1. ICSL – FHPL Mediclaim Policy How to Access you Mediclaim Card.

2. Policy Details:
Policy No. : /48/11/41/
Policy Period : 02/05/2012 To 01/05/2013
Insurance Company : United India Insurance
Company Limited
TPA : Family Health Plan (TPA) Limited
Premium Rate for Employee : Rs.2371/-
Premium Rate for Dependant : Rs.415/-(Rs.830/-)
Add Service Tax : 10.30%
Coverage of Rs.1 Lacs for Family Floater

3. Policy Details
Maximum family size allowed : 4 (1+3)
Definition of Family :
Employee + Spouse + 2 Dependent Children (unmarried & non-earning only) OR 2 Dependent Parents (Father, Mother).
Nomination Process:
During policy period additions of newly married & new born baby are only allowed in case member has less than three dependents covered. Others are not allowed during policy period. Changes of nominations during policy period will not be allowed.

4. Coverage Details
Basic Sum Insured / Limit Per family : Rs.1 Lacs per family on Floater Basis
Claim Co Payment(employee) : 90%(Insurance):10%(Employee) Ratio
Claim Copayment (Dependent)
85%(Insurance):15%(Employee) Ratio
Pre-Existing Diseases : Covered from day 1
Pre & Post Hospitalization Expenses: Covered upto 30 days and 60 days respectively
Maternity Benefit: Allowed Max. upto 2 children (2 deliveries) Normal Rs.20,000/- & Caesarian Rs.25,000/- No Cashless will be given for maternity. No pre-post expenses allowed.
Dental Coverage : Not Covered

5. Coverage Details
Ambulance Charges : Ambulance Charges Rs.1,500/- depending on case to case
Room Rent : Room rent restricted to 1%, ICU 2% of sum insured
Monthly addition of employees: Coverage for new joinees from the date of joining by paying Pro-rata Premium
Monthly deletion of Employees : Coverage ceases from the date of leaving the organization/retirement with refund on Pro-rata basis
Domiciliary Hospitalization not covered

6. How to access Mediclaim E-card?

7. Type

8. Click on login &
Select E-card

10. Enter Corporate ID : 174, User Name as Emp__code and
PASSWORD :First letter of your name in CAPITAL AND last three digits of your Emp_Code and click on Login

11. Click on Member Details to see your nominees details

12. Your nomination details are displayed
To check claims status click on claims
Click to get E-cards of your family members
Your nomination details are displayed

13. Click on Open

14. Take Printout of E-cards

15. How to avail benefits under your policy
Member approaches
with Network Hospitals with ID
Hospital sends
Intimation to
FHPL
Eligibility
Member approaches
Any other Hospital
Out of Pocket
payment
Not
Covered
Avails treatment, makes upfront payment
Submits bills to FHPL for reimbursement
Covered
TAT : less than 2 hr for routine cases
Emergency : No authorization required
Regularization within 24 Hrs
Authorization as
per eligibility
Cashless treatment
at NWH

16. Do’s
Carry your ID card (IDEA)/ E Card (FHPL) at the time of admission at network hospitals
Incase of emergency admission kindly contact FHPL within 24 hrs of hospitalization
Incase of emergency kindly refer your companies name and your Emp No at the time of admission
Take a pre approval from FHPL for all the elective cases
Sign on the final bill at the time of discharge from the hospital
For any other assistance call the account manager

17. What are the documents essential for claiming for reimbursement?
Original detailed discharge summary
Original investigation reports along with bill
Original Hospital Bill-consolidated and with detail breakup of every component of the bill with the patients signature on it.
Incase of surgical packages – detail breakup of the package
Medicine bills with prescriptions.
Claim Form – ( available on FHPL website )
MLC Certificate from the hospital in the case of Road traffic accident. Or a certificate from the treating doctor mentioning that the patient was not under the influence of alcohol at the tome of Accident.
Obstetric history (GPLA) in the case of maternity claims 
Payment receipt for the payment done to the hospital.
Original investigation reports along with bills & receipts
Consultation receipts.

18. Hospitalization Intimation
Please send the intimation mail within 24 hours with following details on mail IDs
or with a cc to HR on
Intimation Details:-
Employee Name             :
Employee Code             :
Name of Patient             :
Relationship with Employee :
Name of Hospital/Doctor :
Date of Admission          :
Also remember to submit your claims within 7 days from date of discharge from the hospital.

19. All India FHPL Contact Numbers
Hyderabad
Delhi
Mumbai
Kolkata
Chennai
Jaipur
Pune
Jharkhand
Bangalore
Chandigarh
Ahmedabad
Vimal Sinha
Guwahati
Cochi
Jammu
Nagpur
Bhubneswar
Coimbatore
Srinagar
Indore
Madurai
Lucknow
Bhopal
Vizag

20. Thank You  Any Suggestions/Feedback!!
Good Luck