FlexBen – Frequently Asked Questions (FAQs)

General

Q. When does my coverage begin under the SAP FlexBen program?

A. If you are an existing employee, your coverage will begin as of 1st January 2018. If you are a new hire
enrolling post 1st January 2018, your coverage will begin from your joining date.

Q. What are core and optional benefits?

A. Core Benefits’ is the mandated cover that will be available to all employees and cannot be changed.
Core benefits include:
• Medical Insurance cover of INR 4 Lakhs per annum applicable to employee only
• Accident Insurance cover of 3 times annual TTC (Total target cash), a minimum of INR 20 Lakhs
and a maximum of INR 50 Lakhs
• Life insurance cover of 3 times annual TTC (Total target cash)
Optional Benefits’ is the catalogue that intends to drive four key themes - Health & Wellness, Diversity &
Inclusion, Personal Development and Lifestyle. There are two types of Optional Benefits – Insurance
and Non-Insurance Benefits. Please refer to the Optional Benefits catalogue for the list of benefits.

Q. Am I eligible to participate in the FlexBen program?

A. All I-User (Full-Time, Part-Time and Vocational Training Scholars) employees from the below
mentioned entities are eligible to participate in the program.
• SAP Labs India Pvt. Ltd.
• Ariba Technologies India
• SY Software India Pvt. Ltd.
• SAP India Pvt. Ltd.
• Ariba India Pvt. Ltd.

Q. How many Flex Points will I get? For how long will the Flex Points be valid?
A. You will receive 18,000 Flex Points at the beginning of the year. The Flex Points will be valid for a
period of one year from 1st January 2018 to 31st December 2018. Flex Points allocation for new hires,
during their first year, will be prorated based on the number of months left in the calendar year from the
joining date.

Q. Will the number of Flex Points vary based on career level?

A. No. All employees, irrespective of career level, will receive 18,000 Flex Points at the beginning of the
calendar year.

Q. What is the monetary value of each Flex Point?

A. 1 Flex Point = 1 INR

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Q. Can unused Flex Points be carried forward to the next year?
A. Unused Flex Points will lapse at the end of the calendar year, which means, Flex Points cannot be
carried forward to the following year.

Q. Can all the Flex Points be used on a single theme of Optional Benefits, such as Health &
Wellness?
A. Flex Points available after allocation to insurance benefits can be used towards any of the four themes
based on your individual requirements.

Q. Are the 18000 Flex Points over and above Total Target Cash (TTC)?
A. Yes, 18,000 Flex Points are over and above TTC.

Q. Can I use the entire 18,000 Flex Points for buying non-insurance benefits and then buy
additional insurance covers through salary contributions?
A. Flex Points will need to be first allocated towards Insurance benefits during the enrollment window. The
balance points, after allocation to insurance benefits, will be automatically allocated to Non-Insurance
benefits at the end of enrollment window. Claims towards non-insurance benefits can be made
throughout the year.

Q. What will happen if the cost of insurance benefits selection exceeds 18,000 Flex Points?
A. If the cost of Insurance benefits selection exceeds 18,000 Flex Points, the excess will be funded
through a one-time salary contribution in March payroll. For new hires, this will take place in the payroll
cycle following the month of enrollment.

Q. Will the deductions be made from gross salary or net salary?

A. All deductions (salary contributions) will be made on net salary.

Q. Can I buy additional Flex Points with salary contributions?

A. After using up the 18,000 Flex Points towards insurance benefits:
• Salary contribution can be used to buy additional insurance benefits like medical insurance,
accident insurance, parental health check, etc.
• Optional non-insurance benefits can be purchased directly from the vendor of your choice. The
list of optional non-insurance benefits and discounts (wherever applicable) are available on the
BenefitsAsia portal.

Q. I am already contributing INR 150 per month towards ‘Care for Life’ fund from my monthly
payroll, why do I have additional option to donate Flex Points to ‘Care for Life’ fund?
A. Flex Points donation to ‘Care for Life’ fund is only possible for birthday gift – and therefore this donation
is capped at INR 2,000. This is over and above the monthly donation of INR 150 to ‘Care for Life’ fund,
that employees may have opted for. Note that monthly donation of INR 150 to ‘Care for Life’ fund is
mandatory to avail the benefits of the fund.

