For Crestech Software System Pvt. Ltd./ Smart Software Testing Solutions India Pvt. Ltd. 11-Aug-16 1

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1 For Crestech Software System Pvt. Ltd./ Smart Software Testing Solutions India Pvt. Ltd. 11-Aug-16 1

2 Processes Your Health Insurance policy The Group Health Insurance Program provides pre-defined insurance coverage to all employees their dependents for expenses related to hospitalization due to illness, disease or injury. In the event of a hospitalization claim (more than 24 hrs.), the insurance company will pay the insured person the amount of such expenses as would fall under different heads mentioned below, and as are reasonably and necessarily incurred thereof by or on behalf of such insured person, but not exceeding the sum insured in aggregate mentioned in the policy: Room Charges, Nursing expenses, Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialists Fees, Anesthesia, Blood, Oxygen, Operation Theatre Charges Surgical Appliances, Medicines Drugs, similar expenses. Insurer United India Insurance Co. Ltd. TPA Med Save TPA Consultant Vantage Insurance Brokers Risk Advisors Pvt. Ltd. Family Floater Cover on Grade Basis Policy period: 1 st Aug st July 2017

3 Processes Your Health policy benefits POLICY DETAILS DESCRIPTION Policy Start End Date 1 st Aug 2016 to 31 st July 2017 Sum Insured Family Floater Self + Spouse + 2 Dep. Children + 2 Parents Covered Members Employee Spouse Covered (Upto age of 60 yrs.) Children Covered till 25 yrs. Parents Covered (upto the age of 80 years) Pre-existing Diseases 30 days waiting period for non - accidental claims Covered Waived Off

4 Processes Your Health policy benefits POLICY DETAILS DESCRIPTION Maternity Maternity Limit (Normal Caesarean) Covered for the first 2 living children INR 35,000 for normal INR 50,000 for C-section Pre Post natal covered Not Applicable New Born Baby Cover from Day 1 Covered under Family Floater Pre Post Hospitalization Expenses Room Rent Ambulance Covered (30 days 60 days respectively) 2% of SI for normal room 3% of SI for ICU All other charges in accordance with room rent only INR 1,000/- Per Incidence in case of emergency Day Care Procedures Treatments which do not require 24 hours of hospitalization are covered.

5 Processes Your Health policy benefits 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. It is however subject to the overall family sum insured for all members put together. Applicable Employee Sum Insured Family Floater Dependents (Dependent's coverage subject to them being enrolled in the policy within the given timelines) Employee + Spouse + 2 Children + Parents Illustration: The sum insured of employees is INR 500,000/-. An employee and his spouse met with an accident and are hospitalized. The hospitalization expenses incurred for the employee is INR 50,000 and for the spouse is INR 30,000. The entire sum insured will be applicable to the entire family without any sublimit to any member in case of family floater. Hence, employee can use INR 50,000/- and spouse can use INR 30,000/-. In case of any future hospitalization of any covered members of the family, the remaining sum insured i.e., INR 4,20,000/- will be available for utilization.

6 Processes Coverages Parameter Coverage Detail Total No. of people Insured 6 members (Self + Spouse + 2 Dep. Children + 2 Dep. Parents) Employee Yes Spouse Yes Children Yes (the first two live births are covered) Either Parents or Parents-in-law Yes Others (viz.grand Parents, Aunt, Uncle, Nephew, Niece, etc.) No

7 Processes Enroll your dependents Enrollment of your Dependents for New Joinee s: Give the HR your dependent details within 15 days of joining to ensure adequate coverage within the policy Provide required details of your dependents to the HR. Vantage sends the data to the insurer for endorsements Insurer updates their data, endorses member and sends the detail to the TPA TPA updates the active member database and prints the cards Vantage will share the e card links with you along with process. E card received by employee Notify HR/Vantage with revised details Error in data printed on card Employee verifies details on the E card E Card Ok Uses card for cashless hospitalization Mid term enrollment of your Dependents ( spouse / New born or adoption of a child): Give the HR the following details - Name, date of birth, gender within the timelines as below. New Joinee s must be declared within 15 days of the joining. New spouse must be declared within 15 days of the marriage. New-born child has to be declared immediately within 15 days after the child-birth. If you do not enroll within the defined timelines, the next enrollment can be done only at next renewal.

