Medical insurance

@SATHIYARAJ DREAM BIG

Hey Sathiya , Did u not receive any medical insurance under your contract  ? Generally you should get one for yourself even if you have one from company .

I will suggest you talk to insurance agent , if u need one from whom I got , please drop a message

Your employer will not pay for medical treatment, but they might provide health insurance as part of the benefits. Check your contract!

If not, you can privately get health insurance from a commercial provider, if you want.

Emergeny treatment without insurance can indeed be very expensive.

@SATHIYARAJ DREAM BIG

Every company provides different coverage, best to check with your employer as it depends which insurance plan they get for you. I heard from my friends that [Business name removed by moderators to avoid SPAM] covers them for almost all GP/Specialist expenses and private hospitals . Other insurance covers up to a limit. Likewise, surgery cost varies depending on the type of surgery, private/public hospitals etc.

Thanks for all of  your reply. its alliance GHS onlyinsurance .but cant get the coverage and annual limits details

@SATHIYARAJ DREAM BIG Only the insurer can tell you what they cover and what not!

    Thanks for all of  your reply. its alliance GHS onlyinsurance .but cant get the coverage and annual limits details
   

    -@SATHIYARAJ DREAM BIG

You MUST REQUEST your company HR to request the insurance provider to provide the coverage details, including

• What is covered?
• What is the anual limit
• What is "per disability limit"
• Cases in which they provide LOG (Letter of Guarantee) for direct-billing (means you will not need to pay for the expense, the hospital will directly charge the insurance provider). And cases in which they will not provide LOG (means you need to pay first and claim later)
• MOST IMPORTANTLY: The process of making a claim and the process of requesting for an LOG.

Better be very well aware of all these information ASAP. When something happens (and you need to be hospitalized), there may be not enough time for you to find out.

@Patrick Collison thanks alot for your valuable reply.i will ask my HR about this