This document outlines the details of an employee group health insurance scheme, including:
1) Coverage amounts for natural death, accidental death, and permanent disability ranging from Rs. 15 lacs to Rs. 100 lacs depending on the employee's role.
2) Eligibility requirements, premium payment structure, claim settlement process, and exclusions from coverage such as pre-existing conditions or HIV/AIDS.
3) Benefit limits for in-patient hospital expenses including room rent, ICU costs, and other treatment, with higher limits for more senior employees.
Group health insurance policy from ICICI LOMBARDRavi Kumar
Presentation about GROUP HEALTH INSURANCE Policy offered by ICICI Lombard. This policy is offered to even small organizations with employee strength of as low as 10 people. Policy can be availed to the employees plus their family (which includes their spouse and kids).
Complete health insurance policy (individual) from icici lombardRavi Kumar
This presentation explains about the various features and benefits of availing Individual health insurance policy (for self and family) from ICICI Lombard.
Star Comprehensive Insurance Policy. No cap on room rent and treatment cost. Covers medical expenses incurred on Bariatric surgical procedures and its complications. Air ambulance assistance, Second medical opinion are covered. Cost of health check up for every block of 3 claim free years. Cover for maternity
Group health insurance policy from ICICI LOMBARDRavi Kumar
Presentation about GROUP HEALTH INSURANCE Policy offered by ICICI Lombard. This policy is offered to even small organizations with employee strength of as low as 10 people. Policy can be availed to the employees plus their family (which includes their spouse and kids).
Complete health insurance policy (individual) from icici lombardRavi Kumar
This presentation explains about the various features and benefits of availing Individual health insurance policy (for self and family) from ICICI Lombard.
Star Comprehensive Insurance Policy. No cap on room rent and treatment cost. Covers medical expenses incurred on Bariatric surgical procedures and its complications. Air ambulance assistance, Second medical opinion are covered. Cost of health check up for every block of 3 claim free years. Cover for maternity
California Workers Compensation Presumption for COVID-19 (SB1159)JasonSchupp1
Legislation before the Governor of California would restructure the state’s approach to making workers compensation benefits available to employees who have been diagnosed with COVID-19.
In early May of this year, the Governor of California issued a sweeping Emergency Order creating a rebuttable presumption that COVID-19 positive employees working outside of the home between March 19 and July 5 contracted the virus at work. At the time, California’s Workers Compensation Insurance Rating Bureau estimated the order would cost employers and their insurers $1.2 billion in medical care, disability payments and death benefits.
On August 31, the California legislature passed an extension and restructuring of the presumption of compensability which now awaits the Governor’s signature. The legislation would:
• Codify the presumption established by the emergency order for the period March 19 to July 5.
• Extend the presumption of compensability for first responders and certain health care workers through 2022.
• Limit the presumption of compensability for other employees working outside of the home to apply only if there has been an outbreak of COVID-19 at the workplace.
Under the presumption rules for workplace outbreaks, an employer must report to its insurance company (or claims administrator if self-insured) once the employer becomes aware an employee has tested positive for COVID-19. The insurer will keep track of these reports to determine whether 4 or more employees at a specific workplace (or 4% of the workforce at the site, if greater) have tested positive over a rolling 14-day period. If that threshold has been met, the presumption of compensability arises with respect to employees testing positive for COVID-19 during the period of the outbreak and who worked at the location of the outbreak within the prior 14 days.
The employer can rebut the presumption that an employee became infected with COVID-19 due to a workplace outbreak with evidence of protective measures put in place to reduce the potential transmission of COVID-19 at the worksite or evidence of the employee’s nonoccupational risks of COVID-19 infection.
At Religare Health Insurance, our guiding principal is to ensure that our customers enjoy quick and hassle free access to best-in-class healthcare delivery facilities and their claim process is easy!
A patient who is injured due to the negligence of a medical professional can file a medical malpractice claim in a court of law. If your health care provider failed to take proper care of you or a loved one, you may have a medical malpractice claim. Ganim Injury Lawyers have extensive experience representing medical malpractice claims.
