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EMPLOYEE INSURANCE POLICY (2016-17) INTERNAL/EEL/HR-17:00001 ESSJAY ERICSSON PVT. LTD. Registered Office: Essjay Ericsson Pvt. Ltd., 210 FIE Patparganj Industrial Area, Delhi-110092

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Page 1: EMPLOYEE INSURANCE POLICY (2016-17) - Essjay · PDF fileEMPLOYEE INSURANCE POLICY (2016-17) ... Authority letter from E ... Authority letter / rejection letter will be faxed to the

EMPLOYEE INSURANCE POLICY

(2016-17)

INTERNAL/EEL/HR-17:00001

ESSJAY ERICSSON PVT. LTD.

Registered Office: Essjay Ericsson Pvt. Ltd. , 210 F IE Patparganj Industrial Area, Delhi-110092

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EMPLOYEE INSURANCE POLICY (2016-17)

This document describes the coverage & benefits extended to all EIL local employees under the Group

Insurance schemes like Group Medical Health Insurance (Mediclaim), Group Personal Accident

Insurance (GPAI) & Group Life Insurance.

Scope This Instruction is applicable to all local on-roll employees of Ericsson India Private Limited (EIL).

Group Medical Health Insurance (Mediclaim) Employees or their immediate family (spouse & dependent children) may be required to undergo

medical treatment. To cover the risk of expenses required for such medical treatment, Ericsson has

partnered with National Insurance Company Limited (NIC) to provide Medical Health Insurance and

Ericsson has selected E-Meditek (TPA – Third Party Administrator) for administering the Policy.

Coverage:

All local employees with their immediate family (spouse & dependent children), till the time they

remain employed with EIL are eligible to benefits as stated in this Instruction.

Married Children or children over 25 (twenty five) years of age are not covered under this policy.

Hospitalization should be for a minimum of 24 hours continuous duration resulting in a line of

treatment and not merely for diagnostic purposes except as those permitted by Insurance guidelines –

examples: Cataract, Medical Termination of Pregnancy (M.T.P) etc.,

Co-Pay: As per the agreed terms with NIC, 10% co-payment on each and every claim will be made by

the employee. Co-payment is applicable on sum insured or admissible claim amount whichever is less.

Co-Pay is not applicable for Cataract treatments.

Benefits:

Sum Insured: Coverage for employees is as per Family Floater, wherein, the amount of coverage is

dependent on the size of employee’s family.

Size of Family Sum Insured

Employee only 2 Lacs

Employee + Spouse 3 Lacs

Employee + Spouse + 1 Child 4 Lacs

Employee + Spouse + 2 or more children 5 Lacs

The above stated Sum Insured Amounts are on per annum per family basis.

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In case the employee and spouse are both working under Ericsson Group, both would be registered as

employees in the policy with a base sum insured of INR 2 Lacs. However, only one of them can enroll

the child / children as dependents. Both the employees cannot enroll the children as their dependents.

Top-Up: Over and above the above stated Sum Insured, employees can take additional coverage by

paying additional premium as per table below:

The premium paid by the employee can be availed as tax deduction under Section 80D up to a

maximum limit of INR 25,000/- per year as per Income Tax rules.

Pre-existing diseases covered

As per our Group Medical Health Insurance Policy, employees and/or dependents as defined above,

are covered on an As-Is basis which implies that employees and / or their dependents can avail

treatment for any pre-existing diseases.

Pre & Post Hospitalization claim:

Employees can avail expense reimbursement for treatments / medical conditions covered under the

policy, incurred 30 days prior to & 60 days subsequent to the discharge date from the hospital.

Enrollment Process:

Ericsson’s Insurance Policy is an Annual policy effective from 09th November of the year. Every year

employees must sign a declaration giving details of their dependents and whether they wish to do any

voluntary top-up to their Sum-Insured. The declaration process is electronically enabled and every

year mailers are sent to employees by Ericsson and E-Meditek. Employees must ensure to complete

this declaration on or before 08th November.

Mailers are sent to New-joiners of Ericsson for completing the above stated declarations within 21

days of their joining, on the E-Meditek enrolment website. Employees must read the Instructions given

in email carefully and complete all actions. New joiners are covered under the Insurance from the day

of their joining Ericsson.

If dependents declaration is not completed within the stipulated time period, the employee would be

covered as individual employee with Sum Insured of INR 2 Lacs for the current policy period and

addition of dependents (spouse and / or kids) will not be possible during the tenure of the policy. In

such scenarios, the employee will be able to add his / her dependents under this policy, only at the

Quantum of Top-Up Sum Insured - Over and Above Base Sum Insured with Tax 15%

Sum Insured 100000 200000 300000 400000 500000

200000 969 1818 2666 3512 4360

300000 1352 2703 4051 5402 6752

400000 1493 2983 4476 5967 7459

500000 1807 3613 5420 7225 9031

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time of next renewal due effective 9th November subsequent to the expiry of the current policy

period.

Any mid-term inclusion in the policy (marriage, child birth) needs to be updated in the TPA portal

within 30 days from the event with the Name, Date of Birth, Date of Event (marriage date, birth date),

Gender, Relationship with the employee for the additional dependent to be included in the policy

failing which, claim arising out of the hospitalization of the additional dependent, will not be

admissible under this policy.

