Important Download
- Group Mediclaim Policy (Base Policy) 2019
- Family Definition: Self+ Spouse+ 2 children + Parents or Parents-in-Law
- Sum insured: Self, spouse & two children: Floater cover of INR 500,000/-
- Sum Insured: Parents / Parents in laws covered separately for a Floater cover of INR 300,000/-
- Premium for Parents / In-Laws, 3rd and 4th child will be borne by the employee.
- Only 2 dependent Parents / In-Laws can be enrolled. The cross-combination of Parents and In Laws is not allowed in the policy.
- If you are enrolling your Parents / In-Laws for the first time, they cannot be changed or deleted for the next 3 years.
- Room Rent restriction- Allowed up to single standard AC room (In case insured opted the higher category room cost of incremental charges on the entire bill will be borne by employee)
- ICU / ICCU is covered as per actuals
- Maternity Capped at INR 100,000 for Normal as well as C-section for 2 deliveries only
- New born baby- Covered from day 1
- Ambulance charges covered for INR 1000 per claim
- Pre and Post Hospitalization – Covered for 30 & 60 days respectively.
- Mid-term addition of child / spouse will be permitted only in case of new born / newly married spouse subject to intimation within 30 days from the date of birth /marriage.
- Any other mid-term addition will not be permitted.
