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FAQs for Medi-claim Insurance - Top Up Option Who are covered under top up policy?

What are additional top up limits? What is the cost of the top up cover? Will the top up cover have the same terms and conditions of Base policy? When does the top up cover get triggered? Who is the administrator for the claims, process and settlements? Can I enroll in the middle of the policy period? When parental cover triggers in Top up policy? Can I withdraw after exercising the option for top up? What happens in case I cease to be an employee of Infotech? 1 Who are covered under top up policy? This top up cover will be applicable to !ssociates and their family members who have already registered under current Infotech "edi# claim $olicy % What are additional top up limits? &labs of coverage' 1 () or *) additional top#up cover * What is the cost of the top up cover? Table below shows the costs employee has to pay towards top up cover The indicated amount will be recovered in this month+s salary $lease note these are indicative rates assuming 1,- of associates enrol for this If the enrolment rate is lower we will intimate you the revised premium
Current coverage 1 ( )a.h Top#/p amount 0 &ingle premium 1s % () *,) 1234 125% * , )a.h Top#/p amount 0 &ingle premium 1s %131 %1*(

5 Will the top up cover have the same terms and conditions of Base policy? Top up cover will also have same T6C as the base cover (,- cover for parents with %,- co#pay, room rent limit etc !ll terms applicable to existing insurance is valid for top up cover ( When does the top up cover get triggered? Top up cover applicable only after completion of limit or sub limit under base cover 7or example' 8!9 is covered under 1s %,(,,,,, : top up cover of 1,(,,,,, 7or !+s parents hospitali;ation claim of 1s %,(,,,,,<# he<she can claim 1s 1,,,,,,, under base policy =being (,- of base cover for parent, %,- co payment> 1s ?,,,,, under top up cover =being (,- of top up cover for parent, %,- co#payment> If the above claim was for a child or spouse it would be paid up to 5,,,,,,,<# sub@ect to room rent and other eligible terms $lease note that Top up claims are normally settled only through reimbursements and not cash less

? Who is the administrator for the claims process and settlements? The claims of top up cover will also be managed by same T$! i e 7A$) 2 Can I enroll in the middle of the policy period Bo, the enrolment option is open only for 1 wee. i e up to 1( th Bov %,1*

4 When parental cover triggers in Top up policy?

The Top up will trigger if the parents &um Insured is exhausted under the base policy It will be considered in the same percentage as the base mediclaim policy ie (,- Top up enrolled is available for parental coverge sub@ect to %,- co pay and other terms of the base policy

3 Can I withdraw after exercising the option for top up? Bo, as the premium is not refundable, you cannot withdraw from top up cover once you enroll for it

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What happens in case I cease to be an employee of Infotech?

In case you separate from the company during the coverage period you have following facilities' a> In case the leaving employee @oins another company with a group "edi#claim $olicy, this Top up cover will operate in excess of the limits of the Croup "edi#claim of the new company b> In case the leaving employee does not @oin any company , there could be two scenarios a> If he holds a personal "edi#claim $olicy # In this case, the top up cover will operate in excess of the sum insured under his personal policy b> In case he does not hold any personal "edi #claim policy 0 in this case the top up cover will apply in excess of the sum insured which he used to en@oy under the Infotech C"C