The FAQ section is Splitted in to below mentioned 4 catergories for easy understanding

FAQ – General

FAQ – Coverage

FAQ – Policy Condition

FAQ – Process & Documentation

Frequently Asked Questions: - General

1. Who is APOLLO MUNICH INSURANCE CO?

APOLLO MUNICH INSURANCE CO is the insurer for the Group Hospitalization Policy of IBM India for the calendar year

2. Who is TTK Healthcare Services Private Limited?

We are the service provider who facilitates administration of IBM India Limited Group Mediclaim Policy (GMC) and assists you by providing quality health care. It is not an insurance company; it acts as a liaison between IBM and the insurance company.

3. What are the services available to me through TTK Healthcare Services Private Limited?

  • Online Enrollment System: For self and dependants
  • Electronic id-cards: For self and dependants
  • NetworkHospital: The largest network of hospitals in the country
  • Preferred NetworkHospital : Discounted package rates on treatments
  • Cashless hospitalization facility: For treatment at network hospitals for ailments covered under the Group Mediclaim Policy
  • Claims administration services: Registration of each claim with the insurer
  • Assessment of each claim for eligibility under the plan
  • Submission of claim to the insurer and follow up for speedy reimbursement
  • Dedicated Helpline - Both Voice and mail based services - write to or call in the IBM dedicated no – 080-40539789
  • Help desks at designated places - This help desk facility is an attempt to help the employees in putting forward any queries that they may have regarding the health benefits and the policy provided by IBM

4. What is the Help Line Number?
For IBM employees, the exclusive help line number (working 24/7) is 080-40539789.

5. Can I email my queries to TTK Healthcare Services Private Limited?
Yes, there is a dedicated email id for IBM. Please send your queries to

6. What is the escalation matrix followed in TTK?
Below mentioned are the contact numbers and mail ids for any Queries.
1. Please contact IBM Priority number - 40539789.
2. Please write to on any unanswered Queries by call centre for more than 2 working days
3. Please write to the TEAM LEADER - n any unanswered Queries by IBM care for more than 2 working days. You may also mark the copy of the mail to Harini Lakshmi()
We request you to follow the below mentioned escalation matrix ONLY if your queries are not replied by above mentioned contact points

Escalation Level 1

Sandeep Kumar (Manager) - Escalation Level 1

Email :

Turn-around Time: 2 working days

Mark a copy to Amar K Basle ()

Escalation Level 2

Please write to

You would get a revert from Apollo Munich within 4 days.

Escalation Level 3

Please write to

Note

Please write to each escalation level separately according to the timelines. Do not mark a combined mail to all the escalation points.

Frequently Asked Questions: - COVERAGE
1. What is a family floater (Base coverage of 3 lacs)

* This is the basic cover of 3 lacs Suminsured for all the members of ESC (employee, spouse and children) for the entire policy year (from 1-Jan- to 31-Dec-)

* Any of the family member can claim up to 3 lacs in the policy year. There is no individual restrictions.

* The employee has to pay the premium of Rs 1250 for taking this coverage of 3 lacs. Kindly refer the mail sent by IBM on 18-Jan-2012

1A) Who can be covered in the policy

In the floater cover, the below mentioned persons can be covered

1. Employee

2. Spouse

3. 4 children

The male child can be covered in the policy upto 21 years and unmarried female child can be covered in the policy upto 24 years.

In the non floater cover of parents,

Dependent parents (up to the age 90) is covered. The employee bears the premium for the non floater coverage.

Note : Any information provided by an employee is found to be incorrect or false would result in BCG Violation

1B) What is the Suminsured band of non floater cover

Employees can choose to cover their dependent parents each for amounts ranging from INR 50,000 to INR 500,000

The premium, TPA charges and the service tax would have to be borne by yourself.

Premium chart is available on the site in your login page. Kindly refer to the same.

2) What is meant by Opting out of the policy

If the employee does not want to Pay Rs 1250 premium for the coverage of 3 lacs, they can get opted out of the policy.

To get opted out, pls follow the following procedure within 45 days from 1-Jan-2012 (Renewal employees) OR DOJ (New employees)

  1. Login to using your login id and password. Please refer to the login procedure in our home page.
  2. Please check the checkbox under the additional coverage option
  3. Say OK to the POPUP message
  4. Click the submit button.

Note: If you check the check box of opt out, you (Employee, spouse and children will not be eligible for the hospitalization benefits in the current policy year. But you can get your parents covered. If you resign from IBM, the parents coverage get cancelled automatically from the date of the resignation

2A. Can I Opt in after getting opted out?

You can get opted in again by logging in to our website but you need to do this within cut off date (45 days from 1-Jan-2012 (Renewal employees) OR DOJ (New employees))

After cut off date, you are not allowed to do any changes as the data gets freezed.

If you are having claims / preauth for your parents, you will not allowed to get opted out of the ESC policy.

In this case, please send a mail to within cut off date so that we can do the needful and intimate you.

2B) Can I Opt out after having claims and preauth?

The employee is not authorized to get opted out within 45days since he has utilized the policy benefits.

3) what is Additional coverage?