Once a dependent has been enrolled / included in the policy, exclusion from the policy can only

happen either through a natural cause such as death of the dependent or change in the relationship

status of the employee with the spouse as for example in the event of a divorce/legal separation from

the spouse which must be duly intimated to EEL HR / COE TPY&B TEAM and should be updated in the

TPA portal.

Process of availing Benefits

As stated above, E-Meditek is appointed as Third Party Administrator to ensure smooth execution of

the Insurance Policy.

E-Meditek issues e-card for employees and their family members. This e-card is valid without

photograph of the insured (employee / spouse / kids). It is advisable to also keep a copy of the e-card

handy for use in case of an emergency hospitalization. Employees can access / print their e-cards by

following below steps:

Visit site http://emeditek.co.in/ (For future ease in usage, you may bookmark this link)

Click on User Login, Select Card Holder Login.

Input employee ID EELXXXX, Input Password which would be the employee’s DOB in

DDMMYYYY format. Password is not case sensitive.

Click on membership card / Individual Name, Click on E-card., Click on Print Button at top to

print the card.

Cashless Hospitalization: Ericsson employees can also avail of cashless hospitalization benefit,

wherein the Insurance Company makes direct payment to the Hospital for the eligible amount.

Employees wanting to avail this facility must comply with the process detailed below:

Network Hospital: E-Meditek has a tie-up with several hospitals where employees can avail of

cashless benefit. To avail cashless Hospitalization service, employee must enroll in the Network

hospital for treatment. Updated list of Network Hospital can be found on E-Meditek website or by

clicking the Link. It is advised that employees go by recommendation of the Doctor for treatment and

Hospitalization, Employees can always avail reimbursement in case the recommended Hospital by the

Doctor is a non-network hospital.

Planned Hospitalization: In case of planned hospitalization, following steps need to be completed:

Step 1: Authority letter from E-Meditek: Insured Employee should fill up a request for cashless

hospitalization and send it via email / fax at least 72 hours before the planned admission. Kindly

ensure that "part b" to be filled in by the treating doctor at the hospital and "part c" to be filled in by

the hospital / nursing home is filled completely & correctly.

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Email Id: [email protected]

Fax no 0124 – 4466677

Cashless Hospitalization Request Form

Step 2: E-Meditek will scrutinize the admissibility of the request and either approve or deny the

request. Authority letter / rejection letter will be faxed to the hospital with intimation to the insured.

Please note that rejection of a request for cashless hospitalization is only denial of cashless service and

is in no way to be treated as denial of treatment. The insured retains the right to get treated and

submit bills to E-Meditek for subsequent reimbursement (if any) as per policy terms & condition.

Step 3: Patient will contact the admission/TPA desk of the network hospital on planned admission

date with the E-Meditek identity card. Identity of the patient will be validated before admission.

Note that the initial authorization from E-MEDITEK office is on an estimated financial amount, keeping

in view the Doctor’s recommendations of the treatment.

Employee is advised to keep a track of the approx. expenditure every day & seek additional

authorization, in case the earlier authorization amount is expected to fall short.

In case of Emergency, employees are advised to get admitted to nearest Hospital for treatment. If

admission is to Network Hospital, then follow steps as listed in planned hospitalization for availing

cashless hospitalization. It would be endeavor of E-Meditek to support on ASAP basis and not as per

timelines stated for Planned Hospitalization. If the hospital is a non-network hospital then the Claim

reimbursement process as listed below will apply.

Claim Reimbursement Process:

Intimation: An employee has to inform E-Meditek about hospitalization within 48 hours of admission,

else the claim submitted later for settlement on reimbursement basis, is liable to be rejected by TPA.

Under no circumstance though, the information to the TPA for such hospitalization be sent later than

the discharge date. Information to the TPA on such hospitalization should be in written – through mail

or SMS – as far as possible.

Mode of Claim intimation:

Email to: [email protected], [email protected], & [email protected],

OR

Contact No.s

OR

Online Intimation: http://www.emeditek.co.in/OnlineIntimation.aspx

Information to be shared: Information shared through such mailers / calls or online, must have Patient

Name, E-Meditek Card Number, Hospital Name and Address, Undergoing Treatment for and

Estimated Expenditure.

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Document Submission for claim: Employee will have to settle all bills directly with the hospital and

subsequently claim reimbursement form E-Meditek, submitting the following documents in original:

Original Claim Form Duly Signed by Employee

Document Checklist

Original Hospital Bill with Bill Number & break up

Original Discharge Summary

Original Hospital Payment receipt with receipt number

Hospital Registration Number

Original Pharmacy & Investigation bills

Original Doctor prescriptions

Investigation Reports in original / attested from hospital

Police FIR / Medico Legal certificate

X-Ray / Ultrasound films

Copy of cancelled Cheque

Please ensure to retain copies of all documents submitted to E-Meditek for further reference.

Claim Submission: Employees stationed in Ericsson Forum Office can directly meet E-MEDITEK

representative who visits the office every day from 10 am to 5 pm, to submit the claim & take

acknowledgement on a photocopy of the Claim Form.

Employees stationed at other locations can either submit the claim directly to their location-based

EMEDITEK Helpdesk / drop box or alternatively can send the hard copy of claim documents to the

Emeditek office addressing it to

The SPOC Emeditek,

Emeditek TPA Pvt. Ltd, Plot # 577,

Udhyog Vihar, Phase – V,

Gurgaon 122016.

