GROUP MEDICLAIM POLICY FEATURES Policy Period : 18 May 2017 to 17 May 2018
|
|
- Amber Daniella Higgins
- 6 years ago
- Views:
Transcription
1 FEATURES Policy Period : 18 May 2017 to 17 May
2 THE BASIC CRITERION FOR TRIGGER OF THIS HOSPITALIZATION POLICY ARE : The hospitalization should be for more than 24 hours (in certain cases, this time is relaxed, please go through details of policy to know for which ailments lesser time is acceptable) It should not be only for evaluation or diagnosis of disease. A positive / active treatment is must during the hospitalization. No hospitalization will be considered if the patient is only on oral medication during the period he or she is hospitalized. It s necessary that hospitalization is must for the treatment & the ailment could not have been treated on Out Patient basis. Hospitalisation expenses incurred during hospitalisation within India only.
3 POLICY AT GLANCE Insurance Company TPA Iffco Tokio General Insurance Co Ltd Emeditek Insurance TPA Ltd Policy Start Date 18 th May 2017 Policy End Date 17 th May 2018 Coverage Type Sum Insured Grade-wise (INR) Dependent Coverage Family Floater Sum Insured Floater Sum Insured as per Grade 1,00,000 / 2,00,000/ 3,00,000/ 5,00,000. Floater Sum Insured : Family Members : Self + Spouse + 2 Dependant Children (max age of 25 years) + 2 Parents (father & Mother) / 2 Parents-In-Laws (only in case of female employees). Date of Coverage for New Dependants (i.e. Spouse by Marriage & New Born baby by Birth) Date of such event (subject to declaration of dependent within the given timelines)
4 POLICY AT GLANCE Mid term enrolment of existing dependents Mid term inclusion of dependant not allowed except spouse by marriage & new born baby by birth from date of event subject to intimation of addition within 15 days from the date of event. Per Day Room Rent + Nursing Limit For Sum Insured Rs.1 Lac : Rs.2,000 for Normal Room and Rs.4,000 for ICU / ICCU, For Sum Insured above Rs.1 Lac : 1% of Sum Insured for Normal and 2% of Sum Insured for ICU / ICCU. If patient is admitted in higher room than the eligible room rent limit permissible as per policy. All other charges associated to room opted i.e. investigation/ diagnostic charges, doctor fees, anesthetist fees, operation theatre (OT) charges will be payable in accordance to room rent eligibility. except medicine bills. Incremental Cost Associated to Room Rent E.G If patient is admitted in room rent of Rs. 5,500 per day and his/her policy limit is Rs. 5,000 per day, than the claim will be paid on proportionate basis in accordance to eligible room rent limit. In this case the difference of 10% in room rent eligibility of Rs. 5,000 & Room Opted for Rs. 5,500 will be deducted along with all other associated charges linked to room opted like investigation, doctor fees, anesthetist fees, operation theatre (OT) charges. All other non-payable items will also be deducted as per policy terms.
5 POLICY AT GLANCE Pre Existing Diseases Waiting Period for any Treatment Dental Only Diagnostics / Evaluation Hospitalisation Out Patient Department (OPD) Benefit / Domiciliary Treatment Maternity Benefit (For 1 st two living children) Pre & Post Natal Expenses New Born Baby Expenses Emergency Ambulance Charges Pre and Post Hospitalization Expenses Hospitalisation during policy period for any pre-existing disease is covered. Not Applicable Not Covered (Except Surgery arising out of accident) Not Covered Not Covered For Normal Delivery : Covered upto Rs.30,000 in case of Single Delivery and Rs.45,000 in case of Twins For Caesarian Delivery: Covered upto Rs.60,000 in case of Single Delivery and Rs.75,000 in case of Twins Covered upto Maternity Sub Limit on Hospitalisation. Expenses incurred for the hospitalisation treatment of New Born Baby is covered under Family Sum Insured. Except Vaccination Charges & Wellcare Normal Baby Charges. Ambulance Charges necessarily incurred for shifting Patient to Hospital for admission in Emergency Ward or ICU, or from one Hospital to another Hospital for better medical facilities - Rs. 2,500 per person per incidence. 30 days pre hospitalization and 60 days post hospitalization expenses are covered relevant to admissible hospitalisation claim.
6 POLICY AT GLANCE Disease-wise Sub limits Claim Intimation Time Line Claim Submission Time line Day Care Procedures Applicable as per Annexure Hospitalisation Intimation to be given within 7 Days from Date of Admission. Intimation can be to intimation.mumbai@emeditek.com mediclaim@primefocus.com All original hospitalisation documents along with claim form to be submitted within 15 days to HR Department Prime Focus Day Care treatment refers to medical treatment, and/or Surgery which are: - Undertaken under General or Local Anesthesia in a Hospital/Day Care Centre in less than twenty four hours because of technological advancement, and - Which would have otherwise required a Hospitalization of more than twenty four hours. - Treatment normally taken on an out-patient basis is not included in the scope of this definition.
7 POLICY AT GLANCE DISEASE DISEASE-WISE SUB-LIMIT (CAPPING) For Sum Insured of Rs.1 Lac & 2 Lacs For Sum Insured of Rs.3 Lac & 5 Lacs APPENDIX 45,000 50,000 CAG (Coronary Angiography) 25,000 25,000 CATARACT (Per eye) 25,000 30,000 FESS SURGERY / SEPTOPLASTY 45,000 60,000 FISSURES 35,000 60,000 FISTULA 35,000 60,000 HERNIA 45,000 75,000 HYDROCELE 20,000 40,000 HYSTERECTOMY 50,000 75,000 CHOLECYSTECTOMY, LAPCHOLE 50,000 60,000 PILES 45,000 70,000 JOINT REPLACEMENT (PER JOINT) 150, ,000 TONSILITIS, TONCILLECTOMY 25,000 40,000 Note: Above Disease-wise sublimit is overall limit for said ailment inclusive of hospitalisation & Pre-Post Hospitalisation Expenses.
