Wednesday, September 14, 2016

Telenor suraksha free family insurance

With the latest entry of jio, the telecom operators are trying their level best in attracting the customers. After the announcement of telenor suraksha scheme in the past, again now the telenor is to be expected to announce about the free insurance scheme that is extended for the entire family members of their customers.
With the earlier scheme, the beneficiary will be the customer of telenor with whom the sim is registered with. But with this family insurance scheme the beneficiaries will be the entire family of the customer.

The official press release has not yet made but from the above screenshot it have been evident that their will be some official press release either though media or though the official website about the modified telenor suraksha scheme.
Stay with this blog for latest updates on this.

Monday, January 18, 2016

Tomato Safety Android App Download And How To Use It?

What is Tomato Safety?
Tomato is an app for your mobile which gives you alerts when your phone gets stolen by someone. It provides three tier of security to your phone,
1.Sim change notifications
2.Remotely tracking of your phone
3.Starting siren by a sms

Download It HERE

I lost my phone somewhere. How to track it?
Send a text to your phone "track (last 4 characters of your password)". If your phone is not switched off and is connected to internet, you will soon get back location updates to the "superhero numbers" you have added earlier. If you believe your phone has not been stolen and is lying somewhere near around you, try "siren whistle blower" feature.

What is different in Tomato?
The features which makes Tomato different is that it is super light - doesn't take a big bite from your phone's memory, processor or battery.

Please explain "siren whistle blower". What is it?
Suppose you misplaced your phone in your home or somewhere around you. You can try to ring your phone to locate it. Brilliant!!! But what if it is in silent mode?? Here, Tomato comes handy. Send a SMS "siren (last 4 characters of your password)". Even if your phone is in silent mode, your phone will give a loud siren sound.

Does Tomato spy on me?
No, not at all. We can assure you that we are not the "bad guys". We do not collect any user identifying information.

What is the use of this app if my phone never gets stolen?
You can catch your friends when they play prank on you by hiding your phone. In that situation the siren feature of the app comes handy.

I was thinking of changing my SIM card... Will Tomato flag that too ?
You should turn off the Tomato protection before doing that. After putting in the new SIM you can turn on the protection. Please note that if you are using a dual SIM phone the order of SIM cards does matter.

Thursday, December 17, 2015

Telenor Suraksha Free Life Insurance India

Continued from the previous post - Link

What type of insurance is Telenor free life insurance?
This is a Life Insurance product. The cover is only for the life of the insured (Suicidal death is not covered nor does it cover disability/ accidental/ medical insurance).

Will death of insured due to either disease or accident be covered in this insurance?
Yes, all cases wherein the Insured couldn’t survive will be covered under this insurance. Only Suicidal death will not be covered in any case.

Why do you think it’s a great proposition?
We are the first operator to take this position as we are committed to India and believe in empowering society This comes absolutely free for our existing and new customers Also, financial security is a major concern in India and the penetration levels of life insurance are very low in comparison with global standards

Why is Telenor doing this?
Telenor India is a mass market operator, being a customer centric company with a focus on delivering additional value, Telenor felt it was a step towards keeping to our promise of full paisa vasool as our new brand promise.

Who is eligible for this telenor free life insurance?
All active Telenor India subscribers and all new customers who sign up.

Who are your partners for this scheme?
We have tied up with Sriram Life Insurance, a leading insurance provider in India and MicroEnsure.

Is there a charge/premium for this scheme?
No, this insurance is provided to all existing and new Telenor customers, who opt in, free of cost. They will have to sign up and confirm they would like to take up insurance through an easy process

Is this part of the larger strategy to offer financial services as you have already secured in principle approval for Payment banks?
Telenor India has taken a promise to offer additional value to all its customers.  As our new brand proposition we complement our Sabse Sasta position with two more – simple and fair.  In keeping with our brand proposition and ensuring more value for money to our mass market customers, we have tied up with our partners to offer Insurance which is easy to get and simple to understand.  We hope to continue extending the benefits of mobile connectivity through relevant services like insurance, payment bank and other financial services products for the mass market customers. Our aim is to deliver on Internet for All through affordable, relevant and simple services meant for the mass market consumer.

