Confused About Medical Insurance Deductions? How to Address This with Your Employer

My company has informed me that I am eligible for medical insurance, and Rs. 2500 per annum is added to my CTC in the appointment letter. However, my company has not provided the medical insurance. Also, in my payslip, I am not able to see any component called "Medical Insurance Amount," but in my special allowance, 208 is added. My company is claiming that they have paid my medical insurance amount, so they are not liable for my medical expenses. How can I get my medical expenses covered by my company? Can I sue the company for this issue?

"Can I sue against the company?"

Have you informed your company regarding the medical expenses incurred by you with documents? Were you on sick leave or medical leave during the period for which you have incurred medical expenses? Go to HR and seek clarifications about the nature of medical insurance, etc.

How did the idea of suing your company arise? It is not so easy and can also be expensive.

Dear Chandrasekar,

As you mentioned, the medical insurance premium is an annual CTC component, it need not be mentioned in the pay slip. You also need to seek clarity on the special allowance mentioned and the policy as suggested by your senior friend, Mr. Nathrao. There might be a chance that the insurance company has to be sent the bills for reimbursement if the premium is paid, so please check with your HR team to take the necessary actions on that.

Thank you.