Managing Expectations. Handbook on Employee Insurance
|
|
- Virgil Stevenson
- 5 years ago
- Views:
Transcription
1 Managing Expectations Handbook on Employee Insurance
2 Employee Insurance Group Health Insurance Group Personal Accident Insurance
3 The Policy covers reimbursement of Hospitalization Expenses for illness / diseases or injury sustained In the event of any claim becoming admissible under this scheme, the Insurance Company will pay to the Insured Person the amount of such expenses as would fall under different heads mentioned below, and as are reasonable and necessarily incurred thereof by or on behalf of such Insured Person, but not exceeding the Sum Insured in any one period of Insurance Room, Boarding Expenses as provided by the Hospital / Nursing Home Nursing Expenses Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & Cost of Organs and similar expense Pre-existing Disease Coverage Maternity from Day One of joining the Insurance Policy but restricted up to a maximum Sum Insured of Rs.25,000/- in case of Normal & Rs.35,000/- in case of C-section for 1 st two children only Pre-natal & Post-natal expenses covered within the scope of Maternity Sum Insured provided the same is taken in a hospital or a nursing home Procedural capping: Infectious Disease (Respiratory Tract Infection and similar diseases, Parasitic Infection, Digestive system infection, UI infection) & various enteric fever capped at Rs.12,000/- per ailment Internal Congenital Disease to be covered under the Scope of Pre-existing Disease Coverage Condition Room Rent capped at 2% of the Sum Insured per day both for Normal & ICU
4 1 st 30 days & 1 st two year exclusions waived off for all. The Insurance Coverage commences from date of notification about the Insured member to the Insurance Company. During the First Year of the Operation of the Insurance Cover for any Insured Person, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Diseases, Fistula in Anus, Piles, Sinusitis and related disorders are not payable, however the same has been waived off by the Insurer in your Policy Any hospitalization induced due to bodily injury sustained due to terrorist activity is generally an exclusion under most Mediclaim Policies. In your case such type of hospitalization is covered Pre-hospitalization (30 days) & Post Hospitalization (60 days) Expenses on Hospitalization for a minimum period of 24 hours are admissible. However, this time limit does not apply to specific treatments like Dialysis, Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery, Lithotripsy (Kidney Stone removal), Tonsillectomy, DNC taken in Hospital / Nursing Home and the Insured is discharged on the same day, the treatment will be considered to be taken under Hospitalization Benefit. Where hospitalization is less than 24 hours, the following guidelines may be adopted: a) The treatment should be such that it necessitates Hospitalization and procedure involved required specialized infrastructure facilities which are available in the Hospital b) Due to technological advancement, Hospitalization period required is less than 24 hours Day Care Surgeries / Procedures are covered Cashless facility through Third Party Administrator (TPA) on all India basis at more than 3000 network hospitals / establishments
5 Exclusions: Group Health Insurance The Insurance Company shall not be liable to make any payment under this Policy in respect of any expenses whatsoever incurred by any Insured person in connection with or in respect of: - Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike Operations (whether war be declared or not) Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident, vaccination or inoculation or change of life or 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 Cost of Spectacles and Contact Lenses, Hearing Aids Any Dental treatment or Surgery which is a Corrective, Cosmetic or Aesthetic procedure, including wear & tear, unless arising from disease or injury and which requires hospitalization for treatment Convalescence, General Debility, Run-down condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self-injury and use of intoxicating drugs / alcohol All Expenses arising out of any condition directly or indirectly caused to or associated with Human T- Cell Lymph tropic Virus Type III (HTD-III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any (HTBB_III) Syndrome or condition of a similar kind commonly referred to as AIDS
6 Exclusions: The Insurance Company shall not be liable to make any payment under this Policy in respect of any expenses whatsoever incurred by any Insured person in connection with or in respect of: - Charges incurred at Hospital or Nursing Home primarily for Diagnostic, X-Ray or Pathological Tests / Examinations not consistent with or incidental to the diagnosis or treatment of the positive existence or presence of any ailment, sickness or injury for which confinement is required at a Hospital / Nursing Home On Vitamins and Tonics unless forming part of treatment for injury or disease as Certified by the attending Physician Injury or Disease directly or indirectly caused or contributed to by Nuclear Weapons / Materials Treatment directly or indirectly related to management of Infertility / IVF / GIFT (Gamete Intra Fallopian Transfer) etc. Domiciliary Hospitalization & Out Patient s Department
7 Insurance Company issues Policy Health Card Issuance Insurance company sends Data to TPA H.Q. TAT 21 Working Days ID card printed and dispatched along with Guide Book. Patient approaches Network hospital Hospital faxes Pre Authorization to TPA Request received at TPA Pre Auth dept Cashless Procedure TAT 24 hours (Mon-Sat) Authorization faxed to Hospital Medical Dept checks for Treatment costs and Tariff. Claims Dept checks for coverage and eligibility
8 Insured submits Claim to TPA Validation of customer Id Document Completion Verification Claims registered and Sum Insured Balance confirmed Re-imbursement Procedure TAT 21 days After submission of All Documents DV &/or Chq with computation Dispatched Claim Approval Claim checked By Medical Professionals Claim checked by Insurance trained executives.