8 ADDITIONAL BENEFITS Benefits Coverages Internal Congenital Ailments - Ailments/ Deformity detected since birth & not visible to eyes. Covered External Congenital Ailments - Ailments/ Deformity detected since birth & visible to eyes. Covered upto 20 % of Family Sum Insured or Rs. 50,000 whichever is less Terrorism Related Hospitalisation Claim Covered Critical Illness Benefit If any employee gets diagnosed with a critical illness during the year, one time payment of Rs Loss of Pay If any employee is on Loss of Pay following an accident, 1% of SI per week will be allowed for a maximum of 10 weeks Out Patient Department Treatment (OPD) Benefit For fracture cases OPD treatment upto INR 2000 allowed for employees only If employee dies in hospital, no deductions for non consumables Covered On death of employee, dependents will remain covered upto the end Covered of the policy period Lasik Surgery for Eye Sight Correction Treatment Lasik surgery to be covered if refractive index is beyond +5.5 Cyber knife Treatment Covered, 50% Co-Pay for cyber knife treatment/stem Cell Transplantation. Cochlear Implant Cochlear Implant treatment covered upto 50% of the Sum Insured Treatment for Genetic Disorder Covered
9 STANDARD HOSPITALIZATION Particulars Room and Nursing Doctors fees Intensive Care Unit Surgical fees, operating theatre, anesthesia and oxygen and their administration Drugs and medicines consumed at the hospital Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests) Radiotherapy and Chemotherapy Coverage (as per policy terms) (as per policy terms) # All other charges payable in proportionate basis as per eligible room rent limit, if admitted in higher room than eligible limit. Common Disallowed Charges 1. Registration Fees/Admission Fees 2. Non Medical Expenses / Miscellaneous Charges. 3. Telephone charges 4. Cafeteria charges etc. 5. Dietician Charges.
10 COVERAGE TYPE Family Floater Under the family floater, the insurance cover will be available to all members of the family unit. The sum insured is available for utilization by any member of the family with or without any sub limit inter se. It is however subject to the overall family sum insured for all members put together. Applicable Sum Insured Family Floater Employee Dependents (Dependent's coverage subject to them being enrolled in the policy within the given timelines) Floater Sum Insured (INR) as per Grade 1,00,000 /2,00,000 /3,00,000/ 5,00,000 Eg: Sum insured for all the employees & their dependants will be on family floater basis. i.e. If an employee having family sum insured of Rs /-, the sum insured can be utilized for hospitalization expenses of any of the enrolled family member, maximum upto Rs. 300,000/-. 10
11 ENROLLED MEMBERS 1+5 Family Definition Per Family Includes- Self + Spouse + 2 Dependant Children (max age of 25 years) + 2 Parents OR 2 Parents-In-Law (only for female employees) under family floater sum insured. Insured Member Coverage Maximum Entry Age Employee Yes No Limit Spouse Yes No Limit Children Yes (up to 2 Child are covered) 25 years Parents (Father & Mother) Yes 90 years Note: i) No Individual should be covered as dependent of more than one employee. ii) Dependent's coverage subject to them being enrolled in the policy within the given timelines iii) New born baby and newly married spouse addition data to be forwarded to HR department with in 15 days from the event of happening. 11
12 COVERAGES Pre- existing Diseases Pre-existing diseases refers to condition or ailments that may have been contracted before the start of the policy. There is usually a waiting period of 4 years for covering such ailments under individual Mediclaim policy. Covered for all enrolled members from Day 1 30 Day Waiting Period for new joiners 1 st /2 nd /3 rd /4 th Year Waiting Period Any hospitalization expenses during the first 30 days from the commencement date of the Policy is not covered for the new joiners. This exclusion is however, not applicable to any emergency hospitalization occurring due to an accident.. Medical insurance policies have waiting period of 1/2/3/4 years for reimbursement of medical expenses for treatment of certain specified ailments. The specified ailments mainly include Cataract, Benign Prostatic Hypertrophy, Hysterectomy or prolapsed of uterus, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis, Joint Replacement due to Degenerative condition, Age related osteoarthritis and Osteoporosis, among others. Not Applicable Not Applicable Day Care Procedures Day care procedures refers to such treatment which does not necessarily require 24 hospitalization due to medical technological advancement. Such list of ailments are available with insurance companies and are referred to as Day care ailments. Covered 12
13 COVERAGES Pre- Hospitalisation Expenses If the Insured member is diagnosed with an Illness which results in his / her Hospitalization and the claim is admissible, the Insurer will also reimburse the Insured Member s Pre-hospitalization Expenses. Covered for 30 days prior to date of admission Post- Hospitalisation Expenses Relevant expenses for 60 days post discharge from hospital for an admissible hospitalization claim will be reimbursed in the policy. These expenses include medicines prescribed at the time of discharge, follow up treatment consultation charges..etc. Covered for 60 days post the date of discharge Emergency Ambulance charges Ambulance charges are covered for shifting any Insured Person to Hospital for admission in Emergency Ward or ICU, or from one Hospital to another Hospital for better medical facilities. Upto Rs. 2500/- or actual whichever is lower 13
14 COVERAGES Maternity Expenses Any Maternity or pregnancy related hospitalization expense other than those excluded (like voluntary termination of pregnancy in the first 12 weeks of delivery) will be payable. The maternity benefit is applicable for Normal / Cesarean delivery within the overall Sum Insured for the first two live births. There is no waiting period for availing Maternity Benefit under Prime Focus GMC Policy. Normal Delivery - Rs.30,000 in case of Single Delivery and Rs.45,000 in case of Twins. Caesarean Delivery - Rs.60,000 in case of Single Delivery and Rs.75,000 in case of Twins Pre & Post Natal Expenses New Born Baby Expenses Expenses incurred due to hospitalization during pre & post natal period of Maternity. On Delivery of a child, the child is prone to many health disorders like jaundice or expenses incurred for incubator for pre-mature births or any other complication to the child. Usually there is a 90 days waiting period for covering baby in the policy. In this benefit Vaccination Expenses & Well Baby Charges are not covered. Covered within Maternity Sublimit incase of In-Patient Hospitalisation Covered from Day 1.