8 Processes Your Health policy benefits 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. Covered for all enrolled members from day 1 30 Day Waiting Period for new joiners: 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. Waived off 1st/2nd/3rd/4th Year Waiting Period: 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. Waived off

9 Processes Your Health policy benefits The expenses incurred in relation to the condition of hospitalization, generally 30 days prior to the date of hospitalization as well as 60 days post the discharge are reimbursed under the Pre Post Hospitalization Clause. Pre Hospitalization 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 Hospitalization Expenses: Relevant expenses for 60 days post discharge from hospital for an admissible hospitalization claim will be reimbursed in the policy. Pre-post documents should be submitted within 7 days from completion of treatment or after completion of 60 days, whichever is earlier Covered for 60 days post the date of discharge

10 Processes Your Health policy benefits The maximum benefit allowable is INR 35,000/- for both normal delivery and INR 50,000 for cesarean within the overall Sum Insured for the first two live births. There are special conditions applicable to the Maternity Expenses Benefits as below: Claim in respect of delivery for only first two live births and/or operations associated therewith will be considered. Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the date of conception are not covered. Maternity Expenses: Any Maternity or pregnancy related 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. Covered as per limits specified above 9 Month Waiting Period: There is usually a 9 month waiting period for new joiners to claim Maternity Benefits under Group Health Policy. Waived off. Maternity benefit available to all employees from day 1..

11 Processes Your Health policy benefits Day Care Treatment: 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. Day Care treatment can be taken in network hospitals only on a cashless basis. Covered for only enclosed cases. Baby Cover: 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. Vaccination charges are not payable. Covered from Day 1 Vaccination charges are not payable.

12 Your Health policy benefits Room Rent Capping: Room rent is capped to a certain limit in the policy. Employees/dependents choosing to go for higher room category than what is specified in the policy will need to bear the incremental room rent amount. This would also apply to related expenses such as nursing charges, doctor s fees, etc. which is associated with the room category. This limit may differ for ICU. 2% of SI Normal Room And 3% of SI For ICU

13 Processes Exclusions 1. Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operation or disease directly or indirectly caused by or contributed to by nuclear weapons/materials. 2. Circumcision unless necessary for treatment of the disease, cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness. 3. Surgery for correction of eyesight, cost of spectacles, contact lenses, hearing aids. 4. Dental Treatment or surgery of any kind unless requiring hospitalization on account of Accident Cases. 5. Convalescence, general debility run-down' condition or test cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury, all psychiatric and psychosomatic diseases/disorders, accident due to misuse of drugs/alcohol or use of intoxicating substance. 6. Acquired Immune Deficiency Syndrome (AIDS). 7. Naturopathy, unproven procedure/treatment, experimental or alternative medicine/treatment including acupuncture, acupressure, magneto therapy etc. 8. Out patient diagnostic/medical/surgical procedures/treatments, non-prescribed drugs/medical supplies/hormone replacement therapy, sex change or any treatment related to this. 9. Any kind of service charges/surcharges, admission fees/registration charges etc. levied by the hospital. 10. Doctor s home visit charges/attendant, nursing charges during pre and post hospitalization period except in case of domiciliary hospitalization.