Claim Status: Employees can check the status of their claims online on E-Meditek website. Steps to be

followed for same are as below:

Click on User Login, Select Card Holder Login.

Input employee ID EELXXXX, Input Password which would be the employee’s DOB in

DDMMYYYY format. Password is not case sensitive

Click on Individual name, Click on Claims.

Details of claim will be available with current status.

Note: In case of any IR Pending or Rejection of claim on any grounds, E-MEDITEK will directly contact

the employee

Important Terms & Conditions for Claim Reimbursements:

Please ensure to retain copies of all documents submitted to E-Meditek for further reference.

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Claims for hospitalization should be submitted no later than within 30 days from the date of

discharge; else, the claim is liable to be rejected by the TPA.

For hospitalization claims to be admissible under this policy, a hospital / nursing home should comply

with minimum criteria (all inclusive) as stated below: -

Has been registered as a hospital or Nursing Home with the local authorities & is under the

supervision of a Registered and qualified Medical Practitioner

It should have at least 15 and 10 in-patient beds for Metro and Non-Metro respectively.

Should have fully equipped operation theatre of its own wherever surgical operations are

carried out.

Should have qualified nursing staff under its employment round the clock.

Term “HOSPITAL/ NURSING HOME” shall not include an establishment, which is a place of

rest, deaddiction / Rehabilitation center, wellness facility, resort or old age home, or a similar

place.

The claim amount cleared for payout by the insurance company/TPA shall be final. EIL shall

not be liable in case of a claim or part of a claim being rejected by the insurance company

Support

Please check E-Meditek website (http://emeditek.co.in/) for E-MEDITEK contact numbers.

For escalation please refer the Link

For Final escalation, Ericsson employees may write to EEL HR through following channels

89900

(Airtel/Vodafone/Reliance/BSNL/MTNL/TATA/ IDEA)

Email: [email protected]

Web Request

Important exclusions from the policy

Any injury or disease caused by war and allied perils .

Any injury or disease sustained in the process of breach of criminal law by the insured.

Routine eye examination cost of glasses and contact lenses.

Charges incurred at hospital or nursing home primarily for diagnostics, x-ray or lab tests, not

connected with positive existence of a disease requiring hospitalization.

Genetic diseases (except cancer).

Expenses on irrelevant investigations/treatment; private nursing charges, referral fee to family

physician, outstation Doctor/Surgeon/ consultants’ fees etc.

Out-patient diagnostic/medical/surgical procedures/treatments, non-prescribed

drugs/medical supplies/hormone replacement therapy, sex change or any treatment related

to this.

Unproven procedure/treatment, experimental or alternative medicine/treatment including

acupuncture, acupressure, magneto-therapy etc.

Stay in hospital for domestic reason where no active regular treatment is given by specialist.

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Dental treatment or surgery of any kind unless requiring hospitalization due to accident.

Circumcision, cosmetic treatment & plastic surgery unless necessitated by an accident.

Venereal diseases, insanity, intentional self-injury & any disease arising from use of

intoxicating drugs and liquors.

Charges incurred at hospital or nursing home primarily for diagnostics, x-ray or lab tests, not

connected with positive existence of a disease requiring hospitalization.

Expenses incurred towards vitamins & tonics unless forming part of treatment of disease as

certified by the attending doctor.

Convalescence, general debility, run-down condition or rest cure, congenital external disease

(non-life threatening only) or defects or anomalies.

Voluntary medical termination of pregnancy during the first 12 weeks from the date of

conception.

Doctor’s home visit charges/attendant, nursing charges during pre & post hospitalization

period.

Hospitalization period Hospitalization of less than 24 hours except for treatments i.e.

Dialysis, chemotherapy, radiotherapy, eye surgery, dental surgery(due to accident), lithotripsy,

D&C, Tonsillectomy etc. taken in a Registered hospital/nursing home.

Cataract treatment beyond INR 35,000/-. The eligibility for cataract treatment is for a

maximum of Rs.35, 000/- per eye per annum (including cost of lenses). There is no co-pay in

Cataract claim.

Note: Notwithstanding the above list of exclusions, all exclusions mentioned specifically in the policy

issued by NIC to Ericsson, will be the final and binding list of exclusions to govern the admissibility of

a hospitalization claim. Employees are advised to check with the TPA (E-Meditek), preferably prior to

or at least at the time of commencement of hospitalization, if a particular treatment / medical

condition is excluded under this policy. Failure on the part of the employee to check this beforehand

will not render subsequent rejection of the claim by the TPA/ Insurance Company contestable.

Important conditions as applicable for availing Maternity Benefit

Can be availed for first two instances only (Delivery & an associated surgery). Employees

already having two or more children will not be eligible for this benefit.

Expenses incurred in connection with voluntary Medical Termination of Pregnancy (M.T.P)

during the first 12 weeks from the conception are not covered.

Benefit towards Maternity expenses is limited up to Rs.75, 000 for Caesarean delivery & Rs.50,

000 for normal delivery.

Pre and post-natal expenses under IPD within the maternity limit covered.

Co-payment of 10% is applicable on maternity admissible claimed amount or sum insured

whichever is lower.