15 EXCLUSIONS OPD Cover This extension provides for expenses which does not necessarily require hospitalization. It is however, not applicable to ailments/treatment which is excluded in the policy. Not Covered Evaluation / Diagnostic Related Hospitalisation Expenses incurred towards hospitalization only for Evaluation / Diagnostic Purpose is not Covered. Not Covered Dental Cover Dental treatment as a result of hospitalization due to an accidental injury is covered in the policy. However, extension for dental treatment in the policy will cover dental expenses for a fixed specified limit defined in the policy which is otherwise an exclusion under the health policy. Not Covered 15
16 GENERAL EXCLUSIONS War invasion, Act of foreign enemy, War like operations, Nuclear weapons, ionizing radiation, contamination by radio activity, by any nuclear fuel or nuclear waste or from the combustion of nuclear fuel. Circumcision, cosmetic or aesthetic treatment, plastic surgery unless required to treat injury or illness. Vaccination & Inoculation. Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlear implants, durable medical equipment. All types of Dental treatments except arising out of an accident. Convalescence, general debility, Run-down condition or rest cure, obesity treatment and its complications, congenital external disease/defects or anomalies, treatment relating to all psychiatric and psychosomatic disorders, infertility, sterility, use of intoxicating drugs/alcohol, use of tobacco leading to cancer. Bodily injury or sickness due to willful or deliberate exposure to danger (except in an attempt to save human life), intentional selfinflicted injury, suicide or attempt threat, or arising out of non-adherence to medical advice. Treatment of any Bodily injury sustained whilst or as a result of active participation in any hazardous sports of any kind. Treatment of any bodily injury sustained whilst or as a result of participating in any criminal act. Sexually transmitted diseases, any condition directly or indirectly caused due to or associated with Human T-Cell Lymph tropic Virus Type III (HTLB-III) or lymphotropathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS. Diagnosis, X-Ray or Laboratory examination not consistent with or incidental to the diagnosis of positive existence and treatment of any ailment, sickness or injury, for which confinement is required at a Hospital/Nursing Home. Vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending physician. Out patient Diagnostic, Medical and Surgical procedures or treatments, non prescribed drugs and medical supplies, Hormone replacement therapy, Sex change or treatment which results from or is in any way related to sex change. 14-Jul-17 16
17 GENERAL EXCLUSIONS Change of treatment from one pathy to other pathy unless being agreed / allowed and recommended by the consultant under whom the treatment is taken. Naturopathy Treatment, unproven procedure / treatment, experimental or alternative medicine / treatment including acupuncture, acupressure, magneto-therapy etc. Instrument used in treatment of Sleep Apnoea Syndrome (C.P.A.P.) and continuous Peritoneal Ambulatory dialysis (C.P.A.D.) and Oxygen Concentrator for Bronchial Asthmatic condition. Genetical disorders and stem cell implantation / surgery. Domiciliary treatment Treatment outside India. Experimental and unproven treatment. All non-medical expenses including convenience items for personal comfort such as telephone, television, Aaya, Private Nursing / Barber or beauty services, diet charges, baby food, cosmetics, tissue paper, diapers, sanitary pads, toiletry items etc. guest services and similar incidental expenses Treatment related to eyes for Age Related Macular Degeneration with administration of Lucentis / Avantis / Macugen / Avastin and other related drug through intravertal injection are not covered. Doctor s home visit charges, Attendant / Nursing charges during pre and post hospitalization period. Voluntary termination of pregnancy during first 12 weeks (MTP) Cost of organ when organ transplantation surgery is undertaken. Massages, Steam bathing, Shirodhara and alike treatment under Ayurvedic treatment. Service charges or any other charges levied by hospital, registration / admission charges. Note: These are only illustrative and not an exhaustive list. 17
18 THANK YOU HEALTH IS NOT VALUED TILL SICKNESS COMES
POLICY DOCUMENT. KELTRON GROUP MEDICLAIM POLICY for PERMANENT EMPLOYEES
POLICY DOCUMENT Annexure I KELTRON GROUP MEDICLAIM POLICY for PERMANENT EMPLOYEES KSEDC Ltd is proposing to implement a new Mediclaim Policy for the employees of the Corporation and their dependants. The
More informationL&T CONSTRUCTION HQ - INSURANCE DEPT =======================================
L&T CONSTRUCTION HQ - INSURANCE DEPT ======================================= GUIDELINES FOR L&T CONSTRUCTION GROUP MEDICLAIM POLICY ==================================================== MEDICLAIM POLICY
More informationECCD HQ - INSURANCE DEPT ==========================
ECCD HQ - INSURANCE DEPT ========================== GUIDELINES FOR ECC GROUP MEDICLAIM POLICY ======================================== MEDICLAIM POLICY TERMS & CONDITIONS. The insurance cover is applicable
More information************************************************* Baroda Health Policy *************************************************
************************************************* Baroda Health Policy ************************************************* 1. Salient Feature Baroda Health policy is a unique Health cum Accident Policy designed
More information************************************************* *************************************************
************************************************* BOI National Swasthya Bima Policy ************************************************* 1. Salient Feature BOI National Swasthya Bima policy is a unique Health
More informationManaging Expectations. Handbook on Employee Insurance
Managing Expectations Handbook on Employee Insurance Employee Insurance Group Health Insurance Group Personal Accident Insurance The Policy covers reimbursement of Hospitalization Expenses for illness
More informationPolicy Number /48/11/41/ Policy Period to
UNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI-600014 HEALTH INSURANCE PROSPECTUS-TECH MAHINDRA Policy Number- 021700/48/11/41/00002762 Policy Period- 30-03-2012
More informationThis is a Family Floater Health Insurance Policy wherein entire family will be covered under single Sum Insured.
