NEW MEDICAL BENEFITS SCHEME FOR SERVING EMPLOYEES

NMBS – SE

W.E.F. 1st April,2012.

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1 Eligibility & Coverage :

Benefits under this scheme are admissible to all full time Air India employees employed and posted in India & India based officers posted abroad except:-

(i) The employees covered under Employees State Insurance Scheme (ESIS).

(ii) During emergencies/accidents on duty various categories of apprentices/employees on temporary /casual/part-time basis and contract worker and employees of subsidiary companies of Air India not covered for the treatment under the scheme will be given first aid and immediate medical treatment available in company’s medical clinic. If the temporary/casual/part-time employees are not covered under the ESIS at the time of accident on duty, reasonable medical expenditure relating to injury due such an accident will be reimbursed by the Company by following approved administrative procedures as per Company policy. Such expenditure incurred to be debited to the subsidiary company of Air India. If the employee is covered under ESIS at the time of accident on duty, the Company’s liability will be limited to providing first aid and immediate medical treatment wherever possible.

(iii) Crew who are presently on annuity will be eligible for :i) a contribution towards NMBS to be deducted from the crew for

coverage of beneficiaries i.e. family.ii) on attaining superannuation, the crew will be eligible for NMBS (RE)

for coverage of spouse on payment of lump sum contribution.

(iv) Medical facilities to spouse of deceased serving employee :

The spouse of the deceased employee shall be extended medical facilities subject to the following conditions :

- If an employee dies in service after completion of 20 years or more service his/her spouse may be provided medical facilities under NMBS (F). This facility should be discontinued if the spouse remarries or is getting medical facilities from any other source.

- The spouse will have to pay full contribution as laid down under the New Medical Benefit Scheme for retired employees based on the deceased employee’s last grade.

2 Definitions:

1. Medical Officer means Dy. Manager / Manager / Sr. Manager /Asst. General Manager / Sr. Asst. General Manager / Dy. General Manager / General Manager-

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Medical /Executive Director – Medical Services who are appointed by Air India Ltd. as whole-time employees.

2. Employee means a person in the whole-time services of Air India Ltd.3. Permanent employee means an employee, who has completed a prescribed

probationary period and who has been confirmed thereafter as a regular member of the staff against the ‘permanent’ sanctioned establishment.

3 Medical Facilities

At Air India clinic / dispensaries:

Employees are entitled to free medical consultation at the Air India dispensaries during such consultation hours as may be notified from time to time.

i) Specialist consultation / Pathological / Radiological Examination :The laboratory/Pathology test, Audiometry, X-ray/ECGs and all such other investigations, when advised by the Company’s medical officers, are normally to be done in-house where the clinic has facilities to do so. A Medical Officer may, when he/she considers it necessary, refer an employee to a local panel hospital / recognized institution / panel specialist for advice/treatment or radiological / pathological tests. Charges for such consultation / examination will be borne by Air India.

4. Domiciliary Treatment :

Normally an employee when unwell is expected to attend the medical clinic he/she is registered with for the necessary medical assistance. However if an employee is not fit enough to attend and avail of the Company’s medical facilities, he/she can take the treatment for a limited period of not more than seven days from any qualified general practitioner of his/her choice and claim the expenses on such treatment subsequently. The reimbursement will be effected as per Air India’s Schedule of Charges.The cost of medicines will be reimbursed only against the prescriptions and cash memos/receipts.The cost of ‘basic investigations’ as may be required by the treating G.P. will be reimbursed against the reference note/s, copy/copies of the investigation report/reports and cash memos/receipts as per AI schedule of charges.Cost of ‘non-reimbursable’ investigations/items/treatment shall not be reimbursed.The rules for such reimbursement are strictly adhered to which are identified and notified from time to time by the Administrative Section of Medical Services Department. To be eligible for such reimbursement:

a) The information regarding such sickness and treatment must reach the clinic having the case card of the employee stating that he/she is taking treatment from the private doctor, within 72 hours.

