necessary changes has tobe made when we starting Mediclaim benefit to employee in Hr and Administrative dept.

Hi, I am working as a HR Admin in IT Company. We are going to start provide mediclaim facility to our employees. Please suggest that what are the necessary changes has tobe made when we starting Mediclaim benefit to employee in Hr and Administrative dept. Thank you.

Hi,

What do you mean by changes ?

Have a Mediclaim Policy in place and circulate among employees for awareness. Project free mediclaim benefit is being introduced as an employee welfare.

Policy should brief about the free mediclaim policy for employees like

Coverage limit per employee say one /two /three Lakhs

whether coverage is for employee alone or family as well.

Definition of family :- Father and Mother covered for unmarried ; spouse and 2 children for Married.

In case of resignation employee will not be able to use Mediclaim benefit

about cashless and reimbursement options

net work and non network hospitals

any disease wise capping if any

per day bed / ICU charges capping if any.

For employees covered under ESI this would be additional benefit.

Hi Aditi

Adding to Lakshminarayan

First of all you need to call various service providers/ brokers & discuss with them for the benefits available (Inclusions & Exclusions), check the benefits that the peer group is providing, Settlement period for both cashless & reimbursement cases, OPD facility if any & the costing as well .
Once policy is obtained then get the detailed policy copy from the insurer
Ask the broker to provide detailed awareness program either in person or virtual so that any doubts from the employees can be clarified between employee & brokers so that HR risk will get reduced.
You can ask SOPC & escalation matrix for claim settlement & disputes
& much more