Cyient BeneFlex Program 2023-24

My Benefits My Way!
Index

• Introduction to Flexible Benefits

• Health Insurance Benefits
• Protection Insurance Benefits
• Non-Insurance Benefits
• Non-Insurance Benefits Claim Process
Introduction to
Cyient’s BeneFlex Program
Introduction- Cyient BeneFlex

Cyient is here to back you with the holistic benefits offering that support each
stage of your career and life through Cyient’s BeneFlex Program.
It gives you greater flexibility and choice, by providing you the freedom to
design your personal benefits plan, that best suits your unique needs.

Cyient will provide default coverage – a standard level of medical coverage for
you, spouse and children
▪ You also have an option to flex up (opt for a benefit higher than company
sponsored default coverage) or flex down (opt for a lower benefit than
company sponsored default coverage). Cyient contributes INR 5,310 for the
ESC options
▪ You also have an option to cover you parents/parents-in-law under the
Voluntary Parental Plan (VPP) Cyient contributes 50% premium for INR 2L
Sum Insured
▪ You can enhance your coverage by opting in for voluntary plans like OPD,
CI and other Health Plus plans
▪ In addition, Cyient also provides graded accidental insurance cover for you

This presentation details an overview of the Cyient’s BeneFlex Program,

Flexible Spending Avenues and helpful decision-making tips to assist you in
making the right benefit choice.
Introduction- Cyient BeneFlex
Flex Points
✓ Cyient is contributing INR 5,310 per
employee/ per year which can be utilized
towards the Employee, Spouse, Children
Mediclaim cover
✓ In addition to the above contribution, you will
have 1,000 additional Flex Points for 2023,
provided by Cyient at the beginning of the
enrolment period (28th April, 2023 onwards)
✓ 1 Flex Point = INR 1
✓ These 1000 Flex Points will reflect on your
BeneFlex Account on BenefitsYou Portal and
you can utilize them for flexing up or down
your benefits
✓ Total employee payable premium will be
deducted from the salary in three equal
installments (May'23,Jul'23,Oct'23)
What can you do with your Flex Points?
• The flex points can be utilized towards selecting relevant benefits
like Health Plus plans, OPD, Critical Illness and Non-insured
benefits as per individual life needs.
• During your enrolment, you can choose to flex up using these
points (opt for a benefit higher than company sponsored default
coverage). The available Flex points balance will be automatically
adjusted with the cost of benefit opted. Once the flex points get
exhausted and you still wish to enroll for additional benefits, you
can purchase them through salary contribution.
• You can use the Flex points to claim reimbursements for non-
insurance benefits. For claim process, refer the BeneFlex Benefit
Manual available on Benefits You portal
Introduction- Cyient BeneFlex
Default Benefits

Medical Insurance Accident Insurance

Cover – INR 200,000 for ESC* Cover – Sum Insured based on the Band Level
(Employee Only)

Core Benefits (Minimum level of cover offered by Cyient)

Medical Insurance Accident Insurance

Cover – INR 200,000 for Employee Only Cover – Sum Insured based on the Band Level
(Employee Only)

Insurance and Non-Insurance Benefits

Health Cover- ESC Health Cover-Parents Health Plus Plans OPD & CI Cover Non-Insurance Benefits

• Choose dependents & cover
• Sum Insured (SI) Options –
starting from INR 2L - INR
25L
• Family options:
✓ Self
✓ Self + Children
✓ Self + Spouse
✓ Self+ Spouse + 2 Children
• Choose cover for P / PIL
• SI Options- INR 2L - INR 25L
• Family options:
✓ 1P/2P
✓ 1 PIL / 2 PIL
✓ Cross- Combination of P/PIL
also allowed
✓ Both sets of parents can be
covered together
Choose from 7 Health Plus Choose from below mentioned
Plans- Family Care non-insurance benefits:
• Pregnancy Care • Online Subscription of
• Choose from 3 OPD Plans
• Elder Care
courses
• Choose from 3 CI Plans
• Annual Health Check Plan
• Sibling Cover
• Financial Planning Assistance
• Children Care
• Gym/Sporting Equipments
• Co Payment Buyback
• Wearable Health Device
Plan
• Fitness Plan • Pet Care