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b) The ailing staff must not be attending office duties during the period of treatment due to sickness or being on leave/off of any other type.

c) Consulting fees/charges and/or visit charges to GP/any Consultant are not reimbursable under the provisions of this scheme.

5. Hospitalization / Indoor Treatment :

a) Hospitalization in panel institutions :

When necessary, the treating Medical Officer of the Company may refer an employee for admission to a local institution like nursing home or hospital on the Company’s panel depending on the nature of ailment. Such referrals will again be on the basis of a note clearly stating the employee’s class of entitlement. The cost of hospitalization approved by the Company will be directly settled on receipt of bills from the institution.

We advise staff to invariably carry with them their Air India identity card while availing of the services from the Air India panel of specialists/institutions and ensure that the reference letter is signed by them.

b) Hospitalization in Non Panel Institutions :

While we advise all Air India employees to normally go through their respective medical clinics before getting admitted for the treatment of sickness requiring medical/surgical intervention, there are occasions when the staff may have to get admitted in a non panel institution in an emergency or rarely due to non-availability of beds in the panel institution.

The admitted staff on such occasions must inform the concerned medical clinic either in writing or by telephone and ensure that the notation to this effect is made on his/her case card within 72 hours of getting admitted.

The Company may shift the patient to the panel institution for better care or if so desired by the admitted staff, provided the employee is medically fit to be shifted as certified by the treating doctor.

The staff will have to settle the bill towards such hospitalization directly with the hospital/nursing home and subsequently claim the same with supporting documents including admission/discharge card in the format within 90 days from the date of discharge.

It is important again to note that the expenses incurred on such indoor treatment in non-panel institutions are limited to seven days only and the claims processed as per the laid down schedule of charges. In exceptional circumstances, if the staff is admitted in a non panel institution and cannot be shifted due to critical nature of

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the medical condition, the Executive Director-Medical Services on the recommendation of the Company’s Medical Officer who has ascertained the gravity of such condition, may approve further stay exceeding 7 days for the purpose of reimbursement, if requested by the staff or by relatives on his/her behalf.

Executive Director-Medical Services, even without such request from staff/relative may also approve of the continuation/completion of treatment in non panel institution at her discretion especially if she is satisfied with the ongoing treatment and if shifting to panel institution is not going to be advantageous to the staff or Company.

6. Surgeon of patient’s choice in Non-panel Tier I/ Tier II Institution.:

In case an employee, who is advised by the Medical Officer of Air India to undergo surgical operation, desires to be operated by a surgeon of his choice, he/she will be at liberty to do so. The employee shall obtain prior approval of the Departmental Head at Headquarters and Regional Medical Head in the Regions. The Air India’s liability, however, towards the expenses incurred shall not exceed the amount as laid down in the scheduled Air India list of charges.

Similarly, if an employee is availing services of a non-panel surgeon in a tier I hospital, he/she will be reimbursed an amount equivalent to the negotiated charges in a panel hospital in the vicinity.

7. Medicines /Drugs / Injections :

Most of the Company’s medical clinics are equipped with a full fledged medical store and pharmacy to dispense medicines as may be prescribed by the Company’s officers. It is necessary in this context to also know that it is logically impossible to stock each and every brand of medicine available in the market as every medicine is generally marketed by several companies with their distinct brand names. An employee, will therefore, have to accept the available medicine in-house which may have a different brand name than the one prescribed by the medical officer. It will however, be the responsibility of the Pharmacy to ensure that the substitute brand is the exact ‘alternate’ containing the same medicine and that too, in the same quantity as prescribed. In other words, an employee shall not insist on the prescribing doctor’s or his/her choice/brand of medicine to be dispensed.

The prescribed medicine or its exact alternate when not readily available in-house will have to be procured by the employee through one of the panel chemists approved by the Company. The employee in such instances will be given a prescription duly signed by the Company’s medical officer and the same can be deposited by the employee with the panel chemist as mentioned above after signing the prescription for having received the medicines.

