NATIONAL FERTILIZERS LIMITED (A Government of India Undertaking)
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1 NATIONAL FERTILIZERS LIMITED (A Government of India Undertaking) CORPORATE OFFICE A-11, Sector-24, NOIDA (U.P.) REGISTERED OFFICE SCOPE Complex, Core-III, 7, Institutional Area, Lodhi Road, New Delhi E-TENDER No: NFL/MEDICLAIM / /1 For GROUP MEDICLAIM INSURANCE POLICY FOR EX-EMPLOYEES OF NFL FOR THE FINANCIAL YEAR
2 NOTICE INVITING BID 1. NATIONAL FERTILIZERS LIMITED (NFL) invites quotation of bidders for renewal of Group Medi-claim Policy for Ex- Employees of NFL. The policy is due for renewal w.e.f (Midnight) to (Midnight). Bidders against this Tender must be uploaded by prospective bidders on or before the tender closing date & time. 2. Important Dates: The following is an indicative time-frame for the overall process. NFL reserves the right to vary this time-frame at its absolute and sole discretion and without providing any reasons thereof. However changes to the timeframe will be communicated to the affected Respondents during the process. Particulars Details Tender Number NFL/MEDICLAIM / /1 Tender Title Group Mediclaim Policy for Ex- Employees of NFL for F.Y Date of Publishing of RFP at 16:00 hrs Documents Download End Date & at 11:30 hrs Time Bid submission last date & time at 11:30 hrs Bid opening date & time at 12:00 hrs Place of Opening of Bids NFL s Corporate office at Noida Contact Persons for any clarifications J. Ramesh / Ram Kumar / Submission of Bids Contact Numbers J.Ramesh Extn Ram Kumar Extn NFL reserves the right to change / amend the tender schedule (date and / or time) and shall intimate all the suppliers by / fax / telephonically, of such changes along with notice of revised schedule. However, it shall be the responsibility of the bidder to visit the designated website regularly as per the time schedule to get the details of any such changes, as the same shall be available against this tender on the said website. NFL shall not be responsible if a bidder is not able to participate in any activity related to this tender due to change in tender schedule. 3. Mode of Tendering: National Fertilizers Ltd. (NFL) Noida intends to select a vendor for Group Medi-claim Policy for Ex- Employees of NFL at NFL, Corporate Office, NOIDA as per scope given in the tender document against this tender, in Two part bid system, through e- tendering. In this regard, NFL invites offers from eligible bidders. The NIT will be posted on website: where parties will be able to download the tender documents for participation in the e-tender and submit their bids online. The tender submission, tender closing and opening will be done electronically and online. The proposal should be prepared in English in MS Word / Excel format. Bidder may submit the Bid Formats duly filled, signed and scanned. Other documents could be in PDF format. Tender documents would also be available for downloading at NFL s website and also at Central Public Procurement Portal (CPP)
3 NFL has appointed M/s. Nextenders (I) Pvt. Ltd. as their service provider for carrying out e-tendering. Use of digital signature certificate shall be mandatory for participating in e- tendering process. Bidder shall submit their bid and participate in this tender as per the requirements of the e-tendering system. However, in case of any help / clarification, Bidder may contact any one of the following:- a) M/s. National Fertilizers Limited, Noida. 1) Mr. J. Ramesh DGM (F&A) NFL, Corporate Office, A-11, Sector-24, Noida jramesh@nfl.co.in 2) Mr. Ram Kumar Dy. Manager (F&A) NFL, Corporate Office, A-11, Sector-24, Noida ramkumar@nfl.co.in b) M/s. Nextenders (I) Pvt. Ltd., Mumbai. Name Mr. Sanjay Kumar Mobile sanjay.kumar@nextenders.com Support Team: Phone Nos.: , support.nfl@nextenders.com For Digital certificate: - Name: - Mr. Shailesh Vakil, Phone Mobile: , Fax: To participate in e-tendering of NFL, please refer Bidder s Manual on the homepage on website: for System requirement, Browser configuration, procedures etc. 5. All the vendors participating in the online e-tendering have to abide by the process involved in the entire workflow of the e-tendering. NFL shall not be responsible for any mistake made by the vendor at the time of bid process. In case any vendor submits an invalid bid due to any reason including typing mistake / human error, such invalid bid will be disqualified/ rejected and such vendor shall not be allowed to further participate in the tender and the procurement process shall be completed considering the other valid bids. 6. It is mandatory for the Bidders to use the digital certificate in all their bidding Process. For submitting bid through e-tendering, vendors will have to use a Class II / III Digital Signature Certificate issued by any India CA approved by CCA of India as per IT Act Guidelines as indicated in may be complied in this regard. The said digital certificate should bear the name of the Company / Bidder who is willing to participate in the tender. 7. It is the entire responsibility of the vendors to protect their own login Id and Password and keep their digital certificate safe so that is not misused by any other person. 8. Tender Schedule: The notice of issue of enquiry and detailed schedule for downloading the NIT documents, submission of bids, tender closing, tender opening and subsequent clarification / amendment in schedule etc. shall be published on e-tendering portal. i.e.
