Employee Benefits Manual for Topup Mediclaim Policy UIB

Table of Contents Key Takeaways 2 1 Brief Introduction about Top up Policy 2 Benefit of Top up Policy 3 Frequently Asked Questions 4 Benefits Comparison of TOP Policy & GMC 5 Process Note 6 Premium & Sum Insured Slabs with Data enrollment Format Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Brief Introduction of Top up Policy is an Extended Health Cover, which supplements your existing mediclaim insurance policy, insuring you have a larger sum insured limit at lower cost. If the sum insured of your existing health insurance plan does not suffice for medical expenditure , the Top-up Policy takes care of the additional hospitalization expenses. A Top up Policy then ensures you do not run short of money if your health insurance policy runs out. . 3 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary. A serious illness or accident can require long term care and complicated treatment that can quickly become expensive and exhaust your Sum Insured.

Benefit of Top up Policy 4 Extended Health Cover up to Base Sum Insured Limit Applies over and above your company’s health policy Exclusively designed for CIPL/CCIPL employees Better coverage, Cost Effective, lesser premium Tax Benefit under section 80 D Continue the SAME benefit with Base policy Higher Medical insurance protection Easy claim process with lesser documents Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Benefit of Top up Policy (As Compared to Main Policy) Coverage Type Benefits Under Top Up Policy Floater sum insured (SI) & Over & above 5 lac SI Eligible Members Pre Existing Disease Covered 30 days waiting Period 1 st & 2 nd Year waiting period Room Rent Eligibility Day Care Procedure Internal Congenital Disease Pre and Post Hospitalization Cover on account of Terrorism Cover for Epidemic Break Ambulance Charges Air Ambulance Charges Maternity Benefit Maternity related Complication Pre & Post Natal Charges IVF Treatment Healthcheck up Expenses Well baby Care Charges Cyber knife Disease Capping Robotic Surgery 5 Vaccination charges (cervical cancer vaccine) Snake/Dog/Monkey bite Ayurveda/Unani Treatment Claim Intimation Claim Submission Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary. As declared under CIPL/CCIPL Corporate Policy through "workday" Covered Waived off As per CIPL/CCIPL Corporate Policy Covered for 30 & 60 days Covered Allowed Not Allowed Not Allowed As per Main policy only Not Allowed 48 hours from the date of admission 15 days from the date of discharge

