Welcome to the Medi Assist Family

Medi Assist India TPA Pvt. Ltd. (Medi Assist) has been appointed as the Third Party Administrator (TPA) for
health insurance benefits management by your organization. As a privileged member of the Medi Assist
family, you are now eligible for hassle-free health insurance claims administration.

What this really means for you is that should you or any of your family members who are covered under
your insurance policy require hospitalization, we become the interface between you and your insurer. We
handle all the paperwork related to your claim; wherever possible, we give you the benefit of cashless
hospitalization; and we ensure that your claim is settled at the earliest.

Apart from hospitalization, Medi Assist also enables access to a range of wellness services at our network
hospitals and service providers – and we make these available to you online with our Medi Assist Online
Portal, and over your smartphone, with our mobile app, MediBuddy.

Please retain this booklet for quick help and future reference.
Here’s to healthy living!
India Medical Insurance - Policy Terms & Conditions
Insurance Company United India Insurance Company Ltd.
Third Party Administrator (TPA) Medi Assist India TPA (P) Ltd.
Policy Period Start Date 00:00 Hours of March 30, 2018
Policy Period End Date 00:00 Hours of March 29, 2019
Entry Age Limit 1 day to 90 years

Health Insurance Base Plans

Plan A
A 100% company sponsored plan in which you are provided default coverage (associates who are in the India
location) whereas your Spouse and up to two living children are provided coverage subject to enrolment
within the window period. Sum insured will be as per band.

A maximum of first two living children below 21 years, which can be extended up to 25 years only if they are
unmarried and unemployed girls, disabled children without income or are children pursuing higher studies
(subject to submission of Bonafide Certificate from the institution).

Plan B
This plan provides cover for your dependent Parents / Parents-in-law in addition to Spouse and up to two
children subject to enrolment within the window period. The premium of this plan will be borne by the
associate. Please refer to the premium table below for the same.

Plan C
This plan is designed for onsite employees only who wish to opt for health insurance coverage for any one
set of their parents / parents-in-law residing in India. The plan is opened only once in a year during the
annual enrolment period for associates located onsite. The premium of this plan will be entirely borne by the
associate, please refer to the premium table below for the same.

On their return to India, only Plan A will be given as a part of enrolment and the sum insured of Plan A and
Plan C taken earlier cannot be considered as a single sum insured. Option will be provided only if associates
have not opted for enrolment during the annual renewal window.

Premium Table

Premium Grid
Plan U1 to U3 U4 & P1 P2 & above
Type Sum Premium Sum Premium Sum Premium
Insured Amount Insured Amount Insured Amount
Plan A 2 lakhs 0 3 lakhs 0 4 lakhs 0
Plan B 1 lakhs 12650 1 lakhs 20020 2 lakhs 25640
Plan A+B
3 lakhs 12650 4 lakhs 20020 6 lakhs 25640
(Floater)
1 lakh 9500 1 lakh 9500 1 lakh 9500
Plan C 2 lakhs 17600 2 lakhs 17600 2 lakhs 17600
3 lakhs 26200 3 lakhs 26200 3 lakhs 26200

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Premiums and sum insured amounts mentioned above are per annum. Associates who have opted during
the year will be charged premium on a prorate basis from the date of joining.

Associates with a Direct Contract officer code will be provided only self-coverage, and the coverage amount
will be as per the band.

Premium shall remain the same whether you add one or both parents.

“The premium changes would commensurate with market behavior every year.”

This insurance cover is for treatment taken within India only.

NOTE:

 No mid-term inclusion for dependents enrolment. However, the same is excluded for newly
married Spouse within 90 days from date of marriage and New born child (first two living
children) within 90 days from the date of birth. Therefore, the Reimbursement claim
payment will be delayed due to the member addition endorsement occurring during mid-
term of the policy period. Hence, request everyone to opt for CASHLESS.

 No change in the associate Plan / Coverage amount due to mid-term change in band / salary
/ designation during policy year.

 Dependents enrolled under Plan B for insurance coverage will be locked for 3 Plan years and
adverse selection (Parents & Parents-in-law) will not be allowed.

 Third Child Coverage - The third child may be covered ONLY in case the first or second delivery
resulting in twins. The Associate will however need to pay an additional premium.

Premium Grid
Plan U1 to U3 U4 & P1 P2 & above
Type Sum Premium Sum Premium Sum Premium
Insured Amount Insured Amount Insured Amount
Third
Child 2 lakhs 1100 3 lakhs 1670 4 lakhs 2240
(Plan A)
Third
Child 3 lakhs 2870 4 lakhs 4480 6 lakhs 5800
(Plan B)

On account of separation from the organization, the coverage for all plans under Group
Mediclaim Policy will end on the last working day at Tech Mahindra and the prorated
premium amount will be refunded with F&F Settlement in case there was no claim
reported against any of the enrolled beneficiaries.

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Health Insurance Optional Plan: Top-Up Cover
An optional top-up cover of additional sum insured is also available in addition to the above mentioned base
plans. Coverage for you and your family members will be as per the beneficiaries enrolled in the base plan.

The base plan sum insured is based on the Band of the Associate and Top-Up is an optional plan which can
be opted by paying an additional premium.

The additional premium payable for the same is as per details mentioned below:

Top Up Premium (Premiums are inclusive of 18% GST)

Top Up Premium Grid

Sum Insured (INR) Premium (per annum)
200000 6809
300000 7729
400000 8254
500000 9788
1000000 12620
1500000 18526

“The premium changes would commensurate with market behavior every year.”

Salient Features of the Top-Up Cover

• Top Up plan opted for the first time will have waiting period of 3 months for the claims related to
Pre Existing Disease (PED) ailments.
• The terms and conditions are identical to those of the base policy comprising of co-pay,
disease/ailment wise capping, pre and post hospitalization benefits, etc.
• All sub-limits and capping will be applied as per sum insured of the base plan.
• Top-up cover will get activated when sum insured / disease / major surgery sub-limit is exhausted in
the base policy. Once the sub-limit is exhausted in the base policy, the same sub-limit clause
becomes applicable again in the top-up (Up to Maximum Top Up Sum Insured opted).
• Top-up cover utilization for hospitalization expenses will be covered under cashless benefit subject
to policy admissibility.
• Expenses related to maternity benefits are excluded from the scope of the top-up cover.
• Items deducted for a claim processed under family floater (of the base plan) like excess room rent /
ICU rent / non-payable items / co-payment amount cannot be claimed from top-up cover.

