SIDDAGANGA INSTITUTE OF TECHNOLOGY Year 2012 - 2013

1. FOR SIDDAGANGA INSTITUTE OF TECHNOLOGY Year 2012 - 2013

2. POLICY OVERVIEW

3. Year Manpower Strength 2007 400 2008 525 Our Offices 2009 750 Corporate office 2010 830 Regional offices 2011 1010 Branch offices 2012 1350 PAN India Presence Corporate Office • Bangalore Regional Offices • Mumbai • Bangalore • Chennai • Kolkata • New Delhi Mohali Delhi Jaipur Guwahati Lucknow Patna Ahmedabad Jamshedpur Bhopal Kolkata Branch Offices - 19 Indore Surat Nagpur Bhubaneswar Mumbai Pune Vishakhapatnam Hyderabad Mangalore Bangalore Chennai Cochin Coimbatore Trivandrum Medi Assist India TPA Pvt. Ltd | Private & Confidential | Not for Circulation 3

4. POLICY COVERAGE • The Mediclaim Policy Reimburses Hospitalisation Expenses incurred due to:- • Disease • Illness or • any bodily injury sustained through Accident • Treatment done in a Hospital /Nursing Home / Day Care Centre on the advice of a qualified Physician / Medical Specialist / Surgeon • As an Inpatient in the Hospital (fulfilling the definition of Hospital) • For a minimum of duration of 24 hours

5. DEFINITION OF HOSPITAL • An institution established in India for indoor care & treatment of sickness and injuries • Registered as Hospital or Nursing Home with local authorities • Under supervision of registered & qualified medical practitioner • Has minimum of 10 inpatient beds (In towns having less than 10 Lakhs population OR • 15 inpatient beds if located in other towns • Has fully equipped operation theatre of its own • Has fully qualified Nursing Staff and Doctors and Maintains Daily Record for each Patient • The Term Hospital or Nursing Home shall not include an establishment which is a place of rest, a place for the aged, a place for drug-addicts or place for alcoholics a hotel or a similar place

6. POLICY COVERAGE Day Care Procedures where 24 hours hospitalization is not applicable

7. Expenses incurred on Ayurvedic / Homeopathic / Unani Treatment are admissible provided the treatment is taken in a registered Government Hospital Expenses incurred on Ayurvedic / Homeopathic / Unani Treatment are admissible provided the treatment is taken in a registered Government Hospital Expenses incurred on Ayurvedic / Homeopathic / Unani Treatment are admissible provided the treatment is taken in a registered Government Hospital EXPENSES COVERED Expenses incurred on Ayurvedic / Homeopathic / Unani Treatment are admissible provided the treatment is taken in a registered Government Hospital Expenses incurred on Ayurvedic / Homeopathic / Unani Treatment are admissible provided the treatment is taken in a registered Government Hospital

8. FEW NON MEDICAL EXPENSES NOT PAYABLE Following are few Non Medical Expenses which are not reimbursable under the Policy: • Telephone charges • Attendant's charges • Home Visit/Nursing charges - at residence after discharge • Assistant fee/Follow up charges in advance • Sundry/Medico Legal Charges/Diabetic chart charges • Thermometer Charges • Container for Specimen/Disposable Bag charges • Admission Kit • External Surgical Aids: Lumbo-sacral/Collar belt /Knee cap/Knee brace/ walker/hot water bag/baby kit/urine pot / traction kit/ folding commode etc • Inhaler/ Nebulizer /Glucometer or any other equipments • Diet charges • Special/protein diet/health drinks unless prescribed by the doctor • Documentation/Folder/Stationery/In Patient chart charges • Expenses on vitamins and tonics unless forming part of treatment • Naturopathy Treatment, Acupressure, Acupuncture, Experimental and unproven treatment/therapies. • (ABOVE LIST IS NOT EXHAUSTIVE. TO SEE THE COMPLETE LIST OF NON MEDICAL EXPENSES PLEASE VISIT OUT WEBSITE WWW.MEDIASSISTINDIA.COM)

9. FEW MAJOR EXCLUSIONS • Circumcision, Cosmetic or Aesthetic Treatment, Plastic Surgery unless required to treat any injury or illness • Vaccinations and Inoculations, Vitamins and Tonics unrelated to treatment • Cost of braces, equipment or external prosthetic devices, non-durable implants, eye glasses, cost of spectacles and contact lenses, hearing aids including cochlear implants and durable medical equipment • All types of Dental treatments except arising out an accident • Obesity treatment and its complications, congenital external disease/defects or anomalies, Treatment related to all psychiatric and psychosomatic disorders, • Infertility, sterility, use of intoxicating drugs/alcohol, use of tobacco leading to cancer • Intentional self inflicted injury, attempted suicide and arising out of non adherence to any medical advice • Participation in hazardous sports of any kind, or any criminal act • STD, AIDS and other related conditions • Diagnostic, X-Ray or Lab expenses not consistent with or incidental to the diagnosis of positive existence of ailment • Voluntary Termination of Pregnancy • Naturopathy treatment, Experimental/Unproven treatment • Service Charges and All Non Medical Expenses • Domiciliary Hospitalization, Treatment taken outside India • Note : Please refer to policy condition for full list of exclusions

