1. User Manual For Accel Frontline Ltd Employees

2. Employee Insurance Program This presentation is a summary of the employee benefit insurance policies offered to the employees by Accel Frontline Ltd. It contains the necessary details related to your insurance policies like benefits available, claims procedures, enrollment process, as well as contact details of Vantage Representatives. If you have questions or need any additional information, Vantage team will be happy to assist in all matters concerning to your Insurance Benefits. Disclaimer: This document has been prepared exclusively for Accel Frontline Ltd and is only for reference of benefits under the Employee Benefit Program. The detailed policy terms & benefits will be always as per the contract between the Insurer & Insured. The contents herein should not be copied or distributed without the prior permission of Vantage Insurance Brokers and Risk Advisors Pvt. Ltd. Any breach of these conditions will be constituted as unlawful and may invite legal action.

3. Employee Health Insurance Policy The Group Health Insurance Program provides pre-defined insurance coverage to all employees & their dependents for expenses related to hospitalization due to illness, disease or injury. In the event of a hospitalization claim (more than 24 hrs), the insurance company will pay the insured person the amount of such expenses as would fall under different heads mentioned below, and as are reasonably and necessarily incurred thereof by or on behalf of such insured person, but not exceeding the sum insured in aggregate mentioned in the policy:  Room Charges,  Nursing expenses,  Surgeon, Anesthetist, Medical Practitioner, Consultant, Specialists Fees,  Anesthesia, Blood, Oxygen, Operation Theatre Charges Surgical Appliances, Medicines & Drugs, & similar expenses. Accel Frontline offers the following Employee Benefit Insurance Policies. Further slides to know more details of the policy including Benefits, Claims Procedure, Exclusions of the following Insurance Policies.

4. Benefits Offered Claims - Cashless Claims – Non – Cashless/ Re-imbursement Contact Vantage Exclusions Your Policy at a Glance Your Policy at a Glance Know your Health Insurance Program

5. Your Health Insurance policy at a Glance Members Covered Members Covered Members CoveredEmployee + Spouse + 2 Dependent Children General Hospitalizatio n Benefits General Hospitalizatio n Benefits Pre - Existing AilmentsCovered from Day one 30 days waiting period for non - accidental claims Waived Off Ambulance ChargesCovered upto INR 1,000 per person/ per claim Day Care ProceduresCovered Pre & Post HospitalizationPre 30 days and post 60 days Cont…

6. Your Health Insurance policy at a Glance Maternity BenefitCovered for the first 2 living children Maternity sub-limitINR 25,000 for normal and INR 35,000 caesarian delivery 9 Months waiting period for maternity Applicable only for New Joining Employees Baby CoverCovered from Day 1, Within family Sum insured limit Maternity Benefits Maternity Benefits Restrictions Applicability of Room Rent Limit Yes. Limited to 2% of Sum Insured per day for normal and No limit for ICU Dependent Sublimit Yes, 50% of Sum insured only applicable for Dependents claim. Applicable only for Sum Insured INR 50,000, INR 75,000 & INR 1,00,000 Cont…

7. Your Health Insurance policy at a Glance Existing Associates + Dependents New Joiners + Dependents New Dependents on account of Marriage / Birth Commencement Date 1 st Aug 2014 (subject to declaration of dependent within the given timelines) Termination Date31 st July 2015 Commencement DateDate of joining Termination Date31 st July 2015 Commencement Date Date of such event (subject to declaration of dependent within the given timelines) Termination Date31 st July 2015 Insurance Partners National Insurance Company Ltd Insurance Company Medi Assist India Pvt Ltd Third Party Administrator (TPA)

8. General Hospitalization Benefits Pre-existing diseases refers to condition or ailments that may have been contracted before the start of the policy. There is usually a waiting period of 4 years for covering such ailments. Covered for all enrolled members from day 1 30 Day Waiting Period for new joiners Any hospitalization expenses during the first 30 days from the commencement date of the Policy is not covered for the new joiners. This exclusion is however, not applicable to any emergency hospitalization occurring due to an accident. Waived off for all 1 st /2 nd /3 rd /4 th Year Waiting Period Medical insurance policies have waiting period of 1/2/3/4 years for reimbursement of medical expenses for treatment of certain specified ailments. The specified ailments mainly include Cataract, Benign Prostatic Hypertrophy, Hysterectomy or prolapsed of uterus, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis, Joint Replacement due to Degenerative condition, Age related osteoarthritis and Osteoporosis, among others. Waived off for all Pre- existing Disease

9. General Hospitalisation Benefits Day care procedures refers to such treatment which does not necessarily require 24 hospitalization due to medical technological advancement. Such list of ailments are available with insurance companies and are referred to as Day care ailments. Day Care treatment can be taken in network hospitals only – on a cashless basis. Day Care Covered Ambulance charges Ambulance charges are provided for emergency hospitalization wherein the patient needs to be rushed to the hospital. Under this extension the policy will reimburse such expenses as per the pre decided limits. Covered up to a maximum of INR 1,000 per claim Cont…