9 REQUIREMENTS MANDATORY TO PROCESS CLAIM (re-imbursement) MAIN HOSPITALIZATION Intimation of hospitalization to the TPA within 72 hours is COMPULSORY Filled up Claim Form mentioning TPA I.D. No. duly signed Original Discharge Summary must have Date of Admission and Date of Discharge, presenting complaints & their duration, final diagnosis, line of treatment given & advice on discharge. Time of admission & discharge should be mentioned in Discharge Summary Original final hospital bill in a proper bill format along with Original Receipt of payment made by the patient to the hospital. Break up of medicine / pharmacy / drugs / Operation Theatre (OT) drugs charges as mentioned in final bill. Break up of investigation amount along with original reports for the same. X-ray films mandatory in fracture/rta & stone cases. USG / C.T. Scan / M.R.I films mandatory along with reports
10 REQUIREMENTS MANDATORY TO PROCESS CLAIM MAIN HOSPITALIZATION CLAIMS In Road Traffic Accident (RTA) / Fracture cases a certificate from doctor required mentioning circumstances leading to injury / fracture. Was patient under the influence of alcohol / epilepsy / intoxication? Treating Doctor to issue certification to this effect. Was Medico Legal Case (MLC) registered / made? If Yes, certified copy of MLC has to be attached All the bills must be submitted within 15 days from Date of Discharge from the hospital SUBMISSION OF PRE-POST HOSPITALIZATION CLAIMS Submit all the relevant bills related to investigation, consultation and any other medical treatment done relating with the ailment for which admission was taken in the hospital The pre and post hospitalizations bills submitted must relate to period 30 days prior to the main hospitalization and 60 days subsequent to discharge after the MAIN HOSPITALIZATION
11 REQUIREMENTS MANDATORY TO PROCESS CLAIM SUBMISSION OF DEFICIENCY RETRIEVALS Please attach Xerox of Deficiency letter along with the documents required to clear your file. The same has to be submitted within 15 days from the date of deficiency letter Note: Xerox Copy of the documents should be kept with the insured at alla times for the documents submitted to PHS
12 Group Personal Accident Insurance Permanent Partial Disability 1. Loss of toes all 20% 2. Loss of toes great both phalanges 05% 3. Loss of toes other than great, if more than one toe lost each 01% 4. Loss of hearing - both ears 75% 5. Loss of hearing one ear 30% 6. Loss of 4 fingers & thumb of one hand 40% 7. Loss of 4 fingers 35% 8. Loss of thumb both phalanges 25% 9. Loss of thumb one phalanx 10% 10. Loss of index finger 3 phalanges or 2 or 1 phalanx 10% 11. Loss of middle finger 3 phalanges or 2 or 1 phalanx 06% 12. Loss of ring finger 3 phalanges or 2 or 1 phalanx 05% 13. Loss of little finger 3 phalanges or 2 or 1 phalanx 04% 14. Loss of metacarpals 1 or 2 (additional) or 3, 4 or 5 (additional) 03% 15. Any other permanent partial disablement % as assessed by the panel of doctors of Insurance Company
13 Group Personal Accident Insurance Insured submits Claim to Insurer Validation of customer Id Document Completion Verification Papers handed to Investigation Team Re-imbursement Procedure TAT 8 weeks After submission of All Documents Payment released to Insured Claim Approval Claim checked by Panel of Doctors Claim Papers checked by Insurance trained executives.
