Professional Documents
Culture Documents
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What you have to do: in order to join Fill up a proposal form* and hand it over to the IESL finance dept. together with the applicable annual premium as per schedule 2 given in this flyer at least one week before the commencement date. Keep a copy of the document
in case of hospitalization
Just produce the plastic card issued to the insured by the NITF to the hospital reception. Also inform the NITF through the contact no 0718693449 - Mr. Nishantha or 0114873900 upto 5 - NITF general line
at the time of discharge Before two hours of the discharge of the patient, inform the NITF through the contact no as above. (the hospital will do the same and then the NITF undertake to settle your bill subject to the limits as given in schedule 1) If you have exceeded your limits you have to pay only the balance before you discharge when you want to make a claim* Fill up a claim form and deliver/ hand it over to the NITF together with the documents requested within 90 days of the event occurrence. Keep a copy of it
*Proposal forms / claim forms could be obtainable from - Downloadable form www.nitf.lk or from www.iesl.lk - NITF head office / Hambanthota branch / Anuradapura branch - IESL head office or Provincial Center offices *A claim form need to be submitted in case of Cataract Operations, Purchase of Spectacles, Personal Accidents, Deaths and the Hospitalization in a Government Hospital or in a Government Ayurvedic Hospital. Should you require further information please contact: IESL: 2698426, 2685490 Ext 218, 219,220 - Finance Division NITF: 0718693449, 4873900, 4873901 Nishantha Denagama - Manager
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BENEFITS - Schedule 1
SURGICAL AND HOSPITAL EXPENSES for a Family Unit
Option I Rs. 1,500 maximum per day Option II Rs. 3,000 maximum per day Option III Rs. 4,500 maximum per day Option IV Rs. 6,000 maximum per day Option V Rs. 7,500 maximum per day Option VI Rs. 10,000 maximum per day
In a Private Hospital
Hospital Charges : which includes Medical and operational expenses for special treatment and Expenses for nursing provide on the recommendation of consulting specialist, Expenses for operating theater and surgeon and anesthetic fee Consulting and specialist fee obtained on the recommendation of a recognized physician or a physician registered under section 41 of the Medical Services Ordinance while receiving indoor treatments in a Hospital or Nursing home. Medical treatment received from the following Private Aurveda hospitals is also covered under this scheme. 1. Siddhalepa Hospital - Mt. Lavinia 2. Wickramaarachchi Hospital Yakkala
150,000
300,000
450,000
600,000
750,000
1,000,000
GOVERNMENT HOSPITAL and GOVERNMENT AYURVEDA HOSPITAL ALLOWANCE Allowance for hospitalization in a Government hospital or in a Government Ayurveda hospital (Maximum 10 days per event)
150,000
300,000
450,000
600,000
750,000
1,000,000
100,000
250,000
375,000
500,000
625,000
850,000
40,000 In a Private Hospital - Normal 20,000 In a Government Hospital Cesarean or Normal 2,500 25,000
EYE OPERATIONS Cataract (In a Government or in a Private hospital the cost of the lens will be reimbursed if the prescription & the receipt is submitted.) SPECTACLES (only for the member and payable once in three years) CRITICAL ILLNESS COVER
5,000
5,000
5,000
5,000
5,000
5,000
500,000
500,000
500,000
500,000
500,000
500,000
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(Only for the Member and the spouse - List of illnesses covered is given in the Schedule 5 ) NATURAL AND ACCIDENTEL DEATH (Only for the Member) Accidental Death 150,000 Normal Death 15,000 PERSONAL ACCIDENT (Only for the Member) - Permanent Total Disablement 150,000 - Permanent Partial Disablement 75,000 - Temporary Total Disablement (Maximum 52 weeks) 4,500 2,250 9,000 4,500 13,500 6,750 18,000 9,000 22,500 11,250 30,000 15,000 150,000 225,000 300,000 375,000 500,000 300,000 450,000 600,000 750,000 1,000,000 30,000 45,000 60,000 75,000 100,000 300,000 450,000 600,000 750,000 1,000,000
PREMIUM - Schedule 2
Premium (Annual All Inclusive Premium)
Principal Member Age Between 18 - 65 15,000 Principal Member Age Between 66 - 70 16,875 Principal Member Age Between 71 - 75 18,750 Principal Member Age Between 76 - 80 20,625 Principal Member Age Between 81 - 85 30,937 61,875 92,812 123,750 154,687 206,250 41,250 61,875 82,500 103,125 137,500 37,500 56,250 75,000. 93,750 125,000 33,750 50,625 67,500 84,375 112,500 30,000 45,000 60,000 75,000 100,000
Option I
Option - II
Option III
Option IV
Option - V
Option VI
Eligible Persons
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05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26
The total and permanent loss of the use of one hand and one foot Total and incurable disablement for all further work Total and incurable paralysis of all the limbs The total permanent loss of the use of one arm or of the greater part of one arm The total and permanent loss of the use of one leg The total and permanent loss of all sight of the one eye together with the series happening diminution of the sight of the other eye The total and permanent loss of the use of one hand or of five fingers or one hand, or the lower part of one arm The total and permanent loss of the use of one foot, or the lower part of one leg The total and permanent loss of hearing The total and permanent loss of all sight of one eye The total and permanent loss of the lens of one eye The total and permanent loss of the use of one thumb The total and permanent loss of the use of one forefinger The total and permanent loss of the use of one joint of a thumb The total and permanent loss of the use of two joints of one forefinger The total and permanent loss of the use of one little finger The total and permanent loss of the use of one big toe The total and permanent deafness of one year The total and permanent loss of the use of two joints of one little finger The total and permanent loss o fuse of one middle or of one ring finger The total and permanent loss of the use of two joints of one middle or of one ring finger The total and permanent loss of the use of one toe other than a big or of the joint of a finger Total disablement from engaging in or attending to usual business or occupation
100% 100% 100% 80% 75% 75% 70% 60% 50% 50% 30% 30% 20% 15% 12.5% 12% 10% 10% 8.5% 8% 6.5% 5% The weekly rate is 0.6% shown on the policy schedule for an aggregate period not exceeding one hundred and four weeks from the happening of the event. The weekly rate is 0.2% shown on the policy schedule for an aggregate period not exceeding one hundred and four weeks from the happening of the event.
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