If you wish to enhance the coverage beyond the family floater of INR 300,000, you can enhance it from 4 lacs to 10 lacs in total. This is called as additional coverage.

The extra premium and the service tax would have to be borne by yourself for the coverage for more than 3 lacs

Premium chart is available on the site in your login page. Kindly refer to the same.

4 ) Can the above mentioned coverage used outside India?

No, the coverage is only limited to any hospitalization inside India

5) Employees having problem in addition of dependents / Increase in Suminsured

5A ) If the problem is for SI increase,

If the employee has crossed the cut off date, of (45days from DOJ) , the SI cannot be increased after the cut off date of 45days”

If the employee has not crossed the cut off date, of (45days)

“pls send the below mentioned info to with a copy to bindiya () and haripriya ()”

Note : If there is already a claim / preauth for the person for whom you want to increase the SI in current year, then the increased SI cannot be extended or used for the existing ailments or its complications

  1. Empno
  2. DOJ
  3. For whom the SI is to be increased
  4. What is the amount
  5. Declaration : I agree to the policy condition that the increased SI cannot

be extended or used for the existing ailments or its complications.”

5B )Problem in Additions of Dependents

If the employee has crossed the cut off date, of (45days from DOJ) , the dependents cannot be increased after the cut off date of 45days”

If the employee has not crossed the cut off date, of (45days from DOJ)

“pls send the below mentioned info to with a copy to bindiya () and haripriya ()”

In case of ESC

  1. Name
  2. Gender
  3. DOB
  4. Relationship
  5. Additional SI if any

In case of Parent

  1. Name
  2. Gender
  3. DOB
  4. Relationship
  5. SI of each parent

5C) In case of Name change and Age change,

The name change has to be first done in IBM HRMS. Once it is done (or it if it is correct in HRMS), please send a mail to bindiya () with the proof.

5d) In case of Queries on MTI (Mid term inclusion)

Mid term inclusion is possible only for new born babies and newly married spouse. This should be done with 45days of DOB of the child or DOM of the spouse

The adopted child shall be covered from date of legal adoption

Mid term inclusion of parents are not allowed.

6) How does the coverage take place for a new joiner?
Your coverage will begin from the Date of Joining in IBM.

But for the addition of your dependants,

you need to visit the website and complete your online enrollment procedure by submitting your dependants' details within 45 days from the date of your joining.

LOGIN PROCEDURE

Step 1: You need to log on to Don’t login through ttkhealthcareservices.com
Step 2: Choose Corporate Login
Step 3: Type IBM (not case sensitive) as 'User Name'
Step 4: Press Tab & wait for 30 Secs
Step 5: Please allow the value ( IBM (I310-01) ) to be auto-populated in the 'Select branch' field
Step 6: Type your 6 Digit IBM Employee Number as 'ID'
Step 7: Type your 6 Digit IBM Employee Number as 'Password'
NOTE: We strongly advise you to change the password immediately after you log in.
Step 8: Click on 'Login' button

Step 9: Click on 'Add/modify dependant information/address

If the employee does not want to Pay Rs 1250 premium for the coverage of 3 lacs, they can get opted out of the policy

To get opted out, pls follow the following procedure within 45 days from 1-Jan-2012 (Renewal employees) OR DOJ (New employees)

1Login to using your login id and password. Please refer to the login procedure in our home page.

2Please check the checkbox under the additional coverage option

3Say OK to the POPUP message

4Click the submit button.

Note: If you check the check box of opt out, you (Employee, spouse and children will not be eligible for the hospitalization benefits in the current policy year. But you can get your parents covered. If you resign from IBM, the parents coverage get cancelled automatically from the date of the resignation

7) Addition of Dependants of the existing employees
1. Existing employees spouse and children record will get carried forward from last year. You can add the parents details/ modify the ESC dependants details at the time of renewal of the insurance policy within 45 days. They have to log on to the TTK website ( )and add dependant details. Coverage will be effective from the starting date of the new policy. – Follow the enrolment process
2. Newly married employees can add spouse details by logging on to the TTK website ( within 45 days of the date of marriage. Coverage will be effective for the spouse from the date of marriage.
3. Employees who have a new born child can add him/her within 45 days of the date of birth by logging on to the TTK website ( Coverage will be effective for the new born child from the date of birth.
4. Employees who have adopted a child can add him/her within 45 days of the date of legal adoption by logging on to the TTK website ( Coverage wil be effective from the date of adoption

7) Can I remove my Dependants who are covered in the policy

Only Divorced spouse & Expired dependent can be removed during the policy year. The supporting proof has to be sent to

8) What is an electronic ID card?
All employees and the insured members, under this plan, are entitled for an e - ID card.

This ID card will identify them for admission into the network hospitals and to allow access to credit facilities at preferred hospitals around the country.

