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Hindustan Steelworks Construction Ltd. ( HR DEPARTMENT )

Hindustan Steelworks Construction Ltd. ( HR DEPARTMENT ) . GROUP MEDICLAIM INSURANCE POLICY OF HSCL . Insured : Ex-Employees & (Direct) Personnel on contract Family : Self and Spouse (only)

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Hindustan Steelworks Construction Ltd. ( HR DEPARTMENT )

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  1. Hindustan Steelworks Construction Ltd.( HR DEPARTMENT )

  2. GROUP MEDICLAIM INSURANCE POLICYOF HSCL

  3. Insured: Ex-Employees & (Direct) Personnel on contract Family : Self and Spouse (only) Sum Insured per Family : Rs 1,50,000/- Coverage : Expenses incurred for treatment of patient in any Registered Hospital or Nursing Home. Cashless : The insured will get the benefit of ‘cashless Facilities hospitalization’ from listed hospitals through TPA, M/s Vipul Medcorp Pvt. Ltd. POLICY NO. 030281/48/12/41/0000005( Policy period : 03.04.2012 to 02.04.2013 )

  4. BENEFITS : Pre - Hospitalization Benefit - 10 days prior admission to Hospital / Nursing Home Post - Hospitalization Benefit - 15 days after discharge from the Hospital / Nursing Home HOSPITALIZATION : BENEFITS & LIMITATIONS

  5. LIMITATIONS : A Room & Bed Facility - • Max. of Rs 1,000/- per day for Normal • Max. of Rs 2,000/- for ICCU & ITU ( Inclusive of Nursing care, Blood Transfussion, Injection, Cleaning of wounds & similar expenses )

  6. B Treatment on various Diseases -

  7. Expenses on treatment related to maternity. • Cost of spectacles and contact lens, hearing aid or related items. • Circumcision except for injury, vaccination or inoculation or change or life or cosmetic or aesthetic treatment of any description, plastic surgery except for relating to treatment of injury or illness. • Convalescence, General Debility, Run down condition or Rest cure or defects, or Anomalies, Sterility, Venereal disease, internal self injury and use of intoxications drugs / alcohols and any congenital diseases. • Expenses on diagnostic, x-ray or Laboratory investigations unless related to the treatment of illness or injury falling within the ambit of Hospitalization. • Naturopathy treatment. • All expenses arising out of any condition directly or indirectly caused due to or associated with Human T cell, Lymph Tropic Virus Type III (HTLB – III) or Lymphadinopathy Associated Virus (LAV). • Mutants Derivative or Variation Deficiency Syndrome or any Syndrome or conditions of a similar kind commonly related to as AIDS. RESTRICTIONS ON COVERAGE OF THE POLICY

  8. Intimation of any Claim must be communicated to TPA or HSCL, Head Office, within 48 hours of admission and submission of such claim along with all the original documents & proper receipts confirming the expenses & treatment relating to Pre, Post and during Hospitalization, must be submitted to TPA or Head Office within 30 days from the date of discharge. CLAIM PROCEDURE

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