Employees Benifits

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LIST OF EMPLOYEE BENEFITS IN NATIONAL INSURANCE HOTEL CHARGES CLASS Area I Scale VI & VII 4000 2000 1750 Scale IV &V 2500 1500 1300 Scale II&III 1500 1000 800 Scale I 1000 750 500 Class II 900 675 450 Class III 800 600 400 Class IV 700 525 350 HALTING ALLOWANCE Scale IV to VII 600 550 500 Scale I to III 550 500 400 Dev Officers 400 300 250 Sr Asst/Steno 400 300 250 Asst/RC 350 250 200 Sub Staff 300 200 150 C CLASS CITIES: ALL OTHER PLACES Brief case limits Scale VI & above 2500 Scale IV, V and above 2150 Scale II &III 1850 Scale I 1500 Dev Officer 850 The above limit is inclusive of Sales Tax and other suppl. Taxes. The frequency of the reimbursement is 3 years Honorarium for Internal and external faculty for training Officers from our Industry : Rs.200/- per 90 min session Outside faculty Rs.500/- per 90 min session Major cities Other places Major cities: Ahmedabad, Mumbai, Bangalore, Area I : Pune, Nagpur, Kanpur, Surat, Jaipur and A Class city B Class city C Class city A class cities : Mumbai, Navimumbai, Kolkata, New Delhi, Faridabad, Ghaziabad, Noida, Gurgaon, Chennai, Agra, Ahmedabad, Bangalore, Bhopal, Coimbatore, Gandhinagar, Goa, Hyderabad, Indore, Jaipur, Kanpur, Kochi, Lucknow, Ludhiana, M adurai, Nagpur, Patna B Class Cities: Agartala, Amaravati, Aizwal, Aligarh, Allahabad, Amritsar, Asansol, Aurangabad, Blgaum Bhavnagar, Bhubaneswar, Bikaner, Chandigarh, Cuttack, Dehradun, Dhanabad, Durg Bhilai, ok, Guwahati, Gorakhpur, Guntur, Gwalior, Hubli, Imphal, Itanagar

Transcript of Employees Benifits

Page 1: Employees Benifits

LIST OF EMPLOYEE BENEFITS IN NATIONAL INSURANCEHOTEL CHARGES

CLASSMajor cities Area I

Scale VI & VII 4000 2000 1750Scale IV &V 2500 1500 1300Scale II&III 1500 1000 800Scale I 1000 750 500Class II 900 675 450Class III 800 600 400Class IV 700 525 350

HALTING ALLOWANCE

A Class city

Scale IV to VII 600 550 500Scale I to III 550 500 400Dev Officers 400 300 250Sr Asst/Steno 400 300 250Asst/RC 350 250 200Sub Staff 300 200 150

C CLASS CITIES: ALL OTHER PLACES

Brief case limits

Scale VI & above 2500Scale IV, V and above 2150Scale II &III 1850Scale I 1500Dev Officer 850The above limit is inclusive of Sales Tax and other suppl. Taxes.The frequency of the reimbursement is 3 yearsHonorarium for Internal and external faculty for training

Officers from our Industry : Rs.200/- per 90 min sessionOutside faculty Rs.500/- per 90 min session

Other places

Major cities: Ahmedabad, Mumbai, Bangalore, Calcutta, Delhi, Hyderabad, ChennaiArea I : Pune, Nagpur, Kanpur, Surat, Jaipur and Lucknow, Vizag, Patna, Vadodara, Kochi, Indore, Bhopal, Ludhiana, Coimbathore, Madurai, Agra and Varanasi B Class

cityC Class city

A class cities : Mumbai, Navimumbai, Kolkata, New Delhi, Faridabad, Ghaziabad, Noida, Gurgaon, Chennai, Agra, Ahmedabad, Bangalore, Bhopal, Coimbatore, Gandhinagar, Goa, Hyderabad, Indore, Jaipur, Kanpur, Kochi, Lucknow, Ludhiana, M adurai, Nagpur, Patna

