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PLAN THE UNPLANNED WITH
GROUP MEDISHIELD POLICY
WHY THIS COVER FOR
CORPORATE???
MEASURE OF EMPLOYEE BENEFIT
HAPPY
ENVIRONMENT
MORE
PRODUCTIVITY
NOT ONLY DISEASES BUT MEDICAL
BILLS ALSO KILL
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..
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
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
Premium Rates
SUM INSURED OPTED
AND HIGHEST AGE IN
THE FAMILY WILL
DECIDE THE PREMIUM
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
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
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.
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
GROUP PERSONAL ACCIDENT
POLICY
COVERAGES
Any accidents
Worldwide
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
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
Diseases
Maternity
Accident due to Alcohol
Suicide
Any other incident not termed as
Accident
CHARGED BENEFITS
MEDICAL EXTENSION :
Medical expenses incurred due to
accident only
TERORISM EXTENSION
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
Group health and group personal accident insurance policy presentation

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Group health and group personal accident insurance policy presentation

  • 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
  • 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