Status Check, Procedures, Facilities

Organisation : Neyveli Lignite Corporation Ltd,Tamil Nadu
Facility :PRMI Post Retirement Medical Insurance Scheme

Home Page :http://www.nlcindia.com/
Scheme : https://web.nlcindia.com/retir_portal/benefits.htm

Post Retirement Medical Insurance Scheme

Objective :
** All the PRMA members (retired employees and their Spouses or either one living – whose PRMA membership is renewed and newly joined members) are covered under a Tailor Made Medical Insurance Policy.

Related : Neyveli Lignite Corporation Renewal of Post Retirement Medical Assistance Scheme : www.statusin.in/4250.html

** This Policy will cover all the expenses required to be incurred by the PRMA Members and their
spouses at the time of taking treatment as in-patient in any Hospital subject to a maximum
expenditure of Rs.2.00 Lakhs per ‘Unit’ on Floater Basis per year.
A ‘Unit’ is defined as the family of the retired employee, consisting of only retired
employee and the spouse

Floater Basis means :
* Both PRMA Member and Spouse can incur medical expenditure as in-patient up to
a maximum of Rs.2.00 Lakhs OR
* Any one of the Unit (i.e. either PRMA member or Spouse) can take treatment in a
year to the maximum limit of Rs.2.00 Lakhs or part there of.
Category wise Policies
: three different policies under the same tender.
** All retirees retired before 01-01-2007.
** Executives and Non-Unionised supervisors retired on or after 01-01-2007.
** Inter & Lower and Labour retired on or after 01/01/2007.
** The entire cost of premium towards this Insurance Policy will be borne by N.L.C.
** This Health Insurance Scheme does not cover Domiciliary Hospitalisation Expenses.
** The tender for nomination of Insurance agency is done every year.
** Period of insurance coverage is 1st September to 31st August of every year
** Current Insurance Agency : M/s National Insurance co. Ltd., Blk-25, Neyveli-3
** Third Party Administrator : M/s VIDAL Health TPA Pvt. Ltd., Chennai (formerly TTK) ** All those members covered under the insurance are given a VIDAL Health ID Card.

Applicability & Limitations of the Scheme :
** The scheme shall cover all diseases including all existing diseases prior to retirement.
** The treatment shall be restricted to Allopathy only (including physiotherapy) and all other forms of
treatment – Viz. Ayurvedic, Acupuncture, Siddha, Unani, etc. shall not be considered.
** Extension of benefits to any Member (retired employee/spouse) on account of remarriage after
retirement shall not be permitted.
** The Insurance need not be covered for Minor Illness such as those requiring medical attention
through consultation of a Physician/Specialist and/or requiring clinical tests including X-ray etc.
leading to intake of drugs or otherwise, but not hospitalization and excluding surgical intervention,
Laproscopic, Lazer treatment etc.

Salient Features :
** Cashless Treatments
** Reimbursement of Treatment Expenditures
** 24 Hour Help Line Service through Toll Free Numbers
** Pre-hospitalisation expenses.
** Post-hospitalisation expenses.
** Treatment for all Pre-Existing Diseases.