Q. What benefits can I buy with salary contribution?

A. Salary contribution can be used to buy insurance benefits only. These include medical insurance plan
with higher sum insured and dependent coverage, accident insurance, annual health check for parents.
Additionally, you can purchase life insurance top-up cover and critical illness cover by directly visiting
the service provider website (link available on BenefitsAsia portal). Non-insurance benefits cannot be
purchased using salary contribution, however, you can purchase them directly from the vendors listed
on BenefitsAsia portal to leverage the discounts, wherever applicable.

Q. Will there be any tax benefit applicable on the 18,000 Flex Points?
A. There will be no tax exemption benefit applicable on the 18,000 Flex Points since these are funded by
SAP. However, if the cost of Insurance benefits selection exceeds 18,000 Flex Points, the excess will

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 be funded through salary contribution and this expense (borne by employee) will be eligible for Income
Tax deductions u/s 80D, as per prevailing rules.
If the Flex Points are used to buy non-insurance optional benefits, this will be subject to perquisite tax
as per the applicable slab rate, since this is additional income for employees over and above TTC.

Q. Can I change the benefits every year?

A. Yes, you will be able to change your benefits selection during the enrolment window every year. Do
keep in mind the lock-in period for parental coverage under medical insurance (described in medical
insurance policy).

Q. How is FlexBen different from the currently available Flexible Compensation Plan?
A. FlexBen is independent of the Flexible Compensation Plan. Flexible Compensation Plan provides you
different options like HRA, LTA, Medical reimbursement etc. to structure your salary and minimize
taxes. The options available to you under the Flexible Compensation Plan will continue to remain as is
without any changes.

Q. What happens to my Flex Points if I leave SAP?

A. In the event of exit from SAP (not applicable to inter entity transfers within India), during the year, the
entitlement of Flex Points will be prorated and subject to recovery based on the following conditions:
• Flex Points utilized towards Insurance Benefits will not be recovered
• Flex Points utilized towards Non-Insurance Benefits, beyond the prorated entitlement will be
recovered
• All unused Flex Points will lapse on the exit date

Q. Whom do I reach out to in case of questions/support?

A. You can reach out to support helpdesk based on the nature of your query:

Area of support First level support Second level support Escalation path

FlexBen Policy HRDirect Local HR Services Total Rewards

Marsh Account Lead

Marsh Account Manager – Soumya Panda
Preeti Singh Email ID:
Benefits Asia BenefitsAsia Administrator
Email: [email protected]
Portal Email: [email protected]
[email protected] Megha Garg
Mob: +91-9538593388 Email ID:
[email protected]

Medi Assist Account Medi Assist Account

Medi Assist Helpdesk
FlexBen Manager Manager
SAP Toll Free Number –
Optional Tabish Ahmed Sufy Padma T
1800-419-1171
Benefits E-mail: E-mail:
Email:
Claims [email protected] [email protected]
[email protected]
Mob: +91-9379519191
Critical Illness For any Grievance Redressal, there is a detailed mechanism
Policy – ICICI Email: [email protected] documented in our public domain. click -
Prudential https://www.iciciprulife.com/services/grievance-redressal.html

Life Insurance Call center number: 18002707000; Email: [email protected]

Top Up – BSLI

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Enrollment

Q. How can I enroll under the SAP FlexBen program?

A. You can enroll into the FlexBen program by logging on to the BenefitsAsia portal. Please refer to the
policy document for the steps to enroll.

Q. Will I receive confirmation of my benefits selections once I have enrolled?

A. Once you’ve completed your enrollment on BenefitsAsia, you can print a copy of your account
statement for your records. You will also receive a statement via mail from BenefitsAsia team
confirming your selections post closure of enrollment window.

Q. What changes can I make in my plans once the enrollment window has ended?
A. Once you have made benefits selection, you must remain within that plan for the rest of the policy year.
You will be able to change your selections during the next enrollment window. In case of life events like
marriage and childbirth, details of the new member (spouse/ child) will need to be updated on
BenefitsAsia within 30 days of the event. Refer to policy for process details.