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NON-REIMBURSABLE TREATMENT/Medicines/Tests:

There are certain investigations/treatment/tests in vogue but which are not considered absolutely essential’ for employees’ health care. The Company as a matter of policy has decided not to reimburse cost of such products which are identified from time to time. As of now the following medicines/treatment/tests are considered as ‘non-reimbursable’.

1. Liquid tonics and vitalizers in any form.2. Food preparations in any form like various protein preparations (except when

administered through a gastric tube of IV route) or when permitted specifically as part of the management of malignancies.

3. Medicine containing Glucosamine, Sildenafil and GLA are also not reimbursed.4. Preparations used for cosmetic purposes like Minoxidil or K-5 Tincture etc.5. All types of dental pastes and creams, sun screen lotion, mouthwash.6. Dental treatment comprising of crown, bridges, Capps, polishing, dentures not

reimbursable.

7. All anti-septic lotions/creams except when prescribed by the Medical Officer for a specific purpose.

8. All Herbal/Ayurvedic drugs including drugs used as tonics such as Ginseng-containing preparations, Chinese herbal medicines like Bilovas.

9. Powders like Diataid, Carobotared Nosulin etc.10. Salt substitutes like Losalt etc. Sugar substitutes like Sweetex, Equal etc.11. Diagnostic Aids like Diastix, Benedict Solution etc.12. Homeopathy/ Ayurvedic drugs like Cinnereria Martima and Itone Eye Drops etc.13. Hormonal preparations like Follicular Stimulating Hormones (FSH) Gonadotrophine,

Chomiphene Citrate etc. when used in the treatment of infertility and/or induction of ovulation, Anamoly Scan etc.

14. Any other product available ‘over counter’ i.e. requiring no prescription from doctor e.g. Iodex, Aspro, Anacin, Action 500, Crocin etc.

15. Chelation therapy/Plethysmography/Cartography for treatment of IHD/Coronary artery disease.

16. Liposuction/Gastric bypass/Gastric banding for treatment of obesity.17. RFQMR (Radio Frequency Quantum Magnetic Resonance) for treatment of

osteoarthritis.18. Laser therapy for treatment of osteoarthritis.19. Quantum Magnetic Resonance, Lasik/Radial Keratotomy for correction of refraction

error in eyes (already in practice since last few years)20. Special massage therapy for treatment of AMD – age related macular degeneration of

eyes.21. Any cosmetic/under trial procedure.22. Cost of imported medicines, the alternate of which is available in India will be

prescribed/reimbursed to the employee.23. Use of implant (breast etc) is also non-reimbursable.24. Diapers, masks, thermometer, elastic bands.25. Drugs for Erectile Dysfunction.26. Dietary supplements for e.g. Apalazar, Ketosteril etc.

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27. Vaccination for meningitis / influenza / polio / yellow fever/chickenpox/typhoid except given to flying crew on duty.

28. Triple Marker Test for Down’s syndrome.29. Karyotype study during pregnancy.30. Botox treatment for cosmetic reason.31. Treatment for Acne.32. Hydrogen therapy for Spine.33. Pain killer spray e.g. Relispray.34. IVF treatment.

(a) Various operations to re-open blocked/cut/tied fallopian tubes.(b) Hormonal/Ultrasound monitoring of ovulation.(c) ‘XY’ sex chromozone separation for sex pre-selection or sperm concentration (Sperm

wash).(d) Chorionic Villius biopsy/Amniocentesis for sex determination of foetus or ultra

sound examination for the same purpose.(e) Removing part of outer layer (zone pellucida) of unfertilized egg before mixing with