14 Group Personal Accident Insurance Requirement mandatory for processing of a Claim Accidental Death Claim Certified True Copy of the F.I.R lodged by Police Authorities Post Mortem Report in Original or certified true copy Certified True Copy of Death Certificate issued by the Municipal Authorities Local Newspaper clipping if the accident has been reported or Eye e Witness s version of the accident (this is not mandatory but it s s presence reduces the TAT of the Investigating Agency) Claim form duly filled in, certified Temporary Total Disablement Original Certificate from the treating doctor certifying the circumstances cumstances & extent of the injury & period of bed rest advised Original Fitness Certificate from the same doctor mentioning that t the claimant is fit to resume duty Original Certificate from the Employer acknowledging the leave of absence
15 Group Personal Accident Insurance Death only - 100% of C.S.I (Capital Sum Insured) Loss of two limbs / two eyes or one limb & one eye - 100% of C.S.I Loss of one Limb or one Eye - 50% of C.S.I Permanent Partial Disablement - as % of C.S.I (mentioned in the Policy Document) Permanent Total Disablement (other than those named above) - 100% of C.S.I Temporary Total Disablement - 1% of C.S.I per week or Rs.5,000/- which ever is less for a maximum of 100 weeks Children Education Benefit up to Rs.10,000/- (Max.) per living child (max. 2 children) Carriage of Dead Body - 2% of C.S.I subject to a maximum Rs.5,000/- Exclusion on account of Loss / Damage / Liability due to terrorism activity shall stand waived off Worldwide Coverage on 24X7 basis
Insurance 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 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 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 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 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 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 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 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 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 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 informationPOLICY 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 informationGROUP MEDICLAIM POLICY FEATURES Policy Period : 18 May 2017 to 17 May 2018
FEATURES 2017-18 Policy Period : 18 May 2017 to 17 May 2018 1 THE BASIC CRITERION FOR TRIGGER OF THIS HOSPITALIZATION POLICY ARE : The hospitalization should be for more than 24 hours (in certain cases,
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 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 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 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 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 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 informationM/s. National Insurance Company Limited
M/s. National Insurance Company Limited The Group Mediclaim Insurance Policy (GMI) & Group Personal Accidental Policy for the period commencing from 01st April 2018 to 30th March 2019 has been taken with
More informationKey Product Provisions
Group Hospital & Surgical Insurance Product Summary Student Medical Insurance Product Information This is an expense reimbursement plan that helps to reduce the financial burden on the family in event
More informationMajor Organ Transplants like kidney, Lung, Pancreas or Bone marrow
VARISTHA Mediclaim for Senior Citizens Salient Feature 1. Scope of Cover 2&3. Definitions 4. Exclusions 5. Payment of Claim 6. Cumulative Bonus 7. Cost of Health Check Up 8. Co-payment 9. TPA Services
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 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 informationFlexi Plus - Diamond. UAE, GCC, ME, SEA including Indian Subcontinent. All UAE residents (UAE Nationals & Expatriates having a Valid Residence Visa)
S. No. Benefits Flexi Plus - Platinum Flexi Plus - Diamond Flexi Plus - Gold Flexi Plus - Silver 1 Aggregate Limit Under the terms and conditions of the plan, we will pay necessary, customary and reasonable
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 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 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 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 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 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 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 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 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 informationNational Insurance Company Limited
DETAILS OF THE THIRD PARTY ADMINISTRATOR a) Name of TPA / Insurance Company: b) Toll free phone number: c) Toll free Fax: CIN No. - U10200WB1906GOI001713 IRDA Regn. No. - 58 PLEASE FAX / SCAN PAGE 1 ONLY
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 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 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 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 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 informationMEDICLAIM CARD DOWNLOAD & IMPORTANT INFORMATION ABOUT MEDICLAIM POLICY
MEDICLAIM CARD DOWNLOAD & IMPORTANT INFORMATION ABOUT MEDICLAIM POLICY Our Group Mediclaim Policy has been renewed through The Oriental Insurance Company Limited and TPA is Paramount Health Services (PHS).
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 informationNATIONAL INSURANCE COMPANY LTD. (Subsidiary of General Insurance Corporation of India) Regd. Office: 3, MIDDLETON STREET.
NATIONAL INSURANCE COMPANY LTD. (Subsidiary of General Insurance Corporation of India) Regd. Office: 3, MIDDLETON STREET. CALCUTTA 7000 071 ISSUING OFFICE HOSPITALISATION AND DOMICILIARY HOSPITALISATION
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 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 GROUP PERSONAL ACCIDENT POLICY
UNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE:, WHITES ROAD, CHENNAI-60001 GROUP PERSONAL ACCIDENT POLICY Who can be covered under the policy? Members of a Group, employees of an Organization
More informationSECTION A SECTION 8 SECTION C SECTION D SECTION E SECTION F SECTION G
CLAIM FORM - PART A TO 8E FILLED IN 8Y THE INSURED The issue of this Form is not to be taken as an admission of liability (To be filled in block letters) DETAILS OF PRIMARY INSURED: a) Policy No: b) Sl.
