GROUP MEDICLAIM POLICY-2023-24
Some salient features.
LIC has renewed the Group Mediclaim Scheme for
the year 2023-24 also with New India Assurance Company Ltd.
As per CO communication vide ED Personnel / ER -A 315 dtd 31.3.2023, renewed Mediclaim Policy for the year 2023-24 has certain changes
Compulsory family floater Sum Assured and corresponding benefit category have been revised wef 1.4.23
@ Up to Basic Pay Rs 96,139-Category 2 -Rs 10,00,000 (Compulsory family floater sum Assured )
@ Rs 96,140 Basic Pay and above-Category 1 -Rs 15,00,000 (Compulsory family floater sum Assured )
Earlier compulsory floater sum assured used to be Rs 5 Lakh ,Rs 6 Lakh & Rs 10 Lakh only ,depending upon basic pay of the employee*
Now ,that has been substantially improved to 2 categories(Rs 10 lakh & Rs 15 Lakh ).
Subsidy in premium is available for increased floater also.
The room rent limit in A class city is Rs 7,500 Per Day.( Rs.10,000 per day for those who opted for Sum Insured Rs. 40 lakhs , Rs. 50 lakhs & Rs 75 Lakhs)
For all categories, the Room rent limit for B class
cities is Rs.6,000 per day
For other Cities -Rs 4,000 Per Day
Very Important Point -Incase of admission to Hospital Room at rates beyond the above rates,the reimbursement of Expenses (Other than Cost of Medicines,Drugs and Implants),shall be reduced proportionately as per eligible Category in the Hospital
There is NO capping /Ceiling in case of ICU/ICCU Expenses
Room rents are exclusive of GST
18% GST on Premium payable by Employees/Retired Employees.However,GST on Subsidy on Premium shall be borne by the Corporation only
Under the new policy ,Insured can avail the facility of International Medical Second Opinion on treatment of Critical Conditions /Diseases
Facility of Tele consultation(24/7 Online) through Medi buddy Application
One Medical Examiner for Emergency purpose at premises of Central Office and each Zonal Office shall be made available through TPAs from 11 am to 4 pm on working Days
All other details will be provided in the Policy Bond ,to be issued later
A copy of CO circular sent separately for information of Units.