Salient Feature This is a Family Floater Health Insurance Policy wherein entire family will be covered under single Sum Insured. The Policy covers reimbursement of Hospitalization expenses for illness/diseases
More informationFAQ ON MEDICAL INSURANCE SCHEME FOR RETIREES
FAQ ON MEDICAL INSURANCE SCHEME FOR RETIREES What is the policy number? Policy No. 500100/48/15/14/00000522 What is the Policy Period? 06/11/2015 to 31/10/2016 Who are covered under this policy? Employee
More informationBenefit Details. National Insurance Company Limited
Benefit Details Objective This insurance scheme is to provide adequate insurance coverage to the Employees and Dependants for expenses related to hospitalization due to illness, disease or accidental injury
More informationInsurance Claim Manual
Insurance Claim Manual The Medical E-card and Reimbursement forms are available under the Medical e-card no tab. The process for filling the re-imbursement forms will be available when medical E-card no
More informationFor Crestech Software System Pvt. Ltd./ Smart Software Testing Solutions India Pvt. Ltd. 11-Aug-16 1
For Crestech Software System Pvt. Ltd./ Smart Software Testing Solutions India Pvt. Ltd. 11-Aug-16 1 Processes Your Health Insurance policy The Group Health Insurance Program provides pre-defined insurance
More informationGROUP MEDICLAIM INSURANCE POLICY
GROUP MEDICLAIM INSURANCE POLICY 1. WHEREAS the Insured designated in the Schedule hereto has by a proposal and declaration as stated in the Schedule which shall be the basis of this contract and is deemed
More informationTHE NEW INDIA ASSURANCE CO. LTD., Regd. & Head Office: 87, M.G. Road, Fort, Mumbai
THE NEW INDIA ASSURANCE CO. LTD., Regd. & Head Office: 87, M.G. Road, Fort, Mumbai 400 001 INFORMATION SHEET FOR EMPLOYEES & CUSTOMERS OF CANARA BANK (Fresh Enrollment) New India Flexi Floater Group Mediclaim
More informationSafeway TPA Services (P) Ltd. A Presentation For IIT, DELHI 27 FEBRUARY 2012
Safeway TPA Services (P) Ltd. A Presentation For IIT, DELHI 27 FEBRUARY 2012 POLICY COVERAGE STANDARD VIDYARTHI MEDICLAIM POLICY POLICY DETAIL_ IIT INSURER : NATIONAL INSURANCE POLICY START DATE : 17 SEP
More informationSALIENT FEATURES OF THE GROUP MEDICLAIM POLICY FOR THE YEAR The Policy shall cover Ex-employees of the company.
ANNEXURE II SALIENT FEATURES OF THE GROUP MEDICLAIM POLICY FOR THE YEAR 2011-12 1. The Policy shall cover Ex-employees of the company. 2. Coverage of the policy for ex-employee is Rs 2 Lakhs p.a. consisting
More informationSalient features / Conditions / Exclusions of the Group Mediclaim Floater Policy in tie up with
Annexure II Salient features / Conditions / Exclusions of the Group Mediclaim Floater Policy in tie up with THE NEW INDIA ASSURANCE CO. LTD, Regd. & Head Office: 87, M.G. Road, Fort, Mumbai 400 001 1.
More informationUNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI FAMILY MEDICARE - PROSPECTUS
UNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI-600014 FAMILY MEDICARE - PROSPECTUS SALIENT FEATURES OF THE POLICY This policy covers all the members of a family
More informationMediclaim FAQs Pfizer Limited / Pfizer Pharmaceutical India Pvt. Ltd. / Pfizer Products India Pvt. Ltd.
Mediclaim FAQs Pfizer Limited / Pfizer Pharmaceutical India Pvt. Ltd. / Pfizer Products India Pvt. Ltd. 1. What is the definition of family for Hospitalization scheme? A. Married employees can cover Self
More informationKARVY Group Mediclaim FAQs
KARVY Group Mediclaim FAQs Q. What is Group Med claim Policy? This is intended to provide medical treatment to the employees. Q. Who are eligible under the scheme? This coverage is for all employees, excludes
More information2. Sum Insured : Retired Officers 4.00 lakhs and retired Clerks/Sub-staff 3.00 lakhs of Hospitalization and Domiciliary Treatment coverage.
Annexure I Medical Scheme for Retired Bank Employees Policy Terms,Conditions And Some Frequently Asked Questions 1. Family Definition : Ex-Employee + Spouse. 2. Sum Insured : Retired Officers 4.00 lakhs
More informationConsolidated Group Mediclaim Policy
Consolidated Group Mediclaim Policy 2015-16 National Insurance Company Limited has been finalized as the service provider to provide Medical Insurance services to the employees of Bharti Airtel & Group
More informationPresentation on Group Mediclaim policy benefits for students of SIDDAGANGA INSTITUTE OF TECHNOLOGY
Presentation on Group Mediclaim policy benefits for students of SIDDAGANGA INSTITUTE OF TECHNOLOGY About Group Mediclaim Group Health Insurance covers hospitalization and medical expenses incurred as an
More informationEmployee Benefits Manual
Employee Benefits Manual Client Maxim India Integrated Circuit Design Pvt Ltd Document No Marsh/TFS/October2013 October 2013 Start Disclaimer: This manual is intended to be general summary of the benefits
More informationGroup Mediclaim Insurance Policy
Group Mediclaim Insurance Policy 2016-17 Document Release Notice This policy on Group Mediclaim Insurance Policy is released for use in Bharti Airtel Limited and its subsidiaries/associate companies with
More informationPolicy Parameters UNITED INDIA INSURANCE COMPANY LIMITED. Insurer TPA. Vipul MedCorp Insurance TPA Pvt. Ltd.