10. Pre & Post Hospitalisation Expenses If the Insured member is diagnosed with an Illness which results in his / her Hospitalization and the claim is admissible, the Insurer will also reimburse the Insured Member’s Pre-hospitalization Expenses. Covered for 30 days prior to date of admission Post Hospitalisation Expenses Relevant expenses for 60 days post discharge from hospital for an admissible hospitalization claim will be re-imburse in the policy. Covered for 60 days post the date of discharge Pre Hospitalisation Expenses The expenses incurred in relation to the condition of hospitalization, generally 30 days prior to the date of hospitalization as well as 60 days post the discharge are reimbursed under the Pre & Post Hospitalisation Clause. These expenses include things like medication prescribed at the time of discharge, follow up treatment etc. Please Note: Pre & Post Hospitalization expenses are not applicable in case of Maternity.

11. Maternity Benefits Maternity Expenses Any Maternity or pregnancy related expense other than those excluded (like voluntary termination of pregnancy in the first 12 weeks of delivery) will be payable. The maternity benefit is applicable for Normal / Cesarean delivery within the overall Sum Insured for the first two live births. Covered up to a limit of INR 25,000 for Normal & INR 35,000 for C- section Deliveries The maximum benefit allowable is INR 25,000 for normal & INR 35,000 for C-section per delivery within the overall Sum Insured for the first two live births. There are special conditions applicable to the Maternity Expenses Benefits as below: Claim in respect of delivery for only first two live births and/or operations associated therewith will be considered. Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the date of conception are not covered. 9 Month Waiting Period There is usually a 9 month waiting period for new joiners to claim Maternity Benefits under Group Health Policy. Applicable only for New Joining Employees

12. Maternity Benefits Baby Cover On Delivery of a child, the child is prone to many health disorders like jaundice or expenses incurred for incubator for pre-mature births or any other complication to the child. Usually there is a 90 days waiting period for covering baby in the policy. Covered from Day 1. The normal baby expenses like pediatrician visit, nursery charges, etc. prior to discharge from hospital post delivery is covered within the family sub-limit. Vaccination charges are not payable.

13. Restrictions Room Rent Capping Room rent is capped to a certain limit in the policy. Employees/dependents choosing to go for higher room category than what is specified in the policy will need to bear the incremental room rent amount. This would also apply to related expenses such as nursing charges, doctor’s fees, etc. which is associated with the room category. This limit may differ for ICU. Limited to 2% of Sum Insured for normal and no limit for ICU. Dependent Sublimit The sum insured is restricted for all Dependent claims to the maximum of 50% of the actual sum insured of the Employee falling in the grade of INR 50,000, INR 75,000 & INR 1,00,000 50% on all Dependents Claim

14. Claims – Cashless administration Cashless service ensures that the employee and the covered family members get treatment at the hospital empanelled in the TPA Network without having to pay any money. This is however, subject to approval from the TPA based on the benefits covered under the policy. For Updated List of hospitals please visit : https://www.mediassistindia.com/https://www.mediassistindia.com/ You may also contact Vantage representative on the following number: V. Srinivasan - 9884080688 E mail ID : srinivasan.v@vantageindia.co.in,srinivasan.v@vantageindia.co.in

15. Cashless - Planned Hospitalisation Member intimates TPA / Vantage of the planned hospitalization in a specified pre- authorization form 48 hours prior to hospitalization Claim Registered by the TPA Follow non cashless process TPA issues letter of Approval within 24 hours for planned hospitalization to the hospital Pre-Authorization Completed Member produces ID card at the network hospital and gets admitted Member gets treated and discharged after paying for all non-entitled expenses like the deductions based on the policy terms, the cost of non payable items etc. to the hospital. Member gets treated and discharged after paying for all non-entitled expenses like the deductions based on the policy terms, the cost of non payable items etc. to the hospital. No Yes

16. Cashless - Emergency Hospitalisation Process In case of a sudden requirement of Hospitalization, the cashless process is as follows: Member get admitted in the hospital in case of emergency by showing his health card and ID Card. Treatment starts. Member / Hospital applies for pre- authorization to the TPA within 24 hrs of admission TPA verifies applicability of the claim to be registered and issue pre- authorization Pre- authorization given by the TPA Follow non cashless process No Member gets treated and discharged after paying all non entitled benefits like refreshments, etc. Yes

17. Claims - Reimbursement Benefit Admission procedure In case of a non-network hospital, the patient will need to be admitted to the hospital and take the treatment. Discharge procedure In case of non network hospital, employee will be required to clear the bills and submit the claim to TPA through Vantage helpdesk for reimbursement. Please ensure that all necessary documents such as discharge summary, investigation reports, payment receipts, reports etc. are collected in original for submitting your claim. Submission of hospitalization claim 1.After the hospitalization is complete and the patient has been discharged from the hospital, the claim must be submitted within 15 days from the date of discharge from the hospital. 2.Under hospitalization claims, you are also permitted to claim for treatment expenses 30 days prior to hospitalization and 60 days after the date of discharge. This is applicable for both network and non- network hospitalization.

