This document summarizes the key features of a group medical insurance and group personal accident policy for corporate employees. The medical insurance provides coverage for indoor treatment, day care procedures, domiciliary hospitalization expenses and more. It covers self, spouse, children up to age 23, dependent parents/in-laws and siblings. There is no upper age limit for self and parents. Options are available to waive pre-existing diseases waiting periods and increase room rent coverage. The personal accident policy provides compensation for death, permanent disability or loss of limbs in accidents worldwide. Benefits include education funds, ambulance charges and loss of employment coverage.

1. PLAN THE UNPLANNED WITH

2. GROUP MEDISHIELD POLICY

3. WHY THIS COVER FOR
CORPORATE???
MEASURE OF EMPLOYEE BENEFIT
HAPPY
ENVIRONMENT
MORE
PRODUCTIVITY
NOT ONLY DISEASES BUT MEDICAL
BILLS ALSO KILL

4. WHAT THIS POLICY COVERS
• IN PATIENT TREATMENT
• 121 DAY CARE
SURGERIES
• DOMICILIARY
HOSPITALISATION
HOSPITALISATION
• ROOM RENT
• DOCTOR /SURGEON FEE
• COSULTANT FEE
• NURSING FEE
• THEATER CHARGES
• LAB CHARGES
• Cost of Medicines
• Dialysis Expenses
• Cost of Artificial Limbs
• Chemo and Radio
therapies
EXPENSES
• Pre and Post
hospitalisation
expenses for
• 30 days
Is it all?
No..

5. WHO CAN BE COVERED
Self
Spouse
2 Dependent
Children-up to the
age of 23 yrs
2 Dependent Parents
In-laws in place of parents
Sister until gets married
Brother upto age of 23 years

6. AGE LIMIT
NO UPPER AGE LIMIT FOR
SELF AND PARENTS
23 YEARS FOR DEPENDENT
SON AND DAUGHTER
FREE OF CHARGE
INCLUSION OF SPOUSE ON
MARRIAGE
NEW BORN CAN BE
INCLUDED AFTER 90 DAYS
FREE OF CHARGE

7. Premium Rates
SUM INSURED OPTED
AND HIGHEST AGE IN
THE FAMILY WILL
DECIDE THE PREMIUM

8. OPTIONS THAT COST YOU
WAIVER OF
EXCLUSIONS
• PRE EXISTING DISEASES
• 9 month Waiting Period in Maternity
WAIVER OF
EXCLUSIONS
• DAY ONE COVER FOR BABY
• REMOVAL OF SUB LIMITS
WAIVER OF
EXCLUSIONS
• HIGHER ROOM RENT
• DENTAL AND VISION CORRECTION

9. SUM INSURED
DEPENDS ON THE BUDGET OF CORPORATE
• DEPENDS ON THE GRADE OF EMPLOYEES
• DEPENDS ON THE GROUP SIZE
EITHER INDIVIDUAL BASIS OR
FLOATER BASIS
UNIFORM SUM INSURED OR
GRADED SUM INSURED

10. CORPORATE BUFFER TO TOP UP SUM
INSURED IN CASE OF CRITICAL ILLNESS
WHAT IS
CRITICAL
ILLNESS
• POLICY COVERS 10 CRITICAL ILLNESS ..To name few..
• CANCER,PARALYSIS,END STAGE LIVER DISEASE,MAJOR
BURNS,COMA,HEART BYE PASS SURGERY
HOW
CORPORATE
BUFFER WORKS
• IF THE EXPENSES EXCEED THE SUM INSURED OF
INDIVIDUAL THE BALANCE TO BE MET FROM THE
CORPORATE BUFFER .
YOU CHARGE
FOR THIS?
• YES, BUT VERY NOMINAL. DEPENDING UPON THE AMOUNT
OF BUFFER REQUIRED.

11. WHY PREFER ITGI
CASHLESS AND REIMUBRESMENT
3 HOURSE TAT FOR CASHLESS
CLAIMS
7 BUSINESS DAYS FOR
REIMBURSEMENT
PROCESS TECHNIQUES
MORE THAN 4500 HOSPITALS PAN
INDIA
24X7 CALL CENTER AND ON-LINE
FACILITY TO CHECK CLAIM STATUS
COMMITMENT
RESPONSIVE RESPONSIBLE

12. GROUP PERSONAL ACCIDENT
POLICY

13. COVERAGES
Any accidents
Worldwide

14. For Death -100% of SI
For Loss of eye and limb or loss of two eyes or
two limbs- 100% of SI
Loss of one eye or one limb -50% of SI
Permanent Partial disablement like loss of toes, fingers
etc.-% as per the table on confirmation from Physician
of % of disability.
Temporary Total Disablement-1% of SI-Max
5000/- per week for 104 weeks
Compensation

15. FIXING OF SUM INSURED
No stand alone
Death cover
Total Death Benefit per
person Max-10 times of
Annual income
For covers with Weekly
benefit-Max.3 years of
CTC

16. Diseases
Maternity
Accident due to Alcohol
Suicide
Any other incident not termed as
Accident

17. CHARGED BENEFITS
MEDICAL EXTENSION :
Medical expenses incurred due to
accident only
TERORISM EXTENSION

18. FREE BENEFITS
Carriage of
Dead Body
to home and
funeral
charges
Cost of
clothing
Ambulance
Charges
Education
fund for 2
children-
One time
payment
Loss of
Employment