Maternity Expenses

 Maternity is covered without any waiting period up to INR 40,000 for normal and INR 50,000 for C-
section.

 Day one cover for the new-born baby subject to enrolment.

 Pre-natal and post-natal maternity expenses are not covered.

 Expenses incurred towards well baby care hospitalization are not admissible.

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  In addition to existing condition, New born coverage related to Jaundice to be considered separate
coverage, which will not be included in Maternity limit. This coverage will have capping of
INR 15,000 with 10% co-payment.

 A co-payment of 10% will be applicable on the maternity limit & Neo Natal Jaundice sublimit.
 All Maternity expenses traceable to pregnancy, childbirth including normal Caesarean Section will be
included within Maternity Limit. This benefit is extended up to two living children only. (Those
insured persons who are already having two or more living children will not be eligible for maternity
expenses benefit).

Claim/Coverage Criteria
 A Hospital established for in-patient care and day care treatment of illness and/or injuries and which
has been registered as a Hospital with the local authorities under the Clinical establishments
(Registration and Regulation) Act, 2010 or under the enactments specified under the Schedule of
Section 56(1) of the said Act OR complies with all minimum criteria as under:
o Has qualified nursing staff under its employment round the clock.
o Have at least 10 in-patient beds in towns having a population of less than 10 lacs and at least 15
in-patient beds in all other places.
o Has qualified medical practitioner(s) in charge round the clock.
o Has a fully equipped Operation Theatre of its own where surgical procedures are carried out.
o Maintains daily records of patients and makes these accessible to the insurance company's
authorized personnel.

Please refer to the Network Hospitals information in the home page of our MediBuddy Web Portal (via EASY
Portal login https://easy.techmahindra.com)

In the event of any claim admissible under this scheme, the insurance company will pay to the hospital,
nursing home or the insured person, the amount of such expenses as would fall under different heads
mentioned below:

o Room, boarding and nursing expenses as provided by the hospital or nursing home not
exceeding 1.5% of the base plan sum insured per day or the actual amount, whichever is
less. This also includes nursing care, RMO charges, IV fluid charges, blood transfusion
charges, injection administration charges and similar expenses.
o Intensive Care Unit (ICU) expenses not exceeding 3% of the base plan sum insured per day or
actual amount, whichever is less.
o Proportionate expenses are not applicable except for room rent eligibility.
o Surgeon, anesthetist, medical practitioner, consultants, specialists’ fees. Anesthetic, blood,
oxygen, operation theatre charges, surgical appliances, medicines & drugs, dialysis,
chemotherapy, radiotherapy, cost of artificial limbs, cost of prosthetic devices implanted
during surgical procedures like pacemaker, orthopedic implants, infra-cardiac valve
replacements, vascular stents, relevant laboratory/diagnostic tests, X-rays and such similar
expenses that are medically necessary.
o Hospitalization expenses (excluding the cost of organs) incurred on the donor with respect
to organ transplant to the insured will be covered within the major surgery ailment capping
limit per hospitalisation / surgery.
o INR 1,000 is payable for ambulance services per hospitalization (AMBULANCE Payable-
Ambulance from home to hospital or inter-hospital shifts is payable/ RTA as specific
requirement is payable).

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  Each and every claim is subject to 10% co-pay on the total approved claim amount unless specifically
exempted.
 Expenses in respect of the following specified illnesses/surgeries will be restricted as detailed below:
o Cataract: 10% of the sum insured or INR 25,000, whichever is less and 10% co-pay
o Hernia and hysterectomy: 20% of the sum insured or INR 60,000, whichever is less and 10%
co-pay for parents only
o Major surgeries*: 75% of the sum insured or INR 3,00,000, whichever is less and 10% co-pay
for parents only

*Major surgeries include cardiac surgeries; brain tumor surgeries; pacemaker implantation; cancer
surgeries; hip, knee, joint replacement surgeries; and organ transplant. The above limits specified are
applicable per hospitalization/surgery.

 Pre and post hospitalization expenses payable with respect to each hospitalization shall be the actual
expenses incurred (pre-hospitalization up to 30 days and post hospitalization up to 60 days).

o Pre-hospitalization Medical Expenses: Medical expenses incurred for up to 30 days prior to

the admission date will be considered as part of a claim as mentioned above provided that:
 Such medical expenses are incurred for the same condition for which the insured
person’s hospitalization was required.
 The inpatient hospitalization claim for such hospitalization is admissible by the
insurance company.

o Post-hospitalization Medical Expenses: Relevant medical expenses incurred for up to 60

days from the date of discharge will be considered provided that:
 Such medical expenses are incurred for the same condition for which the insured
person’s hospitalization was required.
 The in-patient hospitalization claim for such hospitalization is admissible by the
insurance company.

 Claim should be submitted within 30 days from the Date of Discharge.

 Expenses on hospitalization for a minimum period of 24 hours are admissible. However, this time
limit is not applicable to specific treatments or day care procedures (please refer to the
APPENDIX for a complete list).
 Oral Chemotherapy and ARMD are covered in the policy.
 For AYUSH Treatment, hospitalization expenses are admissible only when the treatment has been
undergone in a government hospital or in any institute recognized by the government and/or
accredited by the Quality Council of India / National Accreditation Board of Health.
 The below mentioned non-medical payments are covered under the current policy:
o HIV investigation charges, IV cannula charges, IV injection charges, additional doctor
charges, bandage, plaster, cotton pads, gloves, electrolytes, cotton bandage, surgical tape,
oxygen consumption charges, nebulizer charges, oxygen mask charges.

Exclusions
The company shall not be liable to make any payment under this policy for any expenses whatsoever
incurred by any insured person in connection with or in respect of:

 Injury / disease directly or indirectly caused by or arising from or attributable to war, invasion, act of
foreign enemy, war-like operations (whether war has been declared or not).

