M And V Marketing And Sales Private Limited

Employee Benefit Insurance

 Group Personal Accident Insurance

Employee Benefit Policy 2

 Policy Details
All employees will be provided with a Personal Accident insurance policy through Aditya Birla Health Insurance based on company rules
(you may contact your HR for further details). This insurance provides compensation/payment up to a financial limit as assigned by the
company, to the insured person or his legal personal representative, if the insured person suffers death or disablement due to an
accident. The cover is worldwide but payment of claim can only be made in India and in Indian Rupees.

Policy Parameters
Insurer Aditya Birla Health Insurance

Policy Start Date 03th Nov 2022

Policy End Date 02h Nov 2023
Sum Insured Graded

Coverage Details
Accidental Death Covered (100% of Sum Insured)
Permanent Total Disablement Covered
Permanent Partial Disability Covered
Temporary Total Disability Weekly benefit limited to 1% of CSI per week or INR 5000/- week for a
maximum of 104 weeks or actual weekly.
Funeral Expenses Covered upto Rs. 10000.0

Medical Expenses The max amount payable shall be 40% of the valid personal Accident claim
amount or 20% of
the relevant sum insured or actual claims whichever is less subject to
maximum of Rs 5,00,000/-
Employee Benefit
Repatriation Policy
of Mortal Remains Covered upto Rs. 10000.0 3

Education Fund for Children Covered Rs. 20000.0 per child (Restricted to 2 Children)
 Exclusions
1. Service on duty with any armed force & Professional activities of military personnel .
2. Insanity
3. Venereal disease
4. AIDS
5. Influence of intoxicating drink or drugs
6. Aviation other than as a passenger (fare paying or otherwise) in any duly licensed standard type
of aircraft any where in the world
7. Nuclear radiation or nuclear weapons material
8. Any consequence of war, invasion, act of foreign enemy, hostilities (whether war be declared or
not), civil war, rebellion, revolution, insurrection, mutiny, military, or usurped power, seizure,
capture, arrest,, restraint, detainment’s of all kings, princes, and people of whatever nation,
conditions and qualities so ever
9. Childbirth, pregnancy or other physical causes peculiar to the female sex
10. While committing any breach of law with criminal intent
11. Injury caused by surgery.
12. Offshore activities
13. Accidental Death or Permanent Disablement due to pregnancy or childbirth .
14. Insect / mosquito bite .
15. Terrorism due to nuclear / chemical / biological risk.
16. Adventure sports, Epidemic / Pandemic & War.

Employee Benefit Policy 4

 Document Check list

Dismemberment/
Weekly Benefit Claims Death Claims Disablement Claims

1. Completed Claim form

2. Doctor's Report 1. Completed claim form 1. Completed claim form
3. Disability Certificate from the 2. Attending Doctor's report 2. Doctor's Report
Doctor, if any 3. Death Certificate 3. Disability Certificate from the
4. Investigation/ Lab reports (x- 4. Post Mortem/ Coroner's report Doctor
ray etc.) 5. FIR ( First Information Report) 4. Investigation/ Lab reports (x-
5. Original Admission/discharge 6. Police Inquest report, wherever ray etc.)
card, if hospitalized applicable 5. Original Admission/ discharge
6. Employers Leave Certificate & card, if hospitalized.
Details of salary 6. Police Inquest report,
wherever applicable

Employee Benefit Policy 5

 Communication Matrix

Emedlife Insurance Broking Services Limited

• Point of Contact 1
• Name: Rajan Jha
• Mob Number: 7290010659
• Mail ID: rajan_jha@emedlife.in

• Point of Contact 2
• Name: Saurabh Yadav
• Mob Number: 8826823334
• Maid ID:saurabh_yadav@emedlife.in

• Escalation:
• Name: Manu Sharma
• Designation: AVP-Client Servicing
Employee Benefit Policy 6

• Mail ID: manu_sharma@emedlife.in

Thank you