Salient Features of this group insurance:

Slide 1
 SPECIAL COVERAGES:
• No Medical Examination for entry at any stage
• No waiting period
• Pre-existing diseases covered from day one
• Cashless facility available at a large network of hospitals
• If not cashless, reimbursement can be availed
• Maternity expenses covered: Normal delivery: 25K and C-Section: 50K
• New born covered from day 1 (Intimation to be given within 90 days from Date of birth )
• Pre and Post hospitalization restricted to 30 & 60 days respectively.
• Room expenses up to the limit of 1% of sum insured for non-metro cities and up to the limit
of 2% of sum insured for metro cities per day.
• ICU expenses up to 2% of sum insured for non-metro cities per day and with no cap for
metro cities @ 5% of sum insured.
• Expenses towards blood, Oxygen, OT charges, Medicines, Implants like Pacemaker,
Laboratory, Chemo Therapy, Radio therapy, X-ray, Artificial limbs, etc. are covered.

Slide 2
 SPECIAL COVERAGES:
• Pre and Post Hospitalization expenses payable in respect of each hospitalization shall be the
actual expenses incurred subject to a maximum of 10% of the Sum Insured
• Parents to be included at the time of policy inception for existing employees and at the time of
joining for new employees. (no joining in between)
• Mid-term inclusion allowed for:
1. Newly married spouse (intimation to be received within one month from date of marriage)
2. New Born Baby (within 90 days from date of birth)
• MTMAT- Modern Treatment Methods and Advancement in Technologies
• LASIK Surgery - If vision power is above +/-7.5 D / cataract
• Hospitalization / Injury expenses arising out of terrorism.

Slide 3
 Process Flow- Data Updation to Dealer Debit:

TVSM Debits
TVSM makes UII Issues
Dealer Uploads Dealers
Payment of Policy to all
Employee Data accordingly
Premium to the enrolled
on based on
Insurance Dealer
AdvantageTVS number of
Provider (UII) Employees
enrollments

Ways in which Dealers Share / Debit their Employees:

 No Employee Debit / Free of Cost: Dealers provides the insurance to all / selected employees as an additional benefit

 Partial Sharing: 50% Dealer and 50% Employee

 Full Debit: Employees debited at 10 equal EMIs to reduce financial impact, example: Rs. 350/month

Slide 4