Q. What happens if I don’t complete my enrollment by the deadline?

A. If you miss the enrollment window, you will be moved into the default insurance plans for medical,
accident and life insurance. The remaining points will be allocated towards the Optional Non-insurance
benefits bucket) and can be reimbursed throughout the calendar year.

Q. What are the default insurance plans?

A. Default insurance plans are described below:
• Default medical insurance plan for SAP India/Ariba India – 6 Lakhs sum insured for self, spouse,
children (up to two) and Parents/In-laws (up to two) with 4 Lakhs sub-limit in sum insured for
Parents/ In-laws
• Default medical insurance plan for SAP Labs/Ariba Technologies/Sybase Labs – 6 Lakhs sum
insured for self, spouse and children (up to two)
• Accident Insurance cover of 3 times annual TTC (Total target cash), a minimum of INR 20 Lakhs
and a maximum of INR 50 Lakhs
• Life insurance cover of 3 times annual TTC (Total target cash)

Q. Who do I contact if I have questions about BenefitsAsia or if I forget my password?

A. You can write to the BenefitsAsia support team at [email protected].

Q. What is the 2018 annual enrollment period?

A. The annual enrollment window will be from 18th December 2017 to 31st January 2018

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Medical Insurance

Q. Which is our insurance company for Medical Insurance?

A. National Insurance Company

Q. Who is our Third-Party Administrator (TPA)?

A. Medi Assist

Q. What is a Medical insurance policy?

A. The Medical insurance policy provides insurance coverage to SAP employees & their dependents for
expenses related to hospitalization due to illness, disease or injury subject to a minimum of 24-hours
hospitalization.

Q. What is the core Medical Insurance cover, under FlexBen?

A. The core Medical Insurance cover is INR 4 Lacs for Employee only

Q. Beyond the Medical Insurance core cover provided by SAP, can I cover my dependents or
increase the sum insured? What if I want a higher sum insured for a family structure that is not
represented in options?
A. Yes, you can use your Flex Points/ Salary contribution to choose a medical insurance plan that covers
dependents as well as provides a higher sum insured.
Irrespective of the family structure, you are allowed to choose any plan which is available in
BenefitsAsia portal. For example, an employee who is single, and wants to cover for a sum insured of
INR 26 Lakhs, can still go ahead and select this plan – the coverage will be for employee only for a sum
insured of INR 26 Lakhs.
Refer to the below table:

Q. Are there any age limits for dependents to be eligible for Medical Insurance?
A. There are no age limits under the Group Medical Insurance policy.

Q. Can I cover my parents-in-law under medical insurance?

A. Yes, you can cover a maximum of two dependent parent – includes parents as well as in-laws. Any
combination of two dependent parents can be chosen to enroll under medical insurance policy.

Q. Can I cover additional dependents under medical insurance?

A. Employees will have an opportunity to cover additional dependents (3rd child, dependent sibling and
parents/in-laws which are not covered in the medical insurance), through Additional Dependent Cover
policy.

• Please add the additional dependent on the BenefitsAsia portal

• Once the annual enrolment closes on 31st January 2018, employees who have uncovered
dependents will get an e-mail from BenefitsAsia system with policy details

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 • Employees will have two-week window to enroll these dependents into the policy
• Unallocated Flex Points can be used to buy this coverage

Q. What happens if I do not enroll parents under medical insurance and then they lose their
coverage and need to opt back into the plan?
A. You can enroll parents under medical insurance during the enrollment window. However, if you do not
opt for parental coverage during the enrollment window, you will only be able to make this change
during the annual enrollment window next year.

Q. Will there be a lock-in period for covering parents under medical insurance?
A. Yes, there will be a lock-in period of 2 years if you choose to cover your parents - employees will be
allowed to change their enrollments only once in every two years and not on an annual basis. A fresh
lock-in period will apply starting 1st Jan 2018 – which means if you enroll parents in 2018, you must
retain parental cover in 2019 as well, and choose to not enroll only in 2020 or later.

