Employee

Benefit
Manual
2021-2022
 Employee Benefits Manual – Medical Insurance

This manual has details of insurance coverage to UST employees and dependents
UST Medical for expenses related to hospitalization due to illness, disease or injury.
Insurance
The manual covers the following:

• What’s New/Enhanced this year – Employee and Dependents

• Coverage Details For Employee Base Policy

• Maternity Benefits For Employee Base Policy

• Top Up Employee Policy

 What’s New/Enhanced – Employee and Dependents

• Co-Pay reduction by 5% for all categories

• Home care treatment package for COVID – Up to INR 5,000 per member and INR
10,000 per family.

• Zero Co-Pay for COVID claims

• ICU charges cover doubled for COVID hospitalisation

• Introduced Non-Medical Expense (NME) coverage for COVID hospitalisation up

to INR 40,000 per family

• Room Rent eligibility for employees increased to 150% for those who avail Top Up
of 10 Lakh INR at Subsidised Premium of INR 3406 + Taxes

• Enhance your Family Policy up to 24 Lakhs SI with subsidised premium from

ranging from INR 1175 to INR 7635

• Introduced New Top Up options of 15 Lakh and 20 Lakh for employees

• Ambulance services enhanced: INR 5,000/ event; COVID-19 ambulance up to

10,000 per family
 Coverage Details For Employee Base Policy

Policy Parameter

Insurer The New India Assurance Company Limited

TPA Medi Assist Insurance TPA Pvt. Ltd.

Policy Start Date 31st May 2021

Policy End Date 30th May 2022

Coverage Type Family Floater (1+4) - Employee, Spouse, 3 Dependent Children

Sum Insured INR 4 Lac Floater

Siblings No
Maximum no of Members insured
1+4
in a family Note:
Others No
• New born and Newly married spouse
Employee Yes Mid Term enrollment of existing Disallowed should be added in the Medibuddy portal
Dependents within 30 days of event. Death of any
Mid Term enrollment of new joiners (New dependent should be informed within 30
Spouse Yes
days to deactivate from portal
employees +their Dependents) Allowed

• Mid-term addition/deletion of Top-up for

Mid term enrollment of new dependents
Children Yes Allowed employee and parents policy are
(Spouse/Children)
disallowed

Benefits / Extensions
Standard Hospitalization
TPA services
Pre existing diseases
Waiver on 1st year exclusion
Waiver on 1st 30 days excl.
Maternity benefits
Baby cover day 1
Ambulance Services
Existing Employees + Dependents
Commencement Date
Termination Date
Coverage Details For Employee Base Policy
Coverage Benefits / Extensions Coverage
Yes Domiciliary Hospitalization Not Covered
Yes Pre-Post Hospitalization Exp. 30 days and 60 days
Yes IPD cover of 10,000 & OPD cover of 5,000. OPD payable only if
Pre and Post Natal medically recommended by a gynecologist in a registered
Yes hospital
Yes Well Baby Expenses Within maternity limit
Normal 50k & C-Sec Room Rent Capping including boarding Normal – INR 4,000/- for Kerala and 5,000/- for rest of the states.
70K and nursing expenses, DMO/RMO ICU is INR 8,000/ per day. In case of Covid, ICU limit is INR
charges 16,000/- per day
Yes
INR 5,000/- per event, Copay 5% Co- pay for employee ; 10% Co-pay for spouse & child on all
Covid Ambulance INR claims. In case of Covid, no co-pay applicable
10,000 per family
New joiners + Dependents New Dependents (Marriage/Birth)
Commencement
31st May 2021 Date of joining Commencement Date Date of event
Date
30th May 2022 Termination Date 30th May 2022 Termination Date 30th May 2022
 Coverage Details For Employee Base Policy

Benefits / Extensions Coverage

Room Rent Limits including boarding and

Normal – INR 4,000/- for Kerala and 5,000/- for rest of the states. ICU is twice the sum insured. If the member is compelled to move to a higher
nursing expenses, duty medical
category of room, proportionate clause waiver upto 20,000/- of the proportionate expenses or actuals, whichever is lower
officer/resident medical officer charges

Treatment availed by the Insured Person at home for Covid on positive diagnosis of Covid in a Government authorized diagnostic Centre, which
Covid Home Care Treatment in normal course would require care and treatment at a hospital but is actually taken at home upto a maximum up to 14 days. Per member limit
of INR 5,000/- and family limit of INR 10,000. Applicable for all employees and dependents

