Policy Terms and Conditions


Beneficiaries: All the employees on pay-roll or on contractual basis or on job work with member/ trader of GJEPC along with their dependent Spouse + up to Two children (Max age 25 yrs.) + Two dependent parents.


Group Mediclaim Policy


Hospitalization: Group Mediclaim Policy covers the reimbursement of reasonable expenses for room charges, doctors' fees, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia, medicines and oxygen administration expenses.


Coverages -


Sum Insured



Pre Existing Diseases Exclusion Waiver



30 days waiting period waiver



1st Year Exclusions waiver



2nd Year Exclusions waiver



3rd Year Exclusions waiver



4th Year Exclusions waiver



Room Rent Limit - Normal Room

No Limit


Room Rent Limit - ICU

No Limit


Pre Hospitalisation (in Days)

30 Days


Post Hospitalisation (in Days)

60 Days


Ambulance Charges

Rs 2500


Maternity Benefit (If Opted)

Rs 35,000/- in case of C Section


Rs 25,000/- in case of Normal Delivery


Domiciliary Hospitalization Expenses

Not Covered


Health check up cost every 4 years



Cashless Facility



Claim Submission Clause

45 Days from the Date of Discharge


Group Personal Accident Policy


Beneficiaries : All the employees on pay-roll or on contractual basis or on job work with member trader of GJEPC.


Sum Insured: Rs.50,000/- or Rs.1,00,000/-


Accidental Death

100% Sum Insured


Permanent Total Disablement

100% Sum Insured


Permanent Partial Disablement

As per the Standard Policy Condition