Professional Documents
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Tie up with the New India Assurance Company (NIACO) to offer a Health
Insurance Scheme (HIS).
New joinees
Dependents coverage w.e.f. the DOJ, if enrollment within 2 months of 1st payroll
New joinees
Dependents coverage is discontinued w.e.f. the DOJ, if deletion within 2 months of 1 st
payroll
All deletion beyond that will be effective after the current financial year
Hospitalization
The insured person is admitted or deemed to have been admitted for min. 24 hrs
Claim would cover one month prior to admission to hospital, during hospitalization & one
moth from the date of discharge
Umbrella Cover
Umbrella cover provides additional cover of Rs.2 lakhs to the insured family
For treatment of tertiary ailment and subject to availability of buffer fund.
Overall cap of Rs. 2 crores p.a. for all employees of TCS & their families
Cumulative Bonus
In case an employee and family dont enter a claim under HIS during the financial year,
the cover for such family increases by 5% under Higher Hospitalization cover in the
next financial year.
Can be increase to a maximum of Rs. 6.5 lacs if a similar scenario is repeated in
subsequent years.
Self Injury, Suicide, Attempted suicide whilst under the influence of intoxicating
liquor, drugs insanity, war and allied perils, Ionizing radiation, flying of an aircraft
etc. are excluded under policy.
If the employee resigns during the FY, the applicable premium will be deducted
at the time of FFS
MR (A) at Vikhroli Receive the claim form from BMR, verify the
documents & collate the claims & forward to TCS
Corporate Finance
MR (B) at Vikhroli
Process the claim & give the cheque & statement to TCS
accounts
TCS Corporate Finance
The link for addition/ deletion of dependants (viz. spouse, children, parents) for
Health Insurance Scheme (HIS) coverage was available from May 6, 2008 to
May 15, 2008.
Dependant deletions done after May 15, 2008 will be effected only after March
31, 2009 and the premium for FY 2008-09 shall be applicable (if any).
Policy Document
FAQs
List of Hospitals