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• Medical Insurance under the Group Insurance Scheme
   

• Every student at Symbiosis is covered under a unique and novel medical insurance scheme.
   

• After paying a concessional premium, the student is covered for hospitalization up to Rs. 50,000/- in case of non accidental emergencies (as per the Mediclaim Insurance Policy) & Rs.1, 00,000/- in case of Rail / Road traffic accidents.
   

• The school children are covered for hospitalization up to Rs. 10,000/- in case of non accidental emergencies (as per the Mediclaim Insurance Policy) & Rs.20,000/- for Student safety policy.
   

• The SCHC provides each beneficiary with an “Insurance Card”. This insurance card confers certain unique benefit to the beneficiary. It provides for zero hour support in case of medical emergencies .This includes provision of financial support in critical circumstances.

• In case of hospitalization, medical officer form SCHC personally visits the staff/student to enquire about his wellness and progress and to ensure that he is being offered the best.
   

• A copy of the medical insurance policy document is available with the Registrar of the Institute.
   

• For Further details regarding the benefits of the policy, the student may contact the M.O. SCHC.

• Group Mediclaim Insurance Policy Terms and Condition Document

Amongst all other clauses, it is most important to understand that:

• For the first one month after the inception of the policy, only expenses accruing out of railway / road traffic accidents is reimbursable. Expenses arising out of non accidental cases will be reimbursable under the Mediclaim policy only after one month of the inception of the policy.
   

• Medical insurance under the said policies is applicable only in case of hospitalization. Further, such hospitalization has to be for a minimum duration of 24 hours. Under no circumstances, is OPD Treatment (treatment taken without admission) reimbursable.
   

• Hospitalization is permitted in recognized hospitals only and under panel Consultants of the SCHC only.
   

• Students are permitted to get admitted in semi private rooms only. Any expenditure accruing by way of admissions in a higher class of room E.g. Special /Deluxe room and all incidental charges thereof will have to borne by the students themselves.
   

• In any medical emergency, it is mandatory to inform the SCHC within 24 hours of admission. Admission through private practitioners has to be authenticated by the medical officer SCHC within 24 hours of hospitalization.
   

• Any hospitalization done, without informing the SCHC may not be eligible for reimbursement under the said policies.
   

• Disclose identity as a student of Symbiosis whenever medical aid is sought.
   

• In case of direct admission to the hospital, please inform the SCHC on the numbers mentioned on the insurance card at the earliest.
   

• Ensure that the requisite documents are filled in and duly submitted to the SCHC, within 1 month of discharge from Hospital.
   

• In case of an elective, non emergency admission, prior consultation with the SCHC is mandatory.