A Health Insurance Scheme for the IESL Members is in place now.

Main Features of the Scheme:

This is a group policy and will commence very soon. The most likely commencement date is 01-12-2011 Members upto 85 years are eligible Join in without undergoing any medical test Sum insured ranges from Rs. 150,000/= upto Rs. 1,000,000 (6 options are available) which covers hospital expenses Additional Rs. 500,000/= cover for 25 critical illnesses for no increase in premium Personal accidents, eye care, child births, deaths etc., also covered for no additional premium Treatment taken in Private and Govt. hospitals as well as Aurvedic hospitals are accepted Spouse and the children also covered but no added premium Members working abroad can insure the spouce and children or parents if they are living in Sri Lanka. Hassle free hospitalization and bill settlement system Pls. refer Schedule 1 for benefits, Schedule 2 for premium and Schedule 3 for eligibility criteria

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National Insurance Trust Fund

offers CRITICAL ILLNESSES, SURGICAL, HOSPITAL EXPENSES AND PERSONAL ACCIDENT INSURANCE for the members of

THE INSTITUTION OF ENGINEERS, SRI LANKA

IESL Members / Student Members
Now you also can join this health insurance scheme offered by the NITF You can select one out of 6 options given for the Sum Insured. Age limit upto 85 years This group policy will commence very soon. Therefore submit your proposal form without delay.

What you have to do: in order to join Fill up a proposal form* and hand it over to the IESL finance dept. together with the applicable annual premium as per schedule 2 given in this flyer at least one week before the commencement date. Keep a copy of the document

in case of hospitalization
Just produce the plastic card issued to the insured by the NITF to the hospital reception. Also inform the NITF through the contact no 0718693449 - Mr. Nishantha or 0114873900 upto 5 - NITF general line

at the time of discharge Before two hours of the discharge of the patient, inform the NITF through the contact no as above. (the hospital will do the same and then the NITF undertake to settle your bill subject to the limits as given in schedule 1) If you have exceeded your limits you have to pay only the balance before you discharge when you want to make a claim* Fill up a claim form and deliver/ hand it over to the NITF together with the documents requested within 90 days of the event occurrence. Keep a copy of it

*Proposal forms / claim forms could be obtainable from - Downloadable form www.nitf.lk or from www.iesl.lk - NITF head office / Hambanthota branch / Anuradapura branch - IESL head office or Provincial Center offices *A claim form need to be submitted in case of Cataract Operations, Purchase of Spectacles, Personal Accidents, Deaths and the Hospitalization in a Government Hospital or in a Government Ayurvedic Hospital. Should you require further information please contact: IESL: 2698426, 2685490 Ext 218, 219,220 - Finance Division NITF: 0718693449, 4873900, 4873901 Nishantha Denagama - Manager
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National Insurance Trust Fund

CRITICAL ILLNESSES, SURGICAL, HOSPITAL EXPENSES AND PERSONAL ACCIDENT INSURANCE FOR THE MEMBERS OF THE INSTITUTION OF ENGINEERS, SRI LANKA

BENEFITS - Schedule 1
SURGICAL AND HOSPITAL EXPENSES for a Family Unit
Option I Rs. 1,500 maximum per day Option II Rs. 3,000 maximum per day Option III Rs. 4,500 maximum per day Option IV Rs. 6,000 maximum per day Option V Rs. 7,500 maximum per day Option VI Rs. 10,000 maximum per day

In a Private Hospital Room Charges (Maximum 14 days per event)

In a Private Hospital
Hospital Charges : which includes Medical and operational expenses for special treatment and Expenses for nursing provide on the recommendation of consulting specialist, Expenses for operating theater and surgeon and anesthetic fee Consulting and specialist fee obtained on the recommendation of a recognized physician or a physician registered under section 41 of the Medical Services Ordinance while receiving indoor treatments in a Hospital or Nursing home. Medical treatment received from the following Private Aurveda hospitals is also covered under this scheme. 1. Siddhalepa Hospital - Mt. Lavinia 2. Wickramaarachchi Hospital Yakkala

150,000

300,000

450,000

600,000

750,000

1,000,000

GOVERNMENT HOSPITAL and GOVERNMENT AYURVEDA HOSPITAL ALLOWANCE Allowance for hospitalization in a Government hospital or in a Government Ayurveda hospital (Maximum 10 days per event)

5,000 (500 @ 10 days )

10,000 (1,000 @ 10 days )

15,000 (1,500 @ 10 days )

20,000 (2,000 @ 10 days)

25,000 (2,500 @ 10 days)

35,000 (3,500 @ 10 days)

LIMITS - Maximum for the whole year

for the above LIMITS - Maximum for a single case for the above
CHILD BIRTH (for two children only) In a Private Hospital - Cesarean

150,000

300,000

450,000

600,000

750,000

1,000,000

100,000

250,000

375,000

500,000

625,000

850,000

40,000 In a Private Hospital - Normal 20,000 In a Government Hospital Cesarean or Normal 2,500 25,000

75,000 37,500 5,000 25,000

112,500 56,250 7,500 25,000

150,000 75,000 10,000 25,000

187,500 93,750 12,500 25,000

250,000 125,000 20,000 25,000

EYE OPERATIONS Cataract (In a Government or in a Private hospital the cost of the lens will be reimbursed if the prescription & the receipt is submitted.) SPECTACLES (only for the member and payable once in three years) CRITICAL ILLNESS COVER

