Hi Seniors,
I have been working in an Engineering company as HR Manager from past 1.5 years. Our company has provided Mediclaim(both GMC & GPA) facilities to all its employees which has been lapsed due to non renewal of policy (policy ended on 3rd Dec-13). So one of our employee have undergone emergency surgery after lapse of medi claim policy. Now he cannot make a claim or get reimbursement due to expiry of policy. Then my question is whether company has the liability to pay for his medical expenses???? how can we tackle this situation.
thanks in advance for your valuable suggestion
Regards,
Manjunath
From India, Udupi
4I have been working in an Engineering company as HR Manager from past 1.5 years. Our company has provided Mediclaim(both GMC & GPA) facilities to all its employees which has been lapsed due to non renewal of policy (policy ended on 3rd Dec-13). So one of our employee have undergone emergency surgery after lapse of medi claim policy. Now he cannot make a claim or get reimbursement due to expiry of policy. Then my question is whether company has the liability to pay for his medical expenses???? how can we tackle this situation.
thanks in advance for your valuable suggestion
Regards,
Manjunath
From India, Udupi
Hi
GMC/GPA is given as a benefit from employer's end and its not mandatory. if the management has decided to withdraw the policy and not renewed is fine, then you need not to bare it. But the company policy says all employees are cover under the mediclaim policy and renewal is not done by the negligance of the company, then the employee can not be penalised. It is both ways. You can tell the employee that mediclaim is not there or the management can give the benefit and renew the policy.
The situation clearly states, the management has decided to withdraw the policy due to some reason, because the broking services will approach you a month prior to your policy expiry date. so the management is not liable to pay if its communicated to the employees nor the decision taken by management without informing.
GMC/GPA is given as a benefit from employer's end and its not mandatory. if the management has decided to withdraw the policy and not renewed is fine, then you need not to bare it. But the company policy says all employees are cover under the mediclaim policy and renewal is not done by the negligance of the company, then the employee can not be penalised. It is both ways. You can tell the employee that mediclaim is not there or the management can give the benefit and renew the policy.
The situation clearly states, the management has decided to withdraw the policy due to some reason, because the broking services will approach you a month prior to your policy expiry date. so the management is not liable to pay if its communicated to the employees nor the decision taken by management without informing.
Dear Manjunath,
The company has no liability to pay for his medical expenses.
You can tackle this situation, by telling your employees that if they want to go for a mediclaim policy and the company can arrange a camp or a lecture on it in its premises.
If you need more help on this let me know.
Regards,
Vijaya
Star Health & Allied Insurance Company Limited
From India, Mumbai
The company has no liability to pay for his medical expenses.
You can tackle this situation, by telling your employees that if they want to go for a mediclaim policy and the company can arrange a camp or a lecture on it in its premises.
If you need more help on this let me know.
Regards,
Vijaya
Star Health & Allied Insurance Company Limited
From India, Mumbai
Dear Manjunath,
Company is liable to pay the expense bill incurred by the employee. Employee was being covered under GMC and GPA. Did you intimate the employee that company has withdrawn/ not renew the policy ? If not, then how the employee know about that.
Secondly Now a days Employee are covered under ESIC/ GMC and GPA if their gross is more than RS 15000/- Employee also covered under Workmen Compensation Act. Employer has to bear the medical bills .
Warm regards,
Pranab Chakraborty
9404384433
From India, Mumbai
Company is liable to pay the expense bill incurred by the employee. Employee was being covered under GMC and GPA. Did you intimate the employee that company has withdrawn/ not renew the policy ? If not, then how the employee know about that.
Secondly Now a days Employee are covered under ESIC/ GMC and GPA if their gross is more than RS 15000/- Employee also covered under Workmen Compensation Act. Employer has to bear the medical bills .
Warm regards,
Pranab Chakraborty
9404384433
From India, Mumbai
Some companies extend the mediclaim facilities and the premia is part of the CTC. If it is part of CTC, the onus lies with the employer. Pon
From India, Lucknow
From India, Lucknow
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