*E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law

Health Insurance
Benefits
Health Insurance
Benefits

© 2022 Marsh, All Rights Reserved. 7

Health Insurance Benefits

The health insurance benefits provide insurance Available Family Structure & Sum Insured options
coverage for hospitalization care, if you or your
declared dependent family members are hospitalized
for a period of 24 hours or more
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
• Cyient is contributing INR 5,310 per employee/
per year which can be utilized towards the ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Employee, Spouse, Children Mediclaim cover ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
• In addition to INR 5,310, you will receive 1,000 Flex
Points for 2023
• Default Family cover is ESC- INR 200,000
• You can choose to flex up up to Sum Insured INR ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
2,500,000
✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
• Define your own family definition
• 6 Health Plus plan for better coverage ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
• Voluntary Parental Policy to cover Parents/Parent- ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
in-laws *E = Employee, S= Spouse/Partner, C = Child, P = Parents/ Parent-in-law
• Additional voluntary OPD and Critical Illness cover
at a subsidized premium cost ✓ Default Coverage ✓ Flex up options ✓ Flex down options
• 6 Non-Insured benefit options

Guide to Read the above Sum Insured options grid:

Note:
Left Column represents Family Structure and Top Row represents Sum Insured. The cells marked with
• You can choose to flex up using Flex Points or ‘✓’ sign show the available Sum Insured options for the respective family definition. For instance,
Salary contribution family definition E (Employee Only) has 2L, 3L, 5L and 7L Sum Insured options available.
Health Plus Plans
Family Care Plan
Eligibility: All members covered under base policy
• Maternity Plus - Additional Sublimit of INR 30,000
• Fertility Treatment for men & women on IPD basis – INR
50,000
• Gender Reassignment Surgery covered up to INR 200,000
• Egg Freezing allowed up to INR 50,000
• Specially-abled members covered up to INR 100,000
• 90 days post hospitalization cover for cancer
Total Premium: INR 30,520 per family
Pregnancy Care Plan
Eligibility: Employee and Spouse
• Support from health experts for expectant fathers and
mothers (employees, spouses)
Reduces stress, demystifies the journey, and equips
•
pregnant woman to stay healthy and avoid complications
• Advice on diet, birthing methods, and exercise, and de-
stressing tips
• Online help portal, Dedicated Buddy counsellor and dietician
• Unlimited Live Chat/ call/ phone/ email support/ by dedicated
dietician and counselor
• Monthly personalized newsletter based on the
developmental stages of the unborn child
• Online webinars/ SMS Alerts
Total Premium: INR 2,500
9
Health Plus Plans

Elder Care Plan Children Care Plan

Eligibility: Parents/ Parents-in-law Eligibility: Children enrolled under the base policy

• Wellness Platform 24X7

• Elderly Care Helpline for inbound calls
Storage Electronic Health records • Infant and Children (up to 14 years) Vaccinations approved
•

Doctor Consultation- 12 geriatric tele-consultations free of cost by WHO up to INR 2000 per vaccination over all additional
•

Unlimited GP consultations cap of INR 10,000

•

• Once a year complimentary health check up
• One fall-risk assessment survey
• Discounts on medicines, physiotherapy, medical equipment
rentals, doctor home visits, driver, cab , visit by an EMOHA
companion and many more (50+ such facilities available, on
use basis)
• Elderly care plan is not linked with Family Sum insured
• P/PIL both can be covered. Pricing is on per parent basis
• Well Baby Expenses upto INR 5000 over maternity limit
• Treatment of genetic disorders screening and inpatient
treatment
• Coverage for specially abled children OPD INR 15000
(consultations. Medicines and diagnostics)
• The benefits would be a part of opted family SI for enrolled
children

Total Premium: INR 2,500 per parent Total Premium: INR 11,446 per family
Health Plus Plans
Sibling Cover
Eligibility: Sibling
Cover up to 2 dependent sibling
•
• Age Limit- 25 years
• Restricted to 50% of the base ESC
sum insured, Up to INR 200,000
(within the Floater sum insured
under the Base Health cover plan)
Total Premium: INR 4,956 per sibling
Co-Pay Buy Back
Plan
Eligibility: Parents/ Parents-in-law
• This is a specially curated
benefits upgrade available
under the Health Plus Plan
• It is aimed to waive off the
element of co-payment for
parents / parents-in-law under
the Health Cover which is
25% on all parents and
parents-in-law claims for all
sum insured bands
Total Premium: INR 22,391 per parent
Fitness Plan
Eligibility: Employee Only
• Fitness Plan Digital- Unlimited
mobile access to Daily
Wellness & Rewards,
Weight/Diet management with
Nutritionists and Digital Fitness
videos across 450+ videos
• Fitness Plan Elite- Unlimited
access to Gym & Studio Access
across Fitternity + Cult.Fit
Network
Fitness Plan Digital: INR 1,428
Fitness Plan Elite: INR 14,927
11
OPD Plan
OPD (outpatient) Plan will help you cover your everyday medical expenses towards doctor consultations, prescribed diagnostic tests,
dental, vision check-up and medical treatment availed as a walk-in patient at any local clinics, diagnostic centres or hospitals. You can
then choose to buy this plan with your Flex Points or through salary deduction.
OPD Plan is a voluntary cover