14 Processes Exclusions 11. Expenses on irrelevant investigations/treatment; private nursing charges, referral fee to family physician, outstation doctor/surgeon/consultant s fees etc. 12. Genetic disorders/stem cell implantation/surgery. 13. External/durable medical/non medical equipment's of any kind used for diagnosis/treatment including CPAD, CAPD, infusion pump etc., ambulatory devices like walker/ crutches/ belts/ collars/ caps/ splints/ slings/ braces/ stockings/ diabetic foot wear/ glucometer/ thermometer similar related items any medical equipment which could be used at home subsequently. 14. Non medical expenses including personal comfort/ convenient items/ services such as telephone/ television/ barber/ beauty services/ diet charges/ baby food/ cosmetics/ napkins/ toiletries/ guest services etc. 15. Treatment for obesity or condition arising there from (including morbid obesity) and any other weight control program services/supplies. 16. Injury arising from any hazardous activity including scuba diving, motor racing parachuting, hand gliding, rock or mountain climbing etc. 17. Treatment received in convalescent home/hospital, health hydro/nature care clinic and similar establishments. Payment: All medical/surgical treatments under this policy shall have to be taken in India and admissible claims thereof shall be payable in Indian currency. Note: The above list is an illustrative list of exclusions and not an exhaustive list of all exclusions.

15 Claims Processes Cashless Facility at network hospitals Two ways to Claim? Reimbursement You can simply rely on us to ease your hospitalization worries!

16 Claim Processes Claims - Cashless Facility You and the covered dependents are entitled for a CASHLESS facility to get treatment at the hospital empanelled in the TPA Network without having to pay the money* (subject to TPA approvals) Before Admission Check for the nearest network hospital for availing the Cashless hospital. Pre-authorization form is mandatory to be sent to TPA by network hospital If possible, inform your HR Vantage associate about the incident. During Admission Inform Vantage immediately seek pre-authorization. Vantage will coordinate with TPA and will arrange pre-authorization letter for the minimum amount to the hospital. In case of denial, the same will be communicated to the hospital with proper reason. During Discharge The final bill will be sent by Hospital to TPA. Once it send, please inform Vantage. TPA will send final approval letter to hospital then you/your dependents can proceed with discharge by paying for Non Medical Expenses. Updated Hospital list TPA CONTACT VANTAGE ASSOCIATE Call Center Toll: Help Line Ms. Manjusha Dhuper Manjusha.dhuper@vantageindia.c o.in

17 Claim Processes Claims - Cashless Facility Identify network hospital Intimate TPA / Vantage of the planned hospitalization 24 hours prior to hospitalization Provide during Claim intimation: I. Corporate Name, II. Policy No. III. Mediclaim ID no: IV. Employee code: V. Name of employee VI. Name of patient VII. Date of Admission VIII. Name of hospital IX. Approximately Via /in person/web portal or letter or any other suitable mode. Hospital send preauthorization form to TPA. Claim registered No Follow non cashless process Yes TPA issues letter of Approval within 24 hours for planned hospitalization to the hospital Pre-Authorization Completed Member produces ID card at the network hospital and gets admitted Member gets discharged after paying for all non-entitled expenses like the deductions based on the policy terms, the cost of non payable items etc. to the hospital. Note- please send intimation mails on following ids. It should be informed within 24 hours of admission or 12 hours before discharge from the hospital, whichever is earlier manjusha.dhuper@vantageindia.co.in

18 Claim Processes Claims - Reimbursement Facility Member intimates TPA/Vantage before or as soon as hospitalization occurs (within 24 hours of admission) Insured admitted as per hospital norms. All payments made by member Documents must be submitted to the Vantage associate within 15 days * from discharge No Claim Closed/ Rejected with reasons communicated Yes Sends mail about deficiency and document requirement for re-submission No Documentation complete as required Yes TPA checks document sufficiency Yes TPA performs medical scrutiny of the documents for admissibility of the claim No Claims processing done within 21 working days Vantage will inform about the payment to employees * Note: If deficiency is not submitted within the given timelines, the same will be considered as closed.

