wipro Mediclaimpolicy

8/19/2019 wipro Mediclaimpolicy

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Group Mediclaim Insurance PolicyVersion 1.0

Oct 1, 2014

Wipro – For Internal circulation only

Employee Compensation & Benefits Team


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Contents

OBJECTIVE .......................................................................................................................................... 3

COVERAGE .......................................................................................................................................... 3

POLICY OVERVIEW ............................................................................................................................. 3

POLICY BENEFITS ................................................................................................................................ 4

POLICY TERMS & CONDITIONS ........................................................................................................... 5

Co-payment ................................................................................................................................................. 5

Day Care Procedures ................................................................................................................................... 7

Health Insurance Portability ........................................................................................................................ 7

Definition of hospital and nursing home ..................................................................................................... 8

Illness ........................................................................................................................................................... 8

CONTRIBUTION .................................................................................................................................. 8

EXCLUSIONS UNDER MEDICLAIM ...................................................................................................... 9

PROCESS FOR CLAIM SUBMISSION .................................................................................................... 9

Claim Documents....................................................................................................................................... 10

Procedure .................................................................................................................................................. 10

E-medical card ........................................................................................................................................... 11

TOP COVER ....................................................................................................................................... 12

Summary table of Applicable Annual Premium based on employee’s age & Scope of Cover .................. 13

Top-Up Policy period ................................................................................................................................. 13

Accessing Top-Up Application ................................................................................................................... 13

CONTACTS ........................................................................................................................................ 14

AMENDMENT HISTORY .................................................................................................................... 14


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OBJECTIVE

Group Mediclaim policy provides for reimbursement of hospitalization expenses for illness, disease or

injury sustained by employee, spouse and children.

Expenses for hospitalization are payable only if a 24 hour hospitalization has been taken. (Except for

select day care procedures, which do not require a 24 hour hospitalization). Under the scheme, the

typical expense heads covered are the following: room/boarding expenses as provided by the hospital

or nursing home; nursing expenses; surgeon, anesthetist, medical practitioner, consultant, specialist

fees; anesthesia, blood, oxygen, operation theater charges, surgical appliance, medicines and drugs.

diagnostic material and X-Ray; dialysis, chemotherapy, radiotherapy, cost of pace maker, artificial limbs

and cost of organs and similar expenses.

COVERAGE

All India based employees of WT, WI, WC and Eco Energy, are covered under the policy.

POLICY OVERVIEW

Policy Details

Policy Holder Wipro Limited

Policy Start & End Date 01st

October 2014 -30th

September 2015

Insurer United India Insurance Co. Ltd.

Third Party Administrator

(TPA)

Medi Assist India Pvt Limited

Sum Insured INR 2 Lakhs per Family

Covered Members Description Special Condition if any

Total Members Covered per

Family (Including Employee)

Employee + Spouse+

Children

This is applicable for all employees in India

Payroll only

Employee Covered

Spouse

Covered

Incase employee’s spouse is also working in

Wipro as a full time employee, please write

to [email protected] to

discontinue premium deduction for one of

the member

Child Covered No Restriction on number of Children

mailto:[email protected]:[email protected]:[email protected]:[email protected]


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POLICY BENEFITS

Policy Benefits

Standard Hospitalization Covered

Pre & Post Hospitalization Expenses Relevant expenses Covered (30 days & 60 days respectively) Refer

maternity benefit for maternity related pre and post limits

Pre-existing & including internal

and external congenital Diseases

Covered

First 30-days & First Year Waiting

Period

Waived off

Ambulance Services Covered (INR 1000 per claim for Emergencies only)

Maternity For Class ‘A’ cities – Normal Delivery: INR 40,000, Caesarian Delivery:

INR 40,000. Other cities - Normal Delivery: INR 30,000, Caesarian

Delivery: INR 40,000. Pre & Post Natal OPD expenses upto INR 5000

within the Maternity Limit is covered. Maternity benefit is applicable

for first two live births only. Any complication rising from pregnancy

will not be covered. New Born Baby Cover from Day 1 Within the maternity limit for the normal expenses. Complications

which require an admission can be processed under floater.

