Group Mediclaim Policy - Refresher

(Policy period 28th March 2018 till 27th March 2019)

Insurer – New India

Enrolment
• Insurance enrolment summary can be accessed from below link
http://portals-
asp.bcg.com/sites/indiafinance/connect/Shared%20Documents/confirmation_summary.aspx

• Addition of Dependents (spouse, children) should be intimated within 30 days. Insurer is liable to reject
any claims of dependents for whom intimation is not received within the 30 day timeline

Key features of our Group Mediclaim policy – Covers Self, Spouse and Children:
• Family floater cover of Rs. 15 Lacs
• Pre Existing illnesses covered from day 1
• Room rent - Restricted to Single Private Room category
• Maternity limit of Rs. 1.5 Lacs
• Annual Health checkup - Rs. 6,000 per person
• 60 days pre and 90 days post hospitalization expenses covered
• Dental cover upto Rs. 75,000 per family
• Vision Care cover upto Rs. 10,000 per family (1 Frame / 1 pair of lenses per year)
• Infertility, Obesity treatment covered
• Advanced imaging like MRI, CT angiography covered upto Rs. 10,000 p.a. per family
• Accident / Injury treatment covered in OPD

Documents for Health Checkup Claim

• Claim form – format attached (Part A)
• Copies of checkup reports
• Original bill / numbered payment receipt
• Copy of cancelled cheque

Documents for Vision Care / Dental OPD (Should be Non-cosmetic in nature) Claim
• Claim form – format attached (Part A)
• Doctor’s certificate or computerized test report which mention the vision number.
• Dentist’s certificate on letter head mentioning the detailed line of treatment given
• Dental Xray – If any
• Original bill / numbered payment receipt
• Copy of cancelled cheque

Claim process:
• All claims should be submitted within 15 days of incurring the expense.
• Claims received post 15 days will be rejected
• Send all claim documents to the BCG Mumbai office addressed to: BCG India Payroll, Mumbai office

Name Department Contact Email

Amit Jethava Cashless & +91 99207 Health@bisonline.in
Reimbursement 80645
Management
Ashish Bhatia Complaints / +91 98201 ashish.b.bhatia@gmail.com
Escalations – Level 1 57934
 BCG Parents / In-laws Mediclaim Policy – Refresher
This is a self-sponsored scheme – Employee bears the premium
Insurer – New India

Enrolment
• Insurance enrolment summary can be accessed from below link
http://portals-
asp.bcg.com/sites/indiafinance/connect/Shared%20Documents/confirmation_summary.aspx

• For fresh enrolment please contact Payroll team

Key features of BCG Parents / In-Laws Mediclaim policy

• Family floater cover available ranging from 5 lacs to 1 Crore
• Pre Existing illnesses - Fully covered after 6 months. In first 6 months, coverage is restricted to 75% of
premium paid
• Room rent - Restricted to Single Private Room category
• Annual Health checkup - Rs. 6,000 per person
• 30 days pre and 60 days post hospitalization expenses covered
• Dental cover upto 5% of sum insured per family
• Vision Care - Not applicable
• Increase/Decrease in Sum insured possible during renewal only assuming No claim made in previous year

Increase in premium due to claims:

• Loading is applicable on renewal as per chart shared by New India

Termination of Cover / portability

• Mandatory renewal - Policy cannot be terminated during tenure with BCG
• Fully portable - Post exit from BCG, employee can continue cover

Claims process:
• Same as Group mediclaim policy– refer above
 BCG International Mediclaim Policy – Refresher
This is a self-sponsored scheme – Employee bears the premium
Insurer – CIGNA TTK

Enrolment
• Insurance enrolment summary can be accessed from below link
http://portals-
asp.bcg.com/sites/indiafinance/connect/Shared%20Documents/confirmation_summary.aspx

• For fresh enrolment please contact Payroll team

Key features of BCG International Mediclaim policy

• Individual cover of Rs. 9 Crore
• 2 coverage options
o Worldwide Including USA
o Worldwide excluding USA
• Pre Existing illnesses
o Covered from Day 1 in WW Excluding USA
o Covered after 48 months in WW including USA
• Room rent - Restricted to Single Private Room category
• Deductible – Rs. 1.2 lacs – expenses above this limit are only payable under this policy
• Refer CIGNA policy summary deck for details

Loading of premium due to high claims:

• Loading is applicable on renewal as per renewal process of CIGNA

Termination of Cover / portability

• Mandatory renewal - Policy cannot be terminated during tenure with BCG
• Portability - Post exit from BCG, employee has option to purchase CGHO plan from CIGNA office in
Singapore / UK

Claims process:
• Refer CIGNA policy summary deck for details