sperm (zona) drilling.(f) Inserting sperm through egg’s outer membrane (micro injection).(g) Microsurgical Epidedymal Sperm Aspiration (MESA)(h) In Vitro Fertilization (IVF) and Embryo Transfer (ET)(i) Vaginal Intra Tubal Insemination (VITI)(j) Transcervical Oocyte And Sperm Transfer (TOAST)(k) Trans Vaginal Embryo Stage Transfer (TV-TEST)(l) Ovum Picked and Transferred (TEST)(m) Tubal Embryo Stage Transfer (TEST)(n) Zygote Intra Fallopian Transfer (ZIFT)(o) Ultra Sound guided Gamete Intra Fallopian Transfer (US-GIFT)(p) Gamete Intra Fallopian Transfer (GIFT)(q) Electrically Assisted Recovery of Sperms (EARS)(r) Artificial/Assisted insemination of husband’s semen (AIH)(s) Artificial/Assisted Insemination of Donor semen (AID)(t) Micro-Insemination Micro Injection into Cytoplasm(MIMIC)

The above list is updated periodically.

8. Medical facilities at Non Metro Stations/Cities :

Stations where medical arrangements are made with local practitioners, employees posted at such stations must invariably seek the medical assistance from the Retainer Doctor/Contract Doctor generally working on part-time basis and who has been normally briefed about the coverage for the medical treatment. He will also organize referrals when necessary to other specialists and even admit cases requiring hospitalization in a reputable nursing home/hospital depending on the necessity, as per the entitled class. All medical bills/claims irrespective of the amount will be sent to the office of the Regional Medical Head for scrutiny /post facto sanction.

9. Dental Treatment :

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The Company, as a matter of policy has decided to extend the basic dental treatment to all eligible employees. The Company has appointed a panel of dentists wherever we have a full fledged medical set up. Employees requiring dental treatment will be referred by the Company Medical Officer to the panel dentist who will in turn extend the dental treatment to the extent stipulated by the Medical Services Department.

Dental treatment includes fillings, extraction of teeth, gum treatment, root canal treatment apicectomy, gingivectomy etc. Expenditure incurred on orthodontics, bracing, capping, artificial dentures will not be reimbursed.

The station where the Company has appointed dentists, the dental treatment as provided under the scheme must be taken from the panel dentist only. In an emergency one extraction will be reimbursed as per Company’s schedule of charges from non-panel dentist.

In certain exceptional cases the Medical Officer may permit an employee to avail dental treatment from non-panel dentist and submit bills/receipts along with the treatment details. The reimbursement on the lines mentioned in the schedule of charges will then be applicable. The above is also applicable in the stations where the Company has not appointed any dentist on panel.

10. Medical Facilities for Casual and Daily Rated Employees :

Service Rules do not apply to casual and daily rated employees. Hence the medical facilities as provided in the Service Rules cannot be availed of by the casual and daily rated staff. However, they may be given, when necessary, emergency first aid treatment.

11. Treatment during Extraordinary Leave :

An employee on extraordinary leave will continue to be eligible for the medical facilities under Rules.

12. Treatment to employees under Suspension :

An employee under suspension is entitled to medical facilities admissible under the Service Rules. For purposes of entitlement of medical facilities, the actual pay drawn by the employee before the date of suspension will be taken into account and not the subsistence allowance.

13. Medical Benefits for Employees on Deputation from the Government :

Air India will extend medical facilities to those on deputation from the Government, privilege not inferior to that which they would have enjoyed under the service conditions applicable to them in their parent department.

14. Maternity Benefits and other benefits including sterilization :

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i. The female employees will be entitled to the same class of accommodation for purpose of confinement as for hospitalization for other illnesses. Reimbursement of expenditure in connection with confinement is permissible up to a total of three living children only, including the number of children the employee has at the time of joining the Company’s service.In addition, employees undergoing permanent sterilization by tubal ligation / tubectomy etc. will be recommended special leave in addition to monetary incentive, as decided by the Company, on production of medical certificate to this effect.

ii. Ante-natal check up and investigations during the ante-natal period will be permitted if recommended by the Medical Officer of Air India.

iii. Expenses in connection with hospitalization for child-birth will be paid directly by the company if conducted by the Specialists on the panel. Any expenses in excess of the entitlement of the employee will be recovered from her salary. In all other cases the employee will submit bills for reimbursement.

iv. Pelvic Sonography in normal pregnancy without any complication is limited to two in number per pregnancy.

v. Expenditure on hospitalization due to complication arising during pregnancy in the second and third trimester will be considered in cases where there is risk to the mother e.g. Placenta Praevia, severe toxemia of pregnancy etc.