B Class Cities: Agartala, Amaravati, Aizwal, Aligarh, Allahabad, Amritsar, Asansol, Aurangabad, Blgaum Bhavnagar, Bhubaneswar, Bikaner, Chandigarh, Cuttack, Dehradun, Dhanabad, Durg Bhilai, ok, Guwahati, Gorakhpur, Guntur, Gwalior, Hubli, Imphal, Itanagar

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M C R E

Scheme (80:20) 80% of actuals sub to max 100 ltrs

Conv.Scheme 2002 Quarterly limitsCMD No limitGM 375Scale V &VI 300Scale V other than incharges 250

Metro: 250A class 225B class 180C Class 150

Replacement of tyres & tubes:

under 80:20 schemeSalvage 300

under 2002 scheme After 32000 KM run of the car

Replacement of batteries80:20 scheme 80% of cost after 18 months from d.o.p.

Salvage Rs.150/-2002 Scheme After 18 months from date of purchase

LTSOfficers 01/01/odd year to 31/12/even yearAll other employees 01/01/even year to 31/12/odd yearA C Sleeper railway for 2000 KMsFares include charges for sleeper berths and reservation charges.The employee and his family members may travel together or separately in 2 groupsFamily means spouse, dependent children and dependent parents residing with employeeLTS cane be carried forward to the immediate next blockPartial carrying of LTS to next block is not allowed

01/01/even year to 31/12/ odd yearMin requirement for encashment: to avail EL for a cont. period of 15 daysTRANSFER BENEFITSOFFICERSTRANSFER GRANT ONE MONTH BASIC SALARYHALTING ALLOWANCE FOR 30 DAYS FOR C CLASS CITY

Transportation chargesScale IV and above Actuals, sub max for 90 qntls by goods trainScale I to III Actuals, sub max for 60 qntls by goods train

PACKING AND FORWARDING CHARGESWPacking charges: Forwarding charges

Scale VI and above 2500 500/- at each endScale IV & V 1800AM/AO/AAO 1500

DM/BM/ Mngr in charge of RNTB, Dev in charge at RO

80% of cost of after every 32000 KMs run

LTS can be in the vehicles regd in employee's name/his spouse or in hired ones as pr rules.

EL encashment for all cadres

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SUPERVISORY CLERICAL AND SUBORDINATE STAFF

Transportation chargesEmployees drawing salary

Over 5780/-

With family 30 qtls 25 qtls 15 qtlsWithout family 10 7.5 5

Packing charges 500 500 350Transfer grant 1000 750 500RATE OF TRANSPORTDistance in Kilometers Rate per km Rs.Upto 2000 KM 1.40psAbove 2000 KM 1.10psSecond trip may be allowed for transfers other than request transfers

VEHICLE LOANS-OFFICERS

Two wheelers No of times

Scale I & II Full value-appr. make max. Rs.50,000/- 3

Four wheelersScale IV & V Full value-appr. make max. Rs.250000/- 3

VEHICLE LOANS-CLASS III & IVTwo wheelers 80% of purchase price max Rs.25000/- 3

DEVELOPMENT OFFICERS- VEHICLE LOANPETROL CARS 325000DIESEL CARS 375000NO EXTRA CHARGE FOR INBUILT AC TO BE BORNE BY DEV OFFICER.

Fixed conveyance allowance to Officers assigned with field duties

For AAO/AO using their own two wheelers 400For AAO/AO using their own four wheelers 500

LEASE NORMSLimit

Metros A Class B Class C ClassScale I 75 3965 3490 2950 2500Scale II 75 3965 3490 2950 2500Scale III 100 5080 4470 3575 3305Scale IV 100 5080 4470 3575 3305Scale V 125 6095 5385 4025 3400Scale VI 150 5485 4830 3860 NAScale VII 200 5485 NA NA NASr Asst 600 sqft 1710 1505 1360 1290