NME for Covid Hospitalization NME shall be payable upto a maximum of INR 40,000/- per member

Emergency care for employee Coverage of OPD treatment/emergency care if the employee falls sick during the workplace (Annual limit of 2,000/- per employee)

Genetic Treatment Covered upto 50% of sum insured, hospitalization is mandatory

Sleep Apnea Covered with 50% copay, machine cost shall not be covered

Biodegradable Stent Covered under hospitalization

Kidney Transplant Donor expenses covered

Cochlear Implant Covered with 50% copay

Surrogacy Cover Covered upto maternity sum insured

Medical Termination of pregnancy Covered upto 10k over and above maternity limit, medically certified by gynecologist
 Coverage Details For Employee Base Policy
Benefits / Extensions
Life Threatening Cases
Cancer Benefit
HIV Treatment
Infertility Treatment
Stem Cell Treatment
Psychiatric Treatment
Ayurvedic Treatment
Coverage for Siblings
Power Correction
Bariatric Surgery
Oral Chemotherapy
Congenital External
Coverage
Life threatening cases for Maternity claims coverage upto family sum insured
First Time Cancer Detection: In addition to the current benefit of INR 25,000 Employees can avail for the treatment in
the subsequent year policy for INR 25,000 , Benefit can be claimed only once in a year and maximum twice in two
years. (This extension is not given for Dependents, they are eligible for First Time Detection Cover of Rs.25000/- only)
HIV Disease Covered Up to INR 100,000
Infertility coverage upto INR. 50,000 on IPD basis only
Stem Cell covered upto INR. 50,000 per family, Applicable on IPD basis only
Psychiatric & Psychosomatic disorders covered upto INR. 50,000 on IPD basis only, Applicable only for Employees
INR 50,000 on registered Ayurvedic Hospitals on admission only
Mentally physically challenged siblings are covered under the policy
Vision correction cover +/- 7 power correction done by Lasik surgery is covered
BARIATRIC surgery for age less than 35 years is covered under the policy. Limit upto family sum insured. Only for
those employees whose body mass index is over 35. Not applicable to dependents.
Oral Chemo Covered upto INR 50,000 including Hormonal Therapy. Applicable only for Employees
External Congenital 10% of the sum insured i.e. Rs.40,000/- per family for a maximum of 50 families per policy period
(over and above the sum insured)
 Maternity Benefits For Employee Base Policy

Benefit Details

Benefit Amount INR 50k For Normal & INR 70k For C-section

Restriction on no of children Maximum of 2 children

9 Months waiting period Waived off

IPD cover of Rs.10,000 and OPD cover restricted to

Rs.5,000 only per family. OPD Scan payable only if
Pre and Post Natal
medically recommended by gynecologist in a registered
hospital

Well Baby Expenses Within maternity limit

• These benefits are admissible in case of hospitalization in India.

• Covers first two children only. Those who already have two or more living children will not be eligible
for this benefit.
• Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12
weeks from the date of conception are not covered.
 Top Up Employee Policy

• The sum insured is INR 1 Lac, 2 Lacs, 3 Lacs, 6 Lacs, 10 Lacs, 15 Lacs & 20 Lacs for Employee, Spouse & Children

• The top up plan is placed with the same insurer and TPA who underwrites the Group Medical Policy for operational efficiency

• Nomination for top up policy is done once a year & not in between the policy period except for the new joiners

• When the main medical plan sum insured is exhausted, only then the top up plan pays for the claim (amount over and above it).

• The top up sum insured could be utilized for ailments, except for Maternity

Employee Top Up Premium Chart (2021-22)

Additional Sum Insured Premium (Exclusive of GST)

INR 1,00,000 INR 1,175

INR 2,00,000 INR 1,762
INR 3,00,000 INR 2,056
INR 6,00,000 INR 2,545
INR 10,00,000 INR 3,406
INR 15,00,000 INR 6,069
INR 20,00,000 INR 7,635

Kindly note that the room rent limit shall be enhanced by 0.5% of your base policy limit if you opt for 10 lac, 15 lac or 20 lac cover
 Voluntary Parental Plan

This manual has details of voluntary insurance coverage to UST Employee’s

UST Voluntary Parents and Parents-In-Law for expenses related to hospitalization due to illness,
Medical Insurance disease or injury.