4 Tender Schedule is as per clause No 2 above. Note: After expiry of date & time for a particular activity as mentioned above, that particular activity cannot be done unless the schedule for the same is extended / amended. Similarly no activity can be done before start date & time specified for that particular activity unless the schedule for the same is pre-poned / amended. 9. The activity defined for vendors are Download of tender documents, Bid preparation and encryption, Re-encryption of online Bid and Uploading of Bid. 10. This being a Limited Tender, any Bidder-shall be able to download the Tender Documents. However only those Bidders(s) should submit the bids who are meeting the Eligibility Criteria as specified in the NIT (Technical Qualification Criteria etc.). 11. Tender Opening: The tenders will be opened electronically, at NFL s Corporate Office, Noida in the presence of representatives of Bidders who wish to attend the bid opening. However, submission of bids may be done by Bidders from their office or from place of their choice Bids shall be opened electronically in the presence of those Bidders who wish to be present. 12. NFL reserves the right to reject or accept any tender without giving any reason. 13. SYSTEM FAILURES AND REMEDIAL MEASURES THEREOF/COURSE OF ACTION TO BE FOLLOWED NFL shall make all out efforts to rectify the problem(s) leading to system failure during the live tendering. However in case the system could not be restored within the reasonable time period as deemed fit by NFL, the following remedial measures shall be taken under such an eventuality:- 1. Tender is prepared and released but vendors are not able to submit their bids. 2. Bids have been submitted but the same cannot be opened by NFL. The due date of closing / opening shall be extended suitably. The due date of opening shall be extended suitably. The details required in the Annexure & Forms shall also be enclosed. NFL may reject any proposal not containing all the requirements called for in various Annexure & Forms. Prices quoted by the bidder shall be fixed during the currency of Contract and shall not be subject to any variation except for variations in statutory levies i.e., GST which shall be paid / reimbursed on actual basis on production of bills provided the execution is within scheduled time period as specified in the contract. 14. The Tender Enquiry number must appear on all correspondence and documents. While submitting the bids. Tenderer shall ensure the completeness of the information / documents as detailed in the tender document. 15. Any clarifications on procedure, tender specification both technical and commercial can be had from above mentioned address / s during office hours before tender closing date and time either personally or by post at least 7 days prior to closing date of the Tender and on Phone extn 2417, preferably by 9th February Postal delays shall not cause postponement of tender processing date & tenderer in their
5 own interest shall take all steps that are necessary for them to participate in tender well in time. 16. Amendments (if any) issued will be numbered consecutively and shall form part of the tender. Bidders are required to note the amendments before submission of offer. NFL shall not be responsible if any bidder omits to notice any amendments. 17. All information sought by NFL during tender evaluation shall be provided within the time set out in the communication on the subject. Failure of tenderer to comply with requirements of NFL within stipulated time shall entitle NFL to proceed with the tenders on the basis of information available with it. No responsibility for postal delays shall rest on NFL. 18. NFL reserves the right to accept or reject any bid in whole or in part or accept other than lowest bid without assigning any reason thereof. 19. NFL may not consider any bid, which is incomplete or not submitted in accordance with the provisions, set forth in the bid documents as incomplete and may reject the same or waive any deficiencies in any or all the bids. 20. The tenderer must sign all the papers of their bid. All corrections and alterations in the Tender will be signed in full with date by the tenderer. 21. Validity of the bids shall be up to The tenderer shall confirm in the commercial bid that all the payment & other terms & conditions stipulated in the enquiry are acceptable to them. (J. Ramesh) DGM (F&A)
6 NATIONAL FERTILIZERS LIMITED (A Govt. of India Undertaking) COMPANY PROFILE: Corporate Office: A-11, Sector-24, Noida ( U. P.) India National Fertilizers Limited (NFL) is a leading producer and marketeer of nitrogenous fertilizers and industrial products in India. KISAN Urea (46% N) is the flagship brand of the company. The company contributes around 16% of total Urea production in the country. The Company also manufactures and markets Bio-Fertilizers and a wide range of industrial products like Nitric Acid, Ammonium Nitrate. Sodium Nitrite, and Sodium Nitrate. It is a profitable public sector undertaking and operates under the administrative control of Deptt. of Fertilizers in the Ministry of Chemicals & Fertilizers, Govt. of India. The company has a track record of consistent profits and strong financials. NFL was incorporated on 23rd August, The company has five urea manufacturing units. The company s marketing network comprises of Central Marketing Office at Noida, Three Zonal offices at Bhopal, Lucknow & Chandigarh, and 35 Area offices spanning across 16 states and 2 union terirritories. The NFL family includes 3456 employees as on dedicated to the cause of commercial excellence and providing service to the farming community. At present the company has an installed capacity of lakh MT of Urea and has recorded an annual capacity utilization of 118% during the year by producing lakh MT Urea. The company also recorded a sale of lakh MT Urea during the year The brief of company s manufacturing facilities is as below: Location Raw material Product Existing Industrial products Capacity (MTPD) Nangal, (Punjab) Natural Gas Urea 1450 Nitric Acid, Sodium, Nitrate & Nitrite Bathinda, (Punjab) Natural Gas Urea Panipat, (Haryana) Natural Gas Urea Vijaipur, (M.P.) Line-1: NG Line-2:Naphtha/ NG Urea Urea All NFL plants have been certified as ISO-9002 for conforming to international quality standards and International Environmental Standard i.e. ISO With the certification of Corporate Office/Marketing operations under ISO-9001:2000, NFL has become the first Fertilizer Company in the country to have its total business covered under ISO-9001 Certification. NFL has an authorized and paid up capital of Rs.1000 Crore and Crore respectively.