Licence fee 2.5% of Basic pay at the min of the scaleRelaxation 10% in A,B,C and 25% in Metros

3601- 5780/-

3600/- below

Carpet area

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Type of vehicle Per k.m.as % of Petrol prices/ltr.For Cars (Petrol) 12%For Cars (Diesel) 15%For 2 wheelers 5%

HOUSE BUILDING LOAN LIMITS

CADRE

Sub-staff 1.75 2.25 4.00Record Clerk 2.25 2.75 5.00Assistant 2.75 3.25 6.00Sr Asst/Steno 2.75 3.25 6.00Dev Officer Gr II 2.75 3.25 6.00Dev Officer Gr I 2.75 3.75 6.50Scale I&II 3.25 3.75 7.00Scale III 3.65 4.35 8.00Scale IV&V 4.00 4.50 8.50Scale VI 4.00 5.00 9.00Scale VII & above 4.00 6.00 10.00

Rate of Int on Supplementry loan 7.5P F LOANREASONS FOR REFUNDABLE PF LOAN SANCTION

1 Marriages of dependent relatives2 Funerals, ceremonies3 Illness of the employee or his family members4 Cost of higher education of the dependent children56 Cost of building a house or purchasing a site, flat etc.

(renovation/repairs is not allowed.)REASONS FOR NONREFUNDABLE PF LOAN SANCTION

1 Only for housing purposes ex: Purchase of a dwelling/site/house/flat/apartment.

2 Additional construction/extension(excluding repairs or alterations),

QUANTUM OF LOAN:1 FOR MARRIAGE PURPOSE 6 MONTHS BASIC+DA+FPA+PP2 OTHER THAN FOR MARRIAGE 3 MONTHS BASIC+DA+FPA+PP3 HOUSING PURPOSE ENTIRE AMOUNT OF THE BALANCE OF PF

OWN CONTRI. (WHETHER REFUNDABLE OR NONREFUNDABLE.

RECOVERY TERMS1 For marriage only Maximum 48 equated monthly instalments2 Other than marriage Maximum 24 equated monthly instalments

RATE OF INTEREST 13% ON REDUCED BALANCE METHODNO LOAN IS PAYABLE OUT OF VPF OR COMPANY'S CONTRIBUTION OF PF

Mileage Allowance on official tours undertaken by Officers and other employees in their vehicles

SCHEME LOaN

SUPPLEMENTARY LOAN

TOTAL LOAN

Cost of passage to a place out of India by employee/his family members.

Cost of registration, stamp duty etc.

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VOLUNTARY PROVIDENT FUND

INCLUSION OF VPF From first month of every quarter ie.,April, July, October and January

LEAVES CASUALLEAVE 12

No Half day Casual LeavesMaximum CLs can be availed at a time : 5 days

No Additional Casual Leaves2 Restricted holidays chosen among the declared RHs

EARNED LEAVE 1 DAY FOR EVERY 11 DAYS of duty

Min leave to be availed 7 days and Maximum 120 daysMaximum accumulation 240 daysCA may sanction EL of shorter duration twice in a calender year

SICK LEAVE 30 days Half Paycredit for completed calender year service Max Accumulation 240 daysAppln, should be supported by Doctor Prescription

NOT EXCEEDING 6 MONTHS PROVIDED NO SICK LEAVE CREDIT

ADMISSIBLE FOR DISEASES LIKE

FEMALE EMP HAVING < 3 LIVING CHILDREN ARE ELIGIBLEENTITLED FOR MATERNITY LEAVE OF 180 DAYSIN CASE OF MISCARRIAGE ENTITLED FOR 6 WEEKS

Chicken Pox is not considered for quarantime leave.