18. Claims - Reimbursement Process Member intimates TPA before or as soon as hospitalization occurs (within 48 hours of discharge) Insured admitted as per hospital norms. All payments made by member Claim registered by TPA after receipt of claim intimation Documents received by TPA within 30 days * from discharge Claim Closed/ Rejected No TPA performs medical scrutiny of the documents for admissibility of the claim Yes TPA checks document sufficiency No Yes Claims processing done within 21 working days Sends mail about deficiency and document requirement for re-submission Claims cheque is sent to the employee/ client Yes No Documentation complete as required * Note: If deficiency is not submitted within the given timelines, the same will be considered as closed.

19. Claims - Reimbursement Documents Claim form duly filled and signed by the claimant Original Discharge Summary Main Hospital bills in original (with bill no; signed and stamped by the hospital) with all charges itemized and the original receipts Attending doctors’ bills and receipts (if separate from hospital bill) and certificate regarding diagnosis. Original reports of Bills and Receipts for Medicines, Investigations along with Doctors prescription in Original and Laboratory All original payment receipts must be taken from the hospital including invoices for implants and stickers in case of lenses Follow-up advice or letter for line of treatment after discharge from hospital, from Doctor. Break up details of Pharmacy items, Materials, Investigations even though it is there in the main bill In case the hospital is not registered, please get a letter on the Hospital letterhead mentioning the number of beds and availability of doctors and nurses round the clock. In non-network hospitalization, please get the hospital and doctor’s registration number in Hospital letterhead and get the same signed and stamped by the hospital. Note: there may be additional documents other than the above mentioned list, required by the TPA, based on specific treatments.

20. General Exclusions 2.Circumcision unless necessary for treatment of the disease, cosmetic or aesthetic treatment of any description, plastic surgery other than as may be necessitated due to an accident or as a part of any illness. 3.Surgery for correction of eyesight, cost of spectacles, contact lenses, hearing aids. 4.Dental Treatment or surgery of any kind unless requiring hospitalization on account of Accident Cases. 5.Convalescence, general debility ‘run-down' condition or test cure, congenital external disease or defects or anomalies, sterility, venereal disease, intentional self injury, all psychiatric and psychosomatic diseases/disorders, accident due to misuse of drugs/alcohol or use of intoxicating substance. 6.Acquired Immune Deficiency Syndrome (AIDS). 7.Naturopathy, unproven procedure/treatment, experimental or alternative medicine/treatment including acupuncture, acupressure, magneto therapy etc. 8.Out patient diagnostic/medical/surgical procedures/treatments, non-prescribed drugs/medical supplies/hormone replacement therapy, sex change or any treatment related to this. 9.Any kind of service charges/surcharges, admission fees/registration charges etc. levied by the hospital. 10.Doctor’s home visit charges/attendant, nursing charges during pre and post hospitalization period except in case of domiciliary hospitalization. 1.Injury or disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, Warlike operation or disease directly or indirectly caused by or contributed to by nuclear weapons/materials. Cont…

21. General Exclusions 11.Expenses on irrelevant investigations/treatment; private nursing charges, referral fee to family physician, outstation doctor/surgeon/consultant’s fees etc. 12.Genetic disorders/stem cell implantation/surgery. 13.External/durable medical/non medical equipments of any kind used for diagnosis/treatment including CPAD, CAPD, infusion pump etc., ambulatory devices like walker/ crutches/ belts/ collars/ caps/ splints/ slings/ braces/ stockings/ diabetic foot wear/ glucometer/ thermometer & similar related items & any medical equipment which could be used at home subsequently. 14. Non medical expenses including personal comfort/ convenient items/ services such as telephone/ television/barber/ beauty services/ diet charges/ baby food/ cosmetics/ napkins/ toiletries/ guest services etc. 15. Treatment for obesity or condition arising there from (including morbid obesity) and any other weight control program services/supplies. 16. Injury arising from any hazardous activity including scuba diving, motor racing parachuting, hand gliding, rock or mountain climbing etc. 17. Treatment received in convalescent home/hospital, health hydro/nature care clinic and similar establishments. Payment: All medical/surgical treatments under this policy shall have to be taken in India and admissible claims thereof shall be payable in Indian currency. Note: The above list is an illustrative list of exclusions and not an exhaustive list of all exclusions.

22. Thank You For further information, please contact : Srinivasan.V, Account Manager (email id: srinivasan.v@vantageindia.co.in )srinivasan.v@vantageindia.co.in Mobile: +91-9884080688 Dinesh.M, Manager - Operations (email id: dinesh.m@vantageindia.co.in )dinesh.m@vantageindia.co.in Mobile: +91-9884818688 Muthahira Khan, Lead Consultant (email id: muthahira.s@vantageindia.co.in )muthahira.s@vantageindia.co.in Mobile: +91-9884871688