India

Health Insurance
The Multiplier Way

Motivate & empower your employees with health

insurance benefits of global standards.
Elevate your benefits administration experience with
the Multiplier platform
Retain & incentivize your part-time as well as full-time employees with stellar
health insurance benefits tailored according to your need

HOSPITAL CONFINEMENT & SURGERY

Eligible expenses covered in connection with a hospital confinement or surgery

PRE-EXISTING DISEASES COVERED

All pre-existing conditions are covered from day 1

COVER FOR OPD INCLUDING DENTAL & VISION

Cover the cost of doctor consultation, prescribed tests, and pharmacy

NO ROOM RENT LIMITS OR DISEASE-WISE CAPPING

Choose any hospital room you prefer without worrying about restrictions

ZERO CO-PAYMENT
100% of eligible expenses are covered

MENTAL WELLNESS PROGRAM

1 on 1 Coaching Sessions with certified coaches and counsellors
S.No Schedule of Benefits Silver
(in INR)

Basic Details

01 Annual Maximum Limit (Sum Insured) ₹ 1,000,000

02 Members Covered Employee only

03 Age-Group 1 day to 90 Years

04 Co-pay None

05 Deductible None

Inpatient Hospitalization

01 Room Rent limits No Limit

02 Disease-wise capping No Limit

03 Pre-existing diseases cover Covered from Day 1

04 Day-care Treatments Covered

05 Domiciliary Hospitalisation Covered

06 Road Ambulance ₹5,000 per hospitalization

07 Air Ambulance Up to ₹100,000

₹5,000 per family

08 Attendant charges if length of stay for the patient is more than
5 days

09 AYUSH treatments Covered

10 Terrorism Covered

11 Pre and Post hospitalization expenses 60/90 days

Mental Illness
12 Covered up to ₹30,000 within Sum Insured
Hospitalization

Motivate & empower your employees with health

insurance benefits of global standards.
 OPD Coverage

01 OPD Coverage Limits Covered up to ₹10,000

Broadest possible coverages. Includes,

wherever medically advised:
1. Vitamins, Supplements
2. Vision incl. Spectacles and Lenses, where
medically advised
3. Dental Treatments incl. Fillings, Root
OPD Coverages
02 Canals
(Excluding Cosmetic Treatments)
4. Vaccinations incl. COVID Vaccination
5. Mental Health Therapy
6. Physiotherapy
7. Nursing care post-hospitalization
8. AYUSH treatments
9. Diagnostics, Medicines

Vision and Dental (Non-OPD)

01 Cataract Covered, no limit

Covered
02 Lasik Surgery
(if correction index is +/- 5D)

03 Lucentis Covered up to ₹50,000

Modern/Next-Gen Covers

Covered, donor expenses covered if the

01 Organ donor
organ donated is for Insured's use

02 OPD including Dental, Vision Covered up to ₹10,000

03 Covid-19 treatments Covered

04 Internal Congenital disease Covered

05 External Congenital disease Covered in life threatening situation

Modern treatments
06 Covered with 50% co-pay
e.g. Cyber-knife, Stem Cell

07 Cochlear implant Covered up to 50% of Sum Insured

 Mental Wellness Program (Only for Employees)

01 Mental Wellness Program ✓

Note: New mental wellness program will be applicable only to the new employees enrolled on or after 1st Sep
2023. Employees enrolled before 1st Sep 2023 must opt for the same by paying an extra USD 10 per month.

Accident and Disability Insurance

01 Sum Insured ₹3,000,000

Employee only
02 Members Covered
(Age of 18−65 Years)

