RFQ FOR GMC

Name and company profile - Apisero

Place:- Pune
Proposal for group mediclaim insurance Bhart Bajaj Bhart Bajaj
Total Premium (Rs. excluding taxes) 366,183 416,001 406,870 449,177
Total Premium (Rs. including taxes) 432,096 490,881 480,107 583,129
Covers Opted for
No.of.Employees 42 42 42 139
No.of.Lives 138 138 138 304
Family Definition Self + Spouse + 2 kids Self + Spouse + 2 kids Self + Spouse + 2 kids Self + Spouse + 2 kids
Normal room rent capping 2% of SI, max upto 7500 No Capping 2% of SI, max upto 7500 No Capping
ICU room rent capping 4% of SI, max upto 12000 No Capping 4% of SI, max upto 12000 No Capping
Co-pay 20 % on Parental Claim None 20 % on Parental Claim None
Sum Assured for family (lacs) 200000 200000 300000 300000
Pre-existing diseases Covered from Day 1 Covered from Day 1 Covered from Day 1 Covered from Day 1
Maternity limit (Normal and C-Sec) Normal: 50K, C-Sec: 60K Normal: 50K, C-Sec: 50K Normal: 50K, C-Sec: 60K Normal: 50K, C-Sec: 50K
9 month waiting period for maternity Waived Waived Waived Waived
Pre and post natal expenses Covered within maternity limit Upto Rs 5000 Covered within maternity limit Upto Rs 5000 Covered within maternity limit Upto Rs 5000 Covered within maternity limit Upto Rs 5000
New Born Cover from day 1 within family sum insured Covered Covered Covered Covered
1st / 2nd / 3rd / 4th Year Waiting Period Waived Waived Of Waived Of Waived Of Waived Of
Other common conditons
Pre-hospitalization costs covered 30 days 30 days 30 days 30 days
Post Hospitalization costs covered 60 days 60 days 60 days 60 days
Submission clause Within 30 days after discharge Within 30 days after discharge Within 30 days after discharge Within 30 days after discharge
Ambulance Charges 1000 per incident 1000 per incident 1000 per incident 1000 per incident
Co-pay
Capping on Cataract Rs. 30k per eye or actual, whichever is less. This includes Cost of Multi Focal Lens Not Applicable Rs. 30k per eye or actual, whichever is less. This includes Cost of Multi Focal Lens Not Applicable
Internal congenital diseases Covered Covered Covered Covered
Disease-wise capping None None None None
Addition / Deletion of Lives Pro-rata Pro-rata Pro-rata Pro-rata
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