Salesforce

Frequently Asked Question

Confidential Document

The information contained here is only a summary of the employee benefit insurance policy documents which are kept by Salesforce. If there is a
conflict in interpretation, then the terms & conditions of the applicable policy document will prevail.

1. When does my coverage begin under the “Salesforce Flexible Benefits” plan?
If you are an existing employee, your coverage will begin on 1st August 2020. If you are a new hire
enrolling in 2020-21 your coverage will begin from your date of joining Salesforce.

2. What are my default benefits this year?

Default benefits are those benefits that are provided to you at the start of the policy and were
available to you last year. Salesforce would like each of its employees to have adequate or minimum
coverage so that you are adequately covered for any emergency – Medical, Accident, or Life. These
benefits are fully sponsored by Salesforce.

Benefit Type Default Plan (same as last year coverage)

• 3 times Annual Base Salary

Term Life Insurance • Critical Illness Rider cover – capped at INR
10,00,000

Personal Accident Insurance • 3 times Annual Base Salary

• Family Floater cover for Employee, Spouse, 2

Children and 2 parents/parents-in-law for INR
Medical Insurance 700,000 family floater sum insured
• OPD cover/ health check

Dental and Vision Fund • INR 15,000 on reimbursement

3. What is the new benefits structure at Salesforce?

You can select the benefits that you think are most relevant to your family’s needs.

Salesforce will continue to provide the same level of benefits as last year (default benefits) with
more choices for you to select from. However, you can choose to change your benefits starting this
year 2020-21 as per your requirements.

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 4. What do flexible benefits mean for me ?
Salesforce will continue to cover yourself, spouse, 2 children and 2 parents/parents-in-law for INR
700,000 on family floater sum insured. There is no change in the default coverages. As per
Salesforce benefit’s philosophy, we want to provide you with more choice so that you can
customize your benefits plan according to you and your family needs
You should review your individual need and change your benefits according to following factors.

• Family structure
• Health needs
• Current Lifestyle
• Stage of life
• Upcoming event in the family

5. When do I enroll in the Flexible benefits?

You can enroll in the Salesforce Flexible Benefits Plan during the enrollment window based on the
below table:
During enrollment, you can choose the benefits that suit your needs the best.

Existing employees New Employees

Benefits options need to be selected
during the annual enrollment
window during July 2020.
Declaration of dependents is mandatory by the
employees. Post joining Salesforce, the employee will
receive an email to select their benefits choice and declare
their dependents. In case no declaration is made the
employee will be covered under the default plan.

6. Will I receive confirmation of my benefit selections once I have enrolled?

Yes, upon completion of your enrollment on the Benefex portal, you can print a copy of your
selections as a confirmation statement for your records. An email summarizing your benefit
selection will be sent to you at the end of the Enrollment Period. If you do not receive the benefit
summary, then this means that your enrollment is not complete. Please register your query/issue
on benefex immediately.

7. I have completed my enrollment before the enrollment window closure, and I have
time left in my enrollment period can I make further changes to my benefits?

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Yes, you can choose to change your benefits option till the end of the window period. However, post
the enrollment window is closed no further changes will be allowed. Hence, we urge you to be
prudent in your benefits selection.
8. Can I make changes in my plans once the enrollment window is closed?
Once you have made your enrollment choices, the only opportunity you get is to add additional
dependents during life events such as marriage, childbirth, adoption, divorce etc. You cannot make
any changes to your coverages during the current plan year. Selections made during enrollment are
effective for the current plan year.

9. What happens if I forget to make changes during the enrollment?

In case you miss out the benefits selection during the enrollment process, you will be enrolled in
the Default cover. There will not be any benefit/ dependent changes possible mid-year unless there
is a life event.
We strongly urge you to enroll your dependents, make your benefits selections and validate the
details provided by you. Please note in case you miss out this opportunity to select your benefits
and enroll your dependents, there will be no change possible mid-year on any of the benefit
options.
Hence, you are requested to be prudent and make your selection during the enrollment process.

