View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Investment of gratuity fund in unit linked investment portfolio will reduce business costs. A good plan will help you to reward your valuable employees without any financial issues on your business.
Group gratuity scheme cover gratuity benefits as well as provide protection to the family through life insurance cover in the unfortunate event of death.
The annual gratuity contribution by an employer is treated as expenditure while calculating tax; Income from gratuity is exempted from tax up to the limit specified and subject to conditions under section 10(10).
Easy and prompt claim settlement without any hassle.
Under a group gratuity policy, it is necessary that the employer provide accurate and complete information about the policy holder. In case of any fraud or misrepresentation of facts, the claims will be rejected.
Customers generally ignore the renewal process due to which the claimed filed between the renewal gap are rejected. We prevent this by sending timely renewal reminders.
At the very least, you will often need to submit the reports from doctors confirming your injury and illness. You may need to submit supplementary proof to expedite your claim.
Provide the completed claim form, insurance policy correspondence with separation form. In case of death of member, death certificate and post mortem reports are required.
Policy can be enhanced with some rider plans to cover accidental death benefit, accidental disability benefit. This could be structured as a supplementary plan.
There are no specific exclusions under group gratuity insurance policy. But add on covers can be excluded in specific cases like intentional self injury, attempted suicide etc.
We have specialized employee benefits underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.