Benefit Of Group Medical Insurance For The Regular Employees Of West Bengal State Agricultural Marketing Board, Kamal Guha Krishi Bipanan Bhawan, 729, Anandapur, Kolkata - 700107, West Bengal And Their Dependent Family Members., Kolkata-West Bengal

Benefit of Group Medical Insurance for the regular employees of West Bengal State Agricultural Marketing Board, Kamal Guha Krishi Bipanan Bhawan, 729, Anandapur, Kolkata - 700107, West Bengal and their dependent family members.- 1 Providing Family floater medical group health insurance for35 Nos ofemployeesand 80 nosDependent (Spouse+ Parents+Children (maximum Two nos)) areto be covered policy with cashless facility covering .Rs. 7,50,000.00 / per familyincluding critical illnesses, pre-existing conditions, etc and also provide the Premium of the Policy for one insured family in Rupees ...... 2 1- Family Floater:- Self+ Spouse+ Parents+ Dependent Children up to age of 30 years (Dependent children (maximum Two nos) with any kind of disability should be covered on providing the supporting document for the same) 2- Pre-existing diseases to be covered from day one 3- 30 days waiting period to be waived-off. 4- Any other benefit available may be mentioned. 5- Room rent ceiling will be 1% of the sum Insured & for ICU 2% of the sum Insured. 6- Psychiatric treatment to be covered. 7- Treatment done through any advance technology e.g. Robotic Surgery/Gamma Ray Surgery, Cyber knife surgery to be covered without any capping if required based on age and health condition of the patient.8- Pre and post hospitalization cover 9. The employees are located at different locations in India; there shoud not be any deduction on the approval claim amount due to geographical limits. 10- Congenital internal diseases to be covered, external to be covered only if for non-cosmetic reasons. 11- Donor expenses to be covered within over all SI limit only.12- Homeopathic/Ayurvedic to be covered only if treatment is done in government hospitals/NABH/QCI accredited hospitals.13- Reasonable clause waiver can be considered considering the condition of the patient. 3 14- Ambulance charges- To be covered, in case emergency up to Rs. 1000/-(Will be paid from Hospital to Home also depending on condition of the patient)15- No deduction in case of employee death during hospitalization. Claim to be approved up to available sum insured.16- In case of employee death, coverage for family members to continue till policy expiry. 17.Claim settlement ratio minimum 97%18- Teleconsultation- Unlimited teleconsultations for employee and family members (complimentary). Option to opt for home sample collection and medicine delivery (employee paid on discounted basis19. Day Care treatment to covered upto limit of sum insured like Cancer/Heart Ailment/Kidney etc. as per standard list available Day Care treatment. 4 Employees 5 Age limit (36 yearto 45 year) 6 Age limit (46 yearto 50 year) 7 Age limit (51 yearto 55 year) 8 Age limit (56 yearto 60 year) 9 Spouse 10 Age limit (18 yearto 35 year) 11 Age limit (36 yearto 45 year) 12 Age limit (45 yearto 50 year) 13 Age limit (51 yearto 55 year) 14 Children 15 Age limit (0 yearto 17 year) 16 Age limit (18 yearto 35 year) 17 Father 18 Age limit (61 yearto 65 year) 19 Age limit (66 yearto 70 year) 20 Age limit (71 yearto 75 year) 21 Mother 22 Age limit (46 yearto 50 year) 23 Age limit (56 yearto 60 year) 24 Age limit (61 yearto 65 year) 25 Age limit (66 yearto 70 year) 26 Age limit (71 yearto 75 year) 27 Age limit (76 yearto 80 year)

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