7 Financials at a glance: (Rs. Crore) Particulars Sales Turnover Profit before tax Profit After tax NFL and engineers India Limited (EIL) have undertaken the revival of Ramagundam unit of Fertilizers Corporation of India (FCIL) through joint venture with equity participation of NFL (26%), EIL (26%), FCIL(11%) and other (37%). Joint Venture Company has formed with name of M/s. Ramagundam Fertilizers & Chemical Limited. ****
8 GENERAL TERMS AND CONDITIONS Annexure-I 1. Qualifying Requirements for the Insurance Companies 1.1 The bidder should be registered Indian Insurer in accordance with the Insurance Act, approved by IRDA (Insurance Regulatory Development Authority) as Mediclaim Insurer and should have a license to carry out Mediclaim insurance business in India. 1.2 The Insurance Company shall be in the Mediclaim Insurance business in India at least for five years as on scheduled date of tender opening. 1.3 The Insurance Company should be having Mediclaim insurance participation in minimum two Indian Public Sector Undertaking. and a leader of Mediclaim insurance at least in one Indian Public Sector Undertaking in the last five years. (Documentary evidence to be furnished). 2. Tenderer has to submit declaration along with unpriced techno commercial technical bid (Part-1) stating that they have not been Black-Listed/De-listed or are put to any holiday by any Indian Institutional Agency /Government Department/ Public Sector Undertaking in the last three years and that no broker are involved in the bid submitted by them. 3. It shall be certified by the tenderer that none of the NFL employee is related to Owner/Directors. (In case any relative is working in NFL, furnish details separately). It shall also be certified by the tenderer that none of NFL s Ex-employee is employed with them. (In case any ex-employee of NFL is employed, furnish details separately). It shall be certified by the tenderer that none of blood relation of the Owners/Directors is participating in this tender in the name of other firm. 4. Offers shall be submitted with proper documentary evidence to substantiate fulfillment of the qualifying requirements as specified above. 5. Notwithstanding anything stated above, NFL reserves the right to assess the Mediclaim Insurer's capacity and capability to perform the Mediclaim Insurance business should the circumstances warrant, such an assessment in the overall interest of NFL. If required, the past performance of the insurers may be taken into consideration for evaluation of offers to award & distribute the mediclaim insurance business. 6. NFL reserves the right to award and distribute the Mediclaim Insurance business to one or more Insurers and reserves the right to award & distribute the mediclaim insurance business on co-insurance basis also. 7. Insurance Companies are to quote the premium in the Price Bid format enclosed at Annexure - A. Method of submission of Offer and opening of Tender and other conditions. Bids are to be submitted in two parts electronically on e-tendering website as detailed below:
9 Part-I [Techno Commercial un-priced Bid] This should contain documents establishing the eligibility requirement by the bidder as per General Terms & Conditions as per Annexure I enclosed and un-conditional acceptance of the terms & conditions and un- priced copy of Techno Commercial Bid containing documents listed below:- General Terms & Conditions (Annexure-I). Salient features and coverage of the Group Mediclaim Policy (Annexure-II) Medical Insurance claims settled by the Insurance company during the period to & for the year (up to December'2017) (Annexure-III). Deviation statement. (Annexure IV). Declaration Statement. (Annexure V). Certificate of declaration for confirmation of IRDA guidelines. (Annexure VI) Age profile of Ex- Employees. Annexure VII (a) Age profile of Dependents of Ex- Employees (only spouse). Annexure VII(b) Room Rent entitlement of Ex -employees (Annexure VIII) Integrity Pact (Annexure-IX) Part- II (Price Bid) This should contain price bid for the policy to be submitted by the tenderer electronically on e-tendering website 8. Incomplete offers would be summarily rejected. 