Portability:

The Group Mediclaim Policy is Portable in nature and the option to port the policy upon exit from EIL

is a voluntary option for the employee

Benefits of Portability

The extent of benefits and Pricing would be as per the Retail Policy Benefits of National

Insurance at the time of policy porting by the employee on exit from EIL.

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No health checkup would be required for employees over 45 years of age.

Continuity benefit would be given to the employee keeping in reference his/her Date of

joining in Ericsson

First 30 Days waiting Period would be waived off.

First 2 years Exclusion waiver would be given from the Date of Joining of the employee.

Diseases like Cataract, Hernia, hysterectomy, piles, stone disease etc. would be covered

Pre-Existing Diseases can be covered provided the Employee has been with Ericsson for 4

continuous years or more at the time of porting the policy.

Process of Portability

Employee to write to [email protected] stating the intent to continue with the policy on

exit from Ericsson. Employee to attach a proof of Date of Joining in Ericsson along with Mediclaim

proposal form. This intent is to be mandatorily shared 30 days before his / her last working day at

Ericsson.

Other Important Points to Note

In case a registered hospital/nursing home is not covered under the list of network hospitals,

the employee may approach the local E-MEDITEK office to have the Hospital/Nursing Home

included. This process may take few days’ time & it is advisable only in case of pre-planned

hospitalization. However, the inclusion of the hospital in the panel of the TPA is subject to

TPA’s internal criteria.

Employee can take up to a Single Bed (Deluxe) AC room in any hospital in case of a

hospitalization.

In case the E-MEDITEK card is not yet available and hospitalization is required, employee may

contact his / her location E-MEDITEK helpdesk or his / her HR Generalist who shall guide him /

her on the hospitalization procedure.

Enclosures

Claim Form

Document Submission Checklist

Link to check Cashless Hospitals

Link to Non-Payable items under the Mediclaim Policy

List of Critical Illness diseases

Group Personal Accident Insurance (GPAI) Policy In addition to Group Medical Health Insurance, Ericsson covers all its employees under a 24 hour GPAI

policy against any injury / death due to an accident of any nature at any place. This policy is taken

from National Insurance Company Ltd.

Coverage

The extent of coverage of this policy is as defined below:-

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In case an insured employee is incapacitated due to accident for a short period of time and

thus unable to resume work, the injured person can claim up to 1% of the sum insured as

indicated above in Column A, for each week of disability, subject to a maximum of 104 weeks

& a maximum amount of Rs. 40,000/- (Forty Thousand) per month or Rs. 10,000/- (Ten

Thousand) per week. This benefit is available once employee has exhausted all his/her paid

leaves in ericsson and has a loss of pay situation

Permanent Partial Disability means permanent loss of earning capacity, for example due to the

loss of one or both limbs or eye(s). The disability must be confirmed by the Disability Board /

Chief Medical Officer of a Government Hospital. The compensation is awarded by the

insurance company based on the percentage loss of earning capacity as per the Table of

Benefits for Personal Accidental Insurance policy

In case of death or permanent total disability arising out of an accident, the benefit is payable

to the nominee or employee, as per the limits stated in Column-B, in the above table.

Claim Process

o In the eventuality of an accident, information is to be sent to EEL HR within 48 hours so that the

insurance company can be intimated.

o On re-joining duty after the accident, the employee can claim reimbursement of medical & related

expenses by filling up a claim form. The documents to be attached along with Claim Form are:

o Medical Report: This is to be filled up and signed by the attending doctor who should be qualified

& a Registered medical practitioner.

o Original First Information Report (F.I.R.) lodged with Police (if any): This is required where the

accident has been Registered as a police case.

o Copy of the Leave Application duly authorized by your manager in ESS. (Please take screenshot of

the approved leave from ESS).

o Original Case History / Medicine Prescriptions / Medical, x-ray, Diagnosis Reports / Medical Bills /

Expense details / Discharge & Fitness Certificate by Medical Practitioner.

o The above documentation should be submitted to COE TPY&B

o Employees are advised to keep a copy of these documents for their records.

o After recording relevant information, COE TPY&B will forward all documents to the Insurance

Company for reimbursement.

o The reimbursement shall take up to 30 working days.

o Claims passed by insurance company shall be binding on the company & the employee. The claim

amount shall be disbursed to an employee / nominee on receipt of the amount from the

insurance company.

Temporary Total Disability

Benefit (A)

Permanent Partial / Total Disability and Loss of Life Benefits

(B)

1% of GPA Sum Insured or actual

weekly salary (whichever is

lower) subject to a maximum of

Rs.10000 per week for a

maximum of 104 weeks.

Up to 36 times of the monthly salary (i.e. Monthly Basic

Salary+HRA+Composite Allowance) of an employee, subject

to a minimum benefit of Rs.10 Lacs (Ten Lacs only).

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o COE TPY&B is responsible for all procedures & follow-up activities with Broker/Insurer.

o Note: As a standard procedure, the nominees declared during the enrolment process to the policy

will be considered for the purpose of GPAI. In case, the employee had not selected any nominee,

then nominees indicated in the PF declaration (with same percentage allocation) will be

considered for the purpose of GPAI. However, if an employee wishes to change the nomination

and/or percentage, the same may be intimated to EEL HR.