The manual covers the following:

• What’s New/Enhanced this year – Parents / Parents In Law

• Coverage Details For Parental Base Policy & Premium Rates

• Parental Top Up Policy

 What’s New/Enhanced this year

•Co-Pay reduction by 5%

•Home care treatment package for COVID – Up to INR 5,000 per member

•Non-Medical Expense (NME) coverage for COVID hospitalisation up to INR 7,500 per parent

•Reduced Co-Pay limits

•Increase in Room Rent eligibility

•Reduced Top Up Premiums

•Ambulance services enhanced: INR 5,000/ event; COVID-19 ambulance up to 10,000 per family
 Coverage Details For Parents Base Policy

Policy Parameter

Insurer The New India Assurance Company Limited

TPA Medi Assist Insurance TPA Pvt. Ltd.

Policy Start Date 31st May 2021

Policy End Date 30th May 2022

Coverage Type Dependent Parents / Dependent Parent In Laws

Sum Insured Option of 2 lacs, 3 lacs & 4 lacs

Parental Base Premium Chart (Premium Excl GST)

Sum Insured 31-35 35-40 41-45 46-50 51-55 56-60 61-65 66 & Above

INR 2,00,000 3,712 3,712 4,638 6,525 7,521 8,530 9,713 10,754
INR 3,00,000 5,180 5,180 6,465 9,288 10,749 12,226 14,004 15,705
INR 4,00,000 6,459 6,459 8,799 11,840 14,989 15,654 17,978 19,971
 Coverage Details For Parents Base Policy

Benefits / Extensions Coverage Benefits / Extensions Coverage

Covid Home Care Upto INR 5,000 per member (Only on

Standard Hospitalization Yes
Covid Home Care reimbursement mode. On submission of proper doctor
recommendation & prescriptions along with all proper bills) TPA services Yes

Pre existing diseases Yes

Room Rent Capping Room rent of 1.5 % for normal subject to minimum of INR Waiver on 1st year exclusion Yes
including boarding and 3,000 and maximum of INR 5,000 and 2.0% for ICU in Kerala
nursing expenses, duty and 1.75% normal subject to minimum of INR 3,000 and
medical officer/resident maximum of INR 5,000 and 2.0% ICU for rest of the states with Waiver on 1st 30 days excl. Yes
medical officer charges proportionate clause applicability
Cataract Limit 24,000/- per eye

INR 5,000/- per event, Covid

1. The Employees who have not opted either Parents or Ambulance Services Ambulance upto INR 10,000/-
Parent in laws previously now opt to Cover Either Parents or per family
Parent in laws or both as a combination - Copay applicable will
be 20%.
2. The Employees who have opted in the expiring policy to Existing Employees + Dependents
cover parents, if now opt to Cover Parent in laws also - Copay
Copay
applicable will be 15% for Parent in laws. Commencement
31st May 2021
Date
3. The Employees who have opted in the expiring policy to
cover parent in laws, if now opt to Cover Parents also - Copay
applicable will be 15% for Parents. Termination Date 30th May 2022
4. For new Joinees who opt for either Parents or Parent In laws
or both Copay will be 15%. Those who doesn't opt at the time
of Joining will not get another option during the policy period.
 Co Pay & Proportionate Clause
What is co-pay? How does it work?
Co-payment is the portion of the claim which associates needs to bear and remaining balance would be paid by the insurance company
•A co-pay of 15% shall be applicable on the differential claim amount where the aggregate of all admissible claims if employee has covered the parents in previous year policy
•A co-pay of 20% shall be applicable on the differential claim amount where the aggregate of all admissible claims if employee has not covered the parents in previous year policy

Scenario Claim Type Total Claimed Deduction after non Total Admissible Ailment Copay Payable Amount after Parents covered last
Amount medical expenses amount Copay (in INR) year