19 Claim Processes Claims - Documents Reimbursement Facility Claim form duly filled and signed by the claimant Original Discharge Summary Hospital bills in original (with bill no; signed and stamped by the hospital) with all charges itemized and the original receipts Attending doctors bills and receipts (if separate from hospital bill) and certificate regarding diagnosis. Original reports of Bills and Receipts for Medicines, Investigations along with Doctors prescription in Original and Laboratory All original payment receipts must be taken from the hospital including invoices for implants and stickers in case of lenses Follow-up advice or letter for line of treatment after discharge from hospital, from Doctor. Break up details of Pharmacy items, Materials, Investigations even though it is there in the main bill In case the hospital is not registered, please get a letter on the Hospital letterhead mentioning the number of beds and availability of doctors and nurses round the clock. In non-network hospitalization, please get the hospital and doctor s registration number in Hospital letterhead and get the same signed and stamped by the hospital. Claim documents need to be submitted within 15 days from the date of discharge. In case of pre post hospitalization claim documents need to be submitted within 7 days from the date of completion of 60 days or treatment whichever is earlier. Note: there may be additional documents other than the above mentioned list, required by the TPA, based on specific treatments.

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21 Claim Processes FAQ s Section I - Policy Terms Conditions 1. What is Medical Insurance? Medical Insurance is a purely hospitalization policy which provides coverage to you as an employee and also covers your family (spouse, children and parents) towards treatment in case of a medical emergency, as per policy terms and conditions 2. What is 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. It is however subject to the overall family sum insured for all members put together. In this policy. 3. Is the 24 hours rule applicable for all ailments? Yes, the 24 hours hospitalization is a must. However, this time limit is not applied to specific treatments which do not necessarily require 24 hours due to technological advancement in treatment. Some of these treatments include Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Tonsillectomy etc. taken in the Hospital/Nursing Home. 4. Are there any special criteria for seeking admission/ treatment in the hospitals/ nursing homes? It is generally recommended that you choose a Hospital on the Third Party Administrator (TPA) Network. However, you do have the right to choose any other hospital also, subject to the Hospital meeting the following criteria as mentioned below: It should have at least 15 inpatient beds; and fully qualified doctor(s) and nursing staff should be in charge round the clock. Should be registered with the relevant governmental and regulatory authorities. The registration number should be printed on discharge summary and / or receipt of the Hospital. Further, it necessarily should not be blacklisted with the TPA.

22 Claim Processes FAQ s Section I - Policy Terms Conditions 5. Will my stay be covered under Mediclaim, if I have been admitted under doctors instructions but there has been no proper line of treatment? No. Hospitalization not accompanied with active line of treatment is not covered under Mediclaim Insurance. 6. What are pre-existing diseases? Are they covered in the policy? Pre-existing diseases refers to condition or ailments that may have been contracted before the start of the policy. The policy covers pre-existing diseases. 7. Does pre-existing disease cover mean that all diseases and medical procedures are covered? Pre-existing disease benefit helps the member get a complete coverage for all medical emergencies, including ailments that may have been there before the start of this policy. However, it does not cover congenital external disease / illness / defect. 8. What if the cost exceeds the sum insured? In such a situation you will be liable to pay the incremental amount, over and above the Sum Insured limit, as per policy terms and conditions. The TPA will inform the hospital about your balance Sum Insured and the hospital will recover the amount over and above the balance sum insured, from you.

23 Claim Processes FAQ s Section I - Policy Terms Conditions 9. Is there any limit for reimbursement of expenses incurred in a laboratory or a diagnostic center as part of hospitalization? No. If the expenses form part of the hospitalization process and if the amount is approved and payable as per the terms and conditions of the policy, then they are reimbursable up to the sum insured amount. 10. What expenditures will generally be covered under the Pre Hospitalization Clause? Medical expenses incurred for Laboratory Test, Pathological Test and such similar overheads are usually incurred prior to hospitalization and will be covered under the pre hospitalization clause. Pre Hospitalization expenses are payable only if it is followed by at least 24 hrs. hospitalization within 30 days of expense and there should be an active line of treatment given based on the investigation. 11. What expenditures will generally be covered under the Post Hospitalization Clause? Medical expenses incurred for the treatment subsequent to release from hospitalization and other such similar overheads will be covered under the post hospitalization clause. Post Hospitalization expenses are covered up to 60 days from the date of discharge. 12. What is the Room Rent Limit per day? Room Rent associated charges thereof are restricted to 1.5% of your Sum Insured. In the event a member chooses to avail a Hospital room of higher class than eligible as per the cap applicable, all incremental expense on hospitalization resulting out of choosing a higher class of room will be deducted proportionately from claim payable.