OPD Coverage Plan 1- 10,000 Plan 2- 15,000 Plan 3- 25,000

Eligibility ESC ESC ESCP

Doctor Consultations (General Physician, Specialist, Super Specialist)* upto OPD SI upto OPD SI upto OPD SI

Prescribed diagnostics, preventive measures* upto OPD SI upto OPD SI upto OPD SI

Vaccines (COVID vaccination upto 50% of the sub-limit) INR 5000 INR 7,500 INR 12500

Dental- Dental Examination / Scaling and Polishing / X-ray / Fluoride Treatment /

Filling / Prophylaxis / Root Canal Treatment / Extractions / Oral Surgery / Re- INR 4000 INR 6000 INR 8000
cementation / Medication / Restoration / Crowning / Implant / Braces*
Vision- Prescription lens/ Vision check-up done by optometrist / optician* INR 2,000 INR 4,000 INR 6,000

Premium (inclusive of GST@18%) INR 7,079 INR 11,327 INR 17,699

Note:
1. All the above Flex Points are for an annual plan
2. This plan is available only for members enrolled in health insurance plan
3. The above plans can be availed as reimbursement 12
Critical Illness Plan
Critical Illness Cover offers a financial support package for you with a one-time lump sum payment on first time detection/ diagnosis of
any of the listed 25 critical illnesses (listed below).
You will receive lump sum payment to manage your out-of-pocket expense only for first diagnosis. Pre-existing diseases are not covered
under the policy. In addition, policy will have a 30 days survival period condition.

Sum Insured INR 500,000 INR 1,000,000 INR 2,000,000 Insurer: Aditya Birla Health Insurance Company Ltd.
Eligibility: Employee & Spouse only
Pricing INR 1,741 INR 3,481 INR 6,962
30 days survival period after first time detection of ailment

1. First Heart Attack 14. Loss of Speech

2. Cancer 15. Motor Neuron Disease
3. Stroke resulting in permanent symptoms 16. Multiple Sclerosis
4. Kidney Failure Requiring Regular Dialysis 17. End Stage Liver Disease
5. Major Organ / Bone Marrow Transplant 18. Primary Pulmonary Hypertension
6. Permanent Paralysis of Limbs 19. Major Head Trauma
7. Loss of Limbs 20. Chronic Lung Disease
8. Aorta Surgery 21. Aplastic Anemia
9. Major Burns 22. Systemic Lupus erythematosus with Lupus nephritis
10. Blindness 23. Alzheimer’s Disease
11. Coma 24. Open Chest CABG
12. Parkinson’s Disease 25. Heart Valve Surgery
13. Benign Brain Tumour
Protection
Insurance Benefits
Group Personal Accident (GPA) Cover

Accident insurance helps protect you from unexpected financial stress if you meet with an accident.
Insurer: United India Insurance Company Limited | Eligibility : Employee only

Core Benefit
Current Benefits
Benefit Coverage ( Employee Only )
Sum Insured :Graded Grade wise;
Band A,B: INR 20 lacs;
Band C,D: INR 50 lacs;
Band E,F: INR 1 crore;
Band G and above: INR 2.5 crore

Accidental Death
Permanent Disablement
Temporary Total Disablement •
• Accidental Death
• Permanent Total Disablement
• Permanent Partial Disablement
• Accidental Medical Expenses – 10% of sum insured or 40% of admissible amount or actuals,
whichever is lesser
Temporary Total Disablement: INR 7,500 per week for Band A ,B & C and INR 10,000 per week
For Level D & above for 104 weeks
• Acts of terrorism covered
• Education Benefit -10% of principal SI or 1,00,000 whichever is lower
• Repatriation of remains – INR 5,000
• Other Terms and Conditions: As per Standard GPA