8.1 No extension of time shall be permitted for the collection of Tender Documents and/or Tender opening date. 8.2 Any document uploaded by bidder should be duly signed and stamped Offers submitted against tender documents only will be considered and the offer shall be in. the name of the insurer on whose behalf the tender document has been issued 8.4 Any request for clarification received after the stipulated time will not be considered. NFL will issue clarification in writing only if deemed fit. 8.5 While submitting the bid, tenderers are requested to ensure that bids are in compliance to the regulations applicable under various statutes. Any fine, penalty or expenses due to breach arising thereon will be borne by the tenderer, NFL will bear no financial implication on this account. 8.6 NFL takes no responsibility for delays, loss or non-receipt of tender documents or any letters sent by post/courier either way and also reserve the right to reject any offer in part or full without assigning any reasons thereof. 8.7 NFL shall always be at liberty to reject or accept any offer or offers or part thereof at its sole discretion. The submission of offer shall have no cause of action or claim against NFL for rejection of offer. The Insurer, whose offer is not accepted shall not be entitled to claim any costs, charges and expenses incidental to or incurred in connection with submission of offer or its consideration by NFL, even though NFL may opt to modify/withdraw the Invitation to Tender or does not accept the offer or cancel the tender as a whole.
10 9. The salient features of policy are as per Annexure II enclosed. The duration of Insurance Policies is from to The Policy shall cover Ex-employees of the company and coverage for ex-employee (self and spouse) is given below:- Category Post held at the time of leaving Insurance Cover (Rs.) Service of NFL A All Workmen (W0 to W12) 4 Lakhs B Executives (E-0 to E-5) 6 Lakhs C Executives (E-6 to E-9) 8 Lakhs D Functional Directors/C&MD 10 Lakhs 10. The policy shall cover hospitalization as indoor patient only excluding domiciliary treatment. 11. The policy shall not cover OPD treatment. 12. No age bar in the membership under mediclaim. No bar on enrolment/ renewal of membership of Ex- employees. 13. The policy shall cover ex-employees. The number of ex-employees, their dependents (spouse only) along with their age profile is given at enclosed annexure VII (a) & (b). The number of ex employees may increase or decrease at the time of finalization of policy. 14. The employees are to be provided with room / bed in any hospital/nursing home by considering the room rent entitlement given in the statement enclosed at Annexure VIII. 15. Cash less treatment will be given to ex-employees. In case ex-employees obtain treatment from nonnetwork hospital during emergency the claim shall be admitted in full. The said claim shall be submitted to the underwriters directly by the ex-employee within 30 days of discharge from the hospital. Such claim will be settled within 15 days of submission and payment will be made directly to the ex-employee. 16. The Premium to include cost of services offered by Third Party Administrator (TPA) system. 17. During the currency of the policy no revision in premium shall be considered by NFL on the basis of actual claim ratio or any enhancement in the premium pointed out by any statutory or other authority. 18. Premium shall be paid on quarterly basis before the beginning of each quarter. 19. The insurance company will have no right to reject mediclaim membership of a retiring employee and his / her spouse who have filled up the relevant mediclaim form. 20. Once assigned the mediclaim policy for the FY , the insurance company shall have no right to unilaterally terminate the operation of the policy in between during the FY The Ex-employees shall consist of Ex- employees earlier covered in the existing policy & other Ex- employees who were not earlier covered under the previous policy / policies and intend to join the Group Mediclaim Policy.