For more information:
Call us at (203)445-6542 or (877)828-4279,
Fax (203)713-8388,
Email us george@ganiminjurylawyers.com,
Website http://www.ganiminjurylawyers.com.
The government wants to ensure that businesses are supported to deal with the economic impacts of an outbreak of coronavirus. As per gov.co.uk, there shall be a range of extra support and measures put in place to help the employees, offer benefits to claimants and businesses that are affected by a coronavirus.
Health plus claim intimation form is for Health Insurance Policies (HCB & MSB Claims).Form must be completed & signed by Policy Holder / Principal Insured only and submitted to the TPA.
IDEAL INSURANCE is one of the largest Insurance Broking house of India providing Risk Management Services to Corporate and Individuals. We provide a Comprehensive Solution to all your Insurance needs. We assure you of our total commitment to our clients’ well being and will ensure the Highest Quality of Service Standards.
We are an specialist in Group Health Management and our technical expertise in the subject can help you
The Ideal Advantage:
1) Lower your Premiums in the long run
2) Manage your claims more effectively
3) Design Suitable covers and customize it regularly to meet employee expectations
4) Tie up With all Insurance Companies in India ensures we will give you the Best Deal and the Best Insurer
5) We will design a Employee Wellness Programme which will ensure better health for your employees resulting into Better Productivity and Lower Claims
We assure you of our total commitment to your organizational well being and will always ensure the Best Risk Management Practices.
You can drop an email at rahul@idealinsurance.in (CEO, Ideal Insurance Brokers Pvt. Ltd.)
It’s vital to insure your employees against accidents and ailments to avoid wasting valuable man-hours and causing low employee morale.
This presentation contains Key Benefits of Group Mediclaim Policy.
Employees' State Insurance Corporation is a self-financing social security and health insurance scheme for Indian workers. This fund is managed by the Employees' State Insurance Corporation (ESIC) according to rules and regulations stipulated there in the ESI Act 1948. ESIC is an autonomous corporation by a statutory creation under Ministry of Labour and Employment, Government of India.
California Workers Compensation Presumption for COVID-19 (SB1159)JasonSchupp1
Legislation before the Governor of California would restructure the state’s approach to making workers compensation benefits available to employees who have been diagnosed with COVID-19.
In early May of this year, the Governor of California issued a sweeping Emergency Order creating a rebuttable presumption that COVID-19 positive employees working outside of the home between March 19 and July 5 contracted the virus at work. At the time, California’s Workers Compensation Insurance Rating Bureau estimated the order would cost employers and their insurers $1.2 billion in medical care, disability payments and death benefits.
On August 31, the California legislature passed an extension and restructuring of the presumption of compensability which now awaits the Governor’s signature. The legislation would:
• Codify the presumption established by the emergency order for the period March 19 to July 5.
• Extend the presumption of compensability for first responders and certain health care workers through 2022.
• Limit the presumption of compensability for other employees working outside of the home to apply only if there has been an outbreak of COVID-19 at the workplace.
Under the presumption rules for workplace outbreaks, an employer must report to its insurance company (or claims administrator if self-insured) once the employer becomes aware an employee has tested positive for COVID-19. The insurer will keep track of these reports to determine whether 4 or more employees at a specific workplace (or 4% of the workforce at the site, if greater) have tested positive over a rolling 14-day period. If that threshold has been met, the presumption of compensability arises with respect to employees testing positive for COVID-19 during the period of the outbreak and who worked at the location of the outbreak within the prior 14 days.
The employer can rebut the presumption that an employee became infected with COVID-19 due to a workplace outbreak with evidence of protective measures put in place to reduce the potential transmission of COVID-19 at the worksite or evidence of the employee’s nonoccupational risks of COVID-19 infection.
At Religare Health Insurance, our guiding principal is to ensure that our customers enjoy quick and hassle free access to best-in-class healthcare delivery facilities and their claim process is easy!
A patient who is injured due to the negligence of a medical professional can file a medical malpractice claim in a court of law. If your health care provider failed to take proper care of you or a loved one, you may have a medical malpractice claim. Ganim Injury Lawyers have extensive experience representing medical malpractice claims.