03 Accidental death Cover up to 100% of Sum Insured

Accidental Hospitalization covered up to

04 Medical Expenses
₹200,000

05 Permanent Total Disability Cover up to 100% of Sum Insured

06 Permanent Partial Disability Cover up to 100% of Sum Insured

Cover up to 1% of sum insured OR ₹20,000

07 Temporary Total Disability/Loss of Income per week or actual weekly salary, whichever
is lower

08 Carriage of Dead Body 2% of Sum Insured up to ₹10,000

Funeral Expenses, Transportation of Mortal

09 Covered up to ₹25,000
Remains

For two dependent children in case of

10 Children Education Welfare Death of Employee - up to ₹10,000 per
child

Covered up to ₹15,000 or actual, whichever

11 Accident-induced Fractures Cover
is lower

Covered up to ₹15,000 or actual, whichever

12 Accident-induced Burns Cover
is lower

Covered up to ₹25,000 or actual,

13 Compassionate Visit
whichever is lower

14 Road Ambulance Covered up to ₹5,000

Mental Wellness Program
Multiplier is excited to offer a modern-day Mental Wellness Program that makes it easy for the employees to
get on-demand mental well-being support within seconds. With this plan, employees will have access to an
app to book 1:1 sessions with Panel of certified ICF coaches and licensed counsellors. Our Insurance Partner
conduct Live Webinars, Workshops, and Panel Discussions to help employees continuously learn and
improve their well-being. Mental Health Care App has recorded webinars, mini sessions, tools, and a
growing library of up to 300 modules and activities for self-learning and care. Employees do have a 24*7
dedicated support team for appropriate care. Mental Wellness Program will aid in improving employees'
overall satisfaction and happiness, increasing productivity, motivation, and loyalty.

Benefits Offered Description

● Self-care app and skill-buliding programs

Self Care App ● Mini sessions and tools that help in moment
● Growing library of over 300 modules and activities

● 30−minute sessions with certified coaches and counsellors

● Total 9 sessions per employee per year
● International Coaching Federation (ICF) Certified Coaches

1:1 Proactive Coaching Sessions for professional and personal development

● Counsellors and Psychologists for emotional andmental
wellbeing support
● Same-day appointments

● Learning and Development Programmes on quarteraly

basis which includes:

Learning and Development (L & D) ○ Employee Webinars - 1 hour sessions

Programmes ○ Connect & Learn Sessions - 2 hour sessions
○ Panel Discussions - 1 to 1.5 hour sessions
● Access to library of recorded webinars

● 24*7 helpline for employees

Employee Distress Helpline ● Available to support distress cases and descalate crisis
● Able to assess risk and refer employees to appropriate care
Employee Webinars:

Provide employees with key mental health knowledge to increase awareness on one's self and apply
practical techniques to proactively care for their mental wellbeing.

Important topics to be covered such as:

● Work-life Balance Hacked! Healthy Boundaries & Habits for both WFH & WFO
● Proactive Skills to Manage Stress & Keep Burnout at Bay
● Mastering the Art of Collaboration & Teamwork
● Escaping the Perfectionism Trap
● Sleep Matters

Connect & Learn Sessions:

Provide employees with continuous learning from the Webinar session to strengthen knowledge and
understanding through engaging in open discussions, reflection activities, identifying patterns, habits and
behaviours which can be addressed as live exercises, tips, strategies and techniques.

Panel Discussions:

Panel discussions by a group of experts on the topic of choice related to mental health care such as
Journeying in Mental Wellbeing, Creating a Mentally Healthy Workplace, Wellbeing at Work etc.
Frequently Asked Questions (FAQs)

1. What are in-patient benefits?

In-patient care is when a patient must stay in the hospital for close monitoring for more than 24 hours.
Some common examples of in-patient care are surgeries, routine & complex, serious illnesses, severe
injuries, etc. In-patient benefits include hospital beds, resources like medicines and observance of
healthcare professionals.

2. What are out-patient benefits?

Out-patient care does not require hospital care and refers to visits to clinics, associated hospitals,
specialist consultations, etc. that do not require overnight hospital admission. Some common
examples of out-patient care are general physicians, diagnostic services, treatments, etc.

3. What is a cashless claim settlement?

A cashless claim settlement means that the insurance company will pay directly to the hospital at the
time of discharge without any upfront payment.

4. What is a pre-existing conditions coverage?

Pre-existing conditions are chronic or long-term illnesses including diabetes, cancer, lupus, etc. for
which treatment or diagnosis has been received before enrolment in the health insurance plan.

5. What is co-payment?
Co-payment means splitting the costs of the insurance claim with the insurer. The policyholder will pay
a portion of the medical expenses and the remaining amount will be borne by the insurance company,
as stated in the policy

6. What is daily room & board benefit?

These benefits refer to the actual accommodation charges during a hospital confinement within the
limit of the benefits.

7. What is hospital confinement?

“Hospital Confinement” shall mean confinement in a Hospital for any duration as long as there is
(a) a Room and Board charge or
(b) a surgery
Frequently Asked Questions (FAQs)

8. What is a day-care procedure?

A day care procedure includes any medical treatment or surgical procedure which requires
hospitalisation for less than 24 hours.

9. Are dependents covered under the Mental Wellness program?

No. Dependents are not covered. We do offer Mental Wellness benefits to employees only.

10. Whom should I contact incase of any query?

For Health insurance related information
[email protected]
Telephone: 080 47170505

For Mental Wellness Program

[email protected]

Multipliers Contact Details

benefi[email protected]
© Copyright Multiplier 2024 — All right reserved.