At Intuit, we understand that you and your family have unique and diverse needs, and our benefits programme is designed to meet those needs. We are committed to constantly improving our benefit offerings and seeking regular feedback from our employees to better understand their preferences and priorities. Your “voice of the customer” feedback has been instrumental in shaping this year’s benefits programme enhancements. Our goal is to ensure that you receive the support and resources you need to thrive both personally and professionally.
All changes below are effective 1 August 2024.
FY25 benefits annual enrolment is 1-15 July
Be sure to review your current Group Medical and parent-in-law coverage and make any desired changes.
Inpatient department (IPD) enhancements
Based on what we’ve heard is most important to you and your family, we’re introducing several enhancements to Group Medical insurance. This includes increased coverage for maternity and infertility and new coverage for a variety of other healthcare areas.
- Maternity: The maternity sublimit will increase from INR 85K to 1 lac and will include new coverage for maternity complications.
- Infertility: The infertility sublimit will increase from INR 85K to 2.5 lac.
- NEW coverage for: Treatment for neurodiversity, genetic disorders, and congenital conditions; organ donation; preexisting diagnosis of HIV and AIDS; inpatient behavioural health; and mobility aids and prosthetics.
- New insurer: New India Assurance will replace National Insurance Company.
NOTE: You will continue to file Group Medical inpatient department claims through Paramount.
Outpatient department (OPD) enhancements
The major change for FY25 is the creation of two separate plans for inpatient and outpatient services under group medical coverage. This will simplify scheduling, enable cashless and paperless visits, and increase coverage, while streamlining claims processing. Here are the improvements you can expect:
- One app to schedule all virtual and in-person appointments, including annual health checkups: The Connect & Heal app (called CNH Care for iOS and Android) makes it convenient to manage all your OPD care in one place.
- Higher OPD limit: The current INR 30,000 OPD limit (for individuals/families) will be in addition to the INR 5 lac Group Medical limit, which means you will have more to spend specifically on OPD services.
On 1 August, the Connect & Heal website and CNH Care app will reflect your FY25 INR 30,000 OPD limit. As you, registered family members, and enrolled dependents receive services from in-network providers, the cost will be automatically deducted from your balance. (If you receive out of network care, you will need to pay out of pocket at the time of service and file a claim with Connect & Heal for reimbursement. Only soft (digital) copies of your documents are required to be submitted.)
- Reduced paperwork and burden of having to pay out-of-pocket and then seek reimbursement: When you or a family member book and receive care through Connect & Heal, there are no out-of-pocket costs, up to the INR 30,000 OPD limit. If you use a provider outside of the Connect & Heal network, you will pay for care at the time of service and submit documents through the Connect & Heal app (CNH Care) for reimbursement.
- New insurer: To streamline claims processing, the insurer for OPD services will transition from National Insurance Company to Aditya Birla Health.
NOTE: All services and claims processing will be coordinated through Connect & Heal. Paramount will no longer administer OPD claims.
Annual health checkup enhancements
The annual health checkup gives you and one registered dependent access to a variety of no-cost examinations, tests, and screenings at leading hospitals and diagnostic centers.
- Simplified booking: You can now book annual health checkups, OPD appointments, and free virtual consultations directly through the Connect & Heal website (using new single sign-on through the Intuit VPN) or the CNH Care app.
- New insurer: Aditya Birla Health will replace National Insurance Company as the insurer.
NOTE: Connect & Heal will continue to manage the annual health checkup programme. Beginning in FY25, Connect & Heal will also manage OPD services and claims administration, and will add free, online health consultations (see "NEW: Online consultations"), giving you a one-stop-shop experience online or through the CNH Care app.
NEW: Online consultations
Unlimited, free online consultations: You can book free, unlimited online consultations with general practitioners, pediatricians, gynecologists, dermatologists, and nutritionists through the Connect & Heal (CNH Care) app.
Parent-in-law coverage
The Group Medical plan offers voluntary coverage for your parents-in-law of INR 3 lac or 5 lac. You pay the premiums for this coverage.
- Employee premiums: Your premiums will remain the same for FY24, however, a new 2-year enrolment lock will now be required.
- NEW coverage lock-in: If you enrol in this plan for FY25—or are currently enrolled and do not disenrol during benefits annual enrolment—your coverage will automatically continue through FY26 with no option to disenrol. This new two-year lock-in allows us to maintain the current premiums for FY25. (Without it, premiums would have increased 17%.) Any FY26 premium decrease or increase will automatically be applied.
Group personal accident insurance
The insurer for our life and accident benefit will change from National Insurance Corporation to New India Assurance. This change is automatic. No action is required.
Take action
During benefits annual enrolment: 1-15 July
Review your current Group Medical and parent-in-law coverage and make any changes: When enrolment begins, you will receive an email from Darwin, your digital benefits administrator, with a link to their website where you can enrol in or change your coverage, and review and update your beneficiary designations for group personal accident and term life insurance.
If you don’t act during benefits annual enrolment:
- Your current plan will continue in FY25 at FY25 premiums.
- If you are currently enrolled in parent-in-law coverage and don’t disenrol during benefits annual enrolment, your coverage will continue through FY26 (with no option to disenrol).
If you make changes to your enrolment, Darwin will send you a confirmation email reflecting your elections.
Learn more and get help
- For more information about the FY25 changes, see the FY25 benefit chart.
- For questions about enrolling or if you need help, see the FAQ and user guide.
After 1 August
Download the Connect & Heal app (called CNH Care) from the App Store or Google Play to schedule annual health checkups and all virtual and in-person consultations, and to submit claims for OPD expenses.
You can cover up to two children under Intuit’s Group Medical insurance. If you need to cover three or more children, contact HR Connect about an exemption.
Group Medical premiums are automatically deducted from your payroll, and the respective tax exemptions are applied accordingly. These exemptions will be documented in your Form 16, under Section 80D of the Income Tax Act. There is no requirement to report this on the ADP portal for tax declaration or proof submission. It’s important to note that tax exemptions are NOT applicable under the Income Tax Act for premiums paid towards voluntary plans for parents-in-law.