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 Circumcision unless necessary for treatment of a disease not excluded here under or as may be
necessitated due to an accident.
 Vaccination or inoculation of any kind unless it is post animal bite, change of life or cosmetic or
aesthetic treatment of any description such as correction of eyesight, etc.
 Plastic surgery other than as may be necessitated due to an accident or as a part of any illness.
 Cost of braces, equipment or external prosthetic devices, non-durable implants, eyeglasses, Cost of
spectacles and contact lenses, hearing aids including cochlear implants, durable medical equipment.
 Dental treatment or surgery of any kind unless necessitated by accident and requiring
hospitalization.
 Convalescence, general debility, run-down condition or rest cure, obesity treatment and its
complications including morbid obesity; congenital external disease / defects or anomalies,
treatment relating to all psychiatric and psychosomatic disorders, infertility, sterility, venereal
disease, intentional self-injury, use of intoxication drugs / alcohol.
 All expenses arising out of any condition directly or indirectly caused by or associated with Human T-
Cell Lymphotropic Virus Type III (HTLB - III) or Lymphadenopathy Associated Virus (LAV) or the
Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind,
commonly referred to as AIDS.
 Charges incurred at a hospital or nursing home primarily for diagnosis, x-ray or laboratory
examinations or other diagnostic studies not consistent with or incidental to the diagnosis and
treatment of positive existence of presence of any ailment, sickness or injury for which confinement
is required at a hospital or nursing home. (Admission for diagnosis, evaluation, investigation,
observation etc. is not admissible).
 Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified
by the attending physician.
 Injury or disease directly or indirectly caused by or contributed to by nuclear weapon / materials.
 Naturopathy treatment, acupressure, acupuncture, magnetic therapies, experimental and unproven
treatments/ therapies. Treatments including experimental drug therapy not based on established
medical practice in India, experimental or unproven treatments / therapies.
 External and/or durable medical / non-medical equipment of any kind used for diagnosis and/or
treatment including CPAP, CAPD, infusion pump, etc. Ambulatory devices, i.e., walker, crutches,
belts, collars, caps, splints, slings, braces, stockings, Elastic-crepe bandages, external orthopedic
pads, subcutaneous insulin pump, diabetic footwear, glucometer / thermometer, alpha / water bed
and similar related items, etc., and also any medical equipment, which is subsequently used at home
etc.
 Genetic disorders and stem cell implantation/surgery.
 Change of treatment from one system of medicine to another unless recommended by the
consultant/hospital under which the treatment is taken.
 Treatment such as rotational field quantum magnetic resonance (RFQMR) enhanced external
counter pulsation (EECP), etc.
 All non-medical expenses including convenience items for personal comfort such as charges for
telephone, television, ayah, private nursing/barber or beauty services, diet charges, baby food,
cosmetics, tissue paper, diapers, sanitary pads, toiletry items and similar incidental expenses.
 Any kind of service charges, surcharges, admission fees/registration charges, luxury tax and similar
charges levied by the hospital.
 All non-Medical expenses. For detailed list of non-medical expenses, please log on to our website
www.uiic.co.in.
 Domiciliary treatment is not covered.

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  Non-Conventional drugs like Hormonal therapy/Adjuvant therapy/Immune modulators in cancer
treatment are payable if it forms part of main hospitalization. Such medicines when administered in
isolation cannot be considered as such treatment does not fall under day care procedures.
 Treatment for Sleep Apnoea Syndrome, treatments such as Rotational Field Quantum Magnetic
Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP),
Hyperbaric Oxygen Therapy and CPAD (Continuous Peritoneal Ambulatory Dialysis)
 Monitor charges are not payable.
 Holter Monitoring is not payable.
 For claims related to Robotic/Gamma Knife/Cyber Knife, liability to be restricted to conventional
radiotherapy as per policy guidelines.
 Laser assisted Hemorrhoidectomy / Fistula / Prostatectomy / Coblation assisted Tonsillectomy –
Claim liability is restricted to cost of conventional surgery.
 Attendant charges including food, bed, travel charges for any ailments are not admissible.
 Femto Second Laser Cataract Surgery - Claim liability is restricted to cost of MICS.
 Multi Focal Lens – Claim liability restricted to the cost of monofocal lens.
 HIFU (High intensity focused ultrasound)/MR GUIDED Focused Ultra sonographic Surgery (MRgFUS)
for Uterine Fibroids - Claim liability is restricted to cost of conventional Myomectomy.
 Balloon Kyphoplasty - Claim liability is restricted to cost of conventional surgery (Stabilization of
spine).
 Balloon Sinuplasty - Claim liability is restricted to cost of FESS.
 Video Assisted Fistula Treatment (VAFT) - Claim liability is restricted to cost of conventional
Fistulectomy.
 Deep Brain Stimulation (DBS) – Payable for Parkinson’s disease only. Not payable for Psychiatric
ailments. Not to be considered on standalone basis or when hospitalisation is done only for
administration of this therapy.
 Bio Absorbable Stent – Liability to be restricted to the cost of Drug Eluting Stent (DES).
 Bariatric Surgery – Claim not payable as its excluded under policy (Obesity and its complications).
 Radio Frequency Ablation (RFA) for Varicose Veins – Claim liability to be restricted to the cost of
Laser treatment.
 Ozone / Hyperbaric Oxygen therapy – Claim not admissible as it is not a proven treatment.
 Artificial Pancreas System – claim not payable as it is not a customary procedure.
 Epidural Injections – Claim not payable as it does not require 24 hours hospitalisation.
 Replacement of Battery and/or Leads of Pacemaker - Only cost of Prosthetic devices implanted
during surgical procedure is payable.
 Diagnostics test sent abroad - Not payable as our geographical limits is only India.
 Ayurvedic doctor’s prescribing allopathic treatment – Claim not payable.

Claim Procedure
Cashless Hospitalization Process
Cashless hospitalization is a facility provided by the insurance company where the policyholder can get
admitted and undergo necessary treatment without paying the hospital directly for the medical expenses.
The eligible medical expenditure which is incurred is settled by the insurance company directly with the
hospital. You can avail cashless hospitalization only in the hospitals that are part of your TPA’s network.

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Medi Assist enables you to avail cashless hospitalization at a hospital that falls within your insurer’s network
and also entitles you to discounts and reduced package tariffs at these hospitals. Hospitalization and related
expenses can be made cashless upon approval of pre-authorization based on your policy cover. It allows you
the relief of no upfront payments from your pocket.

At Medi Assist, you can avail cashless and eCashless hospitalization at our network of hospitals.

Cashless hospitalization can be availed only at a Medi Assist network hospital upon approval of your
preauthorization application. In the event of hospitalization at a network hospital for a procedure covered
under your health insurance policy:

 Emergency Hospitalization: This typically happens in case of emergencies such as road traffic
accident. The hospital that the Associate/dependent was hospitalized happens to be one of our
network hospitals.

 Planned Hospitalization: Where the Associate/dependent plans the admission at our network
hospital in advance. Ex: Surgery scheduled after 7 days.