11 22. Bid Evaluation Process 22.1 The price bid must be furnished only as per Annexure-A. The bid should be unconditional. Conditional bids would be summarily rejected The evaluation of bids shall be done on L-1 basis on total premium quoted for all category of employees and the policy shall be taken from the bidder who stands L-1. The quoted price shall be checked to determine the arithmetical corrections for the same. In case of any discrepancy between total quoted value and total amount calculated, the quoted value shall be prevailed and individual item rates shall be adjusted on percentage basis NFL retains the right to negotiate with all or any of the bidders The bidders are invariably required to fill up column 3 to 5 & 7 of the price bid NFL retains the right to place the Mediclaim insurance under co-insurance arrangement in. the manner as it deems fit 22.6 Should there be a tie in the quotations received from different insurance companies, NFL retains the right to choose the lead Mediclaim Insurer as it deems fit The acceptance of tender will rest with NFL and reserves full right to reject any or all tenders without assigning any reason whatsoever The tenderers are not entitled to any compensation for the expenses incurred in connection with the preparation and submission of tenders Currency for price bids and payment shall be in Indian Rupees only. 23 Action against the Tenderer Furnishing incorrect information in the offer, failure to act according to tender conditions, non-fulfillment of any or whole of the contract may entail delisting of Insurer in addition to taking other appropriate action against the Insurer. 24 Disputes 24.1 Arbitration Clause for Private Companies. Except where otherwise provided in the contract all matters, questions, disputes or differences whatsoever, which shall at any time arise between the parties hereto, touching the construction, meaning, operation or effect of the contract, or out of the matters relating to the contract or breach thereof, or the respective rights or liabilities of the parties, whether during or after completion of works or whether before or after termination shall after written notice by either party to the contract be referred to Functional Director/Chairman & Managing Director, National Fertilizers Limited for appointment of Arbitrator. The Arbitration proceedings shall be governed by the Arbitration & Conciliation Act, 1996, The Arbitration & Conciliation (Amendment Act 2015) or any further statutory modification or re-enactment thereof and the rules made there under.
12 If the arbitrator to whom matter is referred, vacates his/her office by any reason whatsoever then the next arbitrator so appointed by the authority referred above may start the proceedings from where his predecessor left or at any such stage he may deem fit. It is agreed by and between the parties that in case a reference is made to the Arbitrator or the Arbitral Tribunal for the purpose of resolving the disputes/differences arising out of the contract by and between the parties hereto, the Arbitrator or the Arbitral Tribunal shall not award interest on the awarded amount more than the rate SBI PLR/Base Rate applicable to NFL on the date of award of contract Arbitration for Government Companies:- In the event of any dispute or difference relating to the interpretation and application of the provisions of the contracts, such dispute or difference shall be referred by either party for Arbitration to the sole Arbitrator in the Department of Public Enterprises to be nominated by the Secretary to the Government of India in-charge of the Department of Public Enterprises. The Arbitration and Conciliation Act, 1996 shall not be applicable to arbitration under this clause. The award of the Arbitrator shall be binding upon the parties to the dispute, provided, however, any party aggrieved by such award may make a further reference for setting aside or revision of the award to the Law Secretary, Department of Legal Affairs, Ministry of Law & Justice, Government of India. Upon such reference the dispute shall be decided by the Law Secretary or the Special Secretary/Additional Secretary, when so authorized by the Law Secretary, whose decision shall bind the Parties finally and conclusively. The Parties to the dispute will share equally the cost of arbitration as intimated by the Arbitrator 25 General 25.1 Each page of the bid shall be signed by representative legally authorized to enter into commitment on behalf of the bidder. Tenders received without signatures shall be summarily rejected Insurer/Bidder/Tenderer shall mean the company who submits the tender and enters into contract with NFL and shall include their executors, administrators, and successors and permitted assignees It may be noted that no advisor / broker is involved in the tender Summary of claims experienced for the period to & for the year (up to 31st Dec 2017) is given at Annexure III for the information of the Insurance Companies Bidder(s) shall be required to execute and submit, along-with Technical bid, integrity pact as per Annexure-IX of Part-I. 24. MSMED Declaration: In case you are registered as MICRO, SMALL or MEDIUM Enterprise under The Micro, Small & Medium Enterprise Development Act, 2006 (MSMED Act) promulgated by Government of India vide Notification dated 16/06/2006, please indicate the relevant category in your Offer and also enclose a copy of the valid certificate issued by the concerned authorities. 26. If a tenderer resorts to any frivolous, malicious or baseless complaints / allegations with intent to hamper or delay the tendering process or resorts to canvassing / rigging/influencing the tendering process, NFL reserves the right to debar such tenderer from participation in the present / future tenders up to a period of 2 years
13 ANNEXURE II SALIENT FEATURES OF THE GROUP MEDICLAIM POLICY FOR THE YEAR The Policy shall cover Ex-employees of the company. The family floater per family unit consisting self and spouse only shall be available for a sum insured taking family as one unit, the details of which are given below:- Category Post held at the time of leaving Insurance Cover (Rs.) Service of NFL A All Workmen (W0 to W12) 4 Lakhs B Executives (E-0 to E-5) 6 Lakhs C Executives (E-6 to E-9) 8 Lakhs D Functional Directors/C&MD 10 Lakhs 2. The Policy will cover hospitalization as indoor patient only excluding domiciliary treatment. 3. The policy shall not cover OPD treatment. 4. Cash less treatment will be given to ex-employees. In case ex-employees obtain treatment from non-network hospital during emergency the claim shall be admitted in full. The said claim will be settled in 15 days of submission and payment will be made directly to the exemployee. 5. AMOUNT PAYABLE FOR ADMISSIBLE CLAIMS: In the event of any claim becoming admissible under this policy, the Insurance Co. will pay the amount of such expenses as would fall under different heads mentioned below, and are reasonably and necessarily incurred thereof by or on behalf of such insured person. a) Room Boarding expenses as provided by the Hospital / Nursing home. b) Nursing Expenses. c) Surgeon, anaesthetist, Medical Practitioner, consultants, specialist fees. d) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medical, Drugs, Diagnostic Material and X ray, Dialysis, Chemotherapy, Radiotherapy, Cost of pacemaker Artificial Lambs & Cost of Organs and similar expenses. 6. The pre and post hospitalization reimbursement shall be for 30 and 60 days respectively. 7. Midterm inclusion:- Employees retiring during the FY shall be covered in this policy. In the event of death of an employee while in service, spouse of the deceased employee shall also be covered in this policy as midterm inclusion. Premium in r/o these inclusions shall be paid on pro-rata basis from the date of coverage. The intimation for midterm inclusion in r/o retired employee or his / her spouse shall be given within one month from the date of retirement/demise of the employee. 9. Mediclaim policy shall include all pre-existing diseases of ex-employees and their spouses.