Note: 100% premium cost is borne by the employer for GPA Cover
Group Term Life Insurance(GTLI) Cover
GTLI helps protect the insured person's loved ones from financial hardship in the event of their unexpected death.
Insurer: Max Life Insurance | Eligibility : Employee only

Core Benefit
Current Benefits
Benefit Coverage ( Employee Only )

Sum Insured : Graded Grade wise;

Band A,B: From 15 lacs to INR 25 lacs;
Band C,D: From 30 lacs to INR 50 lacs;
Band E,F: From 50 lacs to INR 1 crore;
Band G and above: From 1.5 crores to INR 2 crores

Critical Illness Sum Insured : Grade wise;

Graded Band A,B: INR 5 lacs;
Band C,D: INR 5 lacs;
Band E,F: INR 10 lacs;
Band G and above: INR 10 lacs

Note: 50% premium cost is borne by the employer for GTLI Cover
Non-Insurance
Benefits
Non-Insurance Benefits
You can go to the BeneFlex portal and choose to allocate un-utilized Flex Points to optional non-insurance benefits. These options can be
selected / utilized through the year depending on your convenience.
You will be able to reimburse the cost of non-insurance products / services against the Flex Points allocated by them. The products/
services attract perquisite tax.
 Non-Insurance Benefits- Reimbursement Workflow
You can go to the BenefitsYou portal and choose to allocate un-utilized Flex Points to optional non-insurance benefits. These options can
be selected / utilized through the year depending on your convenience.
You will be able to reimburse the cost of non-insurance products / services against the Flex Points allocated by them. The products/
services attract perquisite tax. Priya
Sample Illustration
Employee allocates Flex Points to
Non-Insurance Benefits

Makes a purchase of Sporting/Gym Equipment costing her INR

Employee avails service/ purchases 6,000
membership 1

Priya will register the claim on the FHPL TPA portal

Employee registers the claim and
uploads the invoice on the FHPL
TPA portal via BenefitsYou Portal
ACCEPT
2
FHPL will validate the bill and make payment through monthly
payroll with tax adjustment. The payment is capped to a
3 maximum of INR 1,000 (i.e. Flex Wallet Balance)
REPUDIATION

Priya will be reimbursed only the left-over Flex points in her wallet
Rejection mail to member with 4
Automated mail to member with the approval
details. Payment will be made through monthly clear the reasons for rejection
payroll with Tax adjusted
NOTE:
1. You can claim reimbursement for non-insurance benefits from the balance Flex Points available after opting for your health insurance benefits during the enrolment
window
2. An Illustration- An employee chooses for a Non-Insurance benefit like a Sporting/Gym Equipment and the cost of the equipment is INR 6,000. Only a max. of INR 1,000
can be reimbursed under Non-Insurance benefit and not the full cost of the Non-Insurance benefit availed
Sample Personas
 Flex Plan: Persona 1
Gen Z is looking for:
I am a young college graduate and have
recently joined Cyient Physical and Financial Dependent Sibling
Upskilling and Development
Wellness Pet Wellness

Age 22
Proposed Cyient BeneFlex Plan
Employee + Dependent Sibling + a Pet
Family Cyient’s ESC Plan INR 5,310
Dog
Contribution Parental Plan (if opted) 50% premium for INR 2L
• Taking Care of themselves and a pet
• Saving for higher education and Flex Wallet Additional Flex Points 1,000
Concerns
upskilling
Employee’s share
• New to work force Spending Avenues
of the plan cost
Current Cyient Cover GMC E Only- 2L INR 3,422
Insurance Benefits
Coverage SI (can be purchased using Flex
points or Salary contribution) Health Plus Sibling cover INR 4,956
GMC Plan INR 200,000 (ESC)

Parental Coverage Voluntary Parental Plan

Non Insurance Benefits
(Can only be utilized as a Non Insurance Pet Care INR 1,000
GPA Plan Default cover (as per grade)
reimbursement)
• No option to remove spouse and child from cover
• No additional health / wellness plans purchase/ cover for pet Salary Deduction 8,378