15. Male Sterilization :As part of the Company’s endeavor for the national cause, any male employee undergoing vasectomy operation is granted special leave, in addition to cash incentive to this effect, as applicable.

16. Cost of hearing aid will be reimbursed once every 5 years. Hearing Aid should be on the recommendation of the ENT Specialist / Audiologist and approved by our Medical Officer as per ceiling specified in Annexure I.

17. The cost of spectacles/ contact lenses will be reimbursed subject to maximum of Rs. 1000/- once in two years. There is no need to consult an Ophthalmologist for refraction error. The prescription from an Optometrist would suffice for reimbursement.

18. Cost of acupuncture treatment will be reimbursed only for treatment of pains of nervous origins (neuralgias) and arthritis provided it is obtained from a duly qualified and trained doctor possessing a minimum qualification of MBBS. The cost of treatment will be as specified in Annexure I of Schedule of charges.

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19. Stents: For the serving/ retired employees undergoing Coronary angioplasty procedure requiring multiple stents; it was decided that up to 3 stents will be permissible. Cost of each stent to be sanctioned as per company policy.

If more than three stents are required, the Regional Medical Officer must discuss the case with the treating Cardiologist; also obtain second opinion from other Cardiologist prior to the procedure, keep the ED-MS informed of same.

20. Prosthesis: Serving employees undergoing TKR- the cost of prosthesis absorbed / reimbursed by AI would be as per Company policy. With regard to Hip replacement, the age of the patient, indication for replacement, associated diseases etc should be considered. Metal on plastic prosthesis is permissible. If ceramic on ceramic is advised, justification for the same must be sent to ED-MS for approval.

21. Pace Maker/ICD/Combo device : Cost of such devices will be absorbed up to Rs. 3 lakhs by the Company. If high end device costing more than 3 lakhs is used, 25% of the amount exceeding Rs. 3 lakhs will have to be borne by the patient.

22. Any new therapy available in the medical field (stem cell therapy, robotic surgery, stapler surgery, artificial valve etc.) must be discussed with our Medical Officer and only when approved will be applicable to our employees.

23. Cataract surgery will be as per the package rates mentioned in Annexure II of Schedule of charges.

24. Employee patient in vegetative state / comatose Such patients will be reimbursed Rs. 750/- per day towards domiciliary management. If the patient cannot be managed at home; he/she can be admitted in selected panel Tier II hospitals, where we have arrangement. The reimbursement will be Rs. 750/- per day. The case must be forwarded with full justification to the ED-MS for approval.

25. Aids & Appliances :

The term encompasses orthopedic calipers, cervical collars, lumbar belts, hearing aids, orthopedic shoes, crutches, varicose vein stockings, knee caps, anklets, wrist bands, walking sticks, expirometer (generally prescribed after cardiothoracic surgery for chest physiotherapy). Reimbursement of the cost of these items will be made to the employees when recommended by the Company’s Medical Officer as per Annexure I.

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26. Conveyance Expenses :

If it is certified by the Company’s Medical Officer or by a competent Medical Attendant attached to the hospital to which the patient has been admitted by the Company’s Medical Officer that transportation of the patient by any conveyance other than ambulance would endanger the life of the patient or grossly aggravate the condition of the patient’s health, Company’s ambulance will be provided to such patient free of charge. When Company’s ambulance is not available/ cannot be provided, the patient may make arrangements for hiring ambulance from another source for journey between residence/hospital and the charges thereof will be reimbursed by the Company as per company policy provided prior permission was obtained from the Company’s Medical Officer.

