Group Health Insurance and Wellness program solutions as offered by Sirdhar Insurance Broker Pvt Limited.

1. Leading in Risk Management Services.
Tel. - +91 11 46718815
Fax - +91 11 41672667
Toll Free - 1800-102-6099
2/1, 1st Floor, Sarai Jullena,
New Friends Colony,
New Delhi – 110025.
Group Health Insurance
&
Wellness Program
Sridhar Insurance Brokers Pvt Limited

2. Why Health Insurance ?
Leading in Risk Management Services.
Skyrocketing
medical costs
Need for
routine
medical check
ups and care
Possibility of
hospitalization
and treatment
Expensive
trips to
specialist
doctors

3. USP of Group Health Insurance -
Leading in Risk Management Services.
No physical
examination
Covers people
regardless of their age
or present state of
health
Helps to reduce a
company’s liability and
decrease risks
Cheaper than
individual Health
plans
Having such a great
benefit boosts
morale among
employees
Customized
health care

4. Leading in Risk Management Services.
Scope of Cover -
 Disease/ Injury
 Treated medically/ surgically .
 By Hospitalisation/ Domiciliary hospitalisation.
 At Nursing home/ hospital in India as in-patient.
 Age limit
 Baby day 1 to 80 Years.
 Post hospitalisation
 Relevant medical expenses 30 days prior to hospitalisation
 Pre hospitalisation
 hospitalisation Relevant medical expenses 60 days after hospitalisation

5. Leading in Risk Management Services.
Compensation Payable -
 Reasonable and necessarily incurred
 Room expenses in hospital/ nursing home.
 Nursing expenses.
 Medical practitioner fee.
 Treatment cost
 Medicines/ diagnostic cost.
 Blood/ oxygen cost.
 Cost of pacemaker.
 Operation theatre charges.
 Surgical appliances.
 Dialysis, chemotherapy, radiotherapy.
 Pre and post hospitalisation expenses
 Max of SI
 Surgical operation
 Manual operative procedure for
 Deformity
 Defect correction
 Diagnosis cure
Prolongation of life

6. Leading in Risk Management Services.
 Min period of 24 hrs
 Time limit not applicable for specific treatment
1. Dialysis
2. Chemotherapy
3. Tonsillectomy
4. D&C
5. Cataract
Hospitalisation -
 Treatment exceeding 3 days at Residence
 Serious condition of patient does not allow
removal to hospital
 Lack of accommodation in nursing home
 Pre / post hospitalisation expenses not covered
Domiciliary Hospitalisation -
 Specified diseases excluded
 Asthma
 Diabetes
 Dysentery
 Hypertension
 Flu
 Epilepsy
 Arthritis

7. Extensions & Suggested Value Additions -
Leading in Risk Management Services.
Maternity
• Maternity
• 9 Months
Waiting Period
for maternity
• Baby Day 1
Cover
Diseases
• Pre-Existing
diseases
• Congenital
internal
diseases
• Disease wise
capping
• 30 Days
Waiver
• First 2 years
Waiver
Hospitalisation
• Pre & Post
Hospitalisation
• Domiciliary
Hospitalisation
• Ambulance
Charges
• Limit on
surgeon
charges,
anesthetic
charges, stent
charges etc.
Corporate
Buffer
• Corporate
Buffer
• Corporate
Buffer limits
per employee
• Corporate
buffer event
limits in an
year
Others
• Co-pay
provisions
• Claim
Intimation

8. Leading in Risk Management Services.
Claims Processing -
 Cashless Mediclaim
 Claim are handled by TPA’s
 Planned treatment in notified hospital
 Inform TPA & get treatment post approval
 Cashless / Hassle free claims settlement
 Emergency – What to do?
 Give TPA membership no.
 Intimate TPA & approval
 Cashless / Hassle free claims settlement

9. Leading in Risk Management Services.
Claims Processing -
 Reimbursement Mediclaim
 Planned / Emergency treatment in non-notified hospital
 Notice to TPA & approved
 Submit Duly completed claim form along with –
1. Bills
2. Receipts and discharge certificate/card from the Hospital
3. Bills from Chemists supported by proper prescription.
4. Test reports
5. Payment receipts
6. Settlement within a week on complete submission

10. General Exclusions -
 War/ war group
 Nuclear perils
 Plastic surgery
 Spectacles/ contact lens/ hearing aid’
 Dental treatment
 Convalescence/ general debility
 Sterility/ venereal disease / circumcision
 Intentional self injury
 Use of intoxicating drugs/ alcohol
 Aids
 Diagnostic/ laboratory expenses not consistent with treatment
 Vitamins/ tonic inconsistent with treatment
 Pregnancy
 Naturopathy
Leading in Risk Management Services.