Life Insurance Cover All Ericsson employees are under a 24 hour Life Insurance Worldwide cover from Bajaj Allianz against

loss of life due to any cause (natural causes & accidents). The accident cover is over & above the GPAI

coverage

Coverage

Up to 30 times of monthly salary* of an employee, subject to a minimum amount of INR 10 Lacs (Ten

Lacs only)

(*Salary - Basic, House Rent Allowance & 100 % of Composite Allowance as payable to an employee per

month, shall constitute as components of salary for the purpose of calculation of above coverage.)

Key Features of the policy

o The Insurance amount is payable to the nominee in case of death of an employee.

o All employees shall be covered under the life insurance cover provisions till such time that

they remain in employment with Ericsson India Private Limited (EIL), i.e. the life insurance

cover, automatically ceases once an employee is not employed with EIL.

o Employees can enroll for a top-up on the term life cover provided by EIL to cover the

employee up to a maximum of 7 times of the yearly salary. (Including the 2.5 times as

mentioned above). The top-up premium amount would be INR 56/- per Lac of sum insured

plus Service Tax @ 15%

o Medical underwriting - If total sum insured opted is more than INR 2.6 Crores, employee

might be contacted by insurer/Marsh for medical underwriting where the employee is either

requested to fill a form or undergo a medical test. The cost of the medical test will be borneby

insurance company. If the employee is contacted for medical underwriting he/she will be

covered up to the free cover limit of INR 2.6 CR. Once the underwriting is successfully

completed, the employee will be covered for the full sum insured limit as applicable.

Claim Process

In the case of any eventuality (loss of life of the employee), GFHR GO COE TPY&B team must

be informed at the earliest by the employee’s manager / HR Business Partner / HR Generalist

so that the insurance company can be intimated.

GFHR GO COE TPY&B team to confirm the required documents for the Nominee from

employees’ family.

HR Business Partner / HR Generalist to arrange the required documents from the family. After

collecting relevant information & documents, GFHR GO COE TPY&B will forward the related

documents to the Broker for processing the claim.

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The claim amount shall be disbursed to the employee’s nominee/s based on approval from

GFHR GO GSSC New Delhi Legal & Compliance team on receipt of amount from the insurance

company to Ericsson.

HR Business Partner / HR Generalist is responsible for all procedures & follow-up activities

pending from employees’ Family.

GFHR GO COE TPY&B is responsible for all procedures & follow-up activities pending from

Broker & Insurer.

Note: As a standard procedure, the nominees declared during the enrolment process will be

considered for the purpose of Life cover. In case, the employee had not selected any nominee,

then nominees indicated in the PF declaration (with same percentage allocation) will be

considered for the purpose of Life cover. However, if an employee wishes to change the

nomination and/or percentage, the same may be updated on TPA portal.

Portability:

The Group Term Life Policy is Portable in nature at the volition of the employee upon exit

from EIL (Ericsson Group) i.e. when not taking internal mobility to EIL or moving out on LTA or

L2L assignments to other entities in Ericsson

Benefits of Portability

The benefits would be as per the Retail Policy Benefits of Bajaj Allianz prevailing at the time

of portability

Medical checkup would be required as per Bajaj Allianz guidelines depending on the age of

the Employee

Employee can take the portability of the policy for the Full Sum Insured (Employer offered +

Voluntary Top-up, if any)

No financial underwriting will be required if the same or less sum Insured is opted for retail

policy as opted in Group Plan. Retail rates would prevail

Rate for retail policy will be as per the Retail plan as applicable that time.

Process for Portability

The employee would be required to contact : [email protected]

The employee would be required to provide the proof of his/her DOJ in Ericsson along with

the Term Life proposal form Detailed Life Insurance Cover policy is available with GFHR GO

COE TPY&B and can be viewed, if required.

Group Medical Health Insurance (Mediclaim) for Dependent Parents or Parents-

in-laws of Local Employees Employee’s parents or parents-in-laws may be required to undergo medical treatment. To support

employees in managing expenses required for such medical treatment, Ericsson has partnered with

National Insurance Company Limited (NIC) to provide Medical Health Insurance for dependent

parents and parents-in-laws. Insurance premium for such Insurance cover is paid by employees and is

optional. NIC has tied-up with E-Meditek (TPA – Third Party Administrator) for administering the

Insurance Policy.

The policy issued by NIC summarizes the benefits available. Notwithstanding anything mentioned in

these Instructions, the details of applicability, benefits & process etc. as mentioned in the policy issued

by NIC, shall be final and binding.

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Insurance Premium The premium towards coverage of dependent parent(s) and/or parent(s)-in-law will be borne by

employees. Consolidated premium is paid by Ericsson and it is recovered from employee’s salary

processed through the immediately ensuing payroll cycles. Recovery is made in 4 equal installments

through consecutive payroll cycles

Employee has an option to cover his/her dependent parent(s) and / or parents-in-law for Sum Insured

amounts of either INR 2, 3, 4, 5, 6 or 7 Lacs as per premium amounts indicated below.

Sum Insured Premium with service tax @15%

200000 15,003

300000 18,055

400000 20,854

500000 23,093

600000 25,402

700000 27,943

An employee can choose a Sum Insured / Coverage amount from the menu of Sum Insured options at

the time of enrolling the parents and / or parents-in-law upon joining the company or at the time of

policy renewal. However,

Switching between sum insured options during the currency of the policy period is not

permissible.