27. Transport charges incurred by flying crew falling ill at outstation on flight duty.

When a member of Flying Crew detailed on flight duty falls ill during the period of his stay at the outstation and Operations Manager /Chief Pilot or in their absence, the Station Head considers it necessary to ask the Medical Officer of Air India to visit the patient at his (patient’s) residence, the transport charges of the Medical Officer shall be borne by the Company. If the Medical Officer uses the Air India transport no adjustment on account of such visits will be necessary.

28. Conveyance of Employee falling sick at Work:

When an employee falls sick at work, he shall be provided free of charge the necessary conveyance to hospital. When the attending Medical Officer considers it necessary, he may be transported to his residence also. If such an employee cannot be carried in the Air India transport, the cost of transporting the employee in an ambulance or a hired conveyance shall be borne by Air India.

29. Medical aid to employees for injuries while at work :

An employee injured in and during the course of his/her duties and not arising out of his/her negligence or fault, shall be provided all reasonable medical aid or expenses as certified by the Executive Director-Medical Services, for the treatment of his/her injury. This will include transportation charges to the hospital or residence from his/her place of work. The emergency medical facilities are also extended to employees of all its subsidiaries like Air India Charter Ltd., Air India Air Transport Services Ltd., Airline Allied Services Ltd.etc.

30. Alternate Systems of Medicine :

A. OPD Treatment :

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The Company permits treatment in respect of Homeopathy/Ayurveda, Siddha, Unani Tib etc. to a limited extent. Such treatment is strictly regulated in accordance with the procedure laid down as below :

i) Prior permission for such treatment must be obtained from the Company’s Medical Officer and request for the permission for the treatment of sickness for which he/she would like to try the alternate system. The Company’s Medical Officer, at his discretion may permit the staff to do so and make the necessary notation to this effect on the case card of the employee which will enable him/her to claim for such treatment. The point to be noted here is that the staff must not avail of treatment under allopathic system of medicine from the Company’s Medical Clinic for the same illness simultaneously as this will tantamount to duplication of treatment and benefits. The claim for such expenses may be rejected by the Medical Benefits Cell.

ii) The facilities in respect of homeopathic, ayurvedic, siddha and unani tib treatment will be admissible only to the regular employees based in India.

iii) The treatment in these systems may be obtained from any practitioner of the homeopathic, ayurvedic, siddha, unani tib systems of medicine who is recognized for this purpose by the appropriate State/Central Government authority.

iv) Reimbursement of expenditure incurred by an employee on homeopathic, ayurvedic/siddha and unani tib systems of treatment including investigations is admissible as shown in Annexure I. For purposes of such reimbursement, the expenditure incurred by an employee on these three systems is added together and the total reimbursement is restricted to within the ceiling.

v) The claims for reimbursement of expenditure for such treatment will be processed by the concerned cell under the Executive Director-Medical Services/Medical Officer In-charge of the clinic/Station/Zone. The procedure as currently applicable to the allopathic (modern) system of medicine, will also apply while scrutinizing claims pertaining to homeopathic, ayurvedic, siddha and unani tib systems of medicine.

B. Indoor Treatment :Hospitalization under Ayurvedic System :The Company will allow hospitalization under ayurvedic system of medicine provided:

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i) Staff /retired employee seeking such treatment obtains the prior permission in writing from the Medical Officer In-charge of the Clinic where he/she is registered for treatment.

ii) Such treatment will only be permitted by the treating Medical Officer of the Company in consultation with the Medical Officer In-charge of the clinic/Station, with information to the concerned departmental committee handling the Medical benefits Schemes. The Medical Officer is expected to recommend the case in the light of established scientific facts and after being satisfied that such treatment may be beneficial to the staff/retired employee.

iii) After approval in writing, the staff must take such treatment in Government/trust/public research bodies hospital or any such organization meant not to make profit. It is also the responsibility of the staff/retired employee to produce documentary evidence of the category to which the hospital belongs while seeking permission for such in-door treatment.

iv) There is an upper ceiling of Rs. 12,000/- and this is permissible only once in the lifetime of an employee.