Day Care Procedures Covered (Only list of select procedures like Dialysis, chemotherapy,

radiotherapy and other such specified treatments taken in the hospital/

nursing home where the insured is discharged on the same day. Refer

Policy Terms & Conditions for details). Carries 5 percent copay for all

day care treatments

Dental Covered (INR 10,000 for surgical treatment per family). Out of this, the

sub limit for Root canal treatment is INR 3,000 per tooth inclusive of

cost of the crown.

(Cosmetic treatment like filling, capping, scaling, polishing, dentures,cleaning & treatment of similar nature are not payable. Detailed

prescription, nature of treatment, procedures done, pre-numbered

receipts are a must for dental treatment claims. In addition, X-ray

reports may be asked for if required for justification of admissibility of

claim.)

Invitro fertilization Covered upto INR 40,000

Emergency Air Ambulance facility Covered for a maximum of first 10 cases throughout the year with a limit

of INR 100,000 per case in absence of multi-specialty hospital in a radius

of 50 KM for named ailments only. (subject to approval of insurer)

Mobility Extension Covered(INR 5,000 per Employee). Expenses related to external aids

used for mobility (like walker, crutches) upon the prescription of the

treating doctor and admissibility of the main claim.

Lasik Treatment Covered, if required for correction of power is 6.0D and above

Morbid obesity Treatment for morbid obesity is covered, only if it is life threatening but

not cosmetic purpose

Ayurveda Ayurvedic Hospitalization is covered for treatment taken in registered

hospital with a justified admission

Mental ailment In-patient treatment of mental ailment. Latter should be an established

ailment - genetic or non-genetic.


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HIV HIV covered upto sum insured for self, spouse and children

Stem Cell and Cyber Knife

treatment

Stem cell therapies and Cyber Knife treatment are covered upto 50% of

the sum assured.

POLICY TERMS & CONDITIONS

Co-payment

The Policy will carry a co-pay from the employee for admissible claim amount over and above INR 10,000

for each and every claim. The Co-pay will be applied on claims above INR10,000 for the portion of claim

over and above INR 10,000. If there are multiple claims during the year by an employee, Co-pay will be

applied for aggregate claims crossing INR 10,000 for the year. Co-pay essentially means a percentage of the

claim amount over and above INR 10,000 will be borne by the employee and the same shall not be

reimbursed under any insurance or ancillary in-house medical scheme run by Wipro.

No co-pay will be applicable for admissions in GIPSA PPN network hospital for specified GIPSA procedures.

List of these procedures vary across hospitals and updated lists are available with the hospitals directly.

The policy will carry a co-pay of 5% on all Day Care procedures except in a GIPSA Hospitals for the specifiedGIPSA procedures

Co-Pay limits based on Room Rent categories for non-GIPSA PPN procedures requiring admission:

Lower Room Rent Cap Upper Room Rent Cap

Class A cities: INR 2400, Class B cities: INR 1750 Class A cities: INR 2900, Class B cities: INR 2100

A Standard Co-pay of 10% will apply where the room rent is up to the Lower Room Rent cap.

A co-pay of 15% will apply where the room rent is between lower room rent cap and the Upper room

rent cap A co-pay of 20% will apply where the room rent exceeds the upper room rent cap

‘A’ class cities includes Metros, Bangalore, Hyderabad, Pune and NCR. Rest of the cities are classified as ‘B’

class cities

Sub-limits for Robotics Assisted Surgery

The following ailments are capped with the below mentioned sub-limits (specific to A-type & B-type city).

All procedures other than the ones mentioned below are excluded from the policy if performed using

robotics.

Table 1.1

AILMENTS Surgery Type Description A Class

cities

B Class

cities

Cataract (Inclusive of

Lens)

Eye Surgery Clouding of vision, common in elderly

people

25000 22000

Tonsillectomy Throat

Surgery

Inflammation and infection of

tonsils/adenoids, glands between mouth,

nose and throat

24000 17000

Fistula High General

Surgery

Abnormal connection between two

organs, generally between the rectum and

vagina/rectum and urinary bladder,

35000 30000


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resulting due to injury/surgery

Fisula Low General

Surgery

Same as above 30000 25000

Fissurectomy General

Surgery

Repair of a fissure(a crack or a tear in the

lining of an organ),sphincterectomy is the

correction of a tear on a sphincter( muscle

that helps in contraction of an organ)

25000 20000

Haemorrhoidectomy

(Excluding staples &

tackers)

