User Manual For BCH Electric Limited

1. User ManualForBCH Electric Limited Employee Health Insurance Program 2013 -14 Enter

2. Employee Insurance Program This presentation is a summary of the employee benefit insurance policies offered to the employees by BCH Electric Limited. It contains the necessary details related to your insurance policies like benefits available, claims procedures, enrollment process, as well as contact details of Vantage Representatives. If you have questions or need any additional information, Vantage team will be happy to assist in all matters concerning to your Insurance Benefits. Click to Proceed Disclaimer: This document has been prepared exclusively for BCH Electric Limited and is only for reference of benefits under the Employee Benefit Program. The detailed policy terms & benefits will be always as per the contract between the Insurer & Insured. The contents herein should not be copied or distributed without the prior permission of Vantage Insurance Brokers and Risk Advisors Pvt. Ltd. Any breach of these conditions will be constituted as unlawful and may invite legal action.

3. Employee Health Insurance Policy • The Group Health Insurance Program provides pre-defined insurance coverage to all employees & their dependents for expenses related to hospitalization due to illness, disease or injury. • In the event of a hospitalization claim (more than 24 hrs.), the insurance company will pay the insured person the amount of such expenses as would fall under different heads mentioned below, and as are reasonably and necessarily incurred thereof by or on behalf of such insured person, but not exceeding the sum insured in aggregate mentioned in the policy: • Room Charges, • Nursing expenses, • Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialists Fees, • Anesthesia, Blood, Oxygen, Operation Theatre Charges Surgical Appliances, Medicines & Drugs, & similar expenses. BCH Electric Limited offers the following Employee Benefit Insurance Policies. Click on the icon below to know more details of the policy including Benefits , Claims Procedure, Exclusions of the following Insurance Policies: Know your Health Insurance Program

4. Know your Health Insurance Program Providing you the ease of understanding your benefits in detail, you can choose to click on the icons below to know more: Your Policy at a Glance Benefits Offered Claims - Cashless Claims: Non-Cashless/ Re-imbursement Exclusions Exit Contact Vantage

5. Your Health Insurance policy at a Glance Sum Insured Details Members Covered General Hospitalization Benefits Cont… Exclusions

6. Your Health Insurance policy at a Glance Maternity Benefits Restrictions Cont… Exclusions

7. Your Health Insurance policy at a Glance Existing Associates + Dependents New Joiners + Dependents New Dependents on account of Marriage / Birth Insurance Partners Exclusions

8. Sum Insured Family Floater Applicable Under the family floater, the insurance cover will be available to all members of the family unit. The sum insured is available for utilization by any member of the family with or without any sub limit. It is however subject to the overall family sum insured for all members put together. • Illustration:The sum insured for any employees is INR 2,50,000. An employee and his spouse meets with an accident and are hospitalized. The hospitalization expenses incurred for the employee is INR 60,000 and for the spouse is INR 30,000. • The entire sum insured will be applicable to the entire family without any sublimit to any member in case of family floater. Hence, employee can use INR 60,000 and spouse can use INR 30,000. • In case of any future hospitalization of any covered members of the family, the remaining sum insured • i.e., INR 160,000 will be available for utilization. Exclusions

9. Members Covered * No Individual should be covered as dependent of more than one employee ** Dependent's coverage subject to them being enrolled in the policy within the given timelines *** Should be financially dependent on the employee Exclusions

10. General Hospitalisation Benefits Pre- existing Disease Pre-existing diseases refers to condition or ailments that may have been contracted before the start of the policy. There is usually a waiting period of 4 years for covering such ailments. Covered for all enrolled members from day 1 30 Day Waiting Period for new joiners Any hospitalization expenses during the first 30 days from the commencement date of the Policy is not covered for the new joiners. This exclusion is however, not applicable to any emergency hospitalization occurring due to an accident. Waived off for all 1st/2nd/3rd/4th Year Waiting Period Medical insurance policies have waiting period of 1/2/3/4 years for reimbursement of medical expenses for treatment of certain specified ailments. The specified ailments mainly include Cataract, Benign Prostatic Hypertrophy, Hysterectomy or prolapsed of uterus, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis, Joint Replacement due to Degenerative condition, Age related osteoarthritis and Osteoporosis, among others. Waived off for all Exclusions Cont…

11. General Hospitalisation Benefits Domiciliary Hospitalization Domiciliaryhospitalization means treatment done at home in India for a period exceeding three days for disease, illness or injury, which in the normal course, would require hospitalization. This could happen if either the condition of the patient is such that he/she cannot be moved to Hospital/ Nursing Home, or the patient cannot be admitted to Hospital/Nursing Home for lack of accommodation. Not Covered Day Care Covered Day care procedures refers to such treatment which does not necessarily require 24 hospitalization due to medical technological advancement. Such list of ailments are available with insurance companies and are referred to as Day care ailments. Day Care treatment can be taken in network hospitals only – on a cashless basis. Please refer to the complete list by clicking on the attachment. Exclusions Cont…

