The document summarizes the process undertaken to address a drop in morale among minimum wage employees at a company. A 4-stage process was used: 1) Identifying 31 minimum wage employees, 2) Surveying employees to understand problems, 3) Conducting focus groups to discuss issues further, 4) Presenting two insurance plan options to management and recommending universal health insurance to benefit employees. The process identified key issues like a lack of insurance and large loans affecting employee performance and proposed providing health insurance to help address the problems.

2. › The company often reviews the performances of their
employees. The management and I noticed a drop in the
employee morale of minimum wage employees. These
employees are usually clerks or mechanics. I decided to
conduct a survey to understand their stand on the matter
and the reason for the drop in their performance and
morale.

3. › Once the problem had been identified the management wanted
to find a solution.
› I ideated the process to find a solution. I created a 4 stage
process. All these stages were integral to finding a solution.
› The 4 stages :-
• Identifying the minimum wage employees
• Creating surveys to understand their specific problems
• Creating focus groups and conducting Q&A sessions with
each
• Finding a solution

4. 4) Finding a solution
3) Creating focus groups and conducting Q&A sessions with each
2) Creating surveys to understand their specific problems
1) Identifying the minimum wage employees

5. STAGE 1

6. › Nikhil Automobiles has approximately 300 employees who can be
divided into 4 distinct categories
• Management
• Ground Staff
• Servicing
• Tech

7. › I looked at the employee roster and identified all the
minimum wage employees who did not enjoy the benefits
and perks of those above them.
› Minimum wage employees are those who receive less than
8000 rupees per month.
› Nikhil automobiles has 31 employees who fit the criteria.

9. STAGE 2

10. › The surveys were created using survey monkey, an online
platform. Since most of the employees did not have access
to a computer the survey was filled out manually. (I then
translated the results onto the online platform)
› The surveys were conducted in Hindi to ensure complete
understanding. The surveys included questions pertaining
to their economic background as well as their familial
background.
› The surveys also played a vital role in creating the focus
groups.

11. › Do you have any children?
› If you do, how many children do you have?
› If you do have children, do they go to school?
› How many people are there in your family?
› Does your family have any history of life threatening diseases ?
› Do you have any type of insurance?
› Are you the sole earner in your family?
› What is your monthly expenditure?
› Do you have any type of loan? If you do how much is it?

12. नननननननननननननन नननन ननननन नन नन नननन ननन ननननन नन न, न नन न नननननननननननननन नननन नननननन नन न नननननन ननननन न नन ननन न ननन न ननननन ननननननननननन नननननन नननन ननननन नन ननननननननननननननननन न नननन ननन
न न नन न न, नननन न ननन ननन नन नन ननन ननन नन न न नननन ननन न नन न न न ननन न ननन नननननननननननन!
- नन न ननन न न नननननन
Employee Benefit Program
1. ननन नननन नननन
ननन
नन
2. न ननननन नननन नननन?
न
न
न
न
Other (please specify)
3. ननन नननन नन ननन न ननननन? न नन न नननननननन ननन नन नन नन?
4. न नननन नननन न नन नननन नन नन?
5. ननन नननन नननन न नन न नन नन नन न नननननननन?
6. ननन नननननन नन न न नननन न न न नन न नन? न नन ननन नन न न?
The surveys that were sent out, and
filled by these employees are as
shown below. 31 employees filled
out these surveys.

15. › After analyzing the surveys I realized many of these
employees, didn't have any type of insurance. In addition to
this fact they were the sole earners of their families. As said
before, many of these employees work as mechanics. They
work with heavy machinery which can have terrible
outcomes if not handled properly. Some of these
employees also had huge loans which affected their
performance.
› These issues were brought up and discussed in further
detail during the focus groups.

16. STAGE 3

17. › The focus groups contained 6 members each. Each member came
from a different socio-economic background
› Each group contained :-
• One employee who was the sole earner of their family.
• One employee who had a loan, one employee who had children.
• One employee who had any type of insurance.
• In addition to these criteria, I also ensured each focus group was
made up of both servicemen as well as ground staff. This would
result in more accurate results and a diverse set of opinions.

