What is GMC and GPA ?

GMC (Group Medical Insurance) is a health insurance policy provided by the company that covers employees (and eligible dependents) for hospitalization and medical expenses.

GPA (Group Personal Accident Insurance) is an insurance policy that provides financial compensation in case of accidental injury, disability, or death.

Who is eligible for GMC?

Employees with a gross salary above ₹21,000 are eligible for GMC coverage.

What is the current insurance provider?

The insurance provider is Manipal Cigna.

Who is the broker and TPA?

Broker: Futurisk

TPA: Vidal Health

What is the policy period?

The current policy is valid from 10^th December 2025 to 9th December 2026.

Who can be added as dependents?

Employees can include Spouse, Children, and Parents as dependents.

Can I add dependents at any time?

No, dependents can only be added during the renewal time and not allowed in mid-term

Can I remove dependents during the policy period?

No, removal of dependents is not allowed mid-term.

Can I change dependents during the year?

No, changes to dependents can only be made during renewal.

What happens if the premium exceeds my allocated amount?

The excess premium amount will be deducted from salary starting from the Date of Joining (DOJ).

What happens if the premium is lower than the allocated amount?

The remaining balance will be refunded to the employee.

When does the premium deduction start?

Premium deduction starts from the Date of Joining (DOJ).

How can I access my insurance details?

Insurance details can be accessed through the Zoho portal using your Health ID.

How do I raise a claim?

Claims can be processed either cashless or reimbursement with the support of  Futurisk and Vidal Health (TPA).

What if I visit a non-network hospital?

You can opt for reimbursement by submitting the required documents.

Who is the SPOC for GMC-related queries?

Kanimozhi – +91 98403 67266.

Can I access my insurance card online?

Yes, the insurance card can be accessed via the Zoho portal.

Is GMC coverage active from the Date of Joining?

Yes, coverage is active from DOJ, subject to eligibility.

Will policy renewal details be communicated?

Yes, renewal details will be shared by the HR team.

What if I miss adding dependents during renewal?

You will have to wait until the next renewal cycle to add dependents.

What are the premium coverage options available for employees?

Employees can choose from the following sum insured options: ₹2 Lakhs, ₹4 Lakhs, ₹6 Lakhs, and ₹8 Lakhs.

Can I cover my siblings or in-laws under GMC?

No, coverage for siblings and in-laws is not allowed under the GMC policy.

Is cashless hospitalization available?

Yes, cashless hospitalization is available at network hospitals.

Where can I check the list of network hospitals under Manipal Cigna

What is the maternity benefit under GMC?

The maternity benefit under GMC is covered up to ₹50,000, as per policy terms and conditions.