31. Renal Transplant :Air India will cover the cost towards the renal transplant of the employee provided he/she is admitted in his/her bed entitlement. In respect of donor, expenditure towards hospitalization (as per bed entitlement of the employee) for the finally matched donor will be borne by Air India up to a maximum of eight days only. Any expenses beyond eight days in respect of donor must be borne by the employee.

Pre operative investigations of the finally matched donor will be reimbursed to the employee only after the surgery.

For renal angiogram of the matched donor the Company will reimburse the appropriate hospitalization expenses for a limited stay of 1 or 2 days.

The staff will be responsible to search for a suitable kidney donor from amongst his/her blood relations.

The Company will not bear the cost of screening, investigations etc. to find out a suitable donor.

The Company will ask for a copy of legal document signed by the donor with the hospital as is invariably practiced, for our record. If not, the Company will insist for such an undertaking on a proper stamped paper clearly mentioning that the donor is voluntarily willing to donate his/her kidney to our staff and the donor will indemnify

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the medical officer of the Company and the Company bearing the cost of his/her treatment against any long term post operative/post donation eventuality.

32. Extra Corporal Shock Wave Lithotripsy (ESWL) for Kidney Stones :

An employee suffering with kidney stones and advised extra corporal shock wave lithotripsy (ESWL) by the Urologist on our panel will be extended this facility in any of the panel institutions. An employee will also be accorded permission to get the treatment done in a non panel institution if so desired by the staff for his/her personal reasons, provided the expenses are directly settled by the employee. The reimbursement for this treatment will be as per AI schedule of charges.

33. Expenditure on Treatment of an employee while on Leave :

When an employee during leave, at a place where Air India medical facilities do not exist, is treated in an OPD/admitted in a hospital run by public body, the expenditure on medical treatment duly certified by the Competent Authority in the hospital may be reimbursed after its scrutiny and clearance by the Medical Officer in consultation with the departmental committee for this purpose. The decision of the departmental committee shall be final in all such cases.

34. Medical Expenses of Cockpit Crew incurred in connection with the Renewal of their Licenses :

Pilots appearing for renewal of license, when directed by the Air Force Medical board to obtain laboratory and radiological investigation reports, may be reimbursed the cost of such investigations. However, these tests should be done by the respective specialists borne on our panel through authorization slips issued by Air India Medical Officers. If the investigations are done with a non-panel doctor/institution with the concurrence of our Medical Officer then reimbursement would be given as per AI schedule of charges.

35. Medical facilities for Inflight and Operating crew while on duty abroad :

The Company has appointed doctors to look after the health of lay-over crew while at the stations abroad. Stations where the retainer doctor’s services are not made available, the hotels where the crew live in are generally requested by the Station Head to arrange for the medical treatment of the ailing crew. Most hotels wherein our crew are accommodated during their lay over also have in-house hotel doctor. The crew are normally briefed by their respective departments about the medical arrangements at a layover station. They must necessarily seek medical advice from these approved doctors only. The bill towards such treatment is directly absorbed by the Company. However, it is emphasized that the crew must not seek medical

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treatment abroad for common ailments not requiring immediate medical treatment like dental, skin etc., except during an emergency.

36. Medical facilities for India Based Officers (IBOS) Abroad :

All the foreign stations where Air India officers are posted can be roughly divided into two broad categories:

i. Countries having some statutory health scheme or social security scheme as required by the law of land e.g. USA, UK, Italy, Canada, France.

ii. Countries without any health schemes e.g. all other countries.

In countries having statutory scheme, the Company will contribute towards statutory or social security scheme to cover our employees. Thus in countries like Italy and France, the Company contributes to the social security scheme under which medical benefits are also extended. However, if the actual benefits are less than envisaged or are not adequate, the Company will also cover all India based officers under private insurance plus on an individual basis based on the merits of the case or under group insurance. An officer on being posted abroad is generally briefed by the concerned department.