Process Note • • • 6 Policy will be issued in the name of Employee. Policy tenure will be for one year from the date of issuance and employees can choose Sum insured limits as per options provided. In case any of existing employees has missed to opt for top up policy at the time of inception i. e in 1 st Qtr. , then option in 2 nd Qtr. will be made available for declaration. Post 2 nd Qtr. , Option will be freezed for existing employees (if any request received post this period) will not be able to enroll themselves Policy will be issued for one year and premium will be paid accordingly. Coverage will be provided to same family members, as declared in Ciena policy. Payment will be done by employee through Cheque/Demand Draft in favor of “M/s National Insurance Co. Ltd. ” In case employee is left from the organization, policy benefit will be freezed w. e. f date of relieving and premium will be refunded to employee. (Premium will not be refunded in case claim is reported under policy). Employee can have option to take Retail (individual) policy from the same company & Continuity benefit can be provided as per his/her tenure with Ciena/corporate policy, however terms/conditions and Premium will be applicable as per Retail insurance policy. Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Premium & Sum Insured Details for Top Up Policy • Premium & Sum insured details for Top up policy Sum Insured Limits Annual Premium INR 1 Lac INR 2 Lac INR 3 Lac INR 4 Lac INR 5 Lac 5, 528 11, 056 16, 584 22, 112 27, 640 Premium provided is inclusive of Service Tax @ 14. 5%, in case change in service tax, loading for increased ST component is to be applied Since Top Up Policy is linked with main Policy , For further coverage after Feb, 14 -2017 Insurer can forth close Top up policy & issue new Top Up Policy with Main policy but it is possible if both partners (Ciena & NIC) are agreed. In this scenario premium will refund on Prorata basis & will adjust for renewal TOP UP Policy. 7 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Declaration/Confirmation Process • • • Consent to take coverage for Top up policy is to be shared by employee to ciinsurance@Ciena. com along with limits to be opt for top up policy. Post receiving of request for enrolment under top up policy and as per sum insured option chosen, premium advise will be shared with employee. Premium is to be paid by employee by Demand Draft/Cheque in favor of “National Insurance Co. Ltd. ” Confirmation mail will be shared with Employee with in 3 -5 working days. Policy certificate will be shared with employee with in 10 -15 working days. Enrollment Form _ Top Up Policy 8 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequently Asked Questions Frequently asked Questions – Top Up Policy Frequently Asked Questions What is a Top up and GMC Top Up Policy? The GMC Top Up Policy is a add on a cover that allows an individual to take an additional Policy over and above the existing Group Mediclaim policy. If the sum insured of existing Group Mediclaim Policy plan does not suffice for expenses due to illness or accidents, the GMC Top Up Policy takes care of the additional hospitalization expenses. A GMC Top Up Policy, also known as Super Top Up, is a regular indemnity plan that covers hospitalization costs but only after a threshold limit. In insurance this threshold limit is called deductible. Is it an individual or a group policy? It is a group policy however an individual certificate of insurance (COI) will be provided to all individuals who enroll under the plan. Is it compulsory to take a GMC Top Up Policy? It is a voluntary nomination under the scheme, however it is one of the best medical insurance plan offered to Ciena Group. 9 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequently asked Questions – Top Up Policy What are the advantages/Benefits of a GMC Top Up Policy offered by the Ciena group than the retail ones available in the market? Advantages/Benefits of a GMC Top Up Policy Ø Ø Ø Ø Ø 10 Family care at affordable price Flexible options to choose Sum Insured All covers as per GMC policy No Pre-policy medical check required No Co-pay Pre existing diseases covered Waiting period waived Coverage available for Parents/In Laws along with Spouse and children 80 D benefit No documentation required for policy issuance , except one simple Ciena Format with basic details Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequently Asked Questions Frequently asked Questions – Top Up Policy Who all can be covered under the GMC Top Up Policy? All dependants enrolled under the GMC Policy would be covered under GMC Top Up Policy. After the policy incepts no change in dependants is allowed for the entire policy period. Who is the Insurer & TPA Insured & TPA remains same according to Main Policy (Insurer – National Insurance Company & Paramount will be TPA ( Third Party) Why is the same TPA advantageous? It is advantageous to have the same TPA as there will be no document movement required from one TPA to another and auto registration of the claim would happen in the GMC Top Up Policy when the GMC Sum Insured is exhausted. 11 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequently Asked Questions Frequently asked Questions – Top Up Policy Is enhancement/ reduction in Sum Insured possible in between the policy term? No, but can be done only at subsequent renewal. When will the GMC Top Up Policy trigger? For any GMC Top Up Policy to trigger the cumulative expenses should have crossed the deductible threshold. In this case the deductible is equivalent to Sum Insured. So on exhaustion of Sum Insured the GMC Top Up Policy would trigger. If the policy period of the base policy and GMC Top Up Policy are different, then post inception of the GMC Top Up Policy the deductible value will apply for GMC Top Up Policy activation. Who all are eligible for coverage under GMC Top Up Policy? All employees who are associated with Ciena & covered in Main GMC Policy 12 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequntly Asked Questions Frequently asked Questions – Top Up Policy Are the premiums contributed by the company? No, there is no company contribution. The premiums towards the GMC Top Up Policy has to be borne by the Individual Employee. How does the employee know about his enrolment confirmation within the policy? The employee will receive a mail from on enrolment confirmation from Ci- Desk. Also the certificate of Insurance (COI) will be sent individually to all employees who enrol in the plan. What all can an employee claim under GMC Top up Policy? All eligible medical expenses that can be claimed under a health insurance policy. 13 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.

Frequently asked Questions – Top Up Policy Will the GMC Top Up Policy pay the non-payable amounts such sub limits in base policy including disease capping, co-payments, room rent limits, etc. No, GMC Top Up Policy will not pay the amount which is non payable in base policy except for SI exhaust. . For employees who have left the Organization and would want to claim under the GMC Top Up Policy do they have to show all the bills/reports related to earlier hospitalizations during the corresponding period showing utilization of the threshold limits completely. Also do they need to give any intimation for earlier hospitalizations? No intimation is required but the employee has to maintain a record of all the bills/reports and need to submit the same to the TPA while claiming under the GMC Top Up Policy in order to confirm the utilization of threshold Sum Insured. 14 Copyright © Ciena Corporation 2015. All rights reserved. Confidential & Proprietary.