14 10. MEMBERSHIP CARD: The Insurance company/ TPA will mail the physical cards within one month from the date of issue of policy directly to the member at the address mentioned in the application form submitted. Till the time members receive the physical membership cards, treatment can be taken by them based on the e- cards uploaded by TPA/Insurance Company on the relevant website for convenience of members. 11. All NFL hospitals at units / plants shall also be taken on the network of the Insurance Company. 12. Insurance Co. shall provide a statement of employee wise mediclaim settled in respect of ex-employee at the end of each month in soft copy with a copy to GM (HR) Corporate Office Noida. 13. ENTITLEMENT OF ROOM RENT: The employees are to be provided with room / bed in any hospital/nursing home by considering the room rent entitlement given in the statement enclosed at Annexure VIII 14. Premium shall be paid on quarterly basis before the beginning of each quarter. 15 During the currency of the policy no revision in premium shall be considered by NFL on the basis of actual claim ratio or any enhancement in the premium pointed out by any statutory or other authority. 16 HOSPITALIZATION PERIOD: Expenses on Hospitalization will be admissible only if hospitalization is for a minimum period of 24 hours. However, A) This time limit will not apply to following specific treatments taken in the Network Hospital / Nursing Home where the Insured is discharged on the same day. Such treatment will be considered to be taken under Hospitalization Benefit. Haemo Dialysis Parentral Chemotherapy Radiotherapy Eye Surgery Lithotripsy (kidney stone removal) Tonsillectomy D&C Dental surgery following an accident Hysterectomy Coronary Angioplasty Coronary Angiography Surgery of Gall bladder, Pancreas and bile duct Surgery of Hernia Surgery of Hydrocele Surgery of Prostrate Gastrointestinal Surgery
15 Genital Surgery Surgery of Nose Surgery of throat Surgery of Appendix Surgery of Urinary System Treatment of Fractures / dislocation excluding hair line fracture, contracture releases and minor reconstructive procedures of limbs which otherwise require hospitalization Arthroscopic Knee surgery Any surgery under General Anesthesia Or any such disease / procedure agreed by TPA / Company before treatment B) Further if the treatment / procedure / surgeries of above diseases are carried out, in Networked specialized Day Care Centre which is fully equipped with advanced technology and specialized infrastructure where the insured is discharged on the same day, the requirement of minimum beds will be overlooked provided following conditions are met. i. The operation theatre is fully equipped for the surgical operation required in respect of sickness / ailment / injury covered under the policy. ii. Day Care nursing staff is fully qualified. iii. The doctor performing the surgery or procedure as well as post operative attending doctors are also fully qualified for the specific surgery / procedure. C) The condition of minimum 24 hours hospitalization will also not apply provided. i. The treatment is such that it necessitates hospitalization and the procedure involves specialized infrastructural facilities available only in hospitals. BUT ii. Due to technological advances hospitalization is required for less than 24 hours. AND/OR iii. Surgical procedure involved has to be done under General Anaesthesia. Exclusions: i. Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not) or by nuclear weapons / materials. ii. iii. iv. Circumcision (unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to any accident), vaccination, inoculation or change of cosmetic or of aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness. Surgery for correction of eye sight cost of spectacles, contact lenses, hearing aids etc. Any dental treatment or surgery which is corrective, cosmetic or of aesthetic procedure, filling of cavity, root canal including wear and tear etc unless arising from disease or injury and which requires hospitalization for treatment. v. Convalescence, general debility, run down condition or rest cure, congenital external diseases or defects or anomalies, sterility, any fertility, sub-fertility or assisted