The hospital may ask you to pay the following expenses at the time of discharge as they are not covered
under the policy:

 Non-medical expenses.
 Applicable co-pay amount.
 Any expenses not payable as per insurance policy or above the limit (e.g. excess room rent,
admission charges, service charges, etc.)

Emergency hospitalization

1. Search for a network hospital

o Visit network.medibuddy.in to find a hospital that falls within your insurer network or click the
‘Hospital’ tile on your MediBuddy (via EASY Portal login).
o The Hospital tile on MediBuddy also gives you full details for the list of hospitals including location,
specialties, packages and more

2. During admission, present your Medi Assist E-card along with any other valid Government ID. You
can click the ‘E-card’ tile on MediBuddy to view your MA ID card

3. Ensure that the hospital sends your preauthorization form to Medi Assist, your TPA.
o MediBuddy+ hospital portal: Log the request online (or)
o Email: preauthhyd@mediassistindia.com
You will receive updates on the status of your claim throughout the lifecycle of the claim.

4. Medi Assist sends the approval to the hospital. Further enhancement approvals may be issued on
request, subject to the terms and conditions of the policy.

5. Track your claim in real-time:

o Click the Claims tile on the MediBuddy app (OR)

o Log into me.medibuddy.in and click the Claims tab (OR)

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 o Visit track.medibuddy.in to search claims by Claim ID, MA ID, or Employee ID (OR)
o SMS ‘Claims (Claim Number)’ to +91 966 314 9992

6. In case the request cannot be approved or if the expenses are not covered by your policy, you will
have to settle the hospital bill in full and subsequently raise a reimbursement claim after
discharge. Do remember that denial of a preauthorization request must not be construed as
a denial of treatment or denial of coverage.

7. After discharge, the hospital will send all the documents related to your claim to Medi Assist for
settlement. Kindly retain the copy of the claim documents for your reference.

Do Note:

o The list of network hospitals is subject to change, with hospitals being empaneled on a regular
basis. To access the latest list of hospitals in your insurer network, visit network.medibuddy.in or
use the GPS-enabled Hospital search option on your MediBuddy portal and app.
o The hospital will ask you to pay for all the non-medical expenses in your bill.
o You will have to pay for all pre- and post-hospitalization expenses. These can be claimed only
after the settlement of the main hospitalization claim.

8. At the time of discharge, check and sign the original bills and the discharge summary. Do carry home
a copy of the signed bill, discharge summary and all your investigation reports for future reference.

Note: In case of suppression of material facts or misrepresentation of facts by the hospital or the insured,
the pre-authorization issued for the cashless facility will stand cancelled. The insured will be liable to settle
the hospital bill in full.

Circumstances under which cashless hospitalization may be rejected:

 If the information contained in the request is insufficient for Medi Assist to arrive at a decision and
further information is not available for whatever reasons.
 The ailment for which hospitalization is sought is not covered under the particular insurance policy
for reason like pre-existing conditions, specific exclusions, etc.
 The insured has already exhausted the insurance coverage for the year.
 If the request is received after 24 hours from the time of admission and 6 hours before the time of
discharge.

Note: Denial of a preauthorization request must not be construed as denial of treatment or denial of
coverage.

Planned Hospitalization

eCASHLESS: ( Planned hospitalization at your convenience, your choice, and your fingertips)

You can now opt for planned hospitalization using Medi Assist’s eCashless facility. eCashless is the most
hassle-free way to undergo a planned cashless hospitalization.

eCashless gives you the power to get a provisional preauthorization even before you walk into the hospital.

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With typical cashless hospitalization, the pre-authorization process takes time and this can be stressful
especially on the day of your admission to the hospital as you have to wait for long hours at the insurance
desk at the hospital but with eCashless, you can obtain a provisional pre-authorization well in advance of
your hospitalization.

It also gives you full visibility into the estimated cost of treatment at any network hospital of your choice. All
you need to do is carry your ID card, provisional pre-authorization on your MediBuddy app and your Medi
Assist E-Card while getting admitted to the hospital.

Note: The eCashless facility must not be used for emergency hospitalizations/ Out-Patient appointments/
Health checks. Cashless approval is subject to your policy terms and conditions and availability of sum
insured.

Reimbursement Claim Process

You can raise a reimbursement claim in the event of denial of pre-authorization, treatment at a *non-
network hospital or for a procedure that is not eligible for cashless hospitalization:

• Please settle the hospital bill, collect all original hospitalisation documents and Claim documents
should be handed over to the respective location Helpdesk.
• In case of non-availability of the Helpdesk at your location, claim documents can be sent to the
nearest location Helpdesk (Please refer to the Helpdesk Scheduler for address).

• The medical team at Medi Assist processes the claim:

o Once the claim is Approved, the amount is reimbursed either via NEFT by insurance
company.
o In case your claim is denied, the denial letter is sent to you by courier / post / e-mail quoting
the reason for denial of your claim by insurance company.

The following are the mandatory documents required for availing reimbursement claims:

 Original detailed discharge summary

 Original investigation reports, payment receipts (pre-numbered) along with the doctor's advice
 Original final hospital bill - consolidated and with detailed breakup and relevant cash paid receipts
 Detailed breakup of the surgical package if any
 Medicine bills with doctor's prescriptions
 MLC Certificate from the hospital in case of road traffic accident
 Obstetric history / antenatal scan report in case of maternity claims
 Scan report in case of cataract claim
 Photostat copy of the associate’s Tech M ID; in case of dependent claim, attach photo ID proof (pan
card/ passport/ ration card/ election card)
 All the bank account details of the associate must be filled out in the claim form.
 Cancelled cheque leaf (bank account details must be of the associate only)

The above mentioned documentsk are not exhaustive, but may differ on a case to case basis; additional
documents can be called for after the medical scrutiny.

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*The hospital should be registered with the local authority and must have a registration certificate to that
effect. The medical practitioner should hold a certificate of a recognized institution and must be registered by
the medical council of the respective state.

Self-Help Tools
Medi Assist Online Portal: MediBuddy
The Medi Assist MediBuddy, is more than just a corporate portal that allows you to manage your corporate
health insurance policy. MediBuddy is your personalized gateway to managing your health and reducing cost
of healthcare for your family.

 Log into https://easy.techmahindra.com with your TechM username and password to begin.