General

Surgery

Surgical removal of a haemorrhoid(

protrusion of the mucous lining of rectum

due to constipation)

32000 25000

Thyroidectomy –

HEMI

General

Surgery

Partial surgical removal of a thyroid gland(

usually done when suffering from cancer)

40000 35000

Thyroidectomy –

TOTAL

General

Surgery

Total surgical removal of thyroid gland 50000 45000

Arthroscopy Orthopaedics A procedure done by inserting a fiberoptic

tube into the joints to study the nature of

condition causing inflammation

35000 30000

Arthroscopic Surgery Orthopaedics Done to treat cartilage tears( cartilage isthe tissue lining the joints)

75000 50000

Hydroceletomy

unilateral

Urology Removal of hydrocele (collection of fluid

around testes), one side. Related to male

reproductory organ

25000 20000

Hydroceletomy

bilateral

Urology Removal of hydrocele( collection of fluid

around testes), both sides.Related to male

reproductory organ

35000 30000

Coronary Angiogram

(Including dye)

Cardiology An x-ray test done to find out the flow of

blood into and out of one's heart( basically

to study the nature of blood vessels)

20000 15000

Hernia repair – open(including mesh) GeneralSurgery Correction of hernia( protrusion ofinternal organs through weak abdominal

muscles)

40000 35000

Hernia repair –

laparoscopic

General

Surgery

Correction of hernia( protrusion of

internal organs through weak abdominal

muscles)

60000 50000

Appendicectomy –

open

General

Surgery

Removal of appendix by cutting open the

abdomen

35000 30000

Appendicectomy –

laparoscopic

General

Surgery

Removal of appendix by laparoscopy(

insertion of a laparoscope and removal of

appendix by bit by bit, requires just a small

incision on the abdomen)

50000 45000

Cholecystectomy –

open

General

Surgery

Removal of gall bladder upon finding

stone formation( by cutting open the

abdomen)

45000 40000

Cholecystectomy –

laparoscopic

General

Surgery

Removal of gall bladder upon finding

stone formation( by minimal invasion -

using laparoscope)

50000 45000

Hysterectomy – open Gynecology Removal of uterus due to any

complications( by cutting open the

abdomen)

50000 45000

Hysterectomy – Gynecology Removal of uterus due to any 60000 55000


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laparoscopic complications( by laparoscopy)

Day Care Procedures

For the purpose of this definition, Specified Treatment means any treatment involving Dialysis,

Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery, Lithotripsy (Kidney stone removal),Tonsillectomy, D&C taken in the Hospital/Nursing Home.

Also the treatments as mentioned below will form a part of Specified Treatment:

ENT

o Myringoplasty

o Tympanoplasty

o Paracentesis (myringotomy)

FESS

o Tonsillectomy

o Tonsillectomy with adenoidectomy

EYE

o

Operations for pterygium

o Operations for cataract

o Operations for Glaucoma

OPERATIONS ON THE DIGESTIVE TRACT

o Surgical treatment of anal fistulas

o Surgical treatment of haemorrhoids (piles surgery)

GENITAL SURGERY

o Operation on a testicular hydrocele

o Herniotomy / Hernioplasty

o Treatment of a varicocele and a hydrocele

o

Therapeutic curettage (D & C) OTHER OPERATIONS

o Lithotripsy / ESWL

.

Health Insurance Portability

Employees will now have an option to carry forward their health insurance policy (with standard benefits)

even after leaving the Company/ retirement.

Example:

In a retail policy from external market, the period during which pre-existing diseases are not covered is

referred to as the waiting period. In a normal scenario, in case an employee leaves the Company, s/he will

be treated as a new customer and will have to wait for 4 years for getting pre-existing diseases’ coverage.

With the feature of portability, an employee will be given an option to carry forward the Policy

(with standard benefits) with the insurer, subject to certain conditions.

Conditions:

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Portability to be offered to an employee only if s/he has spent minimum 2 years in the organization to

be eligible for portability.

Example:

Say Ram joined the Company on 1st

Oct 2012. He has completed 2 years in the Group Policy. He has quit as

of Nov 2014. Ram can therefore continue with the same policy, however he will not get pre-existing

benefits for next 2 years (so that he completes 4 years of waiting period). Oct 2016 onwards, he can avail

to avail pre-existing coverage.Say, Krishna joined the Company on 1

st Jan 2011. He has completed 4 years in the organization. Krishna

decided to separate from the organization as of April 2015. Since he has already completed 4 years in the

policy (hence waiting period of 4 years is completed), if he chooses to he will get pre-existing benefits April

2015 onwards.