24 Claim Processes FAQ s Section I - Policy Terms Conditions 12. Are naturopathy and Ayurvedic expenses covered? Naturopathy and Ayurvedic expenses are not covered under the policy, irrespective of whether they were incurred in a network hospital, Govt. Hospital or otherwise. 13. Is Dental Treatment covered? Dental treatment or surgery is covered only in case of accidental injuries and not otherwise. 14. Are all pregnancy related expenses covered? Voluntary medical termination of pregnancy is not covered under Mediclaim. Only cases of abortions where mother s life is under threat and doctor has advised an abortion during first 12 weeks from the date of conception is covered in the mediclaim policy. 15. What about pre and post hospitalization expenses, with respect to delivery? Pre and Post Natal expenses are not covered in the policy. 16. Is infertility covered? No, Infertility or related treatment is not covered under the Policy. 17. Are congenital diseases covered under the Policy? Congenital Diseases means the abnormalities of structure or function which are present at birth. They may or may not be inherited are not covered.

25 Claim Processes FAQ s Section II Member Enrolment 1. How do you define dependency and in whose case is it applicable? Dependency means a person is financially dependent on the primary insured i.e. they are not engaged in any kind of profession of earning their livelihood or are gainfully employed. They should be dependent on the Employee. 2. Is dependency relevant in case of Spouse also? No, dependency for spouse is not relevant under the policy. 3. What happens if my family status changes during the policy? If the family status changes (by reason of marriage or birth), the employee needs to enroll the details of the new dependent within 15 days from date of marriage or date of birth, as applicable. 4. Will location of dependent family members matter? No. Further, as the policy provides the coverage for treatment taken within India, employee and dependent family member can avail benefit as per policy terms and conditions, at any approved/registered hospital in India. 5. What happens if me and my spouse are working in the same organization? An individual can be covered in the policy only once. In such a case, you are advised not to declare each other under the definition of family, and may cover your children, if any, only once under any of the two families. For any further inquiry on the policy, please contact Vantage

26 Claim Processes FAQ s Section II Member Enrolment 6. Is the baby covered from Day 1? 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. Please note that for such complications, the baby will be covered from DAY 1 in the overall family floater Sum Insured not just the maternity Sum-limit. (Vaccination charges, are not payable. Pediatric charges observation charges are not payable if there is no active line of treatment). If you face any difficulty in enrolment of your spouse or children you may write to (manjusha.dhuper@vantageindia.co.in) 7. Will the policy cover my third child in case of twins? No. third child is not covered. 8. Within how many days will I get my Mediclaim (medical insurance) Card? Mediclaim cards will be available within 21 days after your details received from HR. For any further inquiry on the policy, please contact Vantage

27 Claim Processes FAQ s Section III - E Cards Related 1. Do I need to carry my Mediclaim e-card when I go to the hospital? Ideally, you should always carry a print of the e card with yourself, when getting admitted to the hospital from the available list of network hospital with the TPA. But, in the event that you do not have the cashless card, you should get in touch with Vantage representative who will provide the required assistance. It is advisable to carry a valid photo id proof (Employee ID Card, Driving license, Election card or any card which is approved by Govt. of India), irrespective of whether you are carrying the cashless card or not. 2. What if you have not got your e-card yet? Are you covered? What do you need to do to get cashless treatment? The claim would be settled without the cards, provided the claimant is declared in the policy within specified timelines. You would be entitled to cashless treatment but in such case, you are requested to get in touch with Vantage Local SPOC, before or at the time of hospitalization. 3. My e-card does not have your photograph, then how can the hospital identify you? Hospital will cross check all the details using Medicard number with TPA Network. However, Hospital will also ask for photo identity proof (Employee ID Card, Driving license, Election card or any card which is approved by Government of India) as a part of general verification. 4. The information on my e-card is incorrect. What should I do now? Please write to (manjusha.dhuper@vantageindia.co.in). Vantage will connect with you or HR and get necessary corrections done in the insurance database and issue a new e-card for you. 5. Post my marriage, my surname has been changed, however, my e-card has my maiden name written on it. How do I get the name changed on my e card? Please write to (manjusha.dhuper@vantageindia.co.in). Vantage will check with HR and get necessary corrections done in the insurance database and issue a new e-card for you.