In India initiatives like Telenor life insurance is part of our endeavour to be part of the low cost financial inclusion agenda of the government. Through these services we will mitigate the risks of the people.

What is the policy document for this insurance? Who will provide that?
The customer has to sign up to be eligible for free insurance. For all policy related details please visit At the time of sign up, customer details will be validated.

Can I buy this insurance directly?
No, This insurance will be given to all Telenor customers only if they sign up and meet their recharge target.

What about new connections?
For new activations, INR 10,000 insurance cover will come as a default for the first 2 months (if the customer opts in within 7 days from activation)

If a new customer does not sign up within 7 days from activation of SIM, he/ she will not get any insurance offer for the next two calendar months. In order to activate the cover, the customer will have to sign up for insurance

What is the validity of the insurance?  
The validity of the insurance is 1 month (based on the scheme)

Does it need any medical examination for this policy? Do I need to visit your/insurance provider’s office for this?
No, this is a very simple Life Insurance policy, no medical examination is required and there is no need to visit anywhere to get insurance cover. The customer needs to opt-in and meet the monthly recharge target for getting the cover and keep the insurance valid each month.

What is the process to opt-in?
You can sign up through *121#, IVR, Call Center, your nearest retail store/retailer. If you want we can initiate the sign-up right away and you will receive a message for your consent. You just have to give your consent by replying with “1” and you will be eligible for insurance. The cover would, however, start the next calendar month only if you recharge with the required amount in the current month.

Is Insurance applicable on new SIM purchases as well?
Yes, it is applicable if the sign-up is done within 7 days of SIM activation. If the sign-up is not done within 7 days, insurance will not be applicable for next 2 calendar months.

New SIM Activation gives Rs.10K/- for 2 months, if sign-up done within 7 days.

Will I get insurance by just signing up?
No, you will become eligible for free insurance; however, you will get it only when you meet your recharge target (The cover would be valid for the next calendar month)

What is my recharge target? Who decides that and how?
Your recharge target is (inform as per CIM). This is calculated by Telenor for all customers basis your last 6 month’s recharge average.

Can I change my target?
No, you can’t change it; it is basically the average amount of your last six month’s recharges.

What do I need to do to meet the target?
You will have to recharge with this amount (inform as per CIM) to get free insurance for next month.

Is this a fixed target forever?
No, this target is applicable for 6 months, and we will calculate your target again after every 6 months

By when can I complete my recharge target?
Every month you meet your recharge target by the last date of the calendar month.

What if my recharge target is not met?
You will not get the insurance for next month

How can I get it back again or how will the renewal of this insurance will happen?
You will have to meet the recharge target in the next month to get it back in the following month. For e.g, if your recharge target for Jan’15 is not met then free insurance will not be available for Feb’15, however if you meet the recharge target for Feb’15 then Free insurance will be available in Mar’15 valid for 1 month.

What is my insurance cover amount and validity of this free insurance?
Insurance cover amount will be decided basis the total recharge done (only if the target is met) and validity will be for 1 calendar month only.  To continue the insurance in the next month, you will have to meet the recharge target for every preceding month.

Can I increase my insurance cover amount?
Yes, if you recharge more than your target amount you will get more insurance as per the product grid.

A large part of your consumers are not literate. Do you think they will be able to comprehend the service?
We have tried to make it as simple and easy to understand as possible. The customer need not worry about the documentation or the premium. In case of claim also the nominee needs to bring the SIM, Id proof and death certificate etc to initiate the process.

How do you calculate Telenor free life insurance cover amount?
It is calculated basis your overall recharge done for the month.

*Insurance will be provided on a monthly basis

What if I take high validity insurance scheme every month?
All recharges above Rs. 500 will be eligible for a high validity cover as per the table. If you recharge with any amount within the validity of your high validity cover (except the last month), it will neither impact your cover amount nor the validity. In order to continue the cover, you will need to recharge in the last month of your cover’s validity.

How will I get the benefit of this insurance?
Claims will be made in-case of mishap (death of insured person). For claims payout, insured should be covered in the month of death and the payment will be made to your nominee/who brings the required documents along-with the SIM – at the Telenor service center

How can I change the nominee?
For this you can visit the nearest store or you can tell us and we can also do it for you. You will receive a message on your phone and you will need to reply to confirm.