The duration of LOP 3 months in one occasion and6 months during the entire period of service

ENTITLEMENT TELEPHONE CALLSOFFICERSScale VI &VII NO LIMITScale V 3150+free callsDMs/BMs 2750+free callsDEVELOPMENT OFFICERSPremium income for the preceding year No. of calls

Not exceeding Rs. 3 lacs 2750Exceeding Rs.3 lacs but not exceding Rs. 8 lacs 3250Exceeding Rs.8 lacs but not exceding Rs.12 lacs 3750Exceeding Rs.12 lacs but not exceding Rs. 20 lacs 4500Exceeding Rs.20 lacs but not exceding Rs. 30 lacs 4750Exceeding 30 lacs 5000

ADVANCES

FLLOD/CYCLONE ADVANCE 7000/-FESTIVAL ADVANCE OFFICERS 13000

11000

One can make additional contribution in multiples of hundreds, but max is equivalent to Co.'s contribution towards PF Dis continue VPF or to alter theamount of VPF

Only 1st April of subsequent accounting year

ADDITIONAL CASUAL LEAVERESTRICTED HOLIDAYS

Duty shall mean period of service but not shall include the periods of leave other than casual leave, Qur Leave, Exm Leave

SPECIAL SICK LEAVE FOR 8 MAJOR DISEASES

Cancer, Leprosy, TB, Paralysis, Brain Tumer, Cardiac Ailment, Kidney diseases, mental disease

MATERNITY LEAVE:

EXAMINATION LEAVE

TO ATTEND EXAMS CONDUCTED BY iii, Chartered Institute of Actuaries, Institute of Chartered Accountants of India and Institute of

QUARANTINE LEAVE

IF infectious disease in the household of an employee is present for the following diseases from the date of intimation submitting medical certifcate Cholera, Smaall Pox, Plague, Diphtheria, Typhus Fever and Cerebrospinal meningitis are considered for quarantime leave

LEAVE ON LOSS OF PAY:

DEV OFF., SUP/ CLERICAL STAFF

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MEDICAL BENEFITSDOMICILLIARY BENEFIT PAYABLE IN LUMPSUM

Basic Amount Max Amt

>20350 6000upto 20350 4000Class II- Grade I Basic <10750 1500

Basic>10750 2400Grade II 1500

Class III &IV 2000

CATEGORISATION UNDER GROUP MEDICLAIM POLICY

sum Insured Basic Pay RangeI 110000 18671 aboveII 70000 14731 18670III 70000 upto 14730

GROUP SAVINGS LINKED INSURANCE SCHEMEEMPLOYEES COVERED

PREMIUMS PD BY EMP FOR

CAT Life cover Total pre.I 30176 ABOVE 700000 100 300 400ii 22681 30174 560000 80 240 320iii 16386 22679 420000 60 180 240iv 8825 16384 280000 40 120 160v 4855 8824 110000 47 141 188vi below 4855 70000 26 78 104

BENEFITS UNDER THE POLICY:

GROUP TERM INSURANCE SCHEME(APPLICABLE ONLY FOR EMPLOYEES OPTED FOR PENSION)

CAT BASIC SALARIES LIFE PREMIUMI 30175 above 400000 100ii 22680 30174 320000 80iii 16385 22679 240000 60iv 8825 16384 160000 40v 4855 8824 110000 27.5vi BELOW 4855 70000 17.5

MONTHLY ALLOWANCE PAYABLE FOR IN CHARGES OF TRAINING CENTRESDESIGNATION ELIGIBLE ALLOWANCEPRINCIPAL 1200/-FACULTY MEMBER, NCIL 700/-PRINCIPAL, RTC 600/-ATC IN CHARGE 400/-LOKADALATH ALLOWANCE PAYABLEWITHIN MUNICIPAL LIMITS 1000OUTSIDE MUNICIPAL LIMITS 500 + Tour Exps.

Category

BASIC SALARy

Life cover

Savings pre.

On death whilst in service : Life cover together with member's savings accumulation with interestOn retirement or leaving : Return of member's savings accumulation with accrued inerest .