10. How does the flexible benefits choice and selection work?

Salesforce is committed to providing all its employee’s industry leading benefits and
enhancements by giving choice.
You will be provided with many choices of benefits which can change your benefits selection in
terms of coverage. Each choice has an INR value that will accumulate based on your choices.
You are provided with the fixed flex fund value that is required to select default level cover by
Salesforce.
The total selection cost payable will be first charged to Salesforce provided flex fund value and any
balance left over will be deducted from salary over 3 salary cycles

11. What is the flexible benefits fund value for your benefits?
Following table illustrates the flex fund value for the default coverage

Benefits Flexible Benefit Fund

Medical Insurance INR 700,000 sum insured for the coverage of
you, spouse,2 children,2 parents/parents-in-
law
Personal Accident Value equal to 3X annual base pay

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 Life Insurance Value equal to 3X annual base pay
INR 10,00,000 critical illness cover
OPD benefit INR 15000

12. How much flexible benefits fund do I have in the 2020-21 policy?
The flex points for the 2020-21 policy are

Benefits Flexible Benefit Fund

Medical Insurance Cost of Medical Insurance @INR 700,000 for ESCP
Personal Accident Cost of 3X annual base pay
Life Insurance Cost of 3X annual base pay

13. I have purchased benefits that have exceeded the flexible benefits fund available.
How will this work?
You can purchase any of the benefits that are available on the Benefex portal based on your
eligibility. These benefits can be any combination of medical benefits, enhanced buckets, Insurance
Add-on benefits, life insurance benefits, and accident plans. If you have exceeded the available
flexible benefits fund, the additional amount will be deducted from your monthly payroll in 3 equal
installments.

14. I have selected lower benefits compared to my default coverage. I have additional
flexible benefit fund which is unutilized. What can I do with this balance fund?
The un-utilized flexible benefit fund will lapse at the end of the policy period. Hence, it is
recommended that you utilize your complete flexible benefit fund to buy benefits that are relevant
to you and your family.

15. What are the tax implications for my contribution?

You can avail tax exemption as per I.T act Under Section – 80 D for additional amount paid from
your salary towards Medical and Term life insurance benefits.
16. What is the meaning of Portability? Can I port my corporate policy to a retail policy?

Portability is the option which allows you to transfer your corporate policy to a retail policy. The
terms and conditions of the retail policy will be based on the plan shared by the insurance
company. You will be able to avail the time bound exclusion waiver from your corporate policy to
your retail policy e.g. if you have been continuously covered in the Salesforce corporate policy for 2
years, then you will be able to avail the 2 year waiver on the time bound exclusion on your retail
policy. The premium will be directly payable to the insurance company and salesforce will not be
liable for any benefit or premium negotiation.

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Yes, Salesforce allows you to port your corporate policy to retail policy.

17. What happens to my contribution if I leave Salesforce in the middle of the benefits
plan year?
If you or any of your enrolled dependents have not made any claims during the plan year, your
contribution will be refunded on a pro-rata basis with your F&F. If you or your dependent has made
a claim, then there is no refund.
Additionally, you will have the flexibility to convert your existing plans to retail plan and pay the
retail premium to the insurer directly. The benefits of the retail plan will be as per the retail policy
details of the insurance company and not as per the Salesforce corporate policy.

pg. 5
 Annexure
Health checkup list
1.Platinum Package (Health Check-up Packages)