11. Leading in Risk Management Services.
Employee Wellness Program Through
Sridhar Insurance Brokers

12. Leading in Risk Management Services.
Benefits of Workplace Wellness
There are many benefits to employees and employers that commonly arise
from having a wellness program in place, such as :
1. Improved employee health 2. Better employee morale
3. Higher employee productivity 4. Lower absenteeism
5. Fewer short-term or long-term 6. Higher employee retention
disability claims
Success Factor for a Wellness Program
The winning employee wellness programs share common success factors :
1. Commitment from management
2. Employee involvement
3. Adequate resources & planning
4. Clear policies on workplace health
5. Wellness and safety that align with the organization’s
mission, vision and values.

13. Leading in Risk Management Services.
Types of Wellness Program
Physical
•Onsite health
check-ups
•Diet Programs
•Online health
risk assessment.
•OPD / Speciality
consulting
• Pharmacy
benefits
•Eye check-up
camp
•Discounted gym
memberships
•Cycling events
Spiritual
•Meditation
workshops
•Donation
activities
•"Random Acts
of Kindness"
campaign
Intellectual
•Encourage
personal
development
through
training/classes
•Book/article
discussion
sessions
•Speakers on
intellectual
topics
•Quiz / contests
• E-mailing
articles
highlighting
importance of
mental fitness
Emotional
•Stress
management
program
•Journaling
workshops
•Employee
Assistance
Program
•Support groups
Occupational
•Work safety
initiatives
•Daily or weekly
wellness tips
•Financial Tips
•Emergency
preparedness
Below mentioned are different types of wellness programs being adopted by corporate :

14. Leading in Risk Management Services.
Proposed Wellness Program by Sridhar Team
We at Sridhar proposes below mentioned wellness programs
for the employees of your organisation –
1. Health Check-ups & OPD Consultations.
2. Diet Plans & BMI measurements through our dieticians.
3. Eye check-up camps.
4. Financial Planning's.
5. Weekly Health Mailers.
6. Online health assessment Program.
7. Health talk or Yoga Consultations.
8. Health Quiz & Kid’s painting competitions.

15. Leading in Risk Management Services.
Wellness Calendar | Sridhar Team
Wellness Program Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Health Check-ups
& OPD Consultations.
Diet Plans & BMI
measurements
Eye check-up
Camps
Financial
Planning's
Online health
assessment Program
Health talk or Yoga
Consultations
Health Quiz & Kid’s
painting competitions

16. Leading in Risk Management Services.
Value Additions through Sridhar Insurance Broker
Terms
• Analysing present
terms & claim
pattern.
• Negotiating with
Insurers for best
terms.
• Value additions by
suggesting new
terms / options.
Placement
• Finalisation of
Insurer and TPA.
• Presentation
through TPA.
• Policy placement
and verification of
all agreed terms
with Insurers
• Policy
Presentation &
Mailers for
circulation to
employees.
Service
• Single window
solutions for policy
servicing &
employee query
resolutions.
• Policy
endorsement &
facilitation of
credit debit
balance
statements.
• Help desk & claim
assistance.
• Providing claim
MIS & maintaining
claim TAT’s.
Wellness Program
• Dedicated team
for delivering
wellness services
to our esteemed
clients.
• Designing
wellness program
for the client.
• Wellness team
coordinates with
HR team for
delivering wellness
program.

17. Leading in Risk Management Services.
Our Presence in Employee Benefits Cover
√ More than 100,000 lives are insured & serviced by
Sridhar team under GMC & GPA policies.
√ Designing wellness program for our clients as per
the group's demography and their requirements.
√ Our client retention ratio is above 95%, it has
become possible through our services and
fulfilment of our commitments.
√ Addressing client queries and issues through
single point of contact in more efficient manner.
√ Diet Programs for our clients through our
empanelled dieticians. They have got rich
experience and exposure of working with renowned
institutions like - Alchemist, Fortis & VLCC.
Sr
No.
GMC & GPA Clients No of
Lives
1 LANCO 10000
2 ESCORTS GROUP 10000
3 HUGHES COMMUNICATIONS 10000
4 MODI RUBER 5000
5 SKYLARK 3000
6 PANALFA 2000
7 AGA KHAN FOUNDATION 2000
8 CENTRE FOR SCIENCE 1000
9 YANMAR INDIA 500
10 FITNESS FIRST 500
11 EPICU AGRO 500
12 AFILIAS INDIA 500

18. We look forward for an association with your esteemed organisation
and assures you of best services from our risk management team.
Leading in Risk Management Services.