Q. I had covered my parents under medical insurance in 2017 with a lock-in of 2 years. Do I need to
cover them in 2018 as well?
A. Since FlexBen is being introduced effective 1st Jan 2018, you will have the flexibility to not enroll
parents in 2018, should you choose to do so. However, the lock-in period of 2 years will be applicable
from 2018 onwards.

Q. What are the requirements to avail the Medical Insurance claim under SAP FlexBen?
A. The Medical Insurance policy stipulates that a claim is admissible when the insured (beneficiary) is
admitted in a hospital for a minimum of 24-hours for the treatment of an illness.

Q. Is the 24-hour condition applicable for all ailments under Medical Insurance policy?
A. Yes, the 24-hour hospitalization is a must. However, this time limit is not applicable for specific
treatments (referred to as day care hospitalization) i.e. Dialysis, Chemotherapy, Radiotherapy, Eye
Surgery, Tonsillectomy, etc. taken in the Hospital/Nursing Home and the insured is discharged on the
same day. These treatments will be considered under hospitalization benefit. Please note that these
treatments will have to be necessarily availed as an inpatient only. Please refer to our day care list
provided in the policy document.

Q. What expenses are payable under Medical Insurance policy

A. Below expenses are covered under Medical Insurance policy:
• Room Rent
• Doctor Fees, Nursing Expenses, Consultant Specialist Fees
• Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines, Drugs,
Diagnostic Materials & X-ray, etc.
• Ambulance charges

Q. Are medical expenses prescribed after discharge (pre & post-hospitalization expenses)
payable?
A. Relevant medical expenses incurred during a period up to 30 days prior to hospitalization, and the
relevant medical expenses incurred up to 60 days after hospitalization are payable.

Q. Are Pre-existing ailments covered under the Medical Insurance policy?

A. Yes, pre-existing ailments are covered under the policy

Q. Is Maternity covered under the Medical Insurance policy?

A. Yes, maternity benefit is covered up to INR 75,000 for Normal delivery as well as C-section delivery.

Q. Is the New Born baby covered under Medical Insurance policy?

A. Yes, New Born baby is covered from day one upon enrollment.

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Q. What are the general policy exclusions operating on all policies in the country?
A. Indicative list of general exclusions:
• Injuries or diseases caused by war and war like operations
• Circumcision, Vaccination, Inoculation, Cosmetic treatment, Plastic surgery
• Cost of Spectacles, Contact Lenses & Hearing Aids
• Dental treatment without hospitalization unless arising due to an accident
• Convalescence, General weakness, Congenital external, Sterility, Venereal disease, Alcohol
use, Self-injury
• Any disease caused directly or indirectly due to AIDS Virus
• Hospitalization for diagnostic test only and expenses without any disease
• Vitamins and Tonics unrelated to treatment
• Injuries or diseases caused by nuclear weapons
• Abortion during first three months of pregnancy
• Other types of medical treatment like Homeopathy and Naturopathy treatment
• If there is no active line of treatment during the period of hospitalization
• Any cosmetic treatments, plastic surgery, surgery for change in gender
These are only indicative. For detailed list, refer to the insurer website/portal.

Q. Which are the other expenses that are excluded apart from those mentioned under general
exclusion?
A. Other exclusions:
• Registration Fees, Service Charges, File opening fees
• Telephone, Internet charges and other non-medical charges
• Food and refreshments supplied to visitors and attendants
• Television charges
• Any other expenses not related to treatment of illness
• Charges paid to organ donors

Q. Will change in names be allowed during the medical insurance policy period?
A. Claims will not be settled (unless prior intimation has been provided to the insurance company) if there
is any alteration in the name. Any change of name needs to be intimated to the insurance company and
the requisite endorsement for the change of name needs to be passed by the insurance company.
You need to intimate such changes to LHRS team via HRDirect ticket, who will intimate the request to
the insurance company.

Q. What is a Medical Insurance e-card?

A. It is an identification card, which will entitle you to avail cashless hospitalization and any other
negotiated benefits at the network hospitals of TPA on pre-authorization. Please remember that the e-
card is not a credit card. The card does not entitle you to credit towards outpatient treatment. To avoid
any misuse of your card, the hospitals may ask you to furnish some identification card (like Voter ID,
Aadhar, etc.).