What information do you need for nominee?
Name of the nominee and contact details of the nominee is required (Up to 3 numbers)

Can I change the nominee details in future?
Yes, you can change the nominee details in future, if required.

When will you not give the claim to my family?
If you are not covered with insurance in the month of mishap, you will not be eligible for the claim or if you have opted-out from the insurance. Suicidal death is also not covered in Telenor Suraksha. The terms and conditions of the insurer will be valid for the payments of the claim.

Who will get the benefit?
Insurance gives cover/benefit to your family in case of any mishap; hence if something happens to you, then any member of your family can bring the documents for the claim. (claim will be made only if you are covered in that month)

What’s in it for Telenor? Do you foresee more sales and rise in ARPU?
This offer helps us to enhance the value we bring to our customers and enable us to gain loyalty among-st the customers. We aim to be the preferred telecom operator for our mass market customers. we expect that to get more strengthened with the launch of this first of its kind initiative.

What are the documents required for claiming Telenor free life insurance?
The following documents would be required in order to get the claim,

SIM card for the MSISDN, basis which insurance cover was granted to the deceased customer.
Death certificate of the deceased / Certificate from the Gram Panchayath head.
Hospital death certificate if death occurred in a hospital.
Police report in the event of accidental death or murder supported with autopsy reported, if carried out.
ID proof of the nominee is also required.
A mail from Telenor partner confirming the receipt of SIM and documents to be sent to MicroEnsure.

What if SIM card is lost?
In that case Police Complaint Copy/Acknowledgement will be required along with the documents as stated above.

How can I get to know my recharge target / insurance status / coverage amount?
All information related to Free Insurance is available on *121#, the retail stores and we can also provide the same.

How can I file a claim?
You will have to visit the nearest Telenor store along with SIM Card and the required documents. Telenor store will send an e-mail to the insurance company for claim settlement.

How long will it take to process the claim and release the amount?
Post the submission of documents to the retail stores, the TAT for processing the claim is 48 hours if there is a bank account and 7 working days if they don’t. The TAT is as per the insurance company and depends on the verification by the insurance company.

By when does the nominee have to file the claim after insured death?
Within 90 days of Insured’s death, nominee has to file a claim to be able to receive the claim amount as per eligibility.

How can I stop/deactivate this free insurance?
You will have to opt out to stop/deactivate this free insurance by calling our call center, visit our store or go online and request deactivation of insurance.

Can I get free insurance back once deactivated?
Yes, to get it back you will have to sign up again and recharge with the target amount.  You can dial *121#, IVR or through contact center, to sign up again and know your recharge target. If you want, I can do the sign up for you right away. You will receive a consent message to which you will have to send “1” as a reply

If I am insured in the current month and Opt-out from the insurance scheme, will my insurance for current month continue?
Yes, it will continue for the current month but you will not be eligible from next month onwards. To get it back you will have to sign up again.

Is there any age criteria e.g. (if customer age is more than 65 yrs then he/she would be eligible for insurance or not)?
No there is no age bar. The customer should be minimum 18 years, however, to be eligible.

Can nominee submit documents at Distributor/Retailer shop for claim insurance amount?
No, the nominee can submit the documents for claim at Retail store only.

Will customer get rebate in Tax with this insurance policy?
This is not a paid policy, hence no rebate in Tax.

What can be the maximum insurance cover amount for any customer?
Every customer is eligible to take up-to Rs 50,000 insurance cover.

What can be the maximum validity of this insurance scheme?
The maximum validity of the insurance scheme can be 1 year depending on the amount of recharge.

Can I recharge from any mode?
Yes, the recharge done from any mode except from your own main balance(STV activation via USSD) will be considered.

Will all my recharges be counted to meet recharge target?
Only STV/Top-up/Combo recharges will be considered to calculate the total recharge done in a month for free insurance.

Nominee has to submit SIM to claim the insurance amount or he can use the same SIM after claiming the insurance amount?
SIM submission is mandatory to file a claim.