Existing employees, at the time of the policy renewal, can scale up or scale down the sum

insured amount by INR 1 Lac.

Employee has to opt for the same sum insured amount for both parents and / or parents-in-

law. Example: Father: SI or INR 2 Lac and Mother: SI of INR 2 Lac is permissible per these

instructions but Father: SI of INR 2 Lac and Mother: SI of INR 3 Lac is not permissible.

Both parents and parents-in-law need to be enrolled unless either parent or parent-in-law is

deceased.

The premium paid only for Parents and not for Parents-In-Law, by the employee can be

availed as tax deduction under Section 80D up to a maximum limit of INR 25,000/-, if any of

the parent is under age of 60, else the maximum limit will increase to INR 30,000/- for the

year as per existing Income Tax rules.

An employee opting to enroll his/her parent(s) and/or parent(s)-in-law during the policy period upon

joining EIL shall have his/her parent(s) and/or parent(s)-in-law covered for the balance period i.e. till

the policy termination date, from the date of joining. Premium shall be charged on pro-rata basis for

enrolment of dependent parent(s) and/or parent(s)-in-law during the year.

Self and Spouse both working under Ericsson Group can enroll their Parents and/or Parent(s)- in-Law

only as one employee’s dependent parents and / or parent(s)-in-law and not against both.

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Benefits No pre-medical check-up required for enrolment in Mediclaim Policy.

All pre-existing diseases covered under the policy.

No age limit defined for dependent parent(s) under the policy.

Pre & post hospitalization claim: Expenses related to hospitalization for treatments / medical

conditions covered under the policy, incurred 30 days prior to & 60 days subsequent to the discharge

date from the hospital, are covered by the policy and will be settled on a reimbursement basis.

Portability: The Parental Mediclaim Policy is portable in nature and the option to port the policy upon

exit is a voluntary option for the employee. Process is defined later in the document.

Important Exclusions from the policy General Policy exclusions - Link to Non-Payable items under the Mediclaim Policy

Any injury or disease caused by war and allied perils.

Any injury or disease sustained in the process of breach of criminal law by the insured.

Routine eye examination, cost of glasses and contact lenses.

Charges incurred at hospital or nursing home primarily for diagnostics, x-ray or lab tests, not

connected with positive existence of a disease requiring hospitalization.

Genetic diseases (except cancer).

Out-patient diagnostic/medical/surgical procedures/treatments, non-prescribed

drugs/medical supplies/hormone replacement therapy, sex change or any treatment related

to this.

Unproven procedure/treatment, experimental or alternative medicine/treatment including

acupuncture, acupressure, magneto-therapy etc.

Stay in hospital for domestic reason where no active regular treatment is given by specialist.

Expenses on irrelevant investigations/treatment; private nursing charges, referral fee to family

physician, outstation Doctor/Surgeon/ consultants’ fees etc.

Dental treatment or surgery of any kind unless requiring hospitalization due to accident.

Circumcision, cosmetic treatment & plastic surgery unless necessitated by an accident.

Venereal diseases, insanity, intentional self-injury & any disease arising from use of

intoxicating drugs and liquors.

Charges incurred at hospital or nursing home primarily for diagnostics, x-ray or lab tests, not

connected with positive existence of a disease requiring hospitalization.

Expenses incurred towards vitamins & tonics unless forming part of treatment of disease as

certified by the attending doctor.

Convalescence, general debility, run-down condition or rest cure, congenital external disease

or defects or anomalies, sterility etc.

Voluntary medical termination of pregnancy during the first 12 weeks from the date of

conception..

Doctor’s home visit charges/attendant, nursing charges during pre & post hospitalization

period

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Hospitalization of less than 24 hours except for treatments i.e. Dialysis, chemotherapy,

radiotherapy, eye surgery, dental surgery(due to accident), lithotripsy, D&C, Tonsillectomy

taken in a registered hospital/nursing home.

The eligibility for cataract treatment is for a maximum of Rs.35, 000/- per eye per annum

(including cost of lenses). There is no co-pay in Cataract claim.

Note: Notwithstanding the above list of exclusions, all exclusions mentioned specifically in the policy

issued by NIC to Ericsson, will be the final and binding list of exclusions to govern the admissibility of

a hospitalization claim. Employees are advised to check with the TPA (E-Meditek), preferably prior to

or at least at the time of commencement of hospitalization, if a particular treatment / medical

condition is excluded under this policy. Failure on the part of the employee to check this beforehand

will not render subsequent rejection of the claim by the TPA/ Insurance Company contestable.

Enrollment The Dependent Parents and / or Parents-in-Law Insurance Policy is renewed every year on 09th

November and is valid for a year till 08th November next year. Every year employees are informed

about the enrolment process via emails from Ericsson & E-Meditek along with the premium amount

and any major changes in the Insurance policy.

Employees may have historically enrolled their parents and/or parents-in-law- details of which are

available on E-Meditek website during the enrolment window opening each year with the

commencement of the insurance renewal process and employees have the option to include / exclude

them. It is mandatory to signoff the renewal of Insurance every year before the beginning of the new

policy period.