10. CASHLESS CLAIMS PROCESS • This service enables the customer to avail treatment at the Network Hospital without being required to pay for the treatment. • All expenses incurred will be paid to the Hospital after deducting non medical expenses subject to maximum limit of sum insured • Please produce your Medi Assist ID Card to the Network Hospital where you wish to avail treatment. Additionally you will be required to provide a valid Photo ID proof such as Voter ID, PAN Card, Driving License etc to the hospital • Kindly fill in the Medi Assist Card Number, Name of the Patient, Age & Contact Number in the Cashless Request Form • The treating doctor/ hospital will fill in the remaining part of the Request Form & Fax it to Medi Assist for approval. • Pre Authorisation approval for Cashless will be sent through Fax / Email to the Hospital • Please Check & Sign the hospital bill before Discharge • Avoid informing the hospital your total coverage details to prevent inflated billing

11. Claims Processing – Pre-Authorization/ Cashless Medi Assist India TPA Pvt. Ltd | Private & Confidential 11

12. Network of Hospitals – Pan-India 1400 1351 657 1282 12 Medi Assist India TPA Pvt. Ltd | Private & Confidential | Not for Circulation

13. PROCEDURE FOR REIMBURSEMENT CLAIMS • Please submit the following documents in original • Discharge Summary. (Original ) . • Final Hospital Bill (with detailed break-up) &Cash paid Receipts (Original) • Medicine Bills along with Doctor Prescriptions. • Investigations & Test Reports. (Original) • Duly Filled Claim Form with Signature. (can be downloaded from website: www.mediassistindia.com • Bank Account Details of the Employee to be provided containing following details • Name of Account Holder (Employee) as per Bank Records • Bank Account Number • Bank Name and Address • IFSC Code • Copy of cancelled cheque with all the above details Note: In case of non-availability of prescriptions, kindly ask your Physician to countersign on the reverse of pharmacy bills.

14. Claims Processing - Reimbursement Claims Medi Assist India TPA Pvt. Ltd | Private & Confidential 14

15. PROCESS TO DOWNLOAD ID CARDS FROM MEDI ASSIST WEBSITE • HR can access Medi Assist Website by following the steps below:- • Log in to Medi Assist website www.mediassistindia.com • Select Corporate Login from the Log in Title • Log in Name shall be Employee Number followed by short name of Corporate • Password will be shared separately by a welcome mail • Employee can view the names of enrolled. Medi Assist India TPA Pvt. Ltd

16. Turn Around Time (TAT) 16 Medi Assist India TPA Pvt. Ltd | Private & Confidential | Not for Circulation

17. SOME COMMON ERRORS THAT DELAYS SETTLEMENT OF REIMBURSEMENT CLAIMS • Submitting document without claim form • Quoting wrong claim amount on claim form • Enclosing certificate from doctor instead of detailed discharge summary • Not attaching original cash paid receipts and submitting details on prescription / hospital letter head instead of proper numbered receipt • Incomplete documents: non submission of Lab reports, breakup for bills and medicine prescriptions • Not providing Bank Account Details for effecting settlement of claims through EFT mode • Providing Bank Account Details of a beneficiary instead of Employee Bank Account • Claim Documents submitted after 30 days of Discharge for Main Hospitalization and beyond 7 days for Post Hospitalization Expenses. • (Waiver of this condition is considered by Insurer in extreme cases of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time-limit)

18. CUSTOMER SERVICE CONTACTS

19. ADDRESS FOR CORRESPONDENCE

20. MediAssist Online! We are pleased to introduce to you MediAssist Online!This is a web-based self-service platform provided. With this self-service application, you will be able to download soft copies of the Medi Assist cards for you and also check the reimbursement claim status. Steps to be followed for: Coporate HR Login • Features: • Beneficiary details • Claims details • E-card • Change password option

21. Online Access Logon to www.mediassistindia.com Click- on the tab login in the home page

22. Online Access Click here- to enter your login details Clickthe Tab Corporate employee

23. Username empcode@cegedim Online Access Online Access Password Please enter your user name and password

24. For Beneficiary Details Click this Tab

25. For E Cards Click this Tab

26. E CARDS CAN BE PRINTED E Cards Can Be Printed

27. CLAIMS INFORMATION BY CLICKING THIS HYPERLINK GET MORE INFORMATION

28. CLAIM BREAK UP DETAILS YOU CAN GET YOUR CLAIM DEDUCTIONS CHEQUE DETAILS

29. Online Issues If you have forgotten your password, or have problems logging into the system, please contact MediAssist directly by emailing quoting employee code and corporate name contact Ms. Bhavya A L Bhavya.l@mediassistindia.com The same will be ratified within 3 working days from the receipt of the mail.

30. Wish you a healthy life and happy future ! Thank you !!!