Public Entities Area
Trough Public Entities Area, Viras is able to offer a complete insurance consultancy to Public Administrations that consists in the following services:
- Identification, analysis and evaluation of risks;
- Focus on "LIABILITIES" charged to Entities by laws, local rules, etc.;
- Risk and Loss Prevention;
- Risk and Loss Protection;
- Lay out of a complete and balanced Insurance Plan;
- Consulting and Assistance in every step of tender processes.
After that, Viras put at its Clients disposal the following other services:
- Consultancy and Examination on insurance covers:
comparison between legal/ economic conditions inserted in policies and the ones requested and offered by Insurers Competitors;
- Monitoring of Insurance Plan:
Insurance covers are continually monitored in order to check if they are still satisfactory referring to eventual new risks or the ones already analyzed.
- Payment of premiums:
We remind our Client of the periodical deadlines in order to avoid any problem in case of lack of insurance coverage;
- Periodical report:
We provide our Client a report on the global efficiency of existing insurance covers, indicating eventual variations about risks and consequently adapting guarantees;
- Vocational training:
Viras, if requested by Customer, organizes vocational training courses addressed to public empolyees which deal with insurance covers management in order to optimize this process.
- Claim Management
We follow our Customer during every step of claim management until their definition.
Risk Management for Public Entities has become day by day our point of strenghtness, as shown in our Clients' Portfolio.
Corporate Area
Its Corporate Area allows Viras to offer Companies operating all around the world, in every commodities sector, a structure complete for consultancy and management of the whole Insurance Plan, through the following services:
- Identification, analysis and evaluation of risks;
- Risk and Loss Prevention;
- Risk and Loss Protection;
- Risk management;
- Monitoring of Insurance Market & Market Research;
- Evaluation of insurance proposal referring to the standard quality/cost.
After the achievement of the insurance plan, Viras offers the additional following services:
- Monitoring of Insurance Plan:
Insurance covers are continually monitored in order to check if they are still satisfactory referring to eventual new risks or the ones already analyzed;
- Payment of premiums:
We remind our Client of the periodical deadlines in order to avoid any problem related to less of insurance coverage;
- Periodical report:
We provide our Client a with a report on the global efficiency of existing insurance covers, indicating possible variations about risks and consequently adapting guarantees;
- Vocational training:
Viras, if requested by Customer, organizes vocational training courses addressed to public empolyees which deal with insurance covers management in order to optimize this process;
- Claim Management:
We follow our Customer during every step of claim management until their definition.
Private Customers Area
Viras offers Families and Professionals a complete structure for consultancy and management of a tailor made insurance plan through the following services:
- Customer's classification;
- Identification, analysis and evaluation risks;
- Risk and Loss Prevention;
- Risk and Loss Protection;
- Risk management;
- Tailor made assistance;
- Assistenza personalizzata;
- Identification of risks for individuals;
- Professional indemnity;
- Focus on Customer specific needs
- Monitoring of Insurance Market & Market Research;
- Evaluation of insurance proposal referring to the standard quality/cost.
Small / Medium Companies Area
Small and medium companies represent the major part of the economic entities, to which Viras takes particular care. Our Company uses a tailor made approach that allow us to satisfy needs of small/medium companies operating in every commodities sector. Below a synthetic list of the main services offered by Viras to these Companies:
- Risk identification;
- Risk evaluation/quantification;
- Risk control;
- Risk management.
After an analysis of risks in a Company, Viras proposes a series of actions to be realized on policies following different priorities:
- priority 1 : immediate actions to be made before the deadline of policies;
- priority 2 : improvement actions to be made later because there are not serious dangers in case of lack of coverage.
Affinity Area
This area consists of a team of specialists dedicated to lay out, achieve and manage tailor made insurance plans suitable for Entities like Organizations, Companies, Associations, Trade Unions.
Our target is, in this area, represented by group of people belonging to the same category (e.g. association's members, company's employees, etc.).
The Area Affinity offers the following services:
- Analysis of Customer's activity and needs;
- Risk analysis and lay out of an Insurance Plan;
- Focus on Client's needs;
- Market researches;
- Placement of risks on National and International market;
- Claim management;
- Review of the insurance plan;
- Clear and complete statistical reports;
Benefits:
- Competitive products;
- Fidelity programmes;
- Customer care;
- Web link dedicated to insurance plan: through a direct and reserved access to the intranet or to partner's institutional web site, employees, associates and/or final Clients can have a display of insurance products, general and particular insurance conditions, how to subscribe to the insurance plan, how to report a claim and tailor made forms;
- On line buying: our Clients can buy their policies on line, by filling in a form; then they can have a display of all policy documents and of the premium to be paid. At the end we will send our Client the receipt and the policy document. Subscribe to
Claims Area
Viras takes particular care to claim management. This activity is run with efficiency, quickness and co-operation in order to guarantee a continuous monitoring and control of claims.
Our staff follow a specific standard process that consists of 5 main steps:
- Preliminar activity: we verify the content of every claim report in order to avoid that errors or mistakes could compromise the final settlement.
- Normative/administrative analysis: we study every policy in order to understand if a compensation is possible according to the policy Terms & Conditions.
- Compliance and monitoring (statistics, settlements, transactions, etc.): periodically we send our Client a claim report.
- Consultants' evaluation (Doctors, Experts): their assistance is necessary in case of grave claims.
- Claim management: we deal with claim management from the single claim report until its settlement.
In its activity of claim management, Viras uses excellent software easy to access and user friendly.
This way our Client can have a clear and updated display of his insurance situation; these are our main software:
- Pass Broker;
- Viras on line;
- Claims report on line.
International Area
This area promotes our presence on International insurance markets and deals with our business development in order to export our expertise to new economic, social, political and cultural contexts.
This activity represents a challenge for us: to put our services at disposal of Italian Corporate and / or European and Extra European Companies.
Viras manages international insurance plans following precise steps:
- analysis of local laws;
- risk management
- focus on Client's needs;
- lay out of a balanced and complete insurance plan;
- market research of the best and tilor made insurance solutions;
- insurance plan management.
We trust that a good risk management can prove to be of great benefit for every Company helping it to achieve its aims; so we offer the "international insurance plan's management using the language spoken in its country and/or in English.
Area Risk Management
Viras, thanks to its experience achieved day by day in claim management for prestigious Hospitals and Public Companies, offers an excellent Risk Management service: after having analyzed all risks, we lay out an insurance/financial plan in order to optimize the Client's global insurance cover and, consequently, his image.
A good Risk Management follows the following methods:
- After establishing the context, the first step in the process of managing risk is to identify potential risks. Risks are events that, when triggered, cause problems. Hence, risk identification can start with the source of problems, or with the problem itself. Risk sources may be internal or external to the system that is the target of risk management.
- When either source or problem is known, the events that a source may trigger or the events that can lead to aproblem can be investigated. The chosen method of identifying risks may depend on culture, industry practice and compliance
- Once risks have been identified and assessed, all techniques to manage the risk fall into one or more of these four major categories: [8]
- Avoidance (eliminate, withdraw from or not become involved)
- Reduction (optimize – mitigate)
- Sharing (transfer – outsource or insure)
- Retention (accept and budget)
- Initial risk management plans will never be perfect. Practice, experience, and actual loss results will necessitate changes in the plan and contribute information to allow possible different decisions to be made in dealing with the risks being faced.
- Risk analysis results and management plans should be updated periodically. There are two primary reasons for
this:
- to evaluate whether the previously selected security controls are still applicable and effective 2. to evaluate the possible risk level changes in the business environment.