 Please click on “ India Medical Insurance” on EASY Portal as per below path:

EASY > HUMAN RESOURCE > INDIA MEDICAL INSURANCE

(Please use Google Chrome or Firefox or IE ver 9.0 & above)

• Log into MediBuddy Online and click the links in the Medical Insurance tab to understand the details
of your policy before proceeding with the enrolment.
• Go to Medical Insurance > Online Enrolment to view the details of all your beneficiaries once the
enrolment process is complete.
• Go to Medical Insurance > Download E-Card tab to generate and print out a Medi Assist ID card on
the fly.
• Go to Hospitalization > Network Hospitals to browse through our extensive list of network hospitals
across the country.
• Click Wellness to choose a package and book an appointment from the convenience of your home
or office.

About MediBuddy∞ (https://infiniti.medibuddy.in)

MediBuddy∞ is a curated network for outpatient services. Featuring top hospitals and diagnostic centres, you
will be able to compare and "shop" for health screening packages, consultation with doctors and prescription
medicines. We leverage our strong partnership with leading hospitals and diagnostic centres to get deep
discounts on the MRP of the packages and medicines listed on MediBuddy∞. And all that you need to start
exploring this exclusive healthcare netwotk is your MediBuddy account.
MediBuddy∞ is also unique in that it is India’s first curated cashless network for outpatient services. You will
very soon be able to avail the wellness services on MediBuddy∞ in a cashless format by pegging your
purchases against your domiciliary or corporate health benefits, wherever applicable.
Medi Assist is providing a platform, MediBuddy∞, for you to pick and choose from the choicest of wellness
offerings from your trusted diagnostic centres. You can use MediBuddy∞ to schedule appointments for health

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checks, consultations or to order medicines online. It offers health check packages, pharmacy for placing
orders for medicines with our pharmacy partners and appointment booking services for consultations with
specialists. It is exclusively for wellness services.

Medi Assist has brought together the services from your trusted diagnostic centres on MediBuddy∞ who list
their catalogues independently. All the listed service providers give special discounts on their packages to
Medi Assist members.

You can explore MediBuddy∞ with your desktop or a mobile app. However, if you need to purchase a
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Appendix
ANNEXURE I: LIST OF DAY CARE PROCEDURES:
SNO DAY CARE PROCEDURE SNO DAY CARE PROCEDURE
1 Stapedotomy 2 Excision And Destruction Of A Lingual Tonsil
Other Operations On The Tonsils And
3 Stapedectomy 4
Adenoids
5 Revision Of A Stapedectomy 6 Incision On Bone, Septic And Aseptic
Closed Reduction On Fracture, Luxation Or
7 Other Operations On The Auditory Ossicles 8
Epiphyseolysis With Osteosynthesis
Suture And Other Operations On Tendons
9 Myringoplasty (Type -I Tympanoplasty) 10
And Tendon Sheath
Tympanoplasty (Closure Of An Eardrum
11 Perforation/Reconstruction Of The 12 Reduction Of Dislocation Under Ga
Auditory Ossicles)
13 Revision Of A Tympanoplasty 14 Arthroscopic Knee Aspiration
Other Microsurgical Operations On The
15 16 Incision Of The Breast
Middle Ear
17 Myringotomy 18 Operations On The Nipple
Incision And Excision Of Tissue In The
19 Removal Of A Tympanic Drain 20
Perianal Region
Incision Of The Mastoid Process And
21 22 Surgical Treatment Of Anal Fistulas
Middle Ear
23 Mastoidectomy 24 Surgical Treatment Of Haemorrhoids
Division Of The Anal Sphincter
25 Reconstruction Of The Middle Ear 26
(Sphincterotomy)
Other Excisions Of The Middle And Inner
27 28 Other Operations On The Anus
Ear
29 Fenestration Of The Inner Ear 30 Ultrasound Guided Aspirations

31 Revision Of A Fenestration Of The Inner Ear 32 SclerotherapyEtc

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 Incision (Opening) And Destruction
33 34 Incision Of The Ovary
(Elimination) Of The Inner Ear
Other Operations On The Middle And Inner
35 36 Insufflation Of The Fallopian Tubes
Ear
Excision And Destruction Of Diseased
37 38 Other Operations On The Fallopian Tube
Tissue Of The Nose
Operations On The Turbinates (Nasal
39 40 Dilatation Of The Cervical Canal
Concha)
41 Other Operations On The Nose 42 Conisation Of The Uterine Cervix
43 Nasal Sinus Aspiration 44 Other Operations On The Uterine Cervix
45 Incision Of Tear Glands 46 Incision Of The Uterus (Hysterotomy)
47 Other Operations On The Tear Ducts 48 Therapeutic Curettage
49 Incision Of Diseased Eyelids 50 Culdotomy
Excision And Destruction Of Diseased
51 52 Incision Of The Vagina
Tissue Of The Eyelid
Local Excision And Destruction Of Diseased
53 Operations On The Canthus And Epicanthus 54 Tissue Of The Vagina And The Pouch Of
Douglas
Corrective Surgery For Entropion And
55 56 Incision Of The Vulva
Ectropion
57 Corrective Surgery For Blepharoptosis 58 Operations On Bartholin’S Glands (Cyst)
Removal Of A Foreign Body From The
59 60 Incision Of The Prostate
Conjunctiva
Removal Of A Foreign Body From The Transurethral Excision And Destruction Of
61 62
Cornea Prostate Tissue
Transurethral And Percutaneous Destruction
63 Incision Of The Cornea 64
Of Prostate Tissue
Open Surgical Excision And Destruction Of
65 Operations For Pterygium 66
Prostate Tissue
67 Other Operations On The Cornea 68 Radical Prostatovesiculectomy
Removal Of A Foreign Body From The Lens Other Excision And Destruction Of Prostate
69 70
Of The Eye Tissue
Removal Of A Foreign Body From The
71 72 Operations On The Seminal Vesicles
Posterior Chamber Of The Eye
Removal Of A Foreign Body From The Orbit
73 74 Incision And Excision Of Periprostatic Tissue
And Eyeball
75 Operation Of Cataract 76 Other Operations On The Prostate
Incision Of The Scrotum And Tunica Vaginalis
77 Incision Of A Pilonidal Sinus 78
Testis
Other Incisions Of The Skin And
79 80 Operation On A Testicular Hydrocele
Subcutaneous Tissues
Local Excision Of Diseased Tissue Of The Excision And Destruction Of Diseased Scrotal
81 82
Skin And Subcutaneous Tissues Tissue
Other Excisions Of The Skin And Plastic Reconstruction Of The Scrotum And
83 84
Subcutaneous Tissues Tunica Vaginalis Testis

