The distribution twin — for one branch cluster: its empanelled network nodes, node health, IRDAI / ISO compliance audits, cashless-portal integration posture, renewal book and field surveyors, with the data grain that says how bankable its P&L is.
6 of 16 branch clusters report at true branch-grain actuals — leaving ₹2,418 Cr of premium on softer grain. Convert the 10 estimated clusters to actuals on TCS BaNCS to make the branch P&L bankable, then mine the healthy network base to cross-sell across motor, health & commercial and deepen the Central Bank bancassurance footprint.
5 of 6 headline metrics improving vs prior · still off target: Cashless Settled < 3 Hours 96.0% vs 98.0%, Digital Policy Issuance 87.0% vs 92.0%, Cashless Settled < 2 Hours 87.0% vs 92.0%
₹2,418 Cr of premium sits on zone-allocated or zone-only grain — diligence discounts what it can't verify.
₹3,700 Cr of in-force / renewal premium sits on a network of 16,530 empanelled providers — the warmest expansion surface Generali Central has.
This is the view the distribution and branch-operations teams act on. Each cluster is a living book — pick one and see its network hospitals, garages & TPA nodes, what's healthy vs degraded vs offline, its next IRDAI / ISO compliance audit, the nodes below the cashless-portal baseline, and its renewal book. The data-grain thread runs through it: the data grain tells you how much of this branch's number you can bank. It's the single-cluster drill-down for Org Roll-up 360.
Network nodes · health · compliance · integration · renewals · surveyor — plus the data grain and a next best action.
Integration drift tracks data-grain: low-coverage / off-ledger branches carry more network nodes off the cashless-portal baseline.
Routed to the open non-conformances above; network telemetry opens the case, the branch / surveyor team closes it.
3,134 healthy network nodes, clean audits. Point the cross-sell flywheel here: attach Health & PA onto the motor-led base.