Definition:

Immediate Family - For Married Employees

Self + Spouse
Self + Spouse + Children

Immediate Family - For Unmarried Employees

Self + Dependent parents

Definition of Additional Dependents

Additional Dependents will constitute of Parents OR Parents-in-law. For married employees only.

Guidelines:
• Employees can nominate Self + 3 Dependents + 2 Additional Dependents.
• Where Additional Dependents (Parents OR Parents-In-Law) are covered, it will be on a chargeable
basis and an additional premium will be recovered from payroll.
• The total cost of Additional Insurance premium for Parents and Parents-in-law will be
communicated separately and will be deducted from payroll in one or more instalments. These
details will be communicated individually.
• If Parents are covered under the definition of immediate family (for unmarried employees)
additional premium will not be charged.
• Name and Date of birth provided as a part of Insurance Coverage should match with Government
ID proofs.
•The premium charged for additional dependents is covered under Sec 80D of the Income Tax act.
• Inclusion and deletion of additional dependent (Father & Mother) in medical insurance are
possible only during renewal.
• Inclusion of new-born details within 90 days of birth and inclusion of spouse details within 30 days
from the date of marriage.