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 Simple Restoration Of Surface Continuity Other Operations On The Scrotum And
85 86
Of The Skin And Subcutaneous Tissues Tunica Vaginalis Testis
87 Free Skin Transplantation, Donor Site 88 Incision Of The Testes
Excision And Destruction Of Diseased Tissue
89 Free Skin Transplantation, Recipient Site 90
Of The Testes
91 Revision Of Skin Plasty 92 Unilateral Orchidectomy
Other Restoration And Reconstruction Of
93 94 Bilateral Orchidectomy
The Skin And Subcutaneous Tissues
95 Chemosurgery To The Skin 96 Orchidopexy
Destruction Of Diseased Tissue In The Skin
97 98 Abdominal Exploration In Cryptorchidism
And Subcutaneous Tissues
Incision, Excision And Destruction Of Surgical Repositioning Of An Abdominal
99 100
Diseased Tissue Of The Tongue Testis
101 Partial Glossectomy 102 Reconstruction Of The Testis
Implantation, Exchange And Removal Of A
103 Glossectomy 104
Testicular Prosthesis
105 Reconstruction Of The Tongue 106 Other Operations On The Testis
Corrective Surgery For Entropion And
55 56 Incision Of The Vulva
Ectropion
57 Corrective Surgery For Blepharoptosis 58 Operations On Bartholin’S Glands (Cyst)
Removal Of A Foreign Body From The
59 60 Incision Of The Prostate
Conjunctiva
Removal Of A Foreign Body From The Transurethral Excision And Destruction Of
61 62
Cornea Prostate Tissue
Transurethral And Percutaneous Destruction
63 Incision Of The Cornea 64
Of Prostate Tissue
Open Surgical Excision And Destruction Of
65 Operations For Pterygium 66
Prostate Tissue
67 Other Operations On The Cornea 68 Radical Prostatovesiculectomy
Removal Of A Foreign Body From The Lens Other Excision And Destruction Of Prostate
69 70
Of The Eye Tissue
Removal Of A Foreign Body From The
71 72 Operations On The Seminal Vesicles
Posterior Chamber Of The Eye
Removal Of A Foreign Body From The Orbit
73 74 Incision And Excision Of Periprostatic Tissue
And Eyeball
75 Operation Of Cataract 76 Other Operations On The Prostate
Incision Of The Scrotum And Tunica Vaginalis
77 Incision Of A Pilonidal Sinus 78
Testis
Other Incisions Of The Skin And
79 80 Operation On A Testicular Hydrocele
Subcutaneous Tissues
Local Excision Of Diseased Tissue Of The Excision And Destruction Of Diseased Scrotal
81 82
Skin And Subcutaneous Tissues Tissue
Other Excisions Of The Skin And Plastic Reconstruction Of The Scrotum And
83 84
Subcutaneous Tissues Tunica Vaginalis Testis

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 Simple Restoration Of Surface Continuity Other Operations On The Scrotum And
85 86
Of The Skin And Subcutaneous Tissues Tunica Vaginalis Testis
87 Free Skin Transplantation, Donor Site 88 Incision Of The Testes
Excision And Destruction Of Diseased Tissue
89 Free Skin Transplantation, Recipient Site 90
Of The Testes
91 Revision Of Skin Plasty 92 Unilateral Orchidectomy
Other Restoration And Reconstruction Of
93 94 Bilateral Orchidectomy
The Skin And Subcutaneous Tissues
95 Chemosurgery To The Skin 96 Orchidopexy
Destruction Of Diseased Tissue In The Skin
97 98 Abdominal Exploration In Cryptorchidism
And Subcutaneous Tissues
Incision, Excision And Destruction Of Surgical Repositioning Of An Abdominal
99 100
Diseased Tissue Of The Tongue Testis
101 Partial Glossectomy 102 Reconstruction Of The Testis
Implantation, Exchange And Removal Of A
103 Glossectomy 104
Testicular Prosthesis
105 Reconstruction Of The Tongue 106 Other Operations On The Testis
Surgical Treatment Of A Varicocele And A
107 Other Operations On The Tongue 108
Hydrocele Of The Spermatic Cord
Incision And Lancing Of A Salivary Gland
109 110 Excision In The Area Of The Epididymis
And A Salivary Duct
Excision Of Diseased Tissue Of A Salivary
111 112 Epididymectomy
Gland And A Salivary Duct
113 Resection Of A Salivary Gland 114 Reconstruction Of The Spermatic Cord
Reconstruction Of A Salivary Gland And A Reconstruction Of The Ductus Deferens And
115 116
Salivary Duct Epididymis
Other Operations On The Salivary Glands Other Operations On The Spermatic Cord,
117 118
And Salivary Ducts Epididymis And Ductus Deferens
External Incision And Drainage In The
119 120 Operations On The Foreskin
Region Of The Mouth, Jaw And Face
Local Excision And Destruction Of Diseased
121 Incision Of The Hard And Soft Palate 122
Tissue Of The Penis
Excision And Destruction Of Diseased Hard
123 124 Amputation Of The Penis
And Soft Palate
Incision, Excision And Destruction In The
125 126 Plastic Reconstruction Of The Penis
Mouth
127 Plastic Surgery To The Floor Of The Mouth 128 Other Operations On The Penis
129 Palatoplasty 130 Cystoscopical Removal Of Stones
131 Other Operations In The Mouth 132 Lithotripsy
Transoral Incision And Drainage Of A
133 134 Coronary Angiography
Pharyngeal Abscess
135 Tonsillectomy Without Adenoidectomy 136 Haemodialysis
137 Tonsillectomy With Adenoidectomy 138 Radiotherapy For Cancer
139 Cancer Chemotherapy 140 ARMD & Oral Chemotherapy

