As a Life and Health insurer, we offer tailor-made packages of comprehensive products designed to help our clients protect their employees and their dependents in the event of any fortuitous incident.
Over a period of time, Group Life cover has become an indispensable part of the benefits package for employees. It provides peace of mind to employees as an estate is created for their loved ones even after his/her life and this enables them to generate loyalty towards employers. We offer all kinds of Group Life solutions from Corporate Group Life to Voluntary Group Life.
We offer valuable Life Insurance protection at affordable rates.
Group Life Solutions:
Group Life covers:
Credit Life insurance is a holistic solution that covers the borrower’s liability, in the event of death due to both accidental and non-accidental or natural causes. Credit life insurance is sold on a group or individual basis and, usually is purchased to cover loans of short and/or long duration. The face value of a credit life insurance policy decreases in proportion to the reduction in the loan amount until both equal zero.
Any amount in excess of the outstanding loan balance is paid out to his or her designated beneficiary.
Group Credit Life Solutions:
Group Credit Life cover
In-Patient & Day-Care benefits Hospital Accommodation, Accidents and Emergencies, Intensive Care & Operation Theatre Costs, Surgical Operations & procedures, Surgeons, Anaesthetists & Physicians fees, Prescribed Medicine & drugs, Prostheses and Surgical Appliances, (Artificial body parts surgically implanted to form parts of an insured’s body), Diagnostic tests, Oncology Treatment, Radiotherapy & Chemotherapy, Ophthalmology, Acute (reversible) kidney failure, Physiotherapy.
Out-Patient Benefits Diagnostic tests, Specialists, Consultants, General Medical Practitioner and Family Physician fees, Out-Patient home visits for emergency conditions, Oncology, Prescribed Medicines & Dressings, Emergency Ambulance (to and/or from point of treatment), Outpatient Surgical Procedures, Physiotherapy
Other benefits: Chronic & Pre-existing conditions, Emergency local ambulance, Organ transplant, Nursing at home, Compassionate emergency home visit, Hospital cash benefits, Repatriation, burial or cremation of mortal remains, Emergency medical evacuation.
Prior approval may be necessary for certain services/treatments for which your Provider shall contact OQIC either in writing or over the phone.
With this, your Provider as well you may be assured of:
Services/treatments rendered by the Medical Practitioner in the Out-Patient clinic or that which do not require a stay in the hospital is termed as Out-Patient Service.
You should note that some non–urgent services require pre-authorization, here are a few examples:
In-Patient /Daycare Services
The following Elective / Planned services such as but not limited to require pre-authorization:
In the event of Emergency treatment pre-approval is not required but it is the liability of the Network Provider to inform OQIC of the case within 24 hours of admission to the hospital.