                                                   2. Ratio for division of
                                                                                                                                                   commission will be decided at
                                                                                                                                                   the time of implementation
 367   Annexure - 2     6.1      The system should be able to generate channel partner wise            Does you commission depend on other factors Will be provided/decided at the
       (Commission               commission / incentive statements giving full details of the          other then (Net premium - premium not attracting time of implementation
         Incentive)              computation down to individual policy/cover type/peril/risk level.    commission like TP loading etc)




Addendum 1                                                                         Page 35 of 37
Response to Vendor Queries                                                            Functional                                                                                    SBIGICL
 Sr.     Page #         Point /  Clarification point as stated in the tender document                          Comment/ Suggestion/ Deviation                           Response
 No.                   Section #
 368   Annexure 2         3      The billing and collection process pertains to collection of funds     What is Manual Billing ? Do you want to update       Manual billing indicates cases
        (Billing)                (e.g. for premium, deductibles, recoveries) from contacts in the       the collection details through an XL in batch        where the Bill is generated
                                 system. The system should support manual or automatic billing.                                                              manually by the users defining
                                 The manual process may also be run using a job scheduler.                                                                   the paying party, amount,
                                                                                                                                                             reason for payment, etc. This
                                                                                                                                                             point does not pertain to
                                                                                                                                                             collection but generation of bills
                                                                                                                                                             to third parties.


 369   Annexure 2          8       The funds may be collected / remitted using different methods, via What is payment over the phone?                        Payment over phone means
        (Billing)                  a payments gateway (payments from the internet, over the phone                                                            ability use Mobile based
                                   etc) such as                                                                                                              payment or IVR based payment

 370   Annexure 2         12       The system should allow billing each installment separately or       We hope to do this customer id wise                  Yes
        (Billing)                  aggregate several installments and send one invoice for all
                                   installments.
 371   Annexure 2         18       The system should support change of billing / collection method on Should it be allowed at all stages ? What are the This point is not about changes
        (Billing)                  any payment / installment.                                         editable fields .                                 in fields by about change in the
                                                                                                                                                        PAYMENT METHOD (e.g. from
                                                                                                                                                        cheque to case to online, etc.)

 372   Annexure 2         26       System should have the capability to automatically release funds     Do you want to say that if a proposal is written     1. Yes.
        (Billing)                  when funds become available                                          and not collected due to lack of funds , and say     2. Priority rule will be
                                                                                                        today a cheque is deposited in the customers         decided/provided at the time of
                                                                                                        account , then that proposal will be automatically   implementation. It could depend
                                                                                                        collected . There will be many proposals             on client relationship,type of
                                                                                                        competing for funds , how do you intend to           product etc.
                                                                                                        prioritize
 373   Annexure - 2       1.4      Premium allocation on quota share pooling arrangements               What is Premium allocation on quota share            Where a quota share is
        (Insurance                                                                                      pooling arrangements?                                available, the premium values
           Acc)                                                                                                                                              should be automatically
                                                                                                                                                             allocated to the correct
                                                                                                                                                             accounting areas - e.g.
                                                                                                                                                             reinsurance premium etc.


 374   Annexure - 2       20       Post a cancellation, the accounting entries towards GWP, CI & RI     Accounting should be reversed on cancellation        Yes. Entry reversal
        (Insurance                 should automatically be passed in the system                         dates ?
           Acc)

 375   Annexure - 2       28       System should facilitate reconciliation of Accounting entries and Can you list , some of these adjustments                These adjustments could be for
        (Insurance                 GL accounts. System should allow making adjustments and record                                                            receivables, billed amount,
           Acc)                    reasons for adjustments.                                                                                                  received amount, etc.

 376   Annexure - 2       34       There should be a functionality for day end closing wherein the      Do you want to have day closing at user level ?      Yes
        (Insurance                 deposit details are checked with the receipts created. This should
           Acc)                    be at a user & location level

 377                  Annexure     BOM: Application licenses                                            Please give details about number of users            Will be provided/decided at the
                      10 – BOM                                                                          Agents/brokers/channel members                       time of implementation
                      Licenses                                                                          Offline users
                                                                                                        Total marketing campaign users
                                                                                                        Total sales reps
                                                                                                        Call center users
 378                  4. Reporting For BI/Reporting Tool Sizing                                                                                              Will be provided/decided at the
                      tools        1. Total No. Of BI Users                                                                                                  time of implementation
                      features     2. Total No. of Concurrent Users
                                   For MOLPA
                                   1. Total No. Of Users
                                   2. Total No. of Concurrent Users