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SNO LIST OF EXPENSES EXCLUDED ("NON-MEDICAL") SUGGESTIONS
TOILETRIES/COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS
1 HAIR REMOVAL CREAM Not Payable
2 BABY CHARGES (UNLESS SPECIFIED/INDICATED) Not Payable
3 BABY FOOD Not Payable
4 BABY UTILITES CHARGES Not Payable
5 BABY SET Not Payable
6 BABY BOTTLES Not Payable
7 BRUSH Not Payable
8 COSY TOWEL Not Payable
9 HAND WASH Not Payable
10 M01STUR1SER PASTE BRUSH Not Payable
11 POWDER Not Payable
12 RAZOR Payable
13 SHOE COVER Not Payable
14 BEAUTY SERVICES Not Payable
Essential and may be paid specifically for cases
15 BELTS/ BRACES who have undergone surgery of thoracic or
lumbar spine.
16 BUDS Not Payable
17 BARBER CHARGES Not Payable
18 CAPS Not Payable
19 COLD PACK/HOT PACK Not Payable
20 CARRY BAGS Not Payable
21 CRADLE CHARGES Not Payable
22 COMB Not Payable
DISPOSABLES RAZORS CHARGES ( for site
23 Payable
preparations)
24 EAU-DE-COLOGNE / ROOM FRESHNERS Not Payable
25 EYE PAD Not Payable
26 EYE SHEILD Not Payable
27 EMAIL / INTERNET CHARGES Not Payable
FOOD CHARGES (OTHER THAN PATIENT'S DIET
28 Not Payable
PROVIDED BY HOSPITAL)
29 FOOT COVER Not Payable
30 GOWN Not Payable
Essential in bariatric and varicose vein surgery
31 LEGGINGS and should be considered for these conditions
where surgery itself is payable.
32 LAUNDRY CHARGES Not Payable
33 MINERAL WATER Not Payable
34 OIL CHARGES Not Payable
35 SANITARY PAD Not Payable
36 SLIPPERS Not Payable
37 TELEPHONE CHARGES Not Payable
38 TISSUE PAPER Not Payable

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39 TOOTH PASTE Not Payable
40 TOOTH BRUSH Not Payable
41 GUEST SERVICES Not Payable
42 BED PAN Not Payable
43 BED UNDER PAD CHARGES Not Payable
44 CAMERA COVER Not Payable
45 CLINIPLAST Not Payable
46 CURAPORE Not Payable
47 DIAPER OF ANY TYPE Not Payable
Not Payable ( However if CD is specifically
48 DVD, CD CHARGES
sought by In surer/TPA then payable)
49 EYELET COLLAR Not Payable
50 FACE MASK Not Payable
51 FLEXI MASK Not Payable
52 GAUSE SOFT Not Payable
53 GAUZE Not Payable
54 HAND HOLDER Not Payable
55 INFANT FOOD Not Payable
Reasonable costs for one sling in case of upper
56 SLINGS
arm fractures should be considered
ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES
WEIGHT CONTROL PROGRAMS/ SUPPLIES/
57 Not Payable
SERVICES
COST OF SPECTACLES/ CONTACT LENSES/
58 Not Payable
HEARING AIDS ETC.,
DENTAL TREATMENT EXPENSES THAT DO NOT
59 Not Payable
REQUIRE HOSPITALISATION
60 HORMONE REPLACEMENT THERAPY Not Payable
61 HOME VISIT CHARGES Not Payable
INFERTILITY/ SUBFERTILITY/ ASSISTED
62 Not Payable
CONCEPTION PROCEDURE
OBESITY (INCLUDING MORBID OBESITY)
63 Not Payable
TREATMENT IF EXCLUDED IN POLICY
64 PSYCHIATRIC & PSYCHOSOMATIC DISORDERS Not Payable
65 CORRECTIVE SURGERY FOR REFRACTIVE ERROR Not Payable
TREATMENT OF SEXUALLY TRANSMITTED
66 Not Payable
DISEASES
67 DONOR SCREENING CHARGES Not Payable
68 ADMISSION/REGISTRATION CHARGES Not Payable
HOSPITALISATION FOR EVALUATION/
69 Not Payable
DIAGNOSTIC PURPOSE
EXPENSES FOR INVESTIGATION/ TREATMENT
70 IRRELEVANT TO THE DISEASE FOR WHICH Not Payable
ADMITTED OR DIAGNOSED
STEM CELL IMPLANTATION/ SURGERY and
71 Not Payable
storage
ITEMS WHICH FORM PART OF HOSPITAL SERVICES WHERE SEPARATE CONSUMABLES ARE NOT PAYABLE
BUT THE SERVICE IS

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72 WARD AND THEATRE BOOKING CHARGES Payable under OT Charges, not separately
Rental charged by the Hospital
73 ARTHROSCOPY & ENDOSCOPY INSTRUMENTS
Payable. Purchase of Instruments Not Payable.
74 MICROSCOPE COVER Payable under OT Charges, not separately
SURGICAL BLADES, HARMONIC SCALPEL,
Payable under OT Charges, not separately
75 SHAVER
76 SURGICAL DRILL Payable under OT Charges, not separately
77 EYE KIT Payable under OT Charges, not separately
78 EYE DRAPE Payable under OT Charges, not separately
Payable under Radiology Charges, not as
X-RAY FILM
79 consumable
Payable under Investigation Charges, not as
SPUTUM CUP
80 consumable
81 BOYLES APPARATUS CHARGES Part of OT Charges, not separately
BLOOD GROUPING AND CROSS MATCHING OF
Part of Cost of Blood, not payable
82 DONORS SAMPLES
83 Antisepticordisinfectant lotions Not Payable - Part of Dressing Charges
BAND AIDS, BANDAGES, STERLILE INJECTIONS,
Not Payable - Part of Dressing charges
84 NEEDLES, SYRINGES
85 BLADE Not Payable
86 APRON Not Payable
87 TORNIQUET Not Payable
88 ORTHOBUNDLE, GYNAEC BUNDLE Not Payable, Part of Dressing Charges
89 URINE CONTAINER Not Payable
ELEMENTS OF ROOM CHARGE
Actual tax levied by government is payable. Part
LUXURY TAX
90 of room charge for sub limits
91 HVAC Part of room charge, Not Payable separately
92 HOUSE KEEPING CHARGES Part of room charge, Not Payable separately
SERVICE CHARGES WHERE NURSING CHARGE
Part of room charge, Not Payable separately
93 ALSO CHARGED
94 TELEVISION & AIR CONDITIONER CHARGES Part of room charge, Not Payable separately
95 SURCHARGES Part of room charge, Not Payable separately
96 ATTENDANT CHARGES Part of room charge, Not Payable separately
Part of Laundry / Housekeeping, Not Payable
CLEAN SHEET
97 separately
EXTRA DIET OF PATIENT (OTHER THAN THAT
Patient Diet provided by Hospital is payable
98 WHICH FORMS PART OF BED CHARGE)
99 BLANKET/WARMER BLANKET Part of room charge, Not Payable separately
ADMINISTRATIVE OR NON - MEDICAL CHARGES
100 ADMISSION KIT Not Payable
101 BIRTH CERTIFICATE Not Payable
BLOOD RESERVATION CHARGES AND ANTE
102 Not Payable
NATAL BOOKING CHARGES
103 CERTIFICATE CHARGES Not Payable
104 COURIER CHARGES Not Payable
105 CONVENYANCE CHARGES Not Payable
106 DIABETIC CHART CHARGES Not Payable