Q. How do I get a Medical Insurance e-card?

A. A login and password will be provided to the employee to login into BenefitsAsia portal. Print e-card
directly for self and dependents enrolled in the program. You may also contact TPA Relationship
Manager for any assistance that you may require.

Q. What are network hospitals?

A. These are hospitals where TPA & Insurer has a tie-up for the cashless hospitalization. For more details
and hospital list visit TPA Website.

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Q. What is cashless hospitalization?
A. The cashless hospitalization is the benefit given to the insured, where you need not pay the expenses
incurred due to hospitalization, and the bill will be paid by TPA to the hospital directly after deducting
the non-medical/non-payable expenses. For the list of hospitals in the network you can visit TPA
website.

Q. What should I do when I reach the network hospital?

A. Please show your e-card for identification or provide your employer name and employee number along
with your government approved photo ID proof. The pre-authorization form is also available at the
Hospital TPA Desk and needs to be sent to the TPA on the same day of admission through the hospital
authorities. Upon receipt of duly completed pre-authorization form, TPA will send a letter of
authorization to the hospital to make sure that they extend the cashless benefit. You may be required to
pay security deposit with the hospital. All non-medical/non-payable expenses and non-admissible
expenses will be deducted from the security deposit by the hospital.
If the cashless request is denied, you can submit all relevant documents, reports, admission &
discharge card and bills for reimbursement. You can submit the claim along with claim form and all the
necessary supporting documents to the TPA.

Q. Is pre-authorization necessary?
A. Yes. This will help you in the following ways:
• You will be able to avail cashless facility for hospitalization
• You will be informed in advance regarding the coverage for your treatment so that your claim
does not get rejected at a later stage and you do not end up paying out of pocket
• It will help you ensure that the treatment cost is appropriate and not inflated
• This will also help in planning your hospitalization expenditure such that you do not run out of the
cover that you are entitled to

Q. What is the procedure for availing cashless facility?

A. In case of planned hospitalization, insurers require the first prescription with the details of the case
history indicating following details:
• Provisional diagnosis or reason for getting admitted in hospital
• Proposed date of admission
• Approximate expenses
• Name of the hospital and consultants
• Approximate duration of stay at the hospital
• Attached doctor's prescription with admission note

The above documents along with pre-authorization form need to be delivered to the TPA at least 48
hours before admission.
In case of emergency hospitalization, member will get admitted to the network hospital and avail the
treatment. Pre-authorization form need to be faxed /emailed by the family to the TPA as soon as
possible (within 24 hours) and get cashless approval.

Q. If I avail the cashless facility, will the insurance company pay the entire bill at the hospital?
A. No, a part of the bill will need to be borne by the insured. This will consist of the non-admissible
amounts that are listed by the insurer and non-medical/non-payable expenses.

Q. What are claim reimbursements?

A. In the event that you are hospitalized in a non-network hospital or where cashless hospitalization is not
availed, you can pay the claim amount to the hospital post verifying the bills/charges and then claim
through reimbursement. You need to submit all the original bills along with the claim form to TPA and
the hospitalization expenses will be reimbursed to you. Please fill the claim form and submit the same
along with claim documents to TPA or handover the same to TPA Helpdesk.

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Q. How can I claim my pre & post-hospitalization expenses?
A. The policy covers pre-hospitalization expenses incurred prior to 30-days of hospitalization and incurred
towards the same illness/ disease due to which hospitalization happens. It also covers all medical
expenses for up to 60-days post discharge as advised by the Medical Practitioner. All the bills with
summary along with a filled in claim form stating PRE-POST to be sent to TPA for reimbursement.

Q. If I have a medical insurance policy in Mumbai, can I make a claim if I am transferred to any
other location?
A. Yes, your medical insurance policy is valid in all locations within India. Policy is not applicable outside
India.