GMC Policy (2017) Policy Parameters Insurer TPA Policy Coverage Family Floater: Sum Insured UNITED INDIA INSURANCE COMPANY LIMITED Vipul MedCorp Insurance TPA Pvt. Ltd. Policy covering Employee (Self)
More informationGROUP MEDICLAIM INSURANCE POLICY FOR THE STAFF OF MODERN SCHOOL
GROUP MEDICLAIM INSURANCE POLICY FOR THE STAFF OF MODERN SCHOOL GENERAL INFORMATION AND BENEFITS OF THE POLICY Following are the main features of the Group Mediclaim Insurance Policy of Modern School.
More informationMEDICLAIM POLICY (2007)
THE NEW INDIA ASSURANCE CO. LTD, Regd. & Head Office: 87, M.G. Road, Fort, Mumbai 400 001 Med.- 04 MEDICLAIM POLICY (2007) WHEREAS THE Insured designated in the Schedule hereto has by a Proposal and declaration,
More informationGroup Mediclaim Policy
futurisk - Simplifying Insurance The information contained in this is not to be used for any other purpose apart from the purpose for which the document has been furnished by futurisk, nor is this document
More informationTHE ORIENTAL INSURANCE COMPANY LIMITED. Regd. Office : Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi PROSPECTUS
THE ORIENTAL INSURANCE COMPANY LIMITED Regd. Office : Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi - 110 002 SALIENT FEATURES OF THE POLICY PROSPECTUS UNIVERSAL HEALTH INSURANCE SCHEME
More informationNFL POST RETIREMENT MEDICAL SCHEME. 1.0 Title of the Scheme : The Scheme shall be called NFL POST RETIREMENT MEDICAL SCHEME (NFL PRMS).
NFL POST RETIREMENT MEDICAL SCHEME 1.0 Title of the Scheme : The Scheme shall be called NFL POST RETIREMENT MEDICAL SCHEME (NFL PRMS). 2.0 Objectives: To extend the medical benefits to the retired employees
More informationVIDYARTHI-Mediclaim for Students
VIDYARTHI-Mediclaim for Students 1. Salient Feature 2.Section I - Hospitalization for illness, diseases or accident 3.Section II & III - Personal Accident to student and guardian of the student 4.Premium
More informationFrequently Asked Questions (FAQs) on Group Health Insurance Scheme - CHIP
Frequently Asked Questions (FAQs) on Group Health Insurance Scheme - CHIP 1. Who is our Insurance Company for Group Health Insurance (GHI)? The New India Assurance Co. Ltd 2. Who is our Third Party Administrator
More informationSPECIAL CONDITIONS ATTACHED TO AND FORMING PART OF INDIAN BANK CO-BRANDED HEALTH INSURANCE POLICY AROGYA RAKSHA (GROUP HEALTH INSURANCE SCHEME)
SPECIAL CONDITIONS ATTACHED TO AND FORMING PART OF INDIAN BANK CO-BRANDED HEALTH INSURANCE POLICY AROGYA RAKSHA (GROUP HEALTH INSURANCE SCHEME) UIN NO.IRDA/NL-HLT/UII/P.H/V.1/386/13-14 As against the Standard
More informationPROSPECTUS UNION HEALTH CARE POLICY. 1.1 The policy covers reimbursement of Hospitalisation expenses for illness/diseases or injury sustained.
The New India Assurance Co. Ltd. (Wholly owned by the Government of India) Bancassurance D.O.No. 131200, New India Centre, 8th Floor, 17/A, Cooperage Road, Mumbai 400 039. Tel. : 2202 1180, 2202 2539,
More informationHealth Insurance Benefit plan Monster.com India Pvt Ltd. Family Health Plan (TPA) Limited. Hyderabad
Health Insurance Benefit plan 2016 2017 Monster.com India Pvt Ltd. Family Health Plan (TPA) Limited Hyderabad Medical Benefit Coverage Details Enrolment in the program Cashless Process Non-Cashless Claims
More informationSafeway TPA Services (P) Ltd. A Presentation For The Student Group Mediclaim Policy IIT - DELHI
Safeway TPA Services (P) Ltd. A Presentation For The Student Group Mediclaim Policy IIT - DELHI Our Vision Our Vision is to be a world-class customer services company through our commitment to strategic
More informationTHE ORIENTAL INSURANCE COMPANY LIMITED, Regd. Office: Oriental House, P.B. No. 7037, A_25/27, Asaf Ali Road, New Delhi PROSPECTUS
THE ORIENTAL INSURANCE COMPANY LIMITED, Regd. Office: Oriental House, P.B. No. 7037, A_25/27, Asaf Ali Road, New Delhi 110002 PROSPECTUS 1. Salient Features of the policy. MEDICLAIM INSURANCE POLICY (GROUP)
More informationHealth Benefit plan EXCERS TECHNOLOGIES PVT LTD Family Health Plan (TPA) Limited. Hyderabad
Health Benefit plan 2017 2018 EXCERS TECHNOLOGIES PVT LTD Family Health Plan (TPA) Limited Hyderabad Hospitalization Insurance Cover Insurer: The Bharti Axa General Ins. Co. Ltd Coverage: 27 January 2017
More informationEmployee, Spouse & Children Group Mediclaim Policy 1 st April st March 2017
Employee, Spouse & Children Group Mediclaim Policy 1 st April 2016 31 st March 2017 Employee Benefits Practice Almondz Insurance Brokers Private Ltd. SUMMARY Page No. What is covered as part of the CIPLA
More informationMedical Policy for the Students of DIT University
Medical Policy for the Students of DIT University To take care of the emergency medical needs requiring hospitalization, the students of DIT University are covered under a Group Insurance Policy of The
More informationTHE NEW INDIA ASSURANCE CO. LTD. REGISTERED & HEAD OFFICE: 87, MAHATMA GANDHI ROAD, MUMBAI
THE NEW INDIA ASSURANCE CO. LTD. REGISTERED & HEAD OFFICE: 87, MAHATMA GANDHI ROAD, MUMBAI 400001 PROSPECTUS We welcome You as Our Customer. This document explains how the NEW INDIA MEDICLAIM could provide
More informationGood Health is a comprehensive healthcare insurance package offered by The New
Good Health is a comprehensive healthcare insurance package offered by The New India Assurance Company Ltd. Good Health packs a variety of medical covers and comes in a wide range of plans to choose from.