12. Pre & Post Hospitalisation Expenses The expenses incurred in relation to the condition of hospitalization, generally 30 days prior to the date of hospitalization as well as 60 days post the discharge are reimbursed under the Pre & Post Hospitalization Clause. These expenses include things like medication prescribed at the time of discharge, follow up treatment etc. Pre Hospitalisation Expenses If the Insured member is diagnosed with an Illness which results in his / her Hospitalization and the claim is admissible, the Insurer will also reimburse the Insured Member’s Pre-hospitalization Expenses. Covered for 30 days prior to date of admission Post Hospitalisation Expenses Relevant expenses for 60 days post discharge from hospital for an admissible hospitalization claim will be reimbursed in the policy. Covered for 60 days post the date of discharge Exclusions

13. Maternity Benefits • The maximum benefit allowable is INR 50,000/- for Normal and INR 50,000/- for C-section per delivery within the overall Sum Insured for the first two live births . There are special conditions applicable to the Maternity Expenses Benefits as below: • Claim in respect of delivery for only first two live births and/or operations associated therewith will be considered. • Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the date of conception are not covered. Maternity Expenses AnyMaternity or pregnancy related expense other than those excluded (like voluntary termination of pregnancy in the first 12 weeks of delivery) will be payable. The maternity benefit is applicable for Normal / Cesarean delivery within the overall Sum Insured for the first two live births. INR 50,000/- for Normal and INR 50,000/- for C-section 9 Month Waiting Period There is usually a 9 month waiting period for new joiners to claim Maternity Benefits under Group Health Policy. Waived off. Maternity benefit available to all employees from day 1. Cont… Exclusions

14. Maternity Benefits Covered from Day 1 within family floater. The normal baby expenses like pediatrician visit, nursery charges, etc. prior to discharge from hospital post delivery is covered up to 5% of maternity sub-limit for Caesarian. Vaccination charges are not payable. Baby Cover On Delivery of a child, the child is prone to many health disorders like jaundice or expenses incurred for incubator for pre-mature births or any other complication to the child. Usually there is a 90 days waiting period for covering baby in the policy. Exclusions

15. Restrictions Room Rent Capping Limited to 1.5% of Sum Insured for normal and 2.5% of Sum insured for ICU. Room rent is capped to a certain limit in the policy. Employees/dependents choosing to go for higher room category than what is specified in the policy will need to bear the incremental room rent amount. This would also apply to related expenses such as nursing charges, doctor’s fees, etc. which is associated with the room category. This limit may differ for ICU. Illustration: There is a room rent restriction of INR 3,750 per day for any employee. An employee is suffering from a particular disease and is hospitalized. The hospital package for the ailment as per various room categories are as follows: If the employees goes for Package C, then the payable expenses under the policy would be INR 38,750 only. He will have to bear the additional INR 7,250. The associated charges with the increase in room rent will have to be borne by the employee. Cont…

16. Claims – Cashless administration Cashless service ensures that the employee and the covered family members get treatment at the hospital empanelled in the TPA Network without having to pay any money. This is however, subject to approval from the TPA based on the benefits covered under the policy. 24 X 7 Customer Care Center of FHPL (TPA) Toll Free Nos. Toll Free Phone: 1800 425 4033 E-mail: Info@fhpl.net You may also contact Vantage representative on the following number: Manjusha Dhuper - 9873660277 E-mail ID : manjusha.dhuper@vantageindia.co.in Claim should be intimated to Info@fhpl.net and manjusha.dhuper@vantageindia.co.in Click for Planned Hospitalization Click for Emergency Hospitalization Exclusions

17. Cashless - Planned Hospitalisation Member intimates TPA / Vantage of the planned hospitalization in a specified pre-authorization form 48 hours prior to hospitalization TPA issues letter of Approval within 24 hours for planned hospitalization to the hospital Pre-Authorization Completed Claim Registered by the TPA Yes No Member produces ID card at the network hospital and gets admitted Follow non cashless process Member gets treated and discharged after paying for all non-entitled expenses like the deductions based on the policy terms, the cost of non payable items etc. to the hospital.

18. Cashless - Emergency Hospitalisation Process In case of a sudden requirement of Hospitalization, the cashless process is as follows: Member get admitted in the hospital in case of emergency by showing his health card and ID Card . Treatment starts. Member / Hospital applies for pre-authorization to the TPA within 24 hrs of admission TPA verifies applicability of the claim to be registered and issue pre-authorization Pre-authorization given by the TPA Follow non cashless process No Yes Member gets treated and discharged after paying all non entitled benefits like refreshments, etc.