Portable policy will be given at the retail rates approved by the Insurer. Employee opting for retail policy

will have to undergo pre-policy medical tests. 50% of medical test expenses subject to a maximum of

INR375 would be borne by the insurer when the proposal accepted by the insurance company.

Portability cannot be given if employee is suffering from any chronic illness at the time of enrollment inportable policy. Chronic illnesses are conditions or illnesses which are prolonged or recurrent,

progressive and may be irreversible i.e. cancer, organ transplant, renal failure, cardiac disease, brain,

neurological conditions and etc.

Definition of hospital and nursing home

Hospital & nursing home where treatment is availed means any institution in India established for indoor

care and treatment of sickness and injury which is registered with the local authority having 15 inpatient

beds , full equipped operation theatre , fully qualified nursing staff and doctor round the clock.(In class 'C'

towns No of beds be reduced to 10). This condition can be waived in case of very small towns.

The list of network hospitals is dynamic (subject to addition and deletion). It is strongly advisable to check

with Medi Assist customer care number or Mediclaim Helpdesk to check the hospital status.

Illness

Any one illness will be deemed to mean continuous period of illness and it includes relapse within 45 days

from the date of last consultation. Occurrence of same illness after the lapse of 45 days will be considered

as fresh illness.

CONTRIBUTION

WIPRO pays the annual premium on behalf of the employees; the contribution from the employees

towards this premium is accumulated on a monthly basis by way of deduction through salary.

The contribution would be based on Marital Status of the employee, as given below:

Employee Category Monthly Premium


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Individual (Single) INR 230

Married (Family) INR 480

“A nominal amount is collected every month in excess of the medical insurance premium component. The excess will

be utilized towards wellness programs and preventive healthcare interventions. Regular communication will be sent

out on the available programs and we urge you to make the most out of them.”

EXCLUSIONS UNDER MEDICLAIM

Diseases, illness, accident or injuries directly or indirectly caused by or arising from or attributable to

war, invasion, act of foreign enemy, war like operations (whether war be declared or not).

Circumcision whether or not necessitated by vaccination or inoculation or change of life or cosmetic or

aesthetic treatment of any description, plastic surgery unless necessary for treatment of a disease not

excluded by the terms of the policy or as may be necessitated due to treatment of an accident.

The cost of spectacles and contact lenses, hearing aids.

Convalescence, general debility, run-down condition or rest cure, sterility/family planning surgeries

both vasectomy and tubectomy/ infertility, venereal disease, intentional self-injury (whether arising

from an attempt to suicide or otherwise) and use of intoxicating drugs and/or alcohol.

Virus Type III (HTLV –III) or Lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or

Variations Deficiency Syndrome or any Syndrome or condition of a similar kind.

Charges incurred at Hospital or Nursing Home primarily for diagnostic, X-Ray or laboratory

examinations or other diagnostic studies not consistent with or incidental to the diagnosis and

treatment of the positive existence or presence of any diseases, illness or injury whether or not

requiring Hospitalisation/ Domiciliary Hospitalisation.

Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified bythe attending Medical Practitioner.

Diseases, illness, accident or injuries directly or indirectly caused by or contributed to by nuclear

weapons/materials or contributed to by or arising from ionising radiation or contamination by

radioactivity by any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.

Termination of pregnancy within 12 weeks of the gestational period.

Naturopathy treatment, pranic healing, holistic healing, unani, yogic healing etc.

Treatment related like hysterolaparoscopy, ovarian drilling , endometriosis, chocolate cyst, diagnostic d

and C are not covered

IVF Pre and Post or any other infertility related treatment is not covered.

Family planning surgeries are not covered. Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of

any of these including caesarean section, except abdominal operation for extra uterine pregnancy

(Ectopic pregnancy), which is proved by submission of Ultra Sonographic report and Certification by

Gynaecologist that it is life threatening one if left untreated

PROCESS FOR CLAIM SUBMISSION

Remember to declare your family members at the time of a life changing event like marriage, child birth etc.