More informationCHAPTER I. Standard Definitions of terminology to be used in Health Insurance Policies
CHAPTER I Standard Definitions of terminology to be used in Health Insurance Policies It has become increasingly necessary to ensure that certain basic terminology being used in Health Insurance policies
More informationHEALTH GUARD SILVER PLAN HEALTH GUARD SILVER PLAN CUSTOMER INFORMATION SHEET
G.E. Plaza, Airport Road, Yerawada, Pune - 411006. Reg No.: 113. CIN: U66010PN2000PLC015329 E-mail: customercare@bajajallianz.co.in Website: www.bajajallianz.com Issuing Office : Description is illustrative
More informationDownloaded from - Broker : Loyal Insurance Brokers Ltd.
FORM NO.- MEDI-5(GR.) THE NEW INDIA ASSURANCE CO. LTD. Regd. & Head Off. : New India Assurance Building, 87, Mahatma Gandhi Rd., Fort, Mumbai - 400 001. GROUP MEDICLAIM (HOSPITALISATION AND DOMICILARY
More informationMedical expenses incurred in the event of sudden illness or accident. Covers 30 days prior and 60 days post hospitalization expenses.
************************************************* Parents Health and Medical Insurance NRI Rishtey Policy Wordings ************************************************* Policy Coverage Rishtey Parents' Health
More informationTECHMAHINDRA HEALTH INSURANCE POLICY
TECHMAHINDRA HEALTH INSURANCE POLICY 2014-2015 UNDERWRITING DETAILS Insurer: United India Insurance Company Ltd. Policy No. : 021700/48/13/41/00002774 Policy Period Start Date: From 00.00 hours of March
More informationIRDA STANDARD DEFINITIONS OF TERMINOLOGY USED IN HEALTH INSURANCE POLICIES
IRDA STANDARD DEFINITIONS OF TERMINOLOGY USED IN HEALTH INSURANCE POLICIES 1. Accident An accident is a sudden, unforeseen and involuntary event caused by external and visible means. [Insurance companies
More informationGroup Mediclaim Policy (GMP)
Group Mediclaim Policy (GMP) 2017-2018 We are pleased to inform you that we have renewed our Group Mediclaim Policy for the year 2017-18 We have partnered with Oriental Insurance Company Limited to offer
More informationGroup Mediclaim Insurance Policy
Document Release Notice This policy on is released for use in Tata Communication Limited with effect from 31 st March 2016 and it supersedes any other policy communication in this regard. Table of Contents:
More informationTHE NEW INDIA ASSURANCE CO. LTD. MEDICLAIM 2012 POLICY- PROSPECTUS
THE NEW INDIA ASSURANCE CO. LTD. REGISTERED & HEAD OFFICE: 87, MAHATMA GANDHI ROAD, MUMBAI 400001 MEDICLAIM 2012 POLICY- PROSPECTUS We welcome you as Our Customer. This document explains how the MEDICLAIM
More informationEmployee Benefits (GMC, GPA & GTL) Key Features
Employee Benefits (GMC, GPA & GTL) Key Features November, 2014 GMC Policy - (EMPLOYEE + SPOUSE + DEPENDENT CHILDREN): BENEFITS SYNOPSIS Coverage Type Dependent Coverage Sum Insured Family Floater Sum Insured
More informationStandard Definitions of Terminology used in Health Insurance Policies (IRDA CIRCULAR NO: IRDA/HLT/CIR/036/02/2013 DATED )
Standard Definitions of Terminology used in Health Insurance Policies (IRDA CIRCULAR NO: IRDA/HLT/CIR/036/02/2013 DATED 20-02-2013) 1. Accident An accident is a sudden, unforeseen and involuntary event
More informationIBA Health Insurance Scheme for employees/retirees.
PERSONNEL DEPARTMENT STAFF WELFARE DIVISION : HEAD OFFICE : MANIPAL ---------------------------------------------------------------------------------------------------------------------- Telephone: 0820
More informationFAMILY FLOATER MEDICLAIM POLICY SPECIMEN. 2.0 Following reasonable, customary & necessary expenses are reimbursable under the policy:
F.med.- 03 efo v³et Fefv[³ee SM³eesjvme kebàheveer efueefceìs[ The New India Assurance Company Limited (Yeejle mejkeàej keàe GHe eàce / A Government of India Undertaking) Hebpeerke=Àle SJeb ÒeOeeve keàe³ee&ue³e
More informationHealthProtector Hospital & Surgical Plan
HealthProtector Hospital & Surgical Plan Chubb Life HealthProtector Hospital & Surgical Plan How will you protect your family in the event of an unexpected hospitalization? Chubb Life s HealthProtector
More informationEnsure its complete care.
HEALTH TOTAL Health is wealth. Ensure its complete care. A comprehensive solution to all your healthcare needs. Paradise is where you live your life in perfect peace and harmony. However, in today s world,
More informationUniversal Sompo General Insurance Co. Ltd. Suraksha, Hamesha Aapke Saath Toll free Fax No
K BANK HEALTH CARE PLUS PROSPECTUS Universal Sompo We, at USGI always endeavor to bring the best of Insurance products and services to our esteemed customers. In order to cater to the needs of the customers
More informationAssociate Benefits Manual Cybage Software Private Limited
2016 17 Client Cybage Software Private Limited Program Details Group Medical For Employees Provides insurance coverage to associates for expenses related to hospitalization due to illness, disease or injury.
