I think all TCS employees are covered by default …

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    Though other people already answered the question correctly. I just want to debunk one myth.

    That TCS provides the best medical perk rather they are charging the TCSer for health insurance but most organizations don’t charge extra (maybe the cover is less as compared to TCS) but they keep it as a part of employee benefits (I confirm the following statement is true for these companies Accenture, EY, PwC & CTS).

    As per the TCS compensation, Health Insurance is part of CTC and they deduct INR 7900 & additionally need to contribute INR 3776 for the Floater Premium (Individual), making the total sum INR 11676. Now if you check in policy bazaar & compare the HIS (health insurance scheme) cover of 15 Lakhs you also need to pay the same amount yearly (Refer the below screenshot) .

    If you think logically they are procuring the HIS in lump-sum & hence they need to pay less for Employee’s HIS, thus they are providing best in class medical facilities as claimed by them but from our own money. I tried to infer a logical end to it, but feel free to agree or disagree with me.

    All hospitals are covered. If you can get a valid bill from any hospital you can claim the amount under HIS although there is a limitation on the amount that you can claim. But, yes some of the hospitals are having cashless hospitalization feature. You can get the list of such hospitals from your HR.

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    Hi Lakshay Mahajan,

    All the TCS Employees are covered under Basic Health Insurance Scheme , which will vary depending on your selection plan i.e gold,platinum etc. And the amount also varies depending on the type of plan you select and even the premium you pay in the first two months of the starting Quarter will vary.

    While coming to the list of Hospitals , almost all the hospitals are covered under this scheme. You can check the list in the Ultimatix portal in the Medi-Buddy section.

    In this section you can also find the details of the basic premium, floater premium(i.e if you add your dependencies) and also the e-cashless receipt through which you can get admitted in any of the hospitals listed.Even you can also find the Hospital name and even the location of the hospital under which the health insurance scheme is covered.

    And the most important thing is that, you can also even claim for the medicals , within completion of the year. The medical bills are verified and the amount gets reflected in your account within a week or two.

    Conclusion: “The hospitals may also vary depending on the type of Insurance company you are covered under”.

    Ultimatix -> Employee Services -> Health and Wellness ->Mediassist

    Search in the menu options after loggin in and you will get the list of hospitals.

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    Looking for a job change from TCS . Can any of you suggest best health insurance in the market or can we extend the existing insurance from Tcs ??

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    Download MEDIBUDDY android application from play store. Then, login using your employee ID. There you will be able to find hospital network.

    All hospitals shown in that hospital network will be available for cashless as well as for reimbursement.

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    In ultimatix,a click on health insurance portal will take you to medi assist. there network hospitals can be filtered there w.r.t city. You can also see policy documents on coverage of health issues

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    Go to your ultimatix home page, i don’t exactly remember the sub menu but try finding mediassist link somewhere or just type mediassist in the search box on the home page, hit enter.

    Use the Mediassist link and login into the same. There should be a menu/pdf stating the list of hospitals they are affiliated to.

    Or just raise a ticket in global helpdesk under mediassist, that will surely help you.

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    Its not like specific hospital

    If you got admitted for any hospital you can avail the money you spent for your health related issues using medi assist portal in TCS per year you can have a maximum of about 7000 per year (not so sure about the limit money)

    You just have to admit your hospital bills in that portal and they would put the money in your reimbursement account.

    Hope you got there answer.

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    You can see the list of hospitals in ultimatix, HR management – Mediassist link.

    Through mediassist portal we can see the list of hospitals covered regionwise.

    Almost all good hospitals are covered through mediassist. Please check

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    They have a full-fledged TPA Portal. it was MediAssist I guess when i was there. You can have all information, list of network list of hospitals, can raise claims, upload documents etc there. Moreover they keep on sending regular mailers as well.

    Also, your HR is best person to reach out. My experience says TCS HR are most approachable one in industry. Reach out for any query regarding anything-policy,insurance, transport etc

    Medical Insurance is the best facility given by TCS with a limit (7.95 lacs 3–4 years back+1 lacs in case cover depletes along with domicilary expenses) at a premium worth appreciating. They have best policy and facility I have seen till date in industry.

    Kudos to TCS on that!!

    Hope that helps!

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