1 Hospitalization 1,00,000 90,000 90,000 Accident 13,500 76,500 Yes then 15% Applied

2 Hospitalization 1,00,000 90,000 90,000 Accident 18,000 72,000 Yes then 20% Applied

Room Rent Eligibility Norms & Proportionate Deductions

Room rent will have an upper limit of 1.5% of the SUM INSURED and ICU rentals to 2.5% of the SUM INSURED and applicability of proportionate clause if higher room rents are opted.
(eg: if 2 lac sum insured is opted, 1.5% of 2 lac is INR 3000. So room rent per day will be INR 3000 inclusive of nursing and DMO charge). If some hospitals charges, nursing and duty medical officer charges
(DMO) separately, this will be summated with room rent and considered as room rent. Eg: Room rent alone is INR 3000, nursing charge INR 500 and DMO charge INR 250, the room rent will be considered as
INR 3000 + 500 +250 =INR 3750. Kindly note, so proportionate clause will be applicable as it exceed the room rent eligibility as per terms and conditions as mentioned above.
 Basic sum insured of 3 lacs (1.5%), room rent is INR 4500/day.
 Basic sum insured of 4 lacs (1.5%), room rent is INR 6000/day, but maximum capping INR 5000/day only.
 Top-up if opted, will be utilized if the basic sum insured is exhausted. (will not be a part of room rent calculation)
 Associates opting for a higher category of room shall have to bear the room rent difference as well as the proportionate expenses. This shall apply to cashless and reimbursement claims.

Proportionate Clause Or Deduction Applicability:

There are circumstances when an associate’s parents or in-laws uses a room or ICU above the eligibility norm as defined in the above section. This can be either due to the employee’s discretion or by virtue of
the fact that only such facilities are available at that point of time in the hospital. In this circumstance, a deduction on account of Proportionate Clause will be applied on the insurance claim on below headings
as detailed below:
• Room Rent. Parental Sum Insured INR 2,00,000 x 1.5% = 3000(eligible room rent)
• Medical Lab Test Charges/investigations. Availed Room Charges INR 6,000/- per day
• Doctor Consultation Charges.
• Surgery Costs. (If applicable). Eligible Room Charges INR 3,000/- per day
Proportionate % 3000/6000 = 50% with weighted average
• The example illustrates the arithmetic of proportionate deductions
 Top Up Parents Policy

• The sum insured is INR 1 Lac, 2 Lacs & 3 Lacs for Parents

• The top up plan is placed with the same insurer and TPA who underwrites the Group Medical Policy for operational efficiency

• Nomination for top up policy is done once a year & not in between the policy period except for the new joiners

• When the main medical plan sum insured is exhausted, only then the top up plan pays for the claim (amount over and above it).

• The top up sum insured could be utilized for ailments

Parental Top Up Premium Chart (2020-21)

Additional Sum Insured Premium (Exclusive of GST)

INR 1,00,000 INR 2,866

INR 2,00,000 INR 4,413
INR 3,00,000 INR 5,527

Kindly note that the room rent limit (including boarding and nursing expenses, duty medical officer/resident medical officer charges) shall be restricted as
per your base policy and top up amount shall not enhance your room rent eligiblity
 Details of your
Insurance Policy
 Hospitalization Coverage Expenses

 Room and Boarding including boarding and nursing expenses, duty medical officer/resident medical officer charges Please Note:
A) The expenses are payable
 Doctors/Medical Practitioner fees provided they are incurred in India
and within the policy period.
Expenses will be reimbursed to the
 Intensive Care Unit covered member depending on the
level of cover that he/she is entitled
 Nursing expenses to.

B) Expenses on Hospitalization for

 Surgical fees, operating theatre, anesthesia and oxygen and their administration
minimum period of 24 hours are
admissible.
 Drugs and medicines consumed on the premises However this time limit will not apply
for specific treatments i.e. Dialysis,
Chemotherapy, Radiotherapy, Eye
 Hospital miscellaneous services (such as laboratory, x-ray, diagnostic tests)
surgery, Lithotripsy (kidney stone
removal), Tonsillectomy, D & C taken
 Radiotherapy and chemotherapy in the Hospital/Nursing home and the
insured is discharged on the same
 Surrogacy benefit covered up till maternity limit. day of the treatment will be
considered to be taken under
Hospitalization Benefit.
 Active Line of Treatment

Any hospitalization claim shall be admissible only if there is an active line of treatment during the course of hospitalization i.e. any investigations or

treatment consistent and incidental to the diagnosis of positive existence and treatment of any ailment, sickness or injury, for which confinement is

required at a Hospital or Nursing Home shall be payable under the policy.

