Symbiosis Health Insurance Programme

Every student & staff at Symbiosis is covered under a unique group medical insurance scheme with the National Insurance Company (NIC) for hospitalization


Policy details for Symbiosis Students


Policy Name: Group Mediclaim & Road Traffic Accident Policy for Symbiosis School & College Students

Third Party Administrator (TPA): MD INDIA Healthcare Services (TPA) Pvt Ltd (www.mdindia.com)

Policy details for students:


No

Category

Mediclaim Policy (Sum Insured) INR

RTA Policy (Sum Insured) INR

1

College students

50,000

1 Lakh

No

Category

Mediclaim Policy (Sum Insured) INR

RTA Policy (Sum Insured) INR

1

School students

10,000

20,000

No

Category

Mediclaim Policy (Sum Insured) INR

RTA Policy (Sum Insured) INR

1

SIS students

1 Lakh

1 Lakh

Policy Period: Every year- from 05th June to next year 4th June


Policy Covers:-

Policy covers medical expenses incurred for any treatment(as per policy terms and conditions) subject to stay in hospital for a minimum of 24 hrs. Hence hospitalization is a must prerequisite.No coverage for OPD treatment.

    Claim Settlement: cashless and reimbursement: Both.


    The policy document can be found on SCHC website (https://www.schcpune.org/Group_Mediclaim_Insurance_Policy.pdf)


How it works:

  1. Designated staff of the institutes is required to do the submission of ‘personal details’ in the Paper Tracer Software

  2. Identity card issued by institutes is to be produced on admission to empanelled hospital.

  3. Students are required to inform SCHC on admission to hospital. A confirmation mail is sent by SCHC Insurance Cell to the insurance company immediately after admission.

  4. For non-empanelled hospitals, information is to be sent within 3 days of admission and claim documents are to be submitted at SCHC within 20 days after discharge.

  5. Medical Officer, Insurance Cell : email Id: insurance@schcpune.org, smo.insurance@schcpune.org

  6. Contact No.: +91-95525-25015


Policy details for Symbiosis Staff


Policy Name: Group Mediclaim & Road Traffic Accident Policy for Symbiosis Staff


No

Category

Mediclaim Policy (Sum Insured) INR

RTA Policy (Sum Insured) INR

1

Grade I & II

2 Lakh

1 Lakh

2

III & IV

1 Lakh

1 Lakh

Policy Period: Every year - from 08th May to next year 7th May


Policy Covers:-

Policy covers medical expenses incurred for any treatment (as per policy terms and conditions)subject to stay in hospital for minimum of 24 hrs. Hence hospitalization is a must prerequisite. No coverage for OPD treatment.

Claim Settlement: cashless and reimbursement: Both.
Excess (Co- payment) for each & every claim is as under-

How it works:

  1. All full time Symbiosis staff members are covered by Mediclaim & Road Traffic Accident policy.The 100% premium is paid by Symbiosis for staff of Symbiosis Society & Symbiosis International (Deemed University)

  2. The start/ renewal date for the Mediclaim and Road/ RTA policy of the staff members is 8th May of every year. The insurance policy period is from 8th May to 7th May next year.

  3. Large No of hospitals all over the country are empanelled with our insurance TPA (MD India) where a cashless treatment facility can be availed by staff & students, for other hospitals re-reimbursement of expenditure incurred is applicable subject to policy terms and conditions. The policy document can be found on SCHC website www.schcpune.org

  4. The designated staff of the institutes is required to do the submission of ‘personal details’ in the Paper Tracer Software

  5. The employee identity card issued by institutes is to be made on admission to empanelled hospital.

  6. A confirmation mail is sent by SCHC Insurance Cell to the insurance company immediately after admission hence staff members are asked to inform SCHC on admission to hospital.

  7. For non-empanelled hospitals, information is to be sent within 3 days of admission and claim documents are to be submitted at SCHC within 20 days after discharge.

  8. Premium once paid for Mediclaim and RTA policy is not refundable, due to any reason whatsoever.

  9. Medical Officer, Insurance Cell : email Id:insurance@schcpune.org, smo.insurance@schcpune.org

  10. Contact : +91-95525-25015


CLAIM PROCEDURE



PROCESS FLOW- CASHLESS

PROCESS FLOW- REIMBURSEMENT