16 conception procedure, venereal diseases, intentional self injury / suicide, all psychiatric and psychosomatic disorders and diseases / accident due to and or use, misuse or abuse of drugs / alcohol or use of intoxicating substances or such abuse or addiction etc. vi. vii. viii. ix. All expenses arising out of any condition directly or indirectly caused by, or associated with Human T-cell Lymphotropic virus Type III (HTLD III) or Lymohadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any Syndrome or condition of similar kind commonly referred to as AIDS, HIV and its complications including sexually transmitted diseases. Expenses incurred at Hospital or Nursing Home primarily for evaluation / diagnostic purposes which is not followed by active treatment for the ailment during the hospitalized period. Expenses on vitamins and tonics etc unless forming part of treatment for injury or disease as certified by the attending physician. Naturopathy treatment, unproven procedure or treatment, experimental or alternative medicine and related treatment including acupressure, acupuncture, magnetic and such other therapies etc. x. Expenses incurred for investigation or treatment irrelevant to the diseases diagnosed during hospitalization or primary reasons for admission. Private nursing charges, Referral fee to family doctors, out station consultants / surgeons fees etc. xi. xii. xiii. xiv. xv. xvi. xvii. Genetically disorders and stem cell implantation / surgery. External and or durable medical / non medical equipment of any kind used for diagnosis and or treatment including CPAP, CAPD, infusion pump etc. Ambulatory devices i.e. walker, crutches, belts, collars, caps, splints, slings, braces, stockings etc of any kind, diabetic foot wear, glucometer/ thermometer and similar related items etc and also any medical equipment which is subsequently used at home etc. All non medical expenses including personal comfort and convenience items or services such as telephone, television, Aya / barber or beauty services, diet chare, baby food, cosmetic, napkins, toiletry items, etc. guest services and similar incidental expenses or service etc. Change of treatment from one pathy to other pathy unless being agreed / allowed an recommended by the consultant under whom the treatment is taken. Treatment of obesity or condition arising there from (including morbid obesity) and any other weight control programme, services or supplies etc. Any treatment required arising from Insured s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing etc. unless specifically agreed by the Insurance Company. Any treatment received in convalescent home, convalescent hospital, health hydro, nature care clinic or similar establishments.
17 xviii. xix. xx. xxi. xxii. xxiii. Any stay in the hospital for any domestic reason or where no active regular treatment is given by the specialist. Outpatient diagnostic, Medical or Surgical procedures or treatments, non-prescribed drugs and medical supplies, Hormone replacement therapy, Sex change or treatment which result from or is in any way related to sex change. Massages, steams bathing, shirodhara and alike treatment under ayurvedic treatment. Any kind of service charges, surcharges, admission fees / registration charges etc. levied by the hospital Doctor s home visit charges, attendant / nursing charges during pre and post hospitalization period. Treatment which is continued before hospitalization and continued even after discharge for an ailment / disease / injury different from the one for which hospitalization was necessary. 17 HOSPITAL / NURSING HOME: means any institution in India established for indoor care and treatment of sickness and injuries and which either a) Is duly licensed and registered as a Hospital or Nursing Home with the appropriate authorities and is under the supervision of a registered and qualified medical Practitioner. OR b) In areas where licensing and registration facilities with appropriate authorities are not available, the institution must be one recognized in locality as Hospital / Nursing Home and should comply with minimum criteria as under: i. It should have at least 15 in - patient medical beds in case of Metro cities, X Class cities & Y class cities or 10 in-patient medical beds in case of Z class cities. Classification of cities shall be as per Govt. of India Notification issued in this respect from time to time. ii. Fully equipped and engaged in providing Medical and Surgical facilities along with Diagnostic facilities i.e. Pathological test and X-ray, ECG etc. for the care and treatment of injured or sick persons as in - patient. iii. Fully equipped operation theatre of its own, wherever surgical operations are carried out. iv. Fully qualified nursing staff under its employment round the clock. v. Fully qualified Doctor (s) should be physical in-charge round the clock.