Instances wherein claims under this category shall not be payable

 Hospitalized and administered only with oral medication/injections, even if prescribed by a doctor

 Hospitalized only for investigations but no positive outcome of any ailment

 Treatment which would be done as out patient and admission not required

 Hospitalization only for physiotherapy

 Hospitalization only for evaluation purposes

 Pre & Post Hospitalization

Pre- Hospitalization Expenses

• If the Insured member is diagnosed with an Illness which results in his / her Hospitalization and for which
the Insurer accepts a claim, the Insurer will also reimburse the Insured Member’s Pre-Hospitalization
Definition
Expenses for up to 30 days prior to his / her Hospitalization.

Covered • Yes
Duration • 30 Days

Post- Hospitalization Expenses

• If the Insurer accepts a claim under Hospitalization and immediately following the Insured Member’s
discharge, further medical treatment directly related to the same condition for which the Insured Member was
Definition Hospitalized is required, the Insurer will reimburse the Insured member’s Post-Hospitalization Expenses for
up to 60 day period.

Covered • Yes
Duration • 60 Days
 Cashless Process

Hospitals in the network

Cashless means the Administrator may authorize upon a Policyholder’s request for direct settlement of (please refer to the website for the
eligible services and it’s according charges between a Network Hospital and the Administrator. In such updated list)
case the Administrator will directly settle all eligible amounts with the Network Hospital and the Insured
Person may not have to pay any deposits at the commencement of the treatment or bills after the end of For Updated List visit to
treatment to the extent as these services are covered under the Policy.
Medi Assist link as below:

https://network.medibuddy.in/

Note : Patients seeking treatment under cashless hospitalization are eligible to make claims under pre
and post hospitalization expenses. For all such expenses the bills and other required documents needs
to submitted separately as part of the claims reimbursement.
 Emergency Hospitalization

Step 1: Get Admitted Pre-

Member gets admitted in the authorization Non cashless
In cases of emergency, the member should get hospital in case of emergency
admitted in the nearest network hospital by given by the Hospitalization
by showing his ID Card Administrator
showing their ID card. NO Process

YES
Step 2: Pre-Authorization by hospital
Relatives of admitted member should inform the call Member/Hospital applies for Member gets treated and
centre within 24 hours about the hospitalization & pre- authorization to the discharged

PROCESS
Seek pre authorization. The preauthorization letter Administrator within 24 hrs of after paying all non medical
would be directly given to the hospital. In case of admission expenses like refreshments,
denial member would be informed directly etc..

Step 3: Treatment & Discharge Administrator verifies Hospital sends complete

After your hospitalization has been pre- authorized applicability of the claim to set of claims documents
the employee is not required to pay the be registered and issue pre- for processing to the
hospitalization bill in case of a network hospital. The authorization Administrator
bill will be sent directly to, and settled by
Administrator
 Planned Hospitalization

Step 1: Pre-Authorization Member intimates

Claim Administrator authorizes
All non-emergency hospitalization instances Administrator of the
Registered by the cashless as per SLA for
must be pre-authorized with the Administrator planned hospitalization in
Administrator on planned hospitalization to
, as per the procedure detailed below. This is a specified pre-
same day the hospital
done to ensure that the best healthcare authorization format at-
least 48 hours in advance YES
possible, is obtained, and the
patient/employee
is not inconvenienced when taking admission NO
into a Network Hospital.
Follow non cashless Pre-Authorization
process Completed

Member gets treated and Hospital sends complete

Step 2: Admission, Treatment & discharge
After your hospitalization has been
pre-authorized, you need to secure
admission to a hospital. A letter of credit will
be issued by Administrator to the hospital.
Kindly present your ID card
at the Hospital admission desk. The
employee is not required to pay the
hospitalization bill in case of a network
hospital. The bill will be sent directly to, and
settled by Administrator
Member produces ID card at
discharged after paying set of claims documents for
the network hospital and gets
all non entitled benefits processing to Administrator
admitted
like refreshments, etc..
Please Note: At the time of discharge when the Administrator
receives the final bill, they try to renegotiate with the Hospital for a
better price. Hence it may take some time for Administrator to
revert back with final approval. This exercise checks the hospital to
overcharge you and helps keep your sum insured utilization
optimized for any future exigencies .. Please be patient Claims Processing &
Settlement by
Administrator & Insurer
 Non Cashless Hospitalization

Admission procedure

• In case you choose a non-network hospital you will have to liaise directly with the hospital for admission.

