2️⃣Insurance and healthcare
👋 Introduction
All full-time employees at Obvious are covered under an annual medical insurance and a personal accident insurance policy. We partner with Plum for health insurance for Obivous.
1️⃣ Group medical insurance
This policy covers you, your parents, your spouse and your two children.
The policy covers Rs. 5 lakhs annually for the entire family.
The policy covers hospital expenses for illness or injury. This is relevant for any hospitalisation for a minimum period of 24 hours.
Maternity related hospitalization expenses of upto Rs. 50,000 (counted towards your total benefit of Rs. 5 lakhs)
2️⃣ Personal accident insurance
This policy covers only employees, and not families.
The policy covers Rs. 10 lakhs.
The policy covers hospital expenses in case of an accident.
3️⃣ Access your policy card
Login to our insurance platform Plum* using your Obvious email
You will see details of your medical insurance policy.
Check to ensure that your name and address match at least one of your government approved IDs. In case not, raise it with the operations team and get the e-card details changed immediately. This is essential to make sure that if needed, insurance payout does happen.
Download your online health card and keep a copy on your phone in a favourites folder and share a copy with friends/family you are likely to call in case of hospitalization. The health care includes your name, the policy number, your healthID, validity date, and other specifics you will need, should you find yourself in a situation of needing to avail insurance.
If you have questions on coverage of a specific treatment you might be electing for, e.g Lasik etc., the first point of checking is the chat option on the Plum site. You speak to the folks who will be processing the claims, and so are the most informed folks to answer your questions.
*If you are in doubt, look for login credentials for Plum in your Obvious email ID. If still in doubt, please reach out to Jaya or Monica to get this sorted out.
4️⃣ Claim insurance
Apply for a cashless claim
In most cities and hospitals, cashless benefits are provided to people with a company provided group medical insurance.This means that the hospital claims the permitted amount from the insurance folks directly.
You can get questions answered by chatting with the Plum team.
Give your health card and ID to the hospital
Hospitals have a claims department that would reach out to you for this during admission.
They will take about 4 hours and get you an initial approval for about 30-40% of the expected overall treatment. They will also let you know what the hospital's corresponding policies are regarding hospital admission, treatment, stay arrangements etc.
Check bill at the time of discharge
On the day of scheduled discharge after treatment, the hospital will make a final bill, send it to the insurance folk, get the remaining amount.
If there is a difference/ if there are elements of treatment not covered by insurance for whatever reason, they will bring the unpaid amount of the invoice to you.
In case of an emergency: In situations where you need to get insurance support externally (Say, emergency surgery or there is no time or mind space to have conversations with the insurance folks on the Plum site), call Jaya or Monica and we will interface with the folks at Plum and get you the support you seek.
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