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Claim Documents

In the event of a claim, you would be required to furnish the following for or in support of a claim:

a) Duly completed claim form

b) Bills, receipts and discharge certificate/card from the Hospital

c) Bills from Chemists supported by proper prescription.

d) Test reports and payment receipts.

For any claims effective 1st

Oct 2013, please use the claim form available in myWipro My Information Source

People Practice India Policies My Financial Mediclaim Medical Insurance Claim form. You will need to

fill the form and drop the supporting documents in Wividus Drop box, please write to

[email protected] for claims processing or for any clarification.

Please refer the portal for the detailed checklist ailment wise: www.mediassistindia.com

Procedure

Depending on the need and condition of hospitalization, employee can go for 3 forms of hospitalization:(i). Planned Hospitalization: In the case of a planned admission, doctor must have been consulted first and

would in turn have advised on the probable date of hospitalization. In such a case, employee must apply for an

approval of the estimated hospital expenses directly with the TPA at least 4-5 days prior to the date of

hospitalization. Employee needs to fill ‘Pre-Authorization form for Cashless Claim’(Available in Section 10, Forms).

This would help you get the best services, room and rate with help of TPA. Below process can be followed for

registering claim incase of a planned hospitalization (Cashless if approved by TPA):

(ii). Emergency Hospitalization : In case of emergency hospitalization, hospital will take up your case on a fast

track basis with your TPA and is likely to receive approvals within 4 hours during any working day.

For cashless treatment it is mandatory for the hospital to have an approval from your TPA. Incase of delay in

receiving the approval or when you cannot wait for receiving the approval owing to medical urgency you can

undertake the treatment by paying the necessary cash deposit.

If you receive approval from your TPA after paying the cash deposit, you are entitled for refund of the cash

deposit (as per reimbursement process mentioned in point (iii)). Below process can be followed for

registering claim incase of an emergency hospitalization:

Employee Approaches the

Hospital with medical ID

Employee to call up TPA to

plan the hospitalization

Hospital Intimates TPA and sends

Pre-Authorization Request with

approximate cost of the

treatment

TPA issues letter of

credit (for cashless)

with approval for partial

amount as per Eligibility

and Coverage to the

hospital

At the time of Discharge

hospital sends the final

bill and the discharge

summary for the final

TPA send the final approval to

hospital which allows the

employee to get discharged by

Sto

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(iii). Reimbursement: Incase any hospital does not accept cashless facility, employee can register the claim as

reimbursement. Below mentioned documents for or in support of a claim need to be submitted within 30

days of hospitalizatio:

a) Duly completed claim formb) Bills, receipts and discharge certificate/card from the Hospital

c) Bills from Chemists supported by proper prescription.

d) Test reports and payment receipts.

Please refer the portal for the complete document checklist on ailment wise: www.mediassistindia.com

a) You would need to log the claim in myWipro under My Financials MAS, Health Check, Medi-cards

& Insurance claim (WISH)

b) All relevant documents along with the claim form need to be dropped in the nearest Wividus drop

box.

c)

Documents must be submitted within 30 days of completion of hospitalization treatment. Anylate submission shall not be considered.

d) Medi-Assist will process and settle the claim within 14 working days of receipt of complete

documents.

E-medical card

You can print yours & your family’s e-card yourself on the link provided below:

Member get admitted in the

hospital in case of

emergency by showing his

Member / Hospital applies

for pre-authorization to the

TPA within 24 hrs of

Member gets treated anddischarged after paying all

non entitled benefits like

TPA verifies applicability of

the claim to be registered

and issue pre-

Pre-authoriza

Hospital sends complete setof claims documents for

processing to the TPA

Claims Processing by TPA &

Insurer

Release of payments to the

hospital

Employee will be

him/herself to the hospital

and claim reimbursementfrom Insurer through TPA.

Yes

No

Stop

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myWipro My Financials MAS, Health Check, Medi-cards & Insurance claim (WISH) Medicard.

Do remember to print the card(s) and share with family right away as medical contingency hits unplanned

most of the time.

TOP COVER

Top up Cover Policy Features

Top Up Cover offers you an option to increase your Mediclaim Insurance for furthering your financia

protection benefit under this plan.

Employee can increase sum insured upto INR 100,000, INR 200,000, INR 300,000, INR 500,000, INR 700,000 OR

INR 1,000,000 over and above the existing sum insured. A one-time premium would be deducted from payrol

in the month this additional coverage is opted for.