Salesforce - Annual Health Check Package

Super Platinum - Female (With
Service Super Platinum – Male Super Platinum Female
Mammography) above 45 years
OPHTHALMOLOGIST OPHTHALMOLOGIST OPHTHALMOLOGIST
DIETICIAN DIETICIAN DIETICIAN
Consultation
CARDIOLOGIST CARDIOLOGIST CARDIOLOGIST
GENERAL PHYSICIAN GYNECOLOGIST GYNECOLOGIST
Cardiac TREADMILL TEST TREADMILL TEST TREADMILL TEST
Evaluation ECG ECG ECG
COMPLETE BLOOD COMPLETE BLOOD
General
COUNT(CBC) COUNT(CBC) COMPLETE BLOOD COUNT(CBC)
Blood
ESR ESR ESR
Evaluation
ABO GROUP & RH TYPE ABO GROUP & RH TYPE ABO GROUP & RH TYPE
S BILIRUBIN S BILIRUBIN
(TOTAL/DIRECT) (TOTAL/DIRECT) S BILIRUBIN (TOTAL/DIRECT)
SGPT SGPT SGPT
SGOT SGOT SGOT
Liver
GGT GGT GGT
Function
ALKALINE
ALKALINE PHOSPHATASE PHOSPHATASE ALKALINE PHOSPHATASE
TOTAL PROTIEN TOTAL PROTIEN TOTAL PROTIEN
ALBUMIN:GLOBULIN ALBUMIN:GLOBULIN ALBUMIN:GLOBULIN
Diabetes
Screening HBA1c HBA1c HBA1c
CREATININE CREATININE CREATININE
Renal
BLOOD UREA
Function
BLOOD UREA NITROGEN NITROGEN BLOOD UREA NITROGEN
Test
URIC ACID URIC ACID URIC ACID
Cancer
Screening PSA TITRE PAP SMEAR PAP SMEAR
CHOLESTEROL CHOLESTEROL CHOLESTEROL
LDL LDL LDL
Lipid Profile HDL HDL HDL
TRIGLYCERIDES TRIGLYCERIDES TRIGLYCERIDES
VLDL VLDL VLDL
Infection URINE ROUTINE URINE ROUTINE URINE ROUTINE
Screening STOOL ROUTINE STOOL ROUTINE STOOL ROUTINE
Hormones T3,T4,TSH T3,T4,TSH T3,T4,TSH
Radiology XRAY – CHEST XRAY – CHEST XRAY – CHEST

pg. 6
 ULTRASOUND
ULTRASOUND ABDOMEN ABDOMEN ULTRASOUND ABDOMEN
MAMMOGRAPHY
Lung
Function LUNG FUNCTION TEST LUNG FUNCTION TEST LUNG FUNCTION TEST
Vitamin Vitamin B12 Vitamin B12 Vitamin B12
Screening Vitamin D Vitamin D Vitamin D

2. Family Buy health check up packages

Male - Comprehensive Female- Comprehensive Preventive Child

Service Package Package Package
OPHTHALMOLOGIST OPHTHALMOLOGIST OPHTHALMOLOGIST
DIETICIAN DIETICIAN DIETICIAN
Consultation CARDIOLOGIST CARDIOLOGIST DENTAL
GENERAL PHYSICIAN /
GENERAL PHYSICIAN GYNECOLOGIST PEADIATRICIAN
TREADMILL TEST TREADMILL TEST
Cardiac Evaluation
ECG ECG
COMPLETE BLOOD COMPLETE BLOOD COMPLETE BLOOD
General Blood COUNT(CBC) COUNT(CBC) COUNT(CBC)
Evaluation ESR ESR ESR
ABO GROUP & RH TYPE ABO GROUP & RH TYPE ABO GROUP & RH TYPE
S BILIRUBIN S BILIRUBIN S BILIRUBIN
(TOTAL/DIRECT) (TOTAL/DIRECT) (TOTAL/DIRECT)
SGPT SGPT SGPT
SGOT SGOT SGOT
Liver Function
GGT GGT GGT
ALKALINE PHOSPHATASE ALKALINE PHOSPHATASE ALKALINE PHOSPHATASE
TOTAL PROTIEN TOTAL PROTIEN TOTAL PROTIEN
ALBUMIN:GLOBULIN ALBUMIN:GLOBULIN
Diabetes Screening HBA1c HBA1c
CREATININE CREATININE
Renal Function Test BLOOD UREA NITROGEN BLOOD UREA NITROGEN
URIC ACID URIC ACID
Cancer Screening PSA TITRE PAP SMEAR
Lipid Profile CHOLESTEROL CHOLESTEROL