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 DOCUMENTATION CHARGES / ADMINISTRATIVE
107 Not Payable
EXPENSES
108 DISCHARGE PROCEDURE CHARGES Not Payable
109 DAILY CHART CHARGES Not Payable
110 ENTRANCE PASS / VISITORS PASS CHARGES Not Payable
EXPENSES RELATED TO PRESCRIPTION ON Payable under Post-Hospitalisation where
111
DISCHARGE admissible
112 FILE OPENING CHARGES Not Payable
INCIDENTAL EXPENSES / MISC. CHARGES (NOT
113 Not Payable
EXPLAINED)
114 MEDICAL CERTIFICATE Not Payable
115 MAINTENANCE CHARGES Not Payable
116 MEDICAL RECORDS Not Payable
117 PREPARATION CHARGES Not Payable
118 PHOTOCOPIES CHARGES Not Payable
119 PATIENT IDENTIFICATION BAND / NAME TAG Not Payable
120 WASHING CHARGES Not Payable
121 MEDICINE BOX Not Payable
Payable up to 24 hrs, shifting charges not
122 MORTUARY CHARGES
payable
123 MEDICO LEGAL CASE CHARGES (MLC CHARGES) Not Payable
EXTERNAL DURABLE DEVICES
124 WALKING AIDS CHARGES Not Payable
125 BIPAP MACHINE Not Payable
126 COMMODE Not Payable
127 CPAP/ CAPD EQUIPMENTS Device not payable
128 INFUSION PUMP – COST Device not payable
129 PULSEOXYMETER CHARGES Device not payable
130 SPACER Not Payable
131 SPIROMETRE Device not payable
132 SP02 PROBE Not Payable
133 STEAM INHALER Not Payable
134 ARMSLING Not Payable
135 THERMOMETER Not Payable
136 CERVICAL COLLAR Not Payable
137 SPLINT Not Payable
138 DIABETIC FOOT WEAR Not Payable
139 KNEE BRACES ( LONG/ SHORT/ HINGED) Not Payable
140 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER Not Payable
141 LUMBOSACRAL BELT Payable for surgery of lumbar spine.
Payable for any ICU patient requiring more than
3 days in ICU, all patients with paraplegia
142 NIMBUS BED OR WATER OR AIR BED CHARGES
/quadriplegia for any reason and at reasonable
cost of approximately Rs 200/day
143 AMBULANCE COLLAR Not Payable
144 AMBULANCE EQUIPMENT Not Payable

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145 MICROSHEILD Not Payable
Essential and should be paid in post-surgery
patients of major abdominal surgery including
146 ABDOMINAL BINDER TAH, LSCS, incisional hernia repair, exploratory
laparotomy for intestinal obstruction, liver
transplant etc.
ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION
BETADINE / HYDROGEN PEROXIDE / SPIRIT /
147 Not Payable
DISINFECTANTS ETC
PRIVATE NURSES CHARGES - SPECIAL NURSING
148 Not Payable
CHARGES Post hospitalization nursing charges
NUTRITION PLANNING CHARGES - DIETICIAN
149 Patient Diet provided by hospital is payable
CHARGESDIET CHARGES
Payable -Sugar free variants of admissible
150 SUGAR FREE Tablets
medicines are not excluded
Payable when prescribed (Toiletries are not
151 CREAMS POWDERS LOTIONS payable, only prescribed medical
pharmaceuticals payable)
152 Digestion gels Payable when prescribed
153 ECG ELECTRODES One set every second day is Payable.
154 LISTERINE/ ANTISEPTIC MOUTHWASH Payable when prescribed
155 LOZENGES Payable when prescribed
156 MOUTH PAINT Payable when prescribed
If used during Hospitalisation is Payable
157 NEBULISATION KIT
reasonably
158 NOVARAPID Payable when prescribed
159 VOLINI GEL/ ANALGESIC GEL Payable when prescribed
160 ZYTEE GEL Payable when prescribed
Routine Vaccination not Payable / Post Bite
161 VACCINATION CHARGES
Vaccination Payable
PART OF HOSPITAL'S OWN COSTS AND NOT PAYABLE
162 AHD Not Payable - Part of Hospital's internal Cost
163 ALCOHOL SWABES Not Payable - Part of Hospital's internal Cost
164 SCRUB SOLUTION/STERILLIUM Not Payable - Part of Hospital's internal Cost
OTHERS
165 VACCINE CHARGES FOR BABY Not Payable
166 AESTHETIC TREATMENT / SURGERY Not Payable
167 TPA CHARGES Not Payable
168 VISCO BELT CHARGES Not Payable
ANY KIT WITH NO DETAILS MENTIONED
169 Not Payable
[DELIVERY KIT, ORTHOKIT, RECOVERY KIT, ETC]
170 KIDNEY TRAY Not Payable
171 MASK Not Payable
172 OUNCE GLASS Not Payable
173 OUTSTATION CONSULTANT'S/ SURGEON'S FEES Not payable
174 PELVIC TRACTION BELT Payable in case of PIVD requiring traction
175 REFERAL DOCTOR'S FEES Not Payable

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 Not payable pre Hospitalisation or post
176 ACCU CHECK (Glucometery/ Strips) Hospitalisation / Reports and Charts required /
Device not payable
177 PAN CAN Not Payable
178 SOFNET Not Payable
179 TROLLY COVER Not Payable
180 UROMETER, URINE JUG Not Payable
181 AMBULANCE Payable
Payable - maximum of 3 in 48 hrs and then 1 in
182 TEGADERM / VASOFIX SAFETY
24 hrs
Payable where Medically Necessary - maximum
183 URINE BAG
1 per 24 hrs
184 SOFTOVAC Not Payable
185 STOCKINGS Payable for case like CABG etc.

Note: The above list is indicative and not exhaustive. The exact deductions on account of the non-payables
can be ascertained once the documents are scrutinized by our medical team.

Disclaimer:

The policy conditions for Tech Mahindra incorporated in the website and web portal are extracts of the Group
Mediclaim Policy wordings of United India Insurance Company Limited. These are only for reference and clarity in
understanding. For any further clarifications, please write to us on techm@mediassistindia.com.

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