What’s in it for your partners – retailers, distributors and Agents?
There is an incentive model and every time a new customer opts in, our partners will get some benefit.

How will you prevent frauds?
We, along with our partners, have done lot of ground research and study to evaluate frauds as these are bound to happen. We have already factored that in and will be able to take care of the customer with our experienced partners in this domain.

Is bank account a necessary pre requisite for reimbursement of life insurance amount in case of unfortunate incident? If yes, a large number of populace doesn’t have a bank account, how do you plan to address it?
We recognize that many of our customers do not yet have access to bank accounts. To assist we have agreed a process with the insurer, Shriram Life that claim settlements can be made by cheque and collected from the nearest Telenor Store or Shriram Branch. However, this process will take up to 7 days to complete rather than 48 hours if there is a bank account of nominee.

Once the SiM is submitted for claim can the nominee claim the SIM back or get the number issued in his / her name?
The SIM card is kept back once the claim has been registered. However, in case the nominee wants to retain the number they have to go through the normal connection activation process.

What is the premium paid by Telenor on behalf of its customers to Sriram and Microensure?
There is a complex but technical process to calculate the premium which is why we would rather not get into the amount or process.

What role is Microensure playing into this partnership?
Telenor India is a communications company and doesn’t have any expertise in insurance business. MicroEnsure works globally with insurance providers and are experts in this business. Their experience in this sector will help us serve our customers better and efficiently.

Is this insurance benefit being offered by any other Telenor Business Unit?
Something similar is happening in Telenor Pakistan and GrameenPhone too.

Why is Telenor asking customers to sign up and not give the benefit directly?
Signing up in is a process that enables us to inform and educate customer about the service and also take user’s consent for sending information on insurance and allied products.

Why is Telenor asking customers for recharge and not giving them insurance basis the existing usage?
The customer does not pay for the insurance. It is free of charge. We are asking consumers to use more services with us as we provide the best value in the market.

Why can’t the benefit of insurance start as soon as the recharge amount is done? Why do customers have to wait a month for insurance to begin?
This is part of the process and to complete the process we need a month’s time. Also, to calculate the monthly average and whether the customer has met his/her recharge target, we need a months’ time initially. After that the insurance becomes recurring.

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Thursday, November 26, 2015

Wakau.apk free download

What is Wakau?
Wakau is an exclusive service enabling subscribers to view Celebrity self-created videos blogs, on any internet enabled devices like mobile, tablets etc. It is a subscription based service, where subscriber can stream and view unlimited videos of his/her favorite Bollywood and regional celebrities/ sports personalities etc. So subscribers can simply search for their favorite celebrity’s videos by various genres, and just watch the most recently uploaded videos. Currently this service is available on Web, WAP and APP (windows, Android, iOS) and accessible on all internet enabled devices including but not limited to mobile phone, tablets, laptop etc. APPs can be downloaded from different platforms like play store for Android etc.

Download Wakau.apk HERE

How to access Wakau service?
After subscribing to Wakau service through attractive subscriptions packages vide various available modes like your mobile service provider, credit card, debit card, net banking, payment wallets etc., you may type the URL - (web) or (wap) or download the App in your device to access the celebrity video blogging service through your data connection. You may avail daily, weekly or monthly subscription.
If you are using internet data pack, then download charges will be applicable based on the data pack, or if you are using a Wi-Fi connection to download the App, charges will be applicable through your Wi-Fi plan separately.

What all you can do on Wakau?
Wakau provides streaming of videos of top celebrities for all internet enabled devices like mobile, tablets etc. Subscribers can also comment on these videos and share these on the social networking channels like Facebook, Twitter, Instagram etc.

Can you download the videos also?
No. Videos cannot be downloaded. User can only stream videos online via Web, WAP and App.

Is there any limit on number of times a Video can be streamed?
No. There is no limit on number of times. You can stream a video, till the time your subscription is active.

Payment and Charging
How much does it charge to buy the subscription? Subscription packs are available at Wakau which may be modified from time to time, and which can be bought through different payment modes available like credit card, debit card, net banking, payment gateways, payment wallets, your service provider etc. on monthly, weekly and daily basis. For Subscription charges, you may contact your telecom operator for this value added service.