LIFE COVER

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REVISED FSO-1997- UPDATED

DESIGNATION SCALE-1 SCHALE-2 SCHALE-3 SCHALE-4DEPARTMENTFIRE, IAR 50,000 1,25,000 10,00,000 15,00,000M.CARGO 25,000 1,00,000 7,00,000 10,00,000M.HULL - - 1,12,500 2,25,000MOTOR OD CLAIM SETTL. 10,000 30,000 1,50,000 2,50,000SURVEYOR APPOINTMENT 15,000 45,000 2,00,000 3,00,000MOTOR TP AWARD 7,500 22,500 5,00,000 8,00,000MOTOR TP L.A. - - 1,50,000 3,00,000ENGG 10,000 20,000 10,00,000 15,00,000MISC. JB , BB 5,000 10,000 1,50,000 3,00,000P. A. in all related Policies 20,000 60,000 3,00,000 6,00,000MISC.OTHERS 10,000 30,000 1,50,000 3,00,000ALL LIABILITY CLMS 1,50,000 3,00,000AVIATIONGUARANTEE BONDEXGRATIA COMPROMISE NON TP 20% 25% 33.33%NON-STD % => NIL NIL 20% 25%REFUNDS 500 2,000 10,00,000 15,00,000SALVAGE DISPOSAL - 10,000 5,00,000 25,00,000

SUR/INVST FEES ACTUALSEXP NOT COVEREDADV/LEG FEE-NON TP 1,000 2,500 5,000

ADV/LEG FEE-TPNFL OIC

ADV/LEG FEE-TP-FL OICREINSURANCE DEPTFRESH CONTRACTSCANCEL-CONTRACTSRENEWAL-CONTRACTSSIGNING DOC-RI ACTUALSCASH CLMS&REL EXP 1,50,000 4,50,000 7,50,000RENDERING-A/CS ACTUALSSETTLEMENT-A/CS ACTUALSREFUNDS 500 2,000 3,000 5,000CO-INSURANCE ACTUALSSURVEY/RESEARCH PROJECTRELATED EXPENSESREIMBURSEMENT TO GIC/OTHER CO.CO-INSURANCE SETTL.-A/CS ACTUALSRURAL INSURANCE DEPARTMENTEXP. ON FIARS/MELAS/EXIHI. ACTUALSPURCHASE OF EAR TAGS OIC 5000 15,000 30,000EAR TAGS FIXING&VET.DR FEE OIC 500 1,000 2,000ESTATE AND ESTABLISHMENT DEPT.PRINTING & STNRY 500 1,000 10,000 20,000

BM-ACTUALS

AS PER NORMS

AS PER NORMS

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1,000 2,000 10,000 20,000MAINTENANCE REPAIR&RENEW.ALL MOVABLES EXCEPT VEHICLES 1,000 2,000 15,000 30,000IMMOVABLES & VEH.OWNED BY CO 2,000 5,000 10,000VEHICLES UNDER LOAN SCHEME ACTUALSPREMISES RENT OIC ACTUALS ACTUALSHIRE CHARGES-SUNDRY ASSTS 1,000 2,000TELEPHONE&TELEX/FAX EXP. 2,000 3,000 10,000 20,000SALE OF OLD NEWSPAPERS/JOUR. OIC ACTUALSHIRE CHRGS FOR GENERATOR 5,000

PMNTS. TO HIRED WATERMAN/SEC.GURDSINT.FUR. -COST OF CABINS, FALSE CEILINGSPERSONNEL DEPARTMENT

ACTUALS ACTUALSOVERTIME WAGES ACTUALS ACTUALSROVAL OF CAEX-GRATIA/BONUS TO EMP. ACTUALS ACTUALS

ADVANCES TO EMP INCL OF HBL & VEH LOANS ACTUALS ACTUALS

ACTUALSSUBSIDY TO PF TRUST ACTUALSTERMINAL DUES - EMPLOYEES ACTUALS

ACTUALS

DOCTORS FEE FOR PRE-EMP MEDICAL CHECK UP ACTUALSOTHER EXP REL. TO RECRUIT. 2,000 5,000

1,000 2,000 5,000 15,000