 379   Annexure 2 Sheet "Cust Customer Servicing                                                        Does Customer refer to the existing customer         Both existing client and
       Functional  Servicing"                                                                           (Having a policy with SBI ) or prospective client    prospective client.
       Requirement                                                                                      (enquiring about a particular policy and applied     The module should cover
                                                                                                        for quote creation)?                                 1.1 Query;
                                                                                                                                                             1.2. Complaints;
                                                                                                                                                             1.3. Service Requests;
                                                                                                                                                             1.4. Leads;
                                                                                                                                                             1.5. Etc


 380   Annexure 2 Sheet            Voice logs should be maintained for x period.                        x denotes hours , days , months or it needs to be dynamic as per the change
       Functional  "Customer                                                                            dynamic as per the change.
       Requirement contact
                   centre"
                   point 1.5




Addendum 1                                                                          Page 36 of 37
Response to Vendor Queries                                                            Functional                                                                                  SBIGICL
 Sr.      Page #      Point /  Clarification point as stated in the tender document                           Comment/ Suggestion/ Deviation                           Response
 No.                 Section #
 381   Annexure 2 Sheet        It should be possible to perform a quality check on the images and      Clarification required on whether the system wrt 1. STP
       Functional  "Image      accordingly rescan documents or approve the images.                     quality check is a STP or manual                 2. Policy Personnel
       Requirement based pr"                                                                           process.Decision based on whether to discard
                   point 1.4                                                                           the image is based on whose final
                                                                                                       judgement…system or policy personnel


 382   Annexure 2 Sheet           It should be possible to retrieve images along with their            History of images/ documents maintained esply        Yes. No. of yrs for archival
       Functional  "Image         transactions.                                                        for old policies which have been cancelled or        purpose will be decided at the
       Requirement based pr"                                                                           lapsed long back?                                    time of implementation.
                   point 4.2
 383   Annexure 2 Sheet           Cancellations may be initiated either by the customer or by the      Cancellation by the system.Is this with reference    Validation rules fed to the
       Functional  "Policy        insurance company or by the system                                   to failure of the system to perform properly :eg     system , referring to which the
       Requirement Admin"                                                                              hardware failure in the process of issuance of       system takes the judgement of
                   point 3.1                                                                           policy? Or validation rules feeded to the system ,   cancellation
                                                                                                       refering to which the system takes the
                                                                                                       judgement of cancellation?


 384   Annexure 2 Sheet           The system should facilitate advance commission / incentive    The statement seems to be incomplete                       The system should facilitate
       Functional  "Commissio     payments. Such advance payments should be recovered from the                                                              advance commission /
       Requirement n              subsequent commission / incentive payouts. In case the advance                                                            incentive payments. Such
                   Incentives"    amounts cannot be fully recovered from the next commission /                                                              advance payments should be
                   point 3.3      incentive                                                                                                                 recovered from the subsequent
                                                                                                                                                            commission / incentive payouts.
                                                                                                                                                            In case the advance amounts
                                                                                                                                                            cannot be fully recovered from
                                                                                                                                                            the next commission / incentive
                                                                                                                                                            payout then the recovery
                                                                                                                                                            should be carried forward to the
                                                                                                                                                            subsequent commission /
                                                                                                                                                            incentive payout cycle.




 385   Annexure 2 Product      Link to word processing for production of standard letters e.g.         What all document formats are expected from          Will be provided/decided at the
       Functional  congfigurat quote letters, letters requesting further information etc.              the system?                                          time of implementation
       Requirement o/ 11.7

 386   Annexure 2 Quote/ 1.4      The system should support quotations for multi-section, multi-risk   What is exactly is meant by multi-section?           Multi section,: Fire, EEI,
       Functional                 and multi-location contracts.                                                                                             Burglary, Liability, MBD, Money-
       Requirement                                                                                                                                          in-Transit etc.

 387   Annexure 2 Quote/ 4.1      The system should generate a message to the user if a quote is       We assume user to be the customer and                Yes
       Functional                 referred                                                             referred to indicate referrals sent to the
       Requirement                                                                                     underwriter / underwriting team.

 388   Annexure 2 Cover Note/ The cover notes should have a validity period (e.g. 60 days) after The statement seems to be incomplete                       The cover notes should have a
       Functional  2.1        which it lapses. The system should be able to track the validity and                                                          validity period (e.g. 60 days)
       Requirement            generate appropriate alerts and escalations, (this should be                                                                  after which it lapses. The
                              controlled through GUI), if the cover note is not converte                                                                    system should be able to track
                                                                                                                                                            the validity and generate
                                                                                                                                                            appropriate alerts and
                                                                                                                                                            escalations, (this should be
                                                                                                                                                            controlled through GUI), if the
                                                                                                                                                            cover note is not converted to a
                                                                                                                                                            policy before the expiry date of
                                                                                                                                                            the cover note.


                                                                               End of Functional Queries




Addendum 1                                                                          Page 37 of 37

				
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