Transcript HR POLICY OF HSCL

HINDUSTAN STEELWORKS
CONSTRUCTION LTD.
( HR DEPARTMENT )
GROUP MEDICLAIM
INSURANCE POLICY
OF HSCL
POLICY NO.
030281/48/12/41/0000005
( POLICY PERIOD : 03.04.2012 TO 02.04.2013 )
Insured
:
Family
:
Self and Spouse (only)
Sum Insured per Family
:
Rs 1,50,000/-
Coverage
:
Cashless
Facilities
:
Ex-Employees & (Direct)
Personnel on contract
Expenses incurred for treatment of patient in any
Registered Hospital or Nursing Home.
The insured will get the benefit of ‘cashless
hospitalization’ from listed hospitals through TPA,
M/s Vipul Medcorp Pvt. Ltd.
HOSPITALIZATION :
BENEFITS & LIMITATIONS
 BENEFITS :
Pre - Hospitalization Benefit 10 days prior admission to Hospital / Nursing Home
Post - Hospitalization Benefit 15 days after discharge from the Hospital / Nursing Home
 LIMITATIONS :
A Room & Bed Facility  Max. of Rs 1,000/- per day for Normal
 Max. of Rs 2,000/- for ICCU & ITU
( Inclusive of Nursing care, Blood Transfussion,
Injection, Cleaning of wounds & similar expenses )
B Treatment on various Diseases Diseases
Rates
Hydrocele, Hernia,
Hysterectomy, etc.
Rs 33,000/- (per claim)
Cataract
Rs 18,000/- (per claim)
Piles, Lithotripsy, Fracture
followed by surgery, etc.
Rs 22,500/- (per claim)
Fatal accident, By-pass, Brain
Tumor & other life-threatening
diseases, etc.
Hemo Dialysis, Chemo Therapy
& other similar treatment, etc.
Non-surgical treatment
Diagnostic & InvestigationTest,
Consultant & Specialist fees, etc.
Rs 1,05,000/- (per claim)
Rs 15,000/- (per claim)
Rs 75,000/- (Max. payable Amt.)
Rs 37,500/- (per claim)
Rs 22,500/- (per claim)
[ During the period of admission ]
RESTRICTIONS ON COVERAGE
OF THE POLICY
 Expenses on treatment related to maternity.
 Cost of spectacles and contact lens, hearing aid or related items.
 Circumcision except for injury, vaccination or inoculation or change or life
or cosmetic or aesthetic treatment of any description, plastic surgery
except for relating to treatment of injury or illness.
 Convalescence, General Debility, Run down condition or Rest cure or
defects, or Anomalies, Sterility, Venereal disease, internal self injury and use
of intoxications drugs / alcohols and any congenital diseases.
 Expenses on diagnostic, x-ray or Laboratory investigations unless related
to the treatment of illness or injury falling within the ambit of Hospitalization.
 Naturopathy treatment.
 All expenses arising out of any condition directly or indirectly caused due to
or associated with Human T cell, Lymph Tropic Virus Type III (HTLB – III) or
Lymphadinopathy Associated Virus (LAV).

Mutants Derivative or Variation Deficiency Syndrome or any Syndrome or
conditions of a similar kind commonly related to as AIDS.
CLAIM PROCEDURE
Intimation of any Claim must be communicated to
TPA or HSCL, Head Office, within 48 hours of admission
and submission of such claim along with all the original
documents & proper receipts confirming the expenses
& treatment relating to Pre, Post and during
Hospitalization, must be submitted to TPA or Head
Office within 30 days from the date of discharge.