Q. Is there any special criteria for seeking admission/ treatment in the hospitals/ nursing home?
A. Yes, the hospitals should comply with minimum criteria as per below:
• Hospital should have at least 15 inpatient beds. In class “C” towns, the condition on number of
beds may be reduced to 10.
• Fully equipped operation of its own (wherever surgical operations are carried out)
• Fully qualified nursing staff under its employment (round the clock)
• Fully qualified doctor(s) should be in charge (round the clock)

Q. Is there a minimum time limit for stay within the hospital under the medical insurance plan?
A. Typically, the insured can make a claim if her/his hospitalized stay is for over 24-hours. However, for
certain treatments, such as dialysis, chemotherapy, eye surgery, etc., the stay can be less than 24
hours. Refer to day care procedures.

Q. What happens when the sum insured limit is exhausted under the Medical Insurance Policy?
A. If the sum insured limit is exhausted in a particular year due to large medical expenses, the insurer is
not liable to bear/reimburse the insured for any further expenses.

Q. Who will receive the claim amount if the insured dies at the time of treatment?
A. The claim amount is paid to the nominee of the insured. If no nominee has been assigned under the
policy, the insurance company will insist upon a succession certificate from a court of law for disbursing
the claim amount. Alternatively, the insurers can deposit the claim amount in the court for disbursement
to the legal heirs of the deceased.

Q. What is time frame for the submission of Reimbursement Claims?

A. The claim needs to be submitted within 30 days from the date of discharge.

Q. Where do employees / dependents contact for any assistance?

A. Please contact TPA Relationship Manger as mentioned in the medical insurance policy

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Accident Insurance

Q. What is Accident insurance?

A. Accident Insurance is one of the employee welfare measures provided by SAP in association with
National Insurance Company. The policy covers for insurance of an employee in case the incumbent
meets with an accidental injury or any injury caused due to an act of terrorism.

Q. What is covered under this Accident Insurance plan?

A. Accident Insurance covers below:
• Accidental death
• Dismemberment
• Permanent total disability
• Permanent partial disability
• Temporary total disability

Q. What is the accident insurance sum insured under Core Benefit?

A. The accident sum insured under Core Benefit is 3 times annual TTC (Total target cash) for employee
only, a minimum of INR 20 Lakhs and a maximum of INR 50 Lakhs

Q. Beyond the core benefit, can I cover my dependents or increase the insured sum?
A. Accident insurance is available only to employees. You can choose to top-up the sum insured with Flex
Points as per below table:

Q. What is Permanent Total Disability (PTD)?

A. PTD means disablement that entirely prevents an Insured Person from attending to any business or
occupation of any kind which lasts 12 months and at the expiry of the period is beyond hope of
improvement. The applicable 100% of sum insured is paid.

Q. What is Permanent Partial Disability (PPD)?

A. PPD is doctor certified total and continuous loss or impairment of a body part or specified sensory
organ. In case of an accident, if the injury leads to a partial disability i.e. the insured can be gainfully
employed but the injury is permanent in nature (disability continues for a period of 12 consecutive
months), the applicable sum insured would be paid.
For any other Permanent Partial Disability event not provided above, the insurance company shall pay
an appropriate percentage of sum insured as decided by them.

Q. What is Temporary Total Disability (TTD)?

A. TTD means disablement which temporarily and totally prevents the Insured Person from attending to
the usual business duties or occupation. In case of confinement at home / hospital due to an accident,
an employee is unable to go to office and there could be a loss of pay. This benefit entitles an employee
a protection against loss of wages due to an accident.

Q. What are the exclusions under the policy?

A. Some of the exclusions are (please refer to the policy document for the complete list):
• Pre-existing conditions • War
• Suicide • Illegal act
• Military Service or operations • Bacterial infections

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 • AIDS • Radioactivity
• Dangerous/ adventure sports • Under influence of Alcohol & Drugs
• Pregnancy or anything related to • Participation in professional sports
childbirth

Q. What is the coverage scope?

A. The coverage is offered worldwide – 24 X 7

Q. What is definition of an Accident?

A. Accident includes any sudden, unforeseen, uncontrollable, unexpected physical event caused by
external violent and visible means. It includes:
• Cyclone • Falls
• Earthquake • Factory / Machine Accidents
• Floods • Fire
• Landslide • Fire-arms
• Lightening & Torrential Rains • Poisoning
• Air-crash • Animal bite
• House / Building Collapse • Stampede & Suffocation
• Drowning • Train accident
• Electrocution • Rail accident

Q. What is Accidental Bodily Injury?

A. Any injury to the Insured Person caused by an accident which occurs during the policy period but does
not include any condition which is also a sickness or illness or disease or any degenerative condition
provided that the injury results in any of the events specified in the policy within 12 calendar months
from the date of such injury.