For more information:
Call us at (203)445-6542 or (877)828-4279,
Fax (203)713-8388,
Email us george@ganiminjurylawyers.com,
Website http://www.ganiminjurylawyers.com.
The government wants to ensure that businesses are supported to deal with the economic impacts of an outbreak of coronavirus. As per gov.co.uk, there shall be a range of extra support and measures put in place to help the employees, offer benefits to claimants and businesses that are affected by a coronavirus.
Health plus claim intimation form is for Health Insurance Policies (HCB & MSB Claims).Form must be completed & signed by Policy Holder / Principal Insured only and submitted to the TPA.
IDEAL INSURANCE is one of the largest Insurance Broking house of India providing Risk Management Services to Corporate and Individuals. We provide a Comprehensive Solution to all your Insurance needs. We assure you of our total commitment to our clients’ well being and will ensure the Highest Quality of Service Standards.
We are an specialist in Group Health Management and our technical expertise in the subject can help you
The Ideal Advantage:
1) Lower your Premiums in the long run
2) Manage your claims more effectively
3) Design Suitable covers and customize it regularly to meet employee expectations
4) Tie up With all Insurance Companies in India ensures we will give you the Best Deal and the Best Insurer
5) We will design a Employee Wellness Programme which will ensure better health for your employees resulting into Better Productivity and Lower Claims
We assure you of our total commitment to your organizational well being and will always ensure the Best Risk Management Practices.
You can drop an email at rahul@idealinsurance.in (CEO, Ideal Insurance Brokers Pvt. Ltd.)
It’s vital to insure your employees against accidents and ailments to avoid wasting valuable man-hours and causing low employee morale.
This presentation contains Key Benefits of Group Mediclaim Policy.
Employees' State Insurance Corporation is a self-financing social security and health insurance scheme for Indian workers. This fund is managed by the Employees' State Insurance Corporation (ESIC) according to rules and regulations stipulated there in the ESI Act 1948. ESIC is an autonomous corporation by a statutory creation under Ministry of Labour and Employment, Government of India.
Future Advantage Top-Up - Give Your Health Insurance A Backup Plan From Futur...ColinGenerali
Future Advantage Top-Up is a deductible health insurance plan with high Sum Insured options to provide extra coverage at low premium as compared to any traditional health insurance plan.
ESIC Benefits | Only for the Private Use for the Staff of SandMartin Group of Companies & should not be treated as professional opinion/recommendations.
This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences.
1. Nature of Risk
Amount of Coverage for Each Employee
CEO to GM DGM to Sr.
Manager
Manager Sr. Executive to
Officer
Natural Death 50 Lac 30 Lac 20 Lac 15 Lac
Accidental
Death
100 Lac 60 Lac 40 Lac 30 Lac
Permanent
Total Disability
50 Lac 30 Lac 20 Lac 15 Lac
Permanent
Partial
Disability
Max. 75% of 50
Lac
Max. 75% of 30
Lac
Max. 75% of 20
Lac
Max. 75% of 15
Lac
2. ** Major Exclusions: Death due to AIDS/HIV related disease in any time and
suicide in the first year of coverage.
** Eligibility to join the Scheme: All regular and permanent employees who are
in good health and are below age 60 shall join the scheme. Any employee
exceeding age 60 years on the commencement of the risk and anytime within
the currency of the scheme shall not be covered. A new employee shall
automatically join the scheme upon being permanent of which intimation shall
be given to the company.
** Payment of Premium: Premium is payable yearly is advance on/before
commencement of insurance. However, for payment of subsequent renewal
premium one-month (30 days) grace is allowed.
Pro-rata premium shall be charged for new employees depending on the
effective day of coverage till Contract Anniversary Date.
Similarly pro-rata premium shall be refunded for outgoing employees
depending on the effective date of separation till the end of the Contract
Anniversary Date.
3. We are committed to settle all claims within 7 working days after receiving
of all required documents related with the claim.
In-case of Natural death:
1) Attested copy of Death Certificate from last attending
physician/clinic/hospital mentioning Registration Number.
2) Employment Certificate issued by the Organization.
3) Attested copy of NID/Passport.
