TCS Health Insurance Policy

For TCS, the health and well-being of employees and their families is paramount. Hence, TCS has tied up with an external Insurance service provider to provide all TCS India employees with easy access to best-in-class medical facilities through a comprehensive Health Insurance Scheme (HIS). The Health Insurance Scheme and its provisions are reviewed and updated from time to time.

Applicability:

This policy is applicable to
- Full Time Employees of TCS India and TCS eServe International (HIS coverage will continue till the time of employment).
- ACE Interns, Global Interns & BPOS Trainees

This policy is not applicable to
- Business Associates, Academic Interns & Contract Consultants

Beneficiaries under HIS:

All employees are covered under their grade-specific default Health Plan from their date of joining.

Employees may enroll the below family members as beneficiaries for coverage under the HIS:
- Spouse
- Children (up to 5 children may be enrolled)
- Parents/Parents-in-law (a maximum of 2 elders can be enrolled, either parents or parents-in-law or a combination of each)

Applicable Health Plan:
- The enrolled beneficiaries will be covered under the same Health Plan as the employee.

Timeline for enrolment:

- For existing employees, beneficiaries can be enrolled only during the enrolment period.

- New joiners can enroll their beneficiaries within 90 days from their date of joining.

- Beneficiaries may also be enrolled within 90 days from the date of any life-changing event like marriage, or the birth of a child as appropriate. If this window is missed, the beneficiaries may be enrolled only during the subsequent enrolment period in the next financial year.

Two Types of HIS:

1. Domiciliary

Covers the cost of any domiciliary treatment (including dental treatments) of employees and their beneficiaries. It includes pharmacy costs, consulting fees of the doctor, investigatory tests, etc. It is applicable only when the insured person undergoes treatment at a dispensary or in a hospital, as an outpatient.

2. Hospitalization

Covers the cost incurred on treatments that require hospitalization up to a specified limit. Hospitalization means admission to a Hospital/Nursing Home for a minimum period of 24 consecutive hours.

Appropriate proof would be required in each of the above cases in case of a claim.

For more details or any clarification on this drop email to corporate.his@tcs.com or tcs.his@mediassistindia.com or call at toll-free number:1800 208 1033