Note:
1. E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law
2. All premiums are inclusive of GST
3. Non-Insurance Benefits like Pet Care are not provided with a particular vendor. Employee can choose from the retail market and get it reimbursed with the balance flex points in the flex wallet
4. Dependent children above 21 years of age are covered only if they are unmarried, non-earning & financially dependent on their parent (Employee).
 Flex Plan: Persona 2

Young Millennial is looking for:

I am a young millennial employee Learning and Physical and Mental Health and financial support to take
Development wellness care of ageing parents

Proposed Cyient BeneFlex Plan

Age 27
Cyient’s ESC Plan INR 5,310
Family Employee + Parents Contribution Parental Plan (if opted) 50% premium for INR 2L
• Focussed on career growth Flex Wallet Additional Flex Points 1,000
Concerns
• Taking care of my parents and myself
Employee’s
Current Cyient Cover Spending Avenues share of the plan
cost
Coverage SI
Insurance Benefits • ESC: E only – 2L
GMC Plan INR 200,000 (ESC) INR 3,422
(can be purchased using Flex GMC • Parental Option:
INR 11,505
points or Salary contribution) INR 400,000 (2P)
Parental Coverage Voluntary Parental Plan
• Wearable Health
Non Insurance Benefits
GPA Plan Default cover (as per grade) Non Device INR 500
(Can only be utilized as a
Insurance • Online Subscription INR 500
reimbursement)
• No option to remove spouse and child from cover of courses
• No additional health / wellness plans purchase
Salary Deduction 14,927
Note:
1. E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law
2. All premiums are inclusive of GST
3. Dependent children above 21 years of age are covered only if they are unmarried, non-earning & financially dependent on their parent (Employee).
 Flex Plan: Persona 3

New expectant mother is looking for:

I am a women employee starting a Short & Long Term
family Baby’s Wellness Her own wellness security and wellbeing of
her family

Age 35 Proposed Cyient BeneFlex Plan

Family Employee + Spouse + Expecting a baby Cyient’s ESC Plan INR 5,310
Contribution Parental Plan (if opted) 50% premium for INR 2L
• Settled in Career
• Expecting a Baby Flex Wallet Additional Flex Points 1,000
Concerns
• Focussed on giving myself and the
Employee’s
baby best care
Spending Avenues share of the
Current Cyient Cover plan cost
• GMC: INR 700,000
Coverage SI Insurance Benefits (ESC) INR 12,344
GMC
(can be purchased using • Parental Option: INR INR 27,509
GMC Plan INR 200,000 (ESC) Flex points or Salary 500,000 (2P+ 2 PIL)
contribution)
Health Plus • Pregnancy Care Plan INR 2,500
Parental Coverage Voluntary Parental Plan
Non Insurance Benefits
Non Financial Planning
(Can only be utilized as a INR 1,000
GPA Plan Default cover (as per grade) Insurance Assistance
reimbursement)

Salary Deduction 42,353

Note:
1. E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law
2. All premiums are inclusive of GST
3. Dependent children above 21 years of age are covered only if they are unmarried, non-earning & financially dependent on their parent (Employee).
 Flex Plan: Persona 4

Gen X is looking for :

I am a Gen X employee in need of
Wellness of all family Children education &
covering a 3rd or 4th child Long Term Security
members development

Age 48
Proposed Cyient BeneFlex Plan
Family Employee + Spouse + Parents + Children
Cyient’s ESC Plan INR 5,310
• Taking care of parents
• Worried about long term security of the Contribution Parental Plan (if opted) 50% premium for INR 2L
Concerns family
• Children education and personal Flex Wallet Additional Flex Points 1,000
development
Employee’s share of
Spending Avenues
Current Cyient Cover the plan cost

Coverage SI
• GMC: INR
GMC INR 17,023
GMC Plan INR 200,000 (ESC) Insurance Benefits 1,200,000 (ESC)
(can be purchased using Flex
points or Salary contribution)
Parental Coverage Voluntary Parental Plan Health
• Children Care Plan INR 11,446
Plus

GPA Plan Default cover (as per grade) Salary Deduction 28,469

Note:
1. E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law
2. All premiums are inclusive of GST
3. Dependent children above 21 years of age are covered only if they are unmarried, non-earning & financially dependent on their parent (Employee).
 Flex Plan: Persona 5

Baby Boomer is looking for :