In-case of Accidental Death:
1) Attested copy of Death Certificate from last attending
physician/clinic/hospital mentioning Registration Number.
2) Employment Certificate issued by the Organization.
3) Attested copy of NID/Passport.
4) Attested copy of Post Mortem Report or Certificate issued by Addl.
District Magistrate.
5) Attested copy of FIR.
4. In-case of Disability Claim:
1) Orthopedic Evaluation Report from Specialist Orthopedic Surgeon.
2) X-Ray Report & Film.
3) Relevant medical documents related to disability.
5. Benefit Schedule (with sub-limits per confinement)
Designation Group CEO to GM DGM to Sr.
Manager
Manager Sr. Executive to
Officer
Plan Corporate+ Corporate Executive+ Executive
Coverage per Person per
Disability
150,000 100,000 80,000 50,000
Daily Hospital Room Rent
(Actual or Max.)
2,500 2,000 1,500 1,000
ICU/CCU Limit per
confinement
Actual up to 14 days
Total Hospital Room Rent
including ICU/CCU
60,000 40,000 30,000 20,000
All other In-Patient
treatment expenses max.
per disability
90,000 60,000 50,000 30,000
6. • Each Member of the plan will get Health Insurance Card with own photograph
and contact details.
• Preferential admission facilities in our designated hospitals by showing Health
Card.
• Cashless treatment facilities in our designated hospitals.
• You have free choice of doctors and hospitals/clinics, countrywide even in
abroad.
• 5 days Pre & Post Hospitalization Treatment Expenses-only medicine &
investigation cost are covered.
• Option to include spouse & dependent children under this plan.
• Worldwide Treatment Coverage: In-Patient treatment facilities outside of
Bangladesh are also covered but reimbursement shall be made as per standard
cost of such treatments in Bangladesh.
• Attractive discounts are available from our designated hospitals countrywide
for medical tests/diagnostic charges by showing Health Insurance Card
applicable for self, spouse & dependent children.
7. **Major Exclusions: (i) Any congenital infirmity (ii) Any pre-existing conditions
(iii) Assisted Reproduction (iv) Maternity related treatment (v) Any
dental/optical related treatments other than accident.
**Tenure of the Scheme: Three years from the date of commencement. A contract
shall be signed which may be renewed on mutual agreement.
**Payment of Premium: Premium is payable yearly is advance on/before
commencement of insurance. However, for payment of subsequent renewal
premium one-month (30 days) grace is allowed.
Pro-rata premium shall be charged for new employees depending on the
effective day of coverage till Contract Anniversary Date. VAT imposed by the
Govt. has to be paid by the Organization concerned.
**Disability: Disability shall mean, in the event of a sickness or accidental bodily
injury caused individually or simultaneously requiring hospitalization and
medical treatment thereof is considered as one disability. Confinement within
120 days due to same or different ailment shall be considered as same disability.
If a disability is due to causes which are the same or related to the causes of a
prior disability (including complication arising there from), the disability shall
be considered a continuation of the prior disability and not a separate disability.
8. When advised by a medical doctor consultant for hospitalization, the Member
must inform the Company through “Claim Intimation Form” together with
doctor’s advice on or before admission in a Hospital/Clinic. In case of Medical
Emergency prior intimation shall be waived, however, the Member must send
Claim Intimation Form to the Company within 48 hours of such
hospitalization. Claim intimation can be made through Fax, e-mail or Courier
Service.
Use of Designated Hospitals: If a Member is admitted in the company’s
designated Hospital/Clinic, the Company shall pay all eligible expenses
incurred for hospitalization treatment within his/her benefit limit directly to the
Hospital/Clinic. Any expenses not mentioned in the Benefit Schedule or in
excess of the Benefit Limit should be borne by the Member himself/herself and
settled with the hospital at the time of discharge.
Use of Govt./Non-Designated Hospitals: The Member shall submit claim
through Claim Form to the Company within 30 days after discharge from the
Hospital/Clinic for reimbursement of expenses. The Company shall reimburse
to the Member the actual expense incurred for hospital treatment up to the
benefit limit upon receipt of complete Claim Form along with supporting bills,
money receipts and documents within 14 working days.