18. › After analyzing the surveys, I conducted focus groups
touching upon areas of conflicts brought up in the surveys.
Focus groups were vital to the process of coming up with a
solution to the problem.
› The focus groups gave me an understanding of the
employees problems, the personal interaction allowed me
to go in depth about certain issues. There were 3 focus
groups conducted with each focus group lasting for 10-15
minutes each.

19. › The focus groups touched upon issues brought up by the
surveys like the need for insurance. Many employees did
not have any sort of insurance which could have a negative
impact of their ability to perform as they didn't feel secure
and didn't have the will to commit to the job.
› Another issue brought up was loans, since I noticed a many
of these employees had large loans. These loans could be
affecting their ability to work efficiently. Another effect of
having such loans would be taking on another job which
would have adverse effects on both their work and health.

23. › Many employees raised concerns about their wages being
too low. To address these problems I suggested they
attend seminars which would help them throughout their
life. Seminars which would be organized by the dealership
and would provide them with appropriate knowledge to
invest. This would also help many of them with their loans.
This was not looked upon favorably by any of the focus
groups as they felt it would be a waste of time. This idea
wasn't carried forward.

24. › Many employees also raised concerns about not being
provided insurance. I told them I would consult the
management about it. This suggestion was looked
favorably upon by many employees who even put forth
their preferences on types of insurance.
› After careful consideration, I decided to talk to the
management about ‘mediclaim policies.’ This would be
beneficial to both the ground staff as well as servicemen.
By their reaction to the mere mention of the possibility of
the dealership, I was certain there would be a positive
effect on their performance.

25. STAGE 4

26. › After conducting the focus groups, I approached my father
(the director) with the idea of providing these employees
with insurance. There were many details which had to be
kept in mind, such as the premium not affecting the
company’s profitability greatly. The insurance plan had to
help the employees and not be minimalistic in nature. I
knew I couldn't do this alone so I used sites like “policy
bazaar” which compare various insurance options based on
an organizations needs. As a back up, I also contacted
“Pathways Insurance Solutions” who provided me with
similar choices. Eventually I finalized on two.

27. › This is a policy from ‘Bharti AXA’ which protects the
employer from legal liabilities from the employee. If taken,
it would cover any medical expenditure of the employee for
any injury sustained at work. This plan would also cover any
additional cost brought up during treatment and has no
limit but does not cover medical expenditure if the
employee is unconscious for more than 3 days and
disabled for more than 28.
› The premium varies depending on the number of
employees enrolled. The quote given was Rs.300

29. › This insurance scheme launched by ‘New India Assurance
Company Limited’ covers an entire family. Any sort of
insurance plan taken by a single member covers the entire
family, it also covers 15% of their hospitalization fees but
the members who aren’t directly insured receive only 5%.
They also have specific rules, such as the type of clinics
where their insurance plans are valid, the same applies for
hospitals and various other medical institutes.
› They charge a monthly premium of Rs. 200 but the cost
varies with the age of the employees

31. Strengths Weakness
Workmen’s
Compensation
Plan
Covers most of the medical
expenditure
Provides the dealership with
legal safety
High Premium
Covers only the employee
Universal
Health
Insurance
Plan
Covers the family of the
employees
Comparatively cheaper for the
business
Many sub-clauses which
prove loopholes
Many restrictions
No legal Safety for the
dealership

32. › After carefully analyzing both the possible insurance
options, I approached the management. I showed them
both the insurance options :-
› Workmen’s Compensation Plan
› Universal Health Insurance Plan
› I pledged my case for the workmen’s compensation plan
due to benefits it provided the business but requested the
management to look at the universal health insurance plan
as it would greatly benefit the employees.

33. › My experience at Nikhil Automobiles was really memorable.
› I’ve been in contact with the management who have been
calculating the benefit of implementing this policy.
THANK YOU