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 informationClaim form for health insurance policies other than travel and personal accident - PART A
M M Claim form for health insurance policies other than travel and personal accident - PART A TO BE FILLED IN BY THE INSURED (TO BE FILLED IN BLOCK LETTERS) The issue of this Form is not to be taken as
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 informationCLAIM FORM FOR HEALTH INSURANCE POLICIES OTHER THAN TRAVEL AND PERSONAL ACCIDENT PART A
SBI General Insurance Company Limited CLAIM FORM FOR HEALTH INSURANCE POLICIES OTHER THAN TRAVEL AND PERSONAL ACCIDENT PART A TO BE FILLED IN BY THE INSURED The issue of this Form is not to be taken as
More informationFor the purposes of this policy, the terms specified below shall have the meaning set forth:
Part II of the Schedule 1. DEFINITIONS For the purposes of this policy, the terms specified below shall have the meaning set forth: Accident means an unexpected, unforeseen and undesirable event, especially
More informationTHE NEW INDIA ASSURANCE COMPANY LIMITED Regd. & Head Office : New India Assurance Building, 87, Mahatma Gandhi Road, Fort, Mumbai
THE NEW INDIA ASSURANCE COMPANY LIMITED Regd. & Head Office : New India Assurance Building, 87, Mahatma Gandhi Road, Fort, Mumbai-400 001. GROUP PERSONAL ACCIDENT INSURANCE POLICY WITH MEDICAL EXPENSES
More informationICICI Lombard Health Care Claim Form - Hospitalisation (Issuance of this form is not to be taken as an admission of liability)
ICICI Lombard Health Care Claim Form - Hospitalisation (Issuance of this form is not to be taken as an admission of liability) ICICI Lombard Health Care Do You Know «Non-submission of original bills and
More informationTHE ORIENTAL INSURANCE COMPANY LIMITED Regd. Office: Oriental House, A-25/27, Asaf Ali Road, New Delhi
THE ORIENTAL INSURANCE COMPANY LIMITED Regd. Office: Oriental House, A-25/27, Asaf Ali Road, New Delhi 110 002. Issuing Office HOSPITALISATION AND DOMICILIARY HOSPITALISATION BENEFIT POLICY CLAIM FORM
More informationACCIDENTAL DEATH AND DISMEMBERMENT & MEDICAL COVERAGE FORM
Named Insured: Policy Number: Effective: Policy Year From: To: Company Name: ACE American Insurance Company Premium: [ ] Included [ ] $ Due When Coverage Begins ACCIDENTAL DEATH AND DISMEMBERMENT & MEDICAL
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 informationEMPLOYEE INSURANCE POLICY. Group Personal Accident Insurance Policy
EMPLOYEE INSURANCE POLICY Group Mediclaim Policy Group Personal Accident Insurance Policy Policy effective 7 th December 12 Objective To support employees in their immediate and long term needs by providing
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 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 informationProduct Information. Co-Insurance
Group Hospital & Surgical Insurance Product Summary Student Medical Insurance PSB Academy Pte Ltd (2019) Product Information This is an expense reimbursement plan that helps to reduce the financial burden
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 HEALTH POLICY GROUP HEALTH POLICY
Royal Sundaram General Insurance Co. Limited Corp. Office : Vishranthi Melaram Towers, No. 2 / 319, Rajiv Gandhi Salai (OMR) Karapakkam, Chennai - 600097. Regd. Office : 21, Patullos Road, Chennai - 600
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 informationTHE ORIENTAL INSURANCE COMPANY LIITED, Regd. Office : Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi
THE ORIENTAL INSURANCE COMPANY LIITED, Regd. Office : Oriental House, P.B. No. 7037, A-25/27, Asaf Ali Road, New Delhi - 110 002 HAPPY FAMILY FLOATER POLICY-PROSPECTUS 1.1 SALIENT FEATURES OF THE POLICY:
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 informationTHE ORIENTAL INSURANCE COMPANY LIMITED PROSPECTUS MEDICLAIM INSURANCE POLICY FOR INDIVIDUAL
THE ORIENTAL INSURANCE COMPANY LIMITED PROSPECTUS MEDICLAIM INSURANCE POLICY FOR INDIVIDUAL 1. SALIENT FEATURES OF THE POLICY Individual Mediclaim policy will be available to any individual between the