For any reason, if employee does not sign off the renewal enrolment on E-Meditek portal then or

excludes the parents and / or parents-in-law already covered under the current policy period, during

the currency of the renewed policy period, parents or parents-in-laws are excluded from the coverage

and cannot avail of the benefits under this policy. In such an instance, the only option available to

employee would be to ensure he/she gets them enrolled again on the next renewal due effective 9th

November of the following year. Such re-enrolments will be subject to a first 60 days waiting period

i.e. no claims will be eligible for processing / settlement for hospitalization of parents and / or parents-

in-law during the first 60 days of the policy period.

Employees joining subsequent to the policy renewal date 9th November, may enroll their Dependent

Parent(s) and/or parents(s)-in-law under this Mediclaim Policy as per the process communicated via

email received by them within 21 days of joining from e-Meditek (Third Party Administrator – TPA).

The window for enrolment would be available for 30 days from date of joining and requests for

enrolment beyond this window will not be possible.

In case of separation of the employee, the coverage for dependent parent(s) and / or parents-in-law

will cease from the date of leaving of the employee. The premium, only where employee has made no

claim against the policy in the policy period, will be paid back to the employee on a prorated basis (for

the balance period from Date of Leaving till the policy termination date of 8th November) with the F&F

settlement.

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In case of demise of any parent/parent-in-law covered under the policy, the premium will be refunded

on pro-rata basis subject to no claim reported in the policy period.

Process of availing Benefits As stated earlier, E-Meditek has been appointed as Third Party Administrator to ensure smooth

execution of the Insurance Policy.

E-Meditek issues e-cards for insured parents &/or parents-in-law. This e-card is valid without

photograph of the insured. It is advisable to also keep a copy of the e-card handy for use in case of an

emergency hospitalization. Employees can access / print their e-cards by following below steps:

Visit site http://emeditek.co.in/ (For future ease in usage, you may bookmark this link)

Click on User Login, Select Card Holder Login.

Input employee ID EELXXXX, Input Password which would be the employee’s DOB in

DDMMYYYY format. Password is not case sensitive.

Portal would prompt for a change of password. Employees would be required to change their

passwords accordingly

Click on membership card / Individual Name, Click on E-card., Click on Print Button at top to

print the card.

Cashless hospitalization: Employees can also avail of cashless hospitalization benefit for parents

and/or parents-in-law, wherein the Insurance Company makes direct payment to the Hospital for the

eligible amount. Employees wanting to avail this facility must comply with the process detailed below:

Network Hospital: E-Meditek has a tie-up with several hospitals where employees can avail of

cashless benefit. To avail cashless hospitalization service, employee must enroll in the Network

hospital for treatment. Updated list of Network Hospital can be found on E-Meditek website or by

clicking the Link. It is advised that employees go by recommendation of the Doctor for treatment and

hospitalization, Employees can always avail reimbursement in case the recommended Hospital by the

Doctor is a non-network hospital.

Planned hospitalization: In case of planned hospitalization, following steps need to be completed:

Step 1: Authority letter from E-Meditek: Insured Employee should fill up a request for cashless

hospitalization and send it via email / fax at least 72 hours before the planned admission.

Kindly ensure that "part b" to be filled in by the treating doctor at the hospital and "part c" to

be filled in by the hospital / nursing home is filled completely & correctly.

Email Id: [email protected]

Fax no 0124 – 4466677

Cashless Hospitalization Form

Step 2: E-Meditek will scrutinize the admissibility of the request and either approve or deny

the request. Authority letter / rejection letter will be faxed to the hospital with intimation to

the insured. Please note that rejection of a request for cashless hospitalization is only denial of

cashless service and is in no way to be treated as denial of treatment. The insured retains the

right to get treated and submit bills to E-Meditek for subsequent reimbursement (if any) as

per policy terms & condition.

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Step 3: Patient will contact the admission desk of the network hospital on planned admission

date with the E-Meditek identity card basis which Identity of the patient will be validated

before admission.

Note that the authorization from E-MEDITEK office is on an estimated financial amount,

keeping in view the Doctor’s recommendations of the treatment.

Employee is advised to keep a track of the approx. expenditure every day & seek additional

authorization, in case the earlier authorization amount is expected to fall short.

In case of Emergency, employees are advised to get admitted to Hospital. In case admission

is to Network Hospital, then follow steps as listed in planned hospitalization for availing

cashless hospitalization. It would be endeavor of E-Meditek to support on ASAP basis and not

as per timelines stated for planned hospitalization.

Claim Reimbursement Process:

Intimation: An employee has to inform E-Meditek about hospitalization within 48 hours of admission,

else the claim submitted later for settlement on reimbursement basis, may be rejected by the TPA.

Under no circumstance though, the information to the TPA for such hospitalization be sent later than

the discharge date. Information to the TPA on such hospitalization should be in written – through mail

or SMS – as far as possible.

Mode of Claim intimation:

Email to: [email protected], [email protected], &

[email protected],

OR

Phone Call on 0124-4149765 or 0124-4466677, Toll Free 1800-102-3242

OR

Online Intimation: http://www.emeditek.co.in/OnlineIntimation.aspx

Information to be shared: Information shared through such mailers / calls or online, must

have Patient Name, E-Meditek Card Number, Hospital Name and Address, Undergoing

Treatment for and Estimated Expenditure.