Q. What is the Definition of Act of Terrorism?

A. It means any actual or threatened use of force or violence directed at or causing damage, injury, harm
or disruption, or commission of an act dangerous to human life or property, against any individual,
property or government, with the stated or unstated objective of pursuing economics, ethnic,
nationalistic, political, racial or religious interest, whether such interests are declared or not. Robberies
or other criminal acts, primarily committed for personal gain and acts arising primarily from prior
personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist Acts.
Terrorism shall also include any act which is verified or recognized by the relevant Government as an
act of terrorism.

Q. Who pays the accident insurance premium for the Core Benefit?
A. Company pays the premium for providing accident insurance cover up to Core Benefit.

Q. How do I make the claims?

A. You will have to contact the LHRS team for the claims. The claim form would be available with the
LHRS team.
The following information is required for the claims:
• Your Contact numbers
• Policy Number
• Name of Injured person (Sr. No. in the schedule of the policy)
• Date & Time of Loss
• Location of accident
• Nature of accident
• Nature of injury

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 • Place & contact details where insured person may be visited (home/ hospital)
However, as soon as the claim occurs you will have to inform the LHRS team of the same ideally
within 24 hours of the occurrence of the accident.

Q. What is a claim documents checklist?

A. The following is a general checklist of documents required for processing the claim (please refer
detailed check-list filed in the Accident Insurance policy):

Death claim:
• Completed claim form
• Attending Doctor's report
• Death Certificate
• Post Mortem/ Coroner's report
• FIR (First Information Report)
• Police Inquest report, wherever applicable

Disablement Claims:
• Claim form
• Original Disability Certificate from the Doctor along with investigation / Lab reports (X-ray etc.)
• FIR, Police Inquest report, where applicable

Weekly Benefit Claims:

• Claim form
• Fitness Certificate from the Doctor, Investigation/Lab reports (X-rays &reports etc.)
• FIR (if any)

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Life Insurance

Q. What is a Life Insurance plan?

A. Life Insurance Plan is an annually renewable term insurance plan offered to all employees of the
company. The policy covers death due to all causes. SAP provides life insurance to all employees to
ensure that your family receives an insurance benefit in the unfortunate event of your passing.

Q. What is the Core Benefit under Life Insurance?

A. The Core Benefit sum insured is 3 times annual TTC (Total target cash) for employee only.

Q. Beyond the Core Benefit, can I cover my dependents or increase the insured sum?
A. You can top-up the sum insured with your Flex Points/salary contribution as per below table:

Dependents cannot be added under life insurance.

Q. What is the coverage scope?

A. The coverage is offered worldwide – 24 X 7

Q. Do I need to go for a medical check-up?

A. The Free Cover Limit (FCL) offered is INR 6 crores. Employees whose proposed sum insured is higher
than the free cover limit will need to undergo medical tests and provide evidence of insurability
satisfactory to the insurance company. Until completion of the medical underwriting process, the
members sum insured will be limited up to FCL.

Q. Under what circumstances will the insurance cover cease to exist?

A. The cover will automatically cease upon:
• Date of termination of policy coverage
• On reaching the retirement age
• Date of withdrawal from employer’s services

Q. Can I purchase Life Insurance top-up cover or Critical Illness cover using Flex Points?
A. Since life insurance top-up and critical illness covers are a retail product, you can purchase this cover
by directly visiting the vendor website (provided on BenefitsAsia portal). The payment can be made
using personal debit/credit card and can be reimburse against available Flex Points following the
reimbursement process.

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