19. Claims - Reimbursement Benefit Admission procedure In case of a non-network hospital, the patient will need to be admitted to the hospital and take the treatment. Discharge procedure In case of non network hospital, employee will be required to clear the bills and submit the claim to TPA through Vantage helpdesk for reimbursement. Please ensure that all necessary documents such as discharge summary, investigation reports, payment receipts, reports etc. are collected in original for submitting your claim. • Submission of hospitalization claim • After the hospitalization is complete and the patient has been discharged from the hospital, the claim must be submitted within 15 days from the date of discharge from the hospital. • Under hospitalization claims, you are also permitted to claim for treatment expenses 30 days prior to hospitalization and 60 days after the date of discharge. This is applicable for both network and non-network hospitalization. Click for Process Click for Claim Docs Exclusions

20. Claims - Reimbursement Process Documents received by TPA within 15 days * from discharge Member intimates TPA before or as soon as hospitalization occurs (within 24 hours of admission) Claim registered by TPA after receipt of claim intimation Insured admitted as per hospital norms. All payments made by member No Claim Closed/ Rejected Yes TPA performs medical scrutiny of the documents for admissibility of the claim Sends mail about deficiency and document requirement for re-submission Documentation complete as required TPA checks document sufficiency Yes No No Yes Claims processing done within 21 working days Claims cheque is sent to the employee/ client * Note: claim should be intimated to us within 24 hours from hospitalization and documents should be submitted to us within 15 days from date of discharge. If deficiency is not submitted within the given timelines, the same will be considered as closed.

21. Claims - Reimbursement Documents • Claim form duly filled and signed by the claimant • Original Discharge Summary • Main Hospital bills in original (with bill no; signed and • stamped by the hospital) with all charges itemized and the original receipts • Attending doctors’ bills and receipts (if separate from hospital bill) and certificate regarding diagnosis. • Original reports of Bills and Receipts for Medicines, Investigations along with Doctors prescription in Original and Laboratory • All original payment receipts must be taken from the hospital including invoices for implants and stickers in case of lenses • Follow-up advice or letter for line of treatment after discharge from hospital, from Doctor. • Break up details of Pharmacy items, Materials, Investigations even though it is there in the main bill • In case the hospital is not registered, please get a letter on the Hospital letterhead mentioning the number of beds and availability of doctors and nurses round the clock. • In non-network hospitalization, please get the hospital and doctor’s registration number in Hospital letterhead and get the same signed and stamped by the hospital. • Note: there may be additional documents other than the above mentioned list, required by the TPA, based on specific treatments.

22. General Exclusions Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operation or disease directly or indirectly caused by or contributed to by nuclear weapons/materials. Exclusions • Circumcision unless necessary for treatment of the disease, cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness. • Surgery for correction of eyesight, cost of spectacles, contact lenses, hearing aids. • Dental Treatment or surgery of any kind unless requiring hospitalization on account of Accident Cases. • Convalescence, general debility ‘run-down' condition or test cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury, all psychiatric and psychosomatic diseases/disorders, accident due to misuse of drugs/alcohol or use of intoxicating substance. • Acquired Immune Deficiency Syndrome (AIDS). • Naturopathy, unproven procedure/treatment, experimental or alternative medicine/treatment including acupuncture, acupressure, magneto therapy etc. • Out patient diagnostic/medical/surgical procedures/treatments, non-prescribed drugs/medical supplies/hormone replacement therapy, sex change or any treatment related to this. • Any kind of service charges/surcharges, admission fees/registration charges etc. levied by the hospital. • Doctor’s home visit charges/attendant, nursing charges during pre and post hospitalization period except in case • of domiciliary hospitalization. Cont…

23. General Exclusions • Expenses on irrelevant investigations/treatment; private nursing charges, referral fee to family physician, outstation doctor/surgeon/consultant’s fees etc. • Genetic disorders/stem cell implantation/surgery. • External/durable medical/non medical equipment's of any kind used for diagnosis/treatment including CPAD, CAPD, infusion pump etc., ambulatory devices like walker/ crutches/ belts/ collars/ caps/ splints/ slings/ braces/ stockings/ diabetic foot wear/ glucometer/ thermometer & similar related items & any medical equipment which could be used at home subsequently. • 14. Non medical expenses including personal comfort/ convenient items/ services such as telephone/ television/ barber/ beauty services/ diet charges/ baby food/ cosmetics/ napkins/ toiletries/ guest services etc. • Treatment for obesity or condition arising there from (including morbid obesity) and any other weight control program services/supplies. • Injury arising from any hazardous activity including scuba diving, motor racing parachuting, hand gliding, rock or mountain climbing etc. • Treatment received in convalescent home/hospital, health hydro/nature care clinic and similar establishments. Payment: All medical/surgical treatments under this policy shall have to be taken in India and admissible claims thereof shall be payable in Indian currency. • Note: The above list is an illustrative list of exclusions and not an exhaustive list of all exclusions.

24. Contact Vantage For any query related to Insurance, Associates are requested to address all mails to manjusha.dhuper@vantageindia.co.in and mark cc to the respective local Vantage representatives. Following are the contact details of Vantage Representatives:

25. Thank You