Document Submission for claim: Employee will have to settle all bills directly with the

hospital and subsequently claim reimbursement form E-Meditek, submitting the following

documents in original:

Original Claim form duly signed by employee

Document Checklist

Original Hospital Bill with Bill Number & break up

Original Discharge Summary

Original Hospital Payment receipt with receipt number

Hospital Registration Number

Original Pharmacy & Investigation bills

Original Doctor prescriptions

Investigation Reports in original / attested from hospital

Police FIR / Medico Legal certificate, if any.

X-Ray / Ultrasound films

Copy of cancelled Cheque

Please ensure to retain copies of all documents submitted to E-Meditek for further reference.

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Claim Submission: Employees stationed in Ericsson Forum Office can directly meet E-MEDITEK

representative who visits the office every day from 10 am to 5 pm, to submit the claim & take

acknowledgement on a photocopy of the Claim Form.

Employees stationed at other locations can either submit the claim directly to their location-

based EMEDITEK Helpdesk / drop box or alternatively can send the hard copy of claim

documents to the Emeditek office addressing it to Vikash Avasthi, Emeditek TPA Pvt. Ltd, Plot

# 577, Udhyog Vihar, Phase – V, Gurgaon 122016.

Claim Status: Employees can check the status of their claims online on E-Meditek website. Steps to be

followed for same are as below:

Click on User Login, Select Card Holder Login.

Input employee ID EELXXXX, Input Password which would be the employee’s DOB in

DDMMYYYY format. Password is not case sensitive

Portal would prompt for a password change. Employees to change their password and

proceed with portal use

Click on Individual name, Click on Claims.

Details of claim will be available with current status.

Note: In case of any IR Pending or Rejection of claim on any grounds, E-MEDITEK will directly contact

the employee.

o Important Terms & Conditions for Claim Reimbursements:

o Please ensure to retain copies of all documents submitted to E-Meditek for further reference.

o Claims for hospitalization should be submitted no later than within 30 days from the date of

discharge; else, the claim is liable to be rejected by the TPA.

o For hospitalization claims to be admissible under this policy, a hospital / nursing home should

comply with minimum criteria (all inclusive) as stated below: -

o Has been registered as a hospital or Nursing Home with the local authorities & is under the

supervision of a registered and qualified Medical Practitioner

o It should have at least 15 and 10 in-patient beds for Metro and Non-Metro respectively.

o Should have fully equipped operation theatre of its own wherever surgical operations are

carried out.

o Should have qualified nursing staff under its employment round the clock.

o Term “HOSPITAL/ NURSING HOME” shall not include an establishment, which is a place of

rest, deaddiction / Rehabilitation center , wellness facility, resort or old age home, or a similar

place

Support Please check E- Meditek Contact No.s

For escalation please refer the Link

For Final escalation, Ericsson employees may write to EEL HR through following channels

ECN 89900

(Airtel/Vodafone/Reliance/BSNL/MTNL/TATA/ IDEA)

Email: [email protected]

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Web Request

Portability The Group Mediclaim Policy is Portable in nature and the option to port the policy upon exit from EIL

is a voluntary option for the employee

Benefits of Portability

The extent of benefits and Pricing would be as per the Retail Policy Benefits of National

Insurance at the time of policy porting by the employee on exit from EIL.

Waiver of health check-up requirement under the portability plan

First 30 Days waiting Period would be waived off.

First 2 years Exclusion waiver would be given from the date of Joining under the Ericsson

parent’s program. Diseases like Cataract, Hernia, hysterectomy, piles, stone disease etc. would

be covered

Pre-Existing Diseases can be covered provided the parents have been covered under the

Ericsson Parent’s program for 4 continuous years or more at the time of porting the policy.

Process of Portability

Employee to write to [email protected] stating the intent to continue with the policy on

exit from Ericsson. Employee to attach a proof of Date of Joining in Ericsson along with Mediclaim

proposal form. This intent is to be mandatorily shared 30 days before his / her last working day at

Ericsson.

Other Important Points to Note To avail benefits under this Instruction, Hospitalization should be for a minimum of 24 hours

continuous duration resulting in a line of treatment and not merely for diagnostic purposes

except as those permitted by Insurance guidelines example Cataract, M.T.P. etc.,

Co-Pay: As per the agreed terms with NIC, 10% co-payment on each and every claim will be

made by the employee. Co-payment is applicable on sum insured or admissible claim amount

whichever is less. Co-Pay is not applicable for Cataract treatments. However, if the employee

has enrolled parents in 2014-15 and 2015-16 without any claim history in both the policy

years, for the first claim reported in 2016-17 against parental policy a co pay of 5% will be

applicable. However, for subsequent claims in the same year 10% will be applied.

In case a registered hospital/nursing home is not covered under the list of network hospitals,

the employee may approach the local E-MEDITEK office to have the Hospital/Nursing Home

included. This process may take few days’ time & it is advisable only in case of pre-planned

hospitalization. However, the inclusion of the hospital in the panel of the TPA is subject to

TPA’s internal criteria.

Employee can take up to a Single Bed (Deluxe) AC room in any hospital in case of a

hospitalization.

In case the E-MEDITEK card is not yet available and hospitalization is required, employee may

contact his / her location E-MEDITEK helpdesk or his / her HR Generalist who shall guide him /

her on the hospitalization procedure.