pg. 7
 LDL LDL
HDL HDL
TRIGLYCERIDES TRIGLYCERIDES
VLDL VLDL
URINE ROUTINE URINE ROUTINE URINE ROUTINE
Infection Screening
STOOL ROUTINE STOOL ROUTINE STOOL ROUTINE
Hormones T3,T4,TSH T3,T4,TSH
XRAY – CHEST XRAY – CHEST
Radiology ULTRASOUND ABDOMEN ULTRASOUND ABDOMEN
MAMMOGRAPHY
Lung Function LUNG FUNCTION TEST LUNG FUNCTION TEST
Vitamin B12 Vitamin B12
Vitamin Screening
Vitamin D Vitamin D

3. Child Care plan

Service Preventive Child Package

OPHTHALMOLOGIST
DIETICIAN
Consultation
DENTAL
GENERAL PHYSICIAN / PEADIATRICIAN
COMPLETE BLOOD COUNT(CBC)
General Blood Evaluation ESR
ABO GROUP & RH TYPE
S BILIRUBIN (TOTAL/DIRECT)
SGPT
SGOT
Liver Function
GGT
ALKALINE PHOSPHATASE
TOTAL PROTIEN
URINE ROUTINE
Infection Screening
STOOL ROUTINE

pg. 8
4. Elderly Care Package

Service Elderly Male Package Elderly Female Package

OPHTHALMOLOGIST OPHTHALMOLOGIST
DENTAL DENTAL
CARDIOLOGIST CARDIOLOGIST
Consultation
ENT ENT
GENERAL PHYSICIAN GENERAL PHYSICIAN
GYNECOLOGIST
TREADMILL TEST / 2 D ECHO TREADMILL TEST / 2 D ECHO
Cardiac Evaluation
ECG ECG
COMPLETE BLOOD
COUNT(CBC) COMPLETE BLOOD COUNT(CBC)
General Blood Evaluation
ESR ESR
ABO GROUP & RH TYPE ABO GROUP & RH TYPE
S BILIRUBIN (TOTAL/DIRECT) S BILIRUBIN (TOTAL/DIRECT)
SGPT SGPT
SGOT SGOT
Liver Function GGT GGT
ALKALINE PHOSPHATASE ALKALINE PHOSPHATASE
TOTAL PROTIEN TOTAL PROTIEN
ALBUMIN:GLOBULIN ALBUMIN:GLOBULIN
HBA1c HBA1c
Diabetes Screening
FASTING BLOOD SUGAR FASTING BLOOD SUGAR
CREATININE CREATININE
Renal Function Test BLOOD UREA NITROGEN BLOOD UREA NITROGEN
URIC ACID URIC ACID
Cancer Screening PSA TITRE PAP SMEAR
CHOLESTEROL CHOLESTEROL
LDL LDL
HDL HDL
Lipid Profile
TRIGLYCERIDES TRIGLYCERIDES
VLDL VLDL
Apo/Lipo Protein Apo/Lipo Protein
URINE ROUTINE URINE ROUTINE
Infection Screening
STOOL ROUTINE STOOL ROUTINE
Hormones T3,T4,TSH T3,T4,TSH
XRAY – CHEST XRAY – CHEST
Radiology ULTRASOUND ABDOMEN ULTRASOUND ABDOMEN
MAMMOGRAPHY

pg. 9
Lung Function LUNG FUNCTION TEST LUNG FUNCTION TEST
Vitamin B12 Vitamin B12
Vitamin D 25 Hydroxy Vitamin D 25 Hydroxy
Serum Iron Serum Iron
Vitamin / Mineral Screening Calcium Calcium
Phosphorus Phosphorus
Electrolytes Electrolytes
BMD - Knee BMD - Knee

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