18 NATIONAL FERTILIZERS LIMITED CORPORATE OFFICE NOIDA Annexure.-III Details of Indoor Medical claims settled in r/o Ex- Employees by Insurance Company during the FY to & (up to Dec 2017). Financial Year Category of employee Sum Insured Claim Settled No. Amount Of (Rs in cases Lakhs) All categories 2.00 Lakh All categories 2.00 Lakh All categories 2.00 Lakh (up to 31 st Dec 17) Category A C&MD / Directors Category B Executives (E-6 to E-9) 6.00 Lakh 5.00 Lakh Category C Executives (E-0 to E-5) 4.00 Lakh Category-D Non Executives (W0 to W12) 3.00 Lakh Note: 1. i) Total 3360 members were covered during F.Y ii) Room rent entitlement was as under: S.No. Post Held at the time of leaving the Service of NFL GRADE Maximum Room Rent Entitlement Per Day (Rs 1 Functional Directors &CMD A E-7 to E-9 B W-11, W-12,and E-1 to E-6 C W-10 and E0 D W0 to W9 E 1470 Note: 2. i) Total 3641 members were covered during F.Y ii) Room rent entitlement was as under: S.No. Post Held at the time of leaving the Service of NFL GRADE Maximum Room Rent Entitlement Per Day (Rs 1 CMD/ Directors A Executives (E-6 to E-9) B Executives (E-0 to E-5) C Non- Executives (W0 to W12) D 4500
19 NATIONAL FERTILIZERS LIMITED CORPORATE OFFICE NOIDA ANNEXURE-IV DEVIATION STATEMENT (Please strike off the clause that is not applicable and tick the other) 1. THIS IS TO DECLARE THAT WE DO NOT HAVE ANY DEVIATIONS FROM THE STIPULATIONS OF YOUR TENDER AND ACCORDINGLY ACCEPT ALL THE STIPULATIONS WITHOUT ANY RESERVATIONS WHATSOEVER. OR 2. WE HAVE NOTICED THE FOLLOWING CONTRADICTION/ DISCREPANIES IN/ BETWEEN THE TENDER STIPULATIONS. (Signature of the Tenderer)
20 NATIONAL FERTILIZERS LIMITED CORPORATE OFFICE NOIDA ANNEXURE V DECLARATION SHEET I, hereby certify that all the information and data furnished by me with regard to this tender specification are true and complete to the best of my knowledge. I have gone through the specification, conditions and stipulations in detail and agree to comply with the requirements and intent of specification. I further certify that no broker is involved in the bid submitted by us. I, further certify that I am the duly authorized representative of the under mentioned tenderer. I, further certify that my company meets all the conditions of eligibility criteria laid down to take part in the tender. I, further certify that my company is in the mediclaim insurance business in India at least for 5 years as on schedule date of tender opening. I, further certify that none of the NFL employee is related to Owner/Director, none of NFL s Exemployee is employed with us and none of blood relation of the Owners/Directors is participating in this tender in the name of other firm (clause No.1.5 of Annexure-I). I, further specifically certify that my company is having Mediclaim insurance participation in minimum two Indian Public Sector Undertaking and a leader of Mediclaim insurance at least in one Indian Public Sector Undertaking in the last five years. (Clause 1.3 of Annexure I). I, further specifically certify that my company has not been Black Listed / De Listed or put to any Holiday by any Institutional Agency / Govt. Department / Public Sector Undertaking in the last three years. (Clause 1.4) of Annexure I). (Signature of the Tenderer)
21 NATIONAL FERTILIZERS LIMITED CORPORATE OFFICE NOIDA ANNEXURE - VI CERTIFICATE OF DECLARATION FOR CONFIRMATION OF IRDA GUIDELINES I, hereby certify that our offer no..dated..against tender specification No.. does not amount to any breach of IRDA guidelines. I further confirm that in the event of disclosure at a later stage that the same are not in line with IRDA Guidelines & NFL is put to any disadvantage or face cancellation of the Policy or any claim becomes substandard/untenable, the whole liabilities arising out of this shall lie squarely on us. I, further certify that I am the duly authorized representative of the Insurer and competent to agree as above. (Signature of the Tenderer)
22 Annexure- VII(a) AGE PROFILE OF EX-EMPLOYEES AS ON Cate gory AGE (Years) Less Than 50 Yrs Yrs Yrs Yrs Yrs Yrs Above 75 Yrs Total (Nos) A All Workmen (W0 to W12) B Executives (E-0 to E-5) C Executives (E-6 to E-9) D Functional Directors /C&MD Total
23 Annexure- VII(b) Category AGE PROFILE OF SPOUSE OF EX- EMPLOYEES AS ON Age (Years) Less Above Total Than 75 Yrs Yrs Yrs Yrs Yrs (Nos) 50 Yrs Yrs A All Workmen (W0 to W12) B Executives (E-0 to E-5) C Executives (E-6 to E-9) D Functional Directors /C&MD Total
24 Annexure VIII ROOM RENT ENTITLEMENT OF EX-EMPLOYEES / DEPENDENTS AS ON Category Post Held at the time of leaving the Service of NFL Room Rent Entitlement Per Day (Rs) (1) (2) (3) A All Workmen (W0 to W12) Semi Private / Twin sharing B Executives (E-0 to E-5) Single Private C Executives (E-6 to E-9) Single Deluxe D Functional Directors /C&MD Actual / Super Deluxe
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