More informationComprehensive benefit plan including high benefit limits and a worldwide open provider network.
2018 Comprehensive benefit plan including high benefit limits and a worldwide open provider network. Global Freedom Plus is tailored exclusively for individuals and families residing in Latin America and
More information1. Who can take the Policy?
IOB HEALTH CARE PLUS POLICY (REVISION) PROSPECTUS We, at USGI always endeavor to bring the best of Insurance products and services to our esteemed customers. In order to cater to the needs of the customers
More informationDR. REDDY S LABORATORIES LIMITED Group Mediclaim Policy for Employees
DR. REDDY S LABORATORIES LIMITED Group Mediclaim Policy for Employees The Health Insurance policy (Group Mediclaim) which covers workers and employees of Dr. Reddy s Laboratories Ltd and their family members
More informationFAQ s for Health Guard Policy
FAQ s for Health Guard Policy Question: What is different in Health Guard Revised policy? Answer: Revised Health Guard policy is designed to suit all your health care needs. A comprehensive range of benefits,
More informationGROUP MEDICLAIM INSURNACE POLICY FOR THE REGULAR EMPLOYEES OF INDIAN STATISTICAL INSTITUE AND THEIR DEPENDANT FAMILY MEMBERS
GROUP MEDICLAIM INSURNACE POLICY FOR THE REGULAR EMPLOYEES OF INDIAN STATISTICAL INSTITUE AND THEIR DEPENDANT FAMILY MEMBERS 1. NAME OF THE SCHEME : The name of the proposed scheme is Group Mediclaim Insurance
More informationGROUP MEDICLAIM POLICY. Health Insurance. For ENERGY INFRATECH PVT LTD
GROUP MEDICLAIM POLICY Health Insurance For ENERGY INFRATECH PVT LTD 1 About Us Worldwide Insurance Brokers Limited was incorporated in 2005. Direct Insurance Broking license has been granted by Insurance
More informationForeign Workers Medical (Plan A & B)
Foreign Workers Medical (Plan A & B) Policy Wordings Please read this insurance Policy carefully to ensure that you understand the terms and conditions and that this Policy meets your requirements. If
More informationHighest level of coverage with free-choice of hospitals and physicians worldwide, with the richest maternity and organ transplant benefits.
Highest level of coverage with free-choice of hospitals and physicians worldwide, with the richest maternity and organ transplant benefits. Global Superior Plus is tailored exclusively for individuals
More informationUNIVERSAL SOMPO GENERAL INSURANCE COMPANY LIMITED Regd. Office: , Crystal Plaza, Opp. Infinity Mall, Link Road, Andheri (West), Mumbai
INDIVIDUAL HEALTH INSURANCE POLICY This policy is an evidence of the contract between you and Universal Sompo General Insurance Company Limited. The information furnished by you in the proposal form and
More informationTake It Easy Managed Care Programme
Take It Easy Managed Care Programme Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take out the Take It Easy Managed Care Programme. Be sure to also read the general
More informationINDIVIDUAL HEALTH INSURANCE POLICY
INDIVIDUAL HEALTH INSURANCE POLICY This Policy is an evidence of the contract between You and Universal Sompo General Insurance Company Limited. The information furnished by You in the Proposal form and
More information2015 N ARISO OMP C PLANS
2015 BENEFITS Maximum coverage per person Unlimited US$5,000,000 US$2,000,000 per Policy Year Age limit to apply 75 75 75 Waiting Period 30 days 30 days 30 days HOSPITALIZATION BENEFITS Coverage outside
More informationHospital & Surgical Benefit
Hospital & Surgical Benefit Prepare for the Unexpected Chubb Life Hospital & Surgical Benefit Accidents and illnesses are unpredictable and can happen to anyone. That s why Chubb Life s Hospital & Surgical
More informationProspectus. Hospital Daily Cash Insurance. Hospital Daily Cash Insurance- Prospectus Page 1. SBI General Insurance Co Limited (SBI
Prospectus SBI General Insurance Co Limited (SBI This document is only a summary of the features of the Policy. Actual benefits available are as mentioned in the Policy, and are subject to its terms, conditions
More informationUNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI HEALTH INSURANCE PROSPECTUS - PLATINUM
UNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI-600014 SALIENT FEATURES OF THE POLICY HEALTH INSURANCE PROSPECTUS - PLATINUM 1.1 Entry age to the policy is 3 Months-35
More informationHEALTH INSURANCE. MODULE - 4 Practice of General Insurance. Notes 5.0 INTRODUCTION
Health Insurance MODULE - 4 5 HEALTH INSURANCE 5.0 INTRODUCTION With the increasing cost of health services and medical bills which a common man can not afford, this class of insurance has a growing market.
More informationIUKL FOREIGN STUDENT MEDICAL COVERAGE. Standard Policy exclusions HOSPITALISATION BENEFITS - ELIGIBLE MEMBER
HOSPITALISATION BENEFITS - ELIGIBLE MEMBER Due to accident or sickness to the panel hospital. Overall per disability limit is RM20,000 for hospitalisation. POLICY TERM AND CONDITIONS FOR HOSPITAL ADMISSIONS
More informationCOMPARING HEALTH PLANS
COMPARING HEALTH PLANS Oman Insurance Company (P.S.C.) is the local insurer and administrator in the UAE. Plans are designed and internationally administered by Bupa Global. Full details of the benefits,
More informationFull hospitalization and catastrophic conditions coverage with access to top healthcare providers including GBG s security network in the U.S.
Full hospitalization and catastrophic conditions coverage with access to top healthcare providers including GBG s security network in the U.S. Global Inpatient Plus is tailored exclusively for individuals
More informationHealth Guard. Bajaj Allianz. Keeping your family healthy and happy! Revised Health Guard with new features & higher Sum Insured options
Bajaj Allianz Health Guard Keeping your family healthy and happy! Revised Health Guard with new features & higher Sum Insured options Relationship Beyond Insurance CIN: U66010PN2000PLC015329 UIN: IRDAI/HLT/BAGI/P-H/V.II/113/16-17
More informationTHE ORIENTAL INSURANCE CO. LTD.
Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS GENERAL BENEFITS Adult: 18 Years Child: 31 days Adult: Up to
More informationMemorandum of Understanding
Memorandum of Understanding (Forming and Attaching Part of Policy No. 351700/46/12/8500000227 & 351700/46/12/8500000228 W.e.f 01 st November 2012 to 31st October, 2013) This memorandum of understanding
More informationTHE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
More information5.0 Period of coverage : Hrs to Mid-night Hrs.
ANNEXURE-18 18. GROUP MEDICLAIM INSURANCE POLICY FOR RINL/VSP RETIRED EMPLOYEES & THEIR SPOUSES WITH FLOATER AND THEIR MENTALLY & PHYSICALLY CHALLENGED CHILDREN 1.0. Type of Risks & Coverage : Hospitalization,
More informationSignature Health Plan Option: Elite
All benefits are subject to Usual, Customary and Reasonable (UCR) fees. The benefits, coverage and exclusions listed herein are only a summary, and are subject to the specific terms and conditions of the
More informationMost comprehensive benefit plan including rich maternity and preventive care benefits with a worldwide open provider network.
2018 Most comprehensive benefit plan including rich maternity and preventive care benefits with a worldwide open provider network. Global Superior is tailored exclusively for individuals and families residing
More informationPRIVILEGES AND CONDITIONS
PRIVILEGES AND CONDITIONS 1. Benefits We shall pay the benefits as specified in the schedule if a member incurs medical expenses due to illness or injury for primary care, specialist care or hospital care
More informationTHE NEW INDIA ASSURANCE CO. LTD Regd. & Head Office: 87, M.G. Road, Fort, Mumbai NEW INDIA FLEXI GROUP MEDICLAIM POLICY
THE NEW INDIA ASSURANCE CO. LTD Regd. & Head Office: 87, M.G. Road, Fort, Mumbai 400 001 NEW INDIA FLEXI GROUP MEDICLAIM POLICY 1.0 Whereas Insured designated in the Schedule hereto has by a proposal and
More informationTHE NEW INDIA ASSURANCE COMPANY LTD Regd. & Head Office : New India Assurance Bldg., 87, Mahatma Gandhi Road, Fort, BOMBAY
THE NEW INDIA ASSURANCE COMPANY LTD Regd. & Head Office : New India Assurance Bldg., 87, Mahatma Gandhi Road, Fort, BOMBAY-400 001. CANCER MEDICAL EXPENSES INSURANCE POLICY (INDIVIDUALS) 1. INTRODUCTION
More informationShort-Term PPO Plans. Individual and Family Health Care Plans for California
Short-Term PPO Plans Individual and Family Health Care Plans for California Could This Be You? Our Short-Term Plans are Long on Benefits...for You! You can depend on our experience we ve been helping people
More informationNFL POST RETIREMENT MEDICAL SCHEME. 1.0 Title of the Scheme : The Scheme shall be called NFL POST RETIREMENT MEDICAL SCHEME (NFL PRMS).
NFL PRMS 2017-18 NFL POST RETIREMENT MEDICAL SCHEME 1.0 Title of the Scheme : The Scheme shall be called NFL POST RETIREMENT MEDICAL SCHEME (NFL PRMS). 2.0 Objectives: To extend the medical benefits to
More informationBajaj Allianz Total Health Secure Goal
Total Health Secure Goal Total health Secure Goal is a composite insurance plan, created by General Insurance & Life Insurance for the first time. This plan makes sure that a complete health care is made
More informationNo. Date 27 th Sept Dear
No. Date 27 th Sept 2012 Dear It is my immense pleasure to announce that National Seeds Corporation has decided to offer a Group Health Insurance Scheme for the Retiree and spouse who have submitted details
More informationHang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa.
1 Hang Seng Bank strives to provide quality health insurance services to customers and jointly offers a range of medical protection schemes with Bupa. A health insurance specialist in Hong Kong, Bupa is
More informationCIRCULAR. Sub: Group Health Insurance Policy for MTNL Retired Employees, 2008
MTNL/CO/Pers/ REC-GHIS/2008/Pt-I Dated: 29.09.2008 CIRCULAR Sub: Group Health Insurance Policy for MTNL Retired Employees, 2008 This is in continuation of this Office s Order No. MTNL/CO/Pers/8(1-176)/2006/277
More informationSHRAVAK AROGYAM PHASE-II
FREQUENTLY ASKED QUESTIONS 1. About JIO? JIO is a vibrant organization for total unity of Jains, to serve all living beings & bring all round progress. JIO intends to be the global organization of visionaries
More informationTHE ORIENTAL INSURANCE CO. LTD.
GENERAL BENEFITS Entry Age Minimum Entry Age Maximum Cover Type OP Treatment at Hospitals OP Treatment at Clinics Eligibility & Combination DEPENDENT PARENTS Adult: 18 Years Child: 31 days Adult: Up to
More informationGroup Hospital & Surgical Policy ( Policy )
Group Hospital & Surgical Policy ( Policy ) Thank you for insuring with Chubb Insurance Malaysia Berhad (formerly known as ACE Jerneh Insurance Berhad) ( Chubb ). Please note that this handbook is for
More informationReligare Health Insurance Co. Ltd
Presentation on, Religare Group Care Presentation on Group Health Religare Insurance Group Policy Care For ServiceMax Technologies Pvt Ltd Group Health Insurance Policy For HITACHI PAYMENT SERVICES PRIVATE
More informationComprehensive benefit plan including preventive care and with access to GBG s Global Security network in the U.S.
2018 Comprehensive benefit plan including preventive care and with access to GBG s Global Security network in the U.S. Global Expert is tailored exclusively for individuals and families residing in Latin
More information