This e- ID card is non-transferable.
Note: The e - ID card is the sole property of TTK Healthcare TPA Private Limited and must be returned upon request or in the event of separation from the Company's services.
9) How do I get an electronic ID card?
You can and need to print the electronic ID card online. Follow the below mentioned steps to print the ID card:
Complete the online enrollment process by adding self and dependant details by visiting (Refer to steps under question 8 for online enrollment).
It is advisable to take a print of the ID cards after completing the enrollment. These ID cards will be useful at the time of hospitalization.
Step: 1 Log on to
Step: 2 Choose Corporate Login
Step: 3 Click on 'Go'
Step: 4 User name: IBM (not case sensitive)
Step: 5 Press Tab & wait for 30 seconds
Step: 6 Please ignore the field 'Select branch name' and allow the auto-select of the value in this field
Step: 7 ID: Type your Employee ID Ex: 123456 (your 6 digit employee no.)
Step: 8 Password: Type your password
NOTE: We advise you to change the password after you log in.
Step: 9 Click on E - Card.
Step: 10 Click on "view E - Card"
Step: 11 Print the pdf document

Note : If you have opted out of the policy, the e-card wont get downloaded for the Opted out employees. In case parents are covered, e-cards will get downloaded only for parents

10) What happens if I lose a ID card?
If you lose a ID card, you may print another copy of the card online. Follow the above mentioned 10 steps under question no. 10 to print copies of the ID Card.
11) Will I be insured in the policy even If I have not got my electronic id card?
You and your nominated dependants will be insured from the day you join IBM/date of renewal of policy, whichever is later, only if you complete the online enrollment through weblogin within the specified timeline.
12) What do I do in case of a hospitalization in my family?
In case of planned hospitalization,

call on the helpline numbers of TTK Healthcare Services Private Limited to inform them when you or your nominated dependant needs hospitalization. This should be done at least 48 hours prior to the date of admission.
Fill the Pre-Authorization form, available with the Network Hospitals upon showing the TTK ID card or by mentioning your IBM employee id. This can also be obtained from the TTKHCS helpline or can be downloaded from the TTKHCS website.
Submit/Fax the Pre-Authorization Form to our toll free fax numbers at Bangalore 48 hours in advance.
The advance intimation to TTKHCS will help you to avoid payment of advance amount to some hospitals.
Sign the relevant documents including discharge summary before leaving the hospital/getting discharged. If your hospitalization is authorized, then ensure you pay for non-medical expenses and co-payment charges for the dependants and parents, if enrolled.
For a non-network hospital, employee has to arrange to fax the complete pre-authorization to TTK.
TTK will be able to extend credit (in Network hospital) for the hospitalization only after the pre-authorization is complete and eligibility is determined. TTK will then send an authorization letter to the hospital.

Emergency Cashless Hospitalization:
When you have an emergency hospitalization and get admitted into a network hospital, please inform your family member/relative/friend to contact the billing dept in the hospital with TTK ID or IBM employee id to send Pre-authorization form to TTK. If your hospitalization is authorized, then ensure you pay for non-medical expenses and co-payment charges for the dependents and parents, if enrolled. Kindly sign the relevant documents before leaving the hospital/getting discharged.
13) Is there any minimum time limit for stay in the hospital?
Yes. Stay in the hospital should be for minimum of 24 hours.

However, there are a few specific ailments specified in the policy which can be covered even though the period of hospitalization is less than 24 hours.

1. Dialysis

2. Chemotherapy

3. Radiotherapy

4. Eye Surgery

5. Lithotripsy (Kidney stone removal)

6. D&C

7.Tonsillectomy
Note :Even if the stay is more than 24 hrs, and there is no active line of treatment (only investigations,tests, diagnosis is done), the claim is not admissible under the policy

Frequently Asked Questions: - POLICY CONDITIONS

All hospitalization claims under the Medical Insurance Policy pertaining to employees will be borne by the insurer and employee on an 95%: 5% basis.

All hospitalization claims under the Medical Insurance Policy pertaining to dependants (spouse, children and parents) will be borne by the insurer and employee on an 80%: 20% basis.

Hospitalization Expenses
1. preexisting

All pre-existing diseases are covered except the standard exclusions mentioned down

  • Hospitalization for convalescence, general debility, run down condition or rest cure
  • Hospitalization for intentional self-injury, use of intoxicating drugs/ alcohol
  • Injury or disease directly or indirectly caused by or arising from or attributable to war or war-like situations
  • Circumcision unless necessary for treatment of diseases
  • Dental treatment / surgery is not covered unless requiring hospitalization due to accident.
  • Injury or disease caused directly or indirectly by nuclear weapons
  • Naturopathy
  • Cost of spectacles, contact lenses, hearing aids
  • Any cosmetic or plastic surgery except for correction of injury
  • Hospitalization for diagnostic tests only even if it is prescribed by a physician
  • Vitamins and tonics unless used for treatment of injury or diseases
  • Infertility treatment
  • Voluntary termination of pregnancy during first 12 weeks (MTP)
  • Sterility and Venereal diseases
  • Charges incurred at hospital or nursing home primarily for diagnosis X Ray or laboratory examination or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive existence of presence of any ailment,sickness or injury , for which confinement is required at a hospital/nursing home or at home under domiciliary hospitalization as defined.
  • HIV / AIDS#
  • Vaccination / Immunization
  • Genetic disorders

2. Maternity