Please note that it is important to top-up your cover in case you have a chronic pre-existing ailment, failing

which CMAP benefit may not be released by the Company.

Employees will have option of buying a top-up cover over and above the floater cover at their own expense

Top up is a limited period offer and available from 1st Oct to 15th Nov in 2014.

Critical Illness Cover (Please note – it is important to top-up your cover in order to be eligible for this

benefit):

Amount of cover – INR 2 lacs (over and above sum insured and top up)

This benefit is for the employee only

The critical illnesses covered are as below:

Cancer of specified severity

First Heart Attack

Coronary artery surgery open chest (CABG)

Heart valve replacement

Coma of specified severity

Kidney Failure

Stroke resulting in permanent symptoms

Major organ/Bone marrow transplant

Multiple Sclerosis

Motor Neuron disease with permanent symptoms

Permanent paralysis of limbs

Loss of Pay Cover (Please note – it is important to top-up your cover in order to be eligible for this benefit):

This benefit is for employees only

Amount – INR 5000 per week

This benefit will commence immediately on the day ‘Loss of Pay’ (due to medical exigencies) begins

and will be paid till employee returns to work or for 52 weeks, whichever is earlier

New Employees have to opt for top-up cover within 45 days from the date of joining or on returning from

abroad. The premium payable calculated will be proportionate to the number of months the policy will be

effective.

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The top-up cover can be utilized only after exhausting the main cover.

The Top up policy is applicable from 1st

October 2014 to 30th

September 2015 if applied during the window

mentioned above.

For new joinees/Long Term assignee return cases, top up is applicable from 1st

of the following month in

which you choose Top up Cover in myWipro.

myWipro Top up Coverage application will be accessible from the 1st to the 20th of every month (only for a

new joinee / returnee from Long term onsite assignment).

To choose Top up Cover, please log onto myWipro My Financials Top Up Cover.

Top up option, once selected on myWipro cannot be cancelled.

The Top up Cover lapses in the event of Separation due to resignation / Termination from the company as in

the case of default coverage. There will be no refund of Top up premium paid in such event.

Summary table of Applicable Annual Premium based on employee’s age & Scope of Cover

Amount

Unmarried Married

Below 35

Years36 - 45 Years

Above 45

Years

Below 35

Years36 - 45 Years

Above 45

Years

INR 100,000 450 490 700 950 1030 1260

INR 200,000 850 930 1320 1790 1940 2400

INR 300,000 1110 1200 1710 2320 2520 3590

INR 500,000 1399 1512 2155 2923 3175 4523

INR 700,000 1678 1814 2586 3508 3810 5428

INR 1000,000 2014 2177 3103 4209 4572 6514

Top-Up Policy period

The Top up policy is applicable from 1st October 2014 to 30th

September 2015. You have an option to apply for

Top up from 1st Oct 2014 to 15th Nov 2014 only.

For a new joinee / returnee from Long term onsite assignment, the top up window will be open for 45 days from

date of joining / date of return. The premium payable calculated will be proportionate to the number of months the

policy will be effective. Top up is applicable from 1st

of the following month in which you choose Top up Cover in

myWipro.

Accessing Top-Up Application

myWipro Top Up Cover module will only be accessible from the 1st to the 20th of every month (only for a new joinee

/ returnee from Long term onsite assignment).

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To choose Top up Cover, please log onto myWipro My Financials MoreTop up Cover. Please refer to the

Editorial section for further information on how to raise a request on myWipro.

CONTACTS

For any further information with regards to the Policy,

E-mail Id's Contact No. Timings

First point of contact

for all enquiries and

Cashless claims:

[email protected]

080 32413698 Wipro Working hours

+91 9341625893 24 / 7

First level of

escalation: [email protected]

+91 9379260825 and

702296980324 / 7

Final level of

escalation:[email protected] +91 9739519191

Working hours and for

emergencies 24X7

Visit myWipro My Information Sources People Practices India Other Benefits Healthcare

services to know about the existing offers across the network of hospitals/ clinics.

Visit Channel W Fit for Life to take proactive care of your health!

Top

AMENDMENT HISTORY

Amendment Dat Policy Version Author Approved By Nature of Changes

Oct 1, 2014 1.0 C&B Team Head – C&B Renewed Policy for year 2014-15

Top
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