What’s new for FY25

Inpatient department (IPD) enhancements

We introduced several enhancements to IPD services, including increased coverage for maternity and infertility and new coverage for a variety of other healthcare areas.

• Maternity: The maternity sublimit increased from INR 85K to 1 lac and includes new coverage for maternity complications.
• Infertility: The infertility sublimit increased from INR 85K to 2.5 lac.
• New coverage: 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 replaced National Insurance Company.

NOTE: Group Medical inpatient department claims continue to be filed through Paramount.

Outpatient department (OPD) enhancements

The major change for FY25 was the creation of two separate plans for IPD and OPD services under group medical coverage in order to 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 INR 30,000 OPD limit (for individuals/families) is now in addition to the INR 5 lac Group Medical limit, which means you have more to spend specifically on OPD services.

The Connect & Heal website and CNH Care app 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 transitioned from National Insurance Company to Aditya Birla Health.

NOTE: All services and claims processing are coordinated through Connect & Heal. Paramount no longer administers 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 single sign-on through the Intuit VPN) or the CNH Care app.
• New insurer: Aditya Birla Health replaced National Insurance Company as the insurer.

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.

• Two-year coverage lock-in: If you enrolled in this plan for FY25—or were enrolled in FY24 and did not disenrol during benefits annual enrolment—your coverage will automatically continue through FY26 with no option to disenrol. Any FY26 premium decrease or increase will automatically be applied.

Group personal accident insurance

The insurer for our life and accident benefit changed from National Insurance Corporation to New India Assurance. This change was automatic. No action was required.