5,000

5,000

5,000

5,000

5,000

5,000

500,000

500,000

500,000

500,000

500,000

500,000

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(Only for the Member and the spouse - List of illnesses covered is given in the Schedule 5 ) NATURAL AND ACCIDENTEL DEATH (Only for the Member) Accidental Death 150,000 Normal Death 15,000 PERSONAL ACCIDENT (Only for the Member) - Permanent Total Disablement 150,000 - Permanent Partial Disablement 75,000 - Temporary Total Disablement (Maximum 52 weeks) 4,500 2,250 9,000 4,500 13,500 6,750 18,000 9,000 22,500 11,250 30,000 15,000 150,000 225,000 300,000 375,000 500,000 300,000 450,000 600,000 750,000 1,000,000 30,000 45,000 60,000 75,000 100,000 300,000 450,000 600,000 750,000 1,000,000

- Temporary Partial Disablement (Maximum 52 weeks)

PREMIUM - Schedule 2
Premium (Annual All Inclusive Premium)
Principal Member Age Between 18 - 65 15,000 Principal Member Age Between 66 - 70 16,875 Principal Member Age Between 71 - 75 18,750 Principal Member Age Between 76 - 80 20,625 Principal Member Age Between 81 - 85 30,937 61,875 92,812 123,750 154,687 206,250 41,250 61,875 82,500 103,125 137,500 37,500 56,250 75,000. 93,750 125,000 33,750 50,625 67,500 84,375 112,500 30,000 45,000 60,000 75,000 100,000

Option I

Option - II

Option III

Option IV

Option - V

Option VI

ELIGIBLE PERSONS - Schedule 3

The eligible person includes: 1. The member (of age between 18 years to 85 years) of the IESL who are covered by the valid insurance policy issued by the NITF and the dependents of the member 2. If the IESL member is married, the eligible dependents shall be the spouse of the member (of age between 18 years to 80 years) and the unmarried children up to 21 Years. 3. If the IESL member is unmarried, the eligible dependents shall be the parents of the member up to 70 Years.

No. 01 02 03 04 Member Spouse

Eligible Persons

Age Limits 18 85 Years 18 80 Years Up to 21 Years Up to 70 Years

Unmarried Children Parents

PERSONAL ACCIDENT CLAIM PERCENTAGES - Schedule 4

Event 01 02 03 04 Death The total and permanent loss of all sight of both eyes The total and permanent loss of the use of both hands. The total and permanent loss of the use of both feet Result Benefit (For Events 2 to 26 the percentage of the sum insured for Event 1, death is specified) As specified within the Policy Schedule 01 100% 100% 100%

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05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

The total and permanent loss of the use of one hand and one foot Total and incurable disablement for all further work Total and incurable paralysis of all the limbs The total permanent loss of the use of one arm or of the greater part of one arm The total and permanent loss of the use of one leg The total and permanent loss of all sight of the one eye together with the series happening diminution of the sight of the other eye The total and permanent loss of the use of one hand or of five fingers or one hand, or the lower part of one arm The total and permanent loss of the use of one foot, or the lower part of one leg The total and permanent loss of hearing The total and permanent loss of all sight of one eye The total and permanent loss of the lens of one eye The total and permanent loss of the use of one thumb The total and permanent loss of the use of one forefinger The total and permanent loss of the use of one joint of a thumb The total and permanent loss of the use of two joints of one forefinger The total and permanent loss of the use of one little finger The total and permanent loss of the use of one big toe The total and permanent deafness of one year The total and permanent loss of the use of two joints of one little finger The total and permanent loss o fuse of one middle or of one ring finger The total and permanent loss of the use of two joints of one middle or of one ring finger The total and permanent loss of the use of one toe other than a big or of the joint of a finger Total disablement from engaging in or attending to usual business or occupation

100% 100% 100% 80% 75% 75% 70% 60% 50% 50% 30% 30% 20% 15% 12.5% 12% 10% 10% 8.5% 8% 6.5% 5% The weekly rate is 0.6% shown on the policy schedule for an aggregate period not exceeding one hundred and four weeks from the happening of the event. The weekly rate is 0.2% shown on the policy schedule for an aggregate period not exceeding one hundred and four weeks from the happening of the event.

27

28

Temporary partial disablement from engaging in or attending to usual business or occupation

LIST OF CRITICAL ILLNESSES - Schedule - 5

Cancer Chronic Liver Disease Heart Attack - (Myocardial Infarction) Chronic Lung Disease Stroke (Cerebra Vascular Accident) Coma Coronary Artery Disease Surgery (Coronary By-Pass Surgery) Deafness Renal Failure Fulminant Viral Hepatitis Major Organ Transplant Loss of Speech Paralysis Motor Neurone Disease Blindness Muscular Dystrophy Heart Valve Surgery Pulmonary Arterial Hypertension Surgery for a Disease of the Aorta All accidents other than motor accident. Multiple Sclerosis Angioplasty Apallic Syndrome Benign Brain Tumor Major Organ transplant, such as lung or bone marrow. However this benefit will not be paid on donor of a major organ.

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