28 Claim Processes FAQ s Section IV - Claims 1. Can I file more than one claim in a year? You can claim as many times you are hospitalized during the period of Insurance but the insurance company's liability in respect of all claims put together shall not exceed the Sum Insured. 2. What if I undergo major hospitalization in 2 different hospitals? Will the policy reimburse expenses incurred? Yes. The expenses are reimbursed up to the limit of sum insured and if they satisfy the terms and conditions of the policy and proper documents required for both the hospitalization (Discharge Summary from both the hospitals is must) 3. What is meant by a Networked / Empanelled Hospital? The hospitals which have a tie up with the TPA servicing the health policy is called a network / empanelled hospital.

29 Claim Processes FAQ s Section IV - Claims 5. Do I need to get treatment at a network hospital only? You can get treated in any registered hospital, which meets the criteria set out within the country by IRDA but the cashless facility will be available only at the network hospitals. Expenses incurred in non network hospitals will reimbursed to you, after following the applicable reimbursement process. 6. What if we get admitted in a hospital outside the Network List? If you get admitted in a hospital outside the network List, you will not get the cashless facility. You can always file the claim under reimbursement mode. 7. What is cashless request form? The cashless request form is a document which has to be duly filled up, signed and stamped by the treating doctor. Thereafter the hospital will fax it to TPA on the number given on the Cashless Request Claim form ( Pre-Auth. Request Letter). 8. How to fill the cashless request form? Part I: To be filled in by the insured/patient Part II: To be filled in by the treating doctor/hospital. Information required is: the ID no. as mentioned on e- card, signs and symptoms of the present aliment, duration of the aliment, diagnosis, pre-existing conditions if any, proposed line of treatment, approximate date of admission/discharge, approximate duration of stay and approximate cost of hospitalization, estimated expenditure, etc. 9. How do I know whether my Claim has been admitted for Cashless Reimbursement or not? Authorization Letter or Denial Letter shall be faxed directly to the Hospital and the Hospital will intimate you about the same. You can also do the necessary follow up with the TPA/ Vantage to check the status.

30 Claim Processes FAQ s Section IV - Claims 10. What is an Authorization Letter? Authorization Letter is the communication authorizing extension of cashless hospitalization to the Insured. The same is issued by The TPA subject to admissibility of the claim and availability of balance sum insured for the member. 11. Is it possible to have cashless approval for Pre and Post Hospitalization? Cashless will not be possible for Pre Post Hospitalization claims. Reimbursement of same expenses is possible on submission of complete bills documents relating to the claim within specified timeline. 12. Are there any restrictions on the number of claims I can file for Maternity Expense? Maternity Benefit can be claimed for the delivery of first two living children. Therefore, in case of delivery of third living child the Maternity expenses are not payable. 13. Is there a time limit within which I am expected to submit the pre and post hospitalization bills? Yes, you are advised to submit bills with respect to Pre Hospitalization, within 15 days of discharge from hospital. Post Hospitalization bills must be submitted within 7 days of completion of the treatment or completion of 60 days post discharge, whichever is earlier. 14. What is the document submission timeline in case of reimbursement claims? After completion of treatment, the patient has been discharged from the hospital, you must submit the final claim within 15 days from the date of discharge from the hospital. 15. Will I get my claim papers back? No, you will not get the claim papers back after settlement of the claim. You are expected advised to keep a photocopy of the same for your future reference, before submitting the papers. However Rejected claim documents will be available on request.

31 THANK YOU PRIMARY CONTACT ESCALATION Ms. Manjusha Dhuper Mr. Arvind Kumar For any assistance Vantage is at your Service!