• However you are advised to follow the pre authorization procedure to ensure eligibility for reimbursement of hospitalization expenses from the insurer.

Discharge procedure

• In case of non network hospital, you will be required to clear the bills and submit the claim to Mediassist for reimbursement from the insurer. Please ensure that you

collect all necessary documents such as – discharge summary, investigation reports etc. for submitting your claim.

Submission of hospitalization claim

• You must submit the final claim with all relevant documents within 60 days from the date of discharge from the hospital.
 Non Cashless Process

Member intimates Mediassist Claim registered by Insured admitted as per Insured Submits relevant
before or as soon as Mediassist after receipt of hospital norms. All payments documents the Help desk A
hospitalization occurs claim intimation made by member within 60 days of discharge

Yes Is document
Is claim Mediassist performs medical •Insured will create the
received summary of Bills (2 copies) and
payable? scrutiny of the documents
within 30 attach it with the original bills
Yes
days from
•The envelope should contain
discharge
clearly the Employee ID &
No Employee e-mail
No
Claim Rejected

Is
documentation Yes
Mediassist checks document complete Claims processing done as Payment to be done to
sufficiency as required per SLA Employee account

No
Receives mail about
deficiency and document A
requirement
 Claim Document Checklist

 Completed Claim form with Signature

 Hospital bills in original (with bill no; signed and stamped by the hospital) with all
charges itemized and the original receipts

 Discharge Report/Certificate/card (original)

 Attending doctors’ bills and receipts and certificate regarding diagnosis (if separate from
hospital bill)
 Original reports or attested copies of Bills and Receipts for Medicines, Investigations
along with Doctors prescription in Original and Laboratory

 Follow-up advice or letter for line of treatment after discharge from hospital, from Doctor.

 Provide Break up details including Pharmacy items, Materials, Investigations even

though it is there in the main bill
 In case the hospital is not registered, please get a letter on the Hospital letterhead
mentioning the number of beds and availability of doctors and nurses round the clock.

 In non- network hospital, you may have to get the hospital and doctor’s registration
number in Hospital letterhead and get the same signed and stamped by the hospital, if
required.
 Standard Exclusions

•Injury or disease directly or indirectly caused by or arising from or attributable to War or War-like situations
•Circumcision unless necessary for treatment of disease
•Congenital external diseases or defects/anomalies
•Hospitalization for convalescence, general debility, intentional self-injury, use of intoxicating drugs/ alcohol.
•Venereal diseases
•Injury or disease caused directly or indirectly by nuclear weapons
•Naturopathy and AYUSH
•Any non-medical expenses like registration fees, admission fees, charges for medical records, cafeteria
charges, telephone charges, etc
•Cost of spectacles, contact lenses, hearing aids
•Any cosmetic or plastic surgery except for correction of injury
•Hospitalization for diagnostic tests only
•Vitamins and tonics unless used for treatment of injury or disease
•Voluntary termination of pregnancy during first 12 weeks (MTP)
• OPD Claims not payable under the base Group Mediclaim Policy
• Claims (of high value) submitted without prescriptions/diagnosis
• Health foods
• Costs incurred as a part of membership/subscription to a clinic or health centre
• Naturopathy
• Cost of appliances, spectacles, contact lenses, hearing aids
• Non-medical expenses like Hospital surcharge, telephone bills, cafeteria bills
 Contact Details

TPA : Medi Assist India TPA Pvt. Ltd.

Exclusive Hotline: 080-46855369

Exclusive E-Mail ID for Queries: UST_insuranceenrolment@mediassistindia.com

Escalation Matrix

Level Name Contact No. Email Id

Level 1 Jerin Joseph 7411500621 Jerin.joseph@mediassist.in

Level 2 Sathish 9952933099 sathish.b@mediassist.in

Level 3 Santhosh 7358556888 subramanya.santhosh@mediassist.in

Level 4 Anand Sridhar 9566116633 anand.sridhar@mediassist.in

Exclusive UST Global E-Mail ID for Any Other Queries: Insurance@ust-global.com

Exclusive Marsh E-Mail ID for Premium Receipts /Insurance Queries: ust.support@marsh.com

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