Wellness of herself and Financial & Retirement

Hobbies & Retirement
I am a Baby Boomer Employee spouse Planning

Proposed Cyient BeneFlex Plan

Age 53
Cyient’s ESC Plan INR 5,310
Family Employee + Spouse
Contribution Parental Plan (if opted) 50% premium for INR 2L
• Settled in Career
Concerns • Worried about long term security of Flex Wallet Additional Flex Points 1,000
the family
Employee’s share
Spending Avenues
Current Cyient Cover of the plan cost

Coverage SI
• GMC: INR 1,700,000
GMC INR 17,621
GMC Plan INR 200,000 (ESC) Insurance Benefits (ES)
(can be purchased using Flex
Parental Coverage Voluntary Parental Plan points or Salary contribution)
Additional • OPD INR 7,079
Plan • CI Plan INR 6,962
GPA Plan Default cover (as per grade)
Salary Deduction 31,662
Note:
1. E = Employee, S= Spouse, C = Child, P = Parents, PIL= Parents-in-law
2. All premiums are inclusive of GST
3. Dependent children above 21 years of age are covered only if they are unmarried, non-earning & financially dependent on their parent (Employee).
Enrolment on
BenefitsYou Portal
 When can I enrol myself?
Policy Period: April 1st, 2023 to March 31st 2024

At the time of Annual Enrolment At the time of Life Events New Employee/Joinee

• On April 28th 2023 , Cyient BeneFlex
Plan will open to allow you to select the
benefits that best suit your current
circumstances.
• The enrollment window is from 28th April
2023- 10th May 2023.
• The choices made by you would be
effective for the policy period starting April
1st, 2023 to March 31st, 2024.
• If you’ve just got married, changed your
marital status or had a baby, you may
wish to change your benefits to allow for
the change in your circumstances.
• You should update the details on
BenefitsYou and inform Marsh within 30
days of the event.
• You have the option of selecting your
benefits plan.
• You will receive a welcome mail to
complete your enrolment.
• If you don’t make your benefit selection
within the stipulated time then you’ll be
auto-enrolled to “Default” health plan
cover of ESC INR 200,000.

You must enter dependent information of family If you do not enrol for benefits during annual enrolment
members you wish to cover in 2023-24 on BenefitsYou, • You will be automatically enrolled in the default level for each benefit.

else your current dependent information will be • You will not be able to make any changes to these elections mid term of the
carried forward for the new plan year. policy year, unless you experience an eligible life event change.
Contact Details
TPA : Family Health Plan Insurance TPA LImited

SPOC Details

Mr. Mahesh Saganti

+ 91 9154386650
mahesh.saganti@fhpl.net

Escalation Points (All Locations)

Level - 1 Level - 2
Mr. Ravi Kumar | + 91 7799580123 Mr. NN Murthy| +91 8977526886
Ravi.kumar@fhpl.net nn.murthy@fhpl.net

Insurance Broker: Marsh India Insurance Broker

Escalation - 1 Escalation - 2 Escalation - 3

Mr. Gopi Srikanth Mr. Purna Chand Ms. Anjali Agarwal
+91 8976708677 +91 8008888824 +91 9966200636
Gopi.Srikanth@marsh.com Purna.Emmadi@marsh.com anjali.agarwal@marsh.com

In case of any query related to Enrolment / BenefitsYou portal, please write to us at cyient.beneflex@marsh.com
Annexure
Rate Chart

Plan 1: ESC Policy

Employee cost after reducing Cyient contribution of INR 5,310 per family
Family
200,000 300,000 500,000 700,000 1,000,000 1,200,000 1,700,000 2,200,000 2,500,000
Combination
E Only 3422 4295 5736 6840 8664 10061 12366 14134 16078
ES/EC 6018 7151 9020 10452 12817 14630 17621 19914 22437
E + S +2 Kids 7377 8646 10739 12344 14993 17023 20373 22942 25766

Plan 2: Parental Policy

Employee cost after reducing Cyient contribution 50% premium for INR 2L Sum Insured
Family
200,000 300,000 400,000 500,000 700,000 1,000,000 1,200,000 1,700,000 2,200,000 2,500,000
Combination
1P 5753 5836 6377 8803 10986 13497 17346 24739 34496 42546
2P 9145 10399 11505 15635 19352 23627 30181 38046 47484 58810
3P 10623 14021 20057 26193 31715 38066 47804 59489 73512 90339
4P 13279 16996 20711 27509 33628 40664 51452 64397 79933 98576