Can you have a look at the videos before subscribing?
Yes, if you are a first time visitor; a free video preview of 10 seconds is available and after that you need to subscribe to the service to enjoy full video. On subscription you will be able to watch unlimited number of videos as per your subscription plan.

Will there be any charges for video streaming, and if yes how much?
Video streaming will be separately chargeable as per your mobile data plan applicable through your telecom operator or Wi Fi serice.

What are the available payment options?
This subscription packs can be taken via credit card, debit card, net banking, payment wallets, telecom operators like Airtel, Idea and Vodafone, Operators mobile wallet. It will soon be available on Aircel, Tata Docomo & Reliance GSM.

Subscription validity:
Subscriptions are valid as per the subscription pack that you have subscribed to. Pack validity is daily, weekly, fortnightly or monthly based on the subscription pack that you have bought.

Do you have to subscribe every month or will my subscription get auto-renewed?
In case of WAP services, your monthly subscription is auto renewed by default, once activated. You can deactivate the subscription at any time by sending SMS to your Telco short-code. However, in case of your services via Web and App, when your subscription period is over there will be no additional bills, no cancellation fee or any other cumbersome unsubscribe process. Of course we will love it if you re-subscribe!

What is Grace period?
Grace period is only available in case of WAP and considered as a period wherein a subscriber is due for renewal but due to insufficient funds it is pending. A user is generally in grace period for duration of 7 days. Grace periods are pre-defined by your telecom Operator. During the grace period, if the user recharges his/her mobile, he will be charged for the original subscription pack that he had subscribed to. In case of insufficient balance, it will take the next fallback price point available. However, during the grace period, user will be able to use the services.

Will a user get notified when he moves in to Grace period?
Wakau WAP portal subscriber will only be retried for charging while he/she is in grace period. He can still watch videos during grace period. But once user moves from Grace to Suspension, if he/she visits the WAP Portal again, he will get a pop up on the screen, “Please recharge your mobile wallet for renewing Wakau subscription, and continue to Wakau your Celebs.” For Wakau App subscriber, once the user moves into Grace Bucket, every time that he comes onto the App, he will get a continuous ticker on top saying, “Please recharge your mobile wallet to keep enjoying Wakau”. Once he moves from Grace to Suspension, he will get a pop up on the App screen, “Please recharge your mobile wallet for renewing Wakau subscription, and continue to Wakau your Celebs.”

What is Suspension period?
After grace period users migrate in to Suspension period wherein the users can revive the services by recharging their prepaid account. During the suspension period, user won’t be able to access the services. Once user recharges his/her prepaid account, subscription will be renewed. Post which user can again starts accessing the Wakau WAP portal or Wakau App.

How can I search for videos?
Search option is available in the top right corner of the Wakau. Just type in the keyword, name of the artist or category that you are searching for, and you will find your favorite stars videos on Wakau.

Languages Available:
Wakau is currently accessible in English. Celebrity videos are recorded in Hindi, English or their regional/native languages. What all languages of regional content is available on Wakau? In addition to Hindi and English videos by celebrities, we have regional celebrities videos recorded in their native languages, and as we keep on boarding new celebrities/regional star in their regional/Hindi language, they will keep getting added on to the portal.

Can you use same account on different devices?
Yes, you can use the service with two different devices of your choice. Only one device at a time can be used to stream videos.

Can you register 3rd device?
Registration of only 2 devices is currently supported. In case you wish to login from 3rd device you have to unregister one of your previously used devices.

The App tells me that there are network problems, what can I do?
please check the internet connectivity of your device. Wakau uses the standard internet access so if this is not available, Wakau won't work.

The streams are stuttering or breaking up, what can I do?
Check your network connectivity, if connectivity is bad the streams may break up. If connectivity improves later on, services will be available again. You can try to select a different quality stream to improve your viewing experience.

Can I select different qualities of the video stream?
The iOS devices adapt the video quality automatically to changing network conditions by using a technology that is called "Adaptive Streaming". On other device platforms, stream quality can be selected manually by tapping on the screen (on touch screen devices) or clicking on in the video stream (on desktop machines). The Video Quality can be selected manually from the player options.