In countries without any statutory health insurance scheme or any social welfare scheme, the Company has laid down monetary ceilings up to which the medical expenditure incurred will be reimbursed to the IBO. Normally 100% of the expenditure incurred by the staff (90% incurred on families) is reimbursed subject to the laid down ceiling. Alternatively, the India based officer can also opt for any private medical insurance coverage for himself/herself (as well as his/her family) and the premium towards it will be reimbursed subject to the laid down ceiling for the station/country.

Note :

I. The India based officers on being posted abroad are thoroughly briefed about the insurance schemes and other relevant details like premium, benefits etc. at the place of his/her posting as the premium and the benefits vary not only from country to country but also within the same country from one insurance company to another. When in doubt, the IBO being posted abroad may also get in touch with the Medical Services Department or better still, have a first hand information from the IBOs being re-posted back to India/replaced by him/her.

II. The cost of treatment /medicine received by the IBO through the Air India Medical Clinics during his/her visit to India, will be debited to their entitlement at the station of his/her posting.

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37. Disposal of Self Claims

Employees claiming domiciliary treatment expenses after fulfilling the necessary requirements as mentioned above (No. 4 domiciliary treatment) as also the other expenses as permitted under the scheme at the recommendation of the Company’s medical officer will be submitted by the staff to the concerned Medical Benefits Cell along with the necessary documents like original cash memos/receipts, copies of investigation reports and prescriptions etc. on a specially designed form for this purpose.All such claims will be processed by the Cell as per the decided schedule of charges and passed for necessary payment. Note: Duplicate bills/receipts, photocopy of bills, partly paid bills by insurance company, bills certified by insurance company will not be entertained by us.

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Sub: POLICY ON BED ENTITLEMENTS: After 1st April, 2012.

A. Serving Employees B. Serving Commanders.

Please note the new bed entitlement for all the Serving Employees including Commanders after 01.04.2012 for indoor hospitalization treatment and reimbursement under the New Medical Benefit Scheme (NMBS) including the beneficiaries in Tier I and Tier II hospitals.

A. Serving Employees : Effective 01.04.2012

TIER I Hospitals

Gradese/w Indian

Gradese/w Air India

Category Designation Entitlement

1-2 1-3 IV * Peon/Helper/Assistant III etc.

Multi Sharing or General Ward up to Rs.1,500/- whichever is lower.

3-9 4-18 III * Sr. Asst./ Sr. Customer Supervisor/ Jr. Operator/Lead Assistant etc.,

Multi Sharing A/C / Twin Sharing Non A/C up to Rs. 2,200/- whichever is lower.

9A -17 25-38 II* Asst. Manager to DGM Twin sharing A/C / Single Room Non A/C up to Rs. 3,000/- whichever is lower.

18 & Above

39-48 I* GM and above Single Room A/C - up to Rs. 3,500/-

Note : Room Charges are inclusive of diet. B : Serving Commanders are entitled to Single Room up to Rs. 3500/- .

TIER II Hospitals (Nursing Homes)

Category Room entitlement IV ** Rs. 700/-III ** Rs. 1,000/-II ** Rs. 1,500/-I ** Rs. 1,500/-

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* ICU/ICCU charges in Tier I Hospitals be regulated as per MOU with respective hospital.

** ICU/ICCU charges in Tier II Hospitals is Rs. 750/-per day in addition to entitled room entitlement.

Note: i) The above entitlements must be strictly adhered to. Under no circumstances employee be admitted to a higher class of accommodation. If in any instance, the class of accommodation is not available, the employee patient be admitted in a class lower than his entitlement and then may be shifted back to his entitled class, when available.

ii) In non-metros the premium rooms in hospital may be available for the rates laid down against different categories. However, under no circumstance the premium rooms like Deluxe/ Super Deluxe/ Suites/ be authorized as charges for other hospital services are exorbitant in these classes.

iii) When lowest available Single A/c room in panel hospital is more than Rs. 3500/- the officer in category I will bear the difference in room charges. The other related charges will be absorbed by the company.

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