Group Health Policies for Corporate Members of Institution of Engineers (India) -

Salient Features of Coverage

1. Sum Insured -Rs 3,00,000 / 5,00,000 / 7,50,000 / 10,00,000

2. Family Combinations- 1A, 2A, 2A1C, 2A2C
3. Type of Policy - Family Floater ( Self+ Spouse+ 2 Children's)
4. Policy Period- 1 Year
5. Room Rent - 1.5% of Floater Sum Insured
6. ICU Charges- Actuals
7. 7.No Pre- Insurance Medical Check Ups Required for Engineers upto 65 Years of Age
8. For Engineers above 65 years of age, Pre- Insurance Medical Check-up is mandatory. Cost to
be borne by Engineers.
9. Pre-Hospitalization- 30 Days
10. Post Hospitalizations- 90 Days
11. Pan India Panel of Hospitals Cashless Treatment in more than 10,000 Hospitals in India
12. Day Care Treatment Covered
13. Pre-Existing Disease Waiting Period- 12 Months up to 65 Years of Age as against 3 Years/4 years
applicable in individual Policies of all Insurance Companies in India
14. Pre-Existing Disease Waiting Period- 24 Months for Age Band above 65 till 80 Years of Age as
against 4 years applicable in individual Policies of all Insurance Companies in India
15. Specific Disease Waiting Period - 1 Year
16. Initial Waiting Period on Entry to Scheme- 30 Days except for Accident cases.
17. Maternity Benefits Rs 75,000 (for Caesarean & Normal). This is subject to 12 Months Waiting
Period
18. New Born Cover after 90 Days
19. Medical Advancement Cover- upto 50 % of Sum Insurance
20. Cataract- Upto 50 % of Sum Insurance subject to maximum Rs 1 Lac
21. Road Ambulance Per Hospitalization- Rs 2500
22. Air Ambulance Per Policy Period- Rs 50,000
23. Ayush Treatment- Upto 25 % of Sum Insurance
24. Health Card entitling Engineers to discounts in Pharmacy Stores and Diagnostic Centres
25. Proportionate Reduction - Proportionate Deduction applicable on Room Rent if Room availed is
of higher than entitled amount.
26. Income Tax Benefit under Section 80 D.
27. On -Line Premium Payment and On-Line Policy.
28. Online Income Tax Certificate.
29. Dedicated Servicing Team of the service provider to assist in Claims on 24x7x365 Basis