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Health insurance is among the best in the industry....it depends on your designation...I was c3a...For me, my spouse and child -- 2 lac coverage for every individual and 14 lac family floater along with 6k domiciliary reimbursement for each of us (for expenses like Dr fee, medicine bill, investigation test)....if u want to include ur parents, then u will have to pay premium which is also low compared to any other company
Thank you
HIS was better before covid. Now the premium prices has been increased to match with market rates. So, I believe you ll get better policies outside also
tcs collects entire premium for parents.. whereas there are lot of other companies are there who covers 70 to 80 percent of cost, even in case of parents; and another thing they don't include this copay in CTC. Bottom line there are companies who provide better HIS than TCS
Pro
TCS HIS is much better than other service based companies. For c3a, you will be covered under gold plus.
for you, your spouse and children - 2+14 = 16 lakh cover + 6k (out patient cover).
for parents (mother 61 yo and father 68 yo) - I paid ~40k total for 2+14 lakh cover + 6k (out patient cover) each.
No yearly bonus, HIS is good