More informationClaim Form
SECTION A - DETAILS OF PRIMARY INSURED (The issue of this Form is not to be taken as an admission of liability) PART A TO BE FILLED IN BY THE INSURED a) Policy No. : b) Sl. No/ Certificate No. : c) Company/
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 informationCLAIM FORM. CLAIM FORM PART A TO BE FILLED IN BY THE INSURED The issue of this Form is not to be taken as an admission of liability
CLAIM FORM CLAIM FORM PART A TO BE FILLED IN BY THE INSURED The issue of this Form is not to be taken as an admission of liability SECTION A DETAILS OF PRIMARY INSURED a) Policy No b) Sl. No/ Certificate
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 informationClaim form for health insurance policies other than travel and personal accident - PART A
M M Claim form for health insurance policies other than travel and personal accident - PART A TO BE FILLED IN BY THE INSURED (TO BE FILLED IN BLOCK LETTERS) The issue of this Form is not to be taken as
More informationHealth Financing. Health Insurance (Part 1) Health Financing. Health Financing. Catastrophic Health Expenditure. Catastrophic Health Expenditure
Academy of Hospital Administration, Kolkata Chapter (Part 1) Prof (Col) Dr RN Basu Health Financing Financing is the most crucial determinants of a health system Financing for health is done through varied
More informationHEALTH INSURANCE POLICY - GOLD
HEALTH INSURANCE POLICY - GOLD 1. WHEREAS the insured designated in the Schedule hereto has by a proposal and declaration dated as stated in the Schedule (which shall be the basis of this Contract and
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 informationICICI Lombard Health Care Claim Form - Hospitalisation (Issuance of this form is not to be taken as an admission of liability)
ICICI Lombard Health Care Claim Form - Hospitalisation (Issuance of this form is not to be taken as an admission of liability) Overview Health Claim Form - Hospitalization ICICI Lombard Health Care Part
More informationPARAMOUNT HEALTH SERVICES & INSURANCE TPA PRIVATE LIMITED (IRDA License No. 006) [formerly known as PARAMOUNT HEALTH SERVICES (TPA) PVT.
PARAMOUNT HEALTH SERVICES & INSURANCE TPA PRIVATE LIMITED (IRDA License No. 006) [formerly known as PARAMOUNT HEALTH SERVICES (TPA) PVT.LTD] Plot no.a-442, Road No-28,M.I.D.C Industrial Area, Wagale Estate,
More informatione-tender NOTICE FOR GROUP MEDICLAIM POLICY FOR EMPLOYEES OF INDIAN STATISTICAL INSTITUTE IN KOLKATA
1 e-tender NOTICE FOR GROUP MEDICLAIM POLICY FOR EMPLOYEES OF INDIAN STATISTICAL INSTITUTE IN KOLKATA INDIAN STATISTICAL INSTITUTE 203, BARRACKPORE TRUNK ROAD KOLKATA 700 108 2 INDEX Sl. No. Particulars
More informationINDIVIDUAL PERSONAL ACCIDENT POLICY
UNITED INDIA INSURANCE COMPANY LIMITED REGISTERED & HEAD OFFICE: 24, WHITES ROAD, CHENNAI-600014 UIN NO.IRDA/NL-HLT/UII/P-P/V.1/377/13-14 INDIVIDUAL PERSONAL ACCIDENT POLICY 1. WHEREAS the Insured named
More informationInternational Expat Insurance Package
International Expat Insurance Package Benefit Overview 1 Main Features Comprehensive Medical Plan Medical Expense Benefit up to 3.000.000/$3.750.000 Worldwide excluding USA coverage zone Multilingual Client
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 informationCLAIM FORM. Particulars Claim 1 Claim 2 Claim 3 Claim 4
MDINDIA HEALTHCARE SERVICES (TPA) PVT. LTD. 18/13, WEA, Ground Floor, Ganga Plaza, Pusa Lane, Karol bagh, New Delhi - 110 005 UAN Voice No. 1860-233-4446. UAN Fax No. 1860-233-4447 E-mail ID: delhi@mdindia.com.
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 informationIBA Health Insurance Scheme for employees/retirees.
PERSONNEL DEPARTMENT STAFF WELFARE DIVISION : HEAD OFFICE : MANIPAL ---------------------------------------------------------------------------------------------------------------------- Telephone: 0820
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 information