Policy FOUR - A Effective January 1,

No Date 2002
Policy DOMICILARY MEDICAL Review January 1,
On BENEFIT POLICY Date 2004

OBJECTIVE

To provide employees with sufficient security for domiciliary

medical treatment.

ENTITLEMENT

All employees in Band 4 and above are entitled to reimbursement

against medical expenses for self and family subject to the
guidelines of this policy.

DEFINITION

a. Dependent parents : Dependent parents are defined as parents

or parents-in-law of the employee whose combined sources of
income including salary income from property (excluding income
from self lease), investments or any other sources for both parents /
parents-in-law does not exceed Rs.10,000/- per month. It is not
necessary that the dependent parent should reside with the
employee.

1. Entitlement period : Entitlement period is from January to

December each
year.

ENTITLEMENT

a. Employees in Band 4 & above can claim reimbursement of their

expense after incurring genuine medical expenses, without an
upper limit. 80% of the amount claimed would be reimbursed.

b. Employees can claim medical reimbursement for self, spouse,

children (who are not independently employed) and dependent
parents (i.e. either their parents or parents-in-law). The
reimbursement for the dependent parents or parents–in-law will be

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VP–Finance VP-Corporate HR CFO CEO Director

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 applicable on a specific declaration to this effect from the
employee at the time of joining. He would subsequently have the
option to change this once, in the event his parents/ parents-in-
law become financially dependent on him.

In the case of Band 3 and 4, the combined amount claimable in the

case of dependent parents is limited to Rs. 25,000 per entitlement
period. No carry forward is permitted.

ENTITLEMENT

a. Employees can claim up to 80% reimbursement after incurring

genuine medical expenses, without an upper limit in the case of
self, spouse and dependent children, subject to the guidelines of the
policy.

b. Employees can claim medical reimbursement towards

hospitalisation for self, spouse, children (who are not independently
employed) and dependent parents.

c. Only Medical expenses incurred inside the Union of India can

be claimed under this policy.

d. Employees would not be entitled to claim expenses for items

such as plastic surgery except such surgery following an accident,
sunglasses, health foods and drink, toiletries and other non-medical
supplies. Spectacles (lenses and frames) would be reimbursed
under this policy subject to a maximum of Rs 2500/- per family
(including dependent parents) per entitlement period. Additionally
the Company would also reimburse dental expenses incurred if they
are genuine expenses and not cosmetic in nature up to a limit of Rs
5000/- for the family (including employee) per entitlement period.

e. Employees would be entitled to claim expenses for Doctor

Consultation, minor surgery & OPD, X-rays, diagnostic tests as

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VP–Finance VP-Corporate HR CFO CEO Director

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 advised by the doctor, medical reimbursement for tonics and
vitamins as part of a treatment under prescription.

f. Expenses on treatment by only those qualified practitioners of

Allopathy, Homeopathy, Unani, Acupressure, Acupuncture,
Ayurvedic and Tibetan medicine who operate a formal practice will
be reimbursed under this policy.

g. Claims for reimbursement of cost of medicines purchased from

dispensing chemists will be accepted up to a limit of Rs 300/-, for
which a proper bill from chemist will be required as supporting
document. Above this limit, doctor’s prescription will be required.
However, where the prescription submitted is more than six months
old, a fresh prescription is to be obtained from the Doctor.

The Company reserves the right to ask for the prescription to be

presented where claims are submitted without such documents.

h. All bills that are put up for claim should be on the letterhead of
the Doctor, stating the name, address of the nursing home/ hospital
and the registration number of the doctor and accompanied by
details of consultancy provided as far as possible.

i. All payments of Medical reimbursement are subject to Income

Tax as per the relevant provisions of the Income Tax Act. In case
the total amount of reimbursement for an individual

j. Exceeds the specified upper limit in a financial year according

to the prevailing Income Tax laws and tax will be deducted at
source.

k. It is explicitly understood that all bills furnished by employees

are genuine and any fraudulent bill would attract disciplinary action
as appropriate.

6. OPERATING PROCEDURE

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a. Payments to be made under this policy will be administered by the
Accounts Department.

b. Dependants of an employee will be admitted under the policy only

when Human Resources Department has formally advised the
Accounts Department to this effect.

c. The “Form for Admission under Company Medical Policy” (sample

form enclosed) will be filled in by all new employees as part of the
joining formalities. The Human Resources Department will advise
employees in writing confirming admission of dependants under
the policy, with a copy to the Account Department. The Human
Resources department will be the deciding authority to determine
dependency criteria for coverage under the scheme.

d. Employees should file their medical claims once a month before

the 10th of the month. This will be scrutinized and paid by
accounts between 15th and 20th of the same month. Any claims
submitted after that will be paid in the next month. Claims should
be submitted in the prescribed format, supported by bills, receipts
and prescriptions as required. The Accounts Department will return
any defective claim which is not supported by proper documents /
is not claimable as per policy. In case of defective bills, any
grievance in this matter may be followed up / routed through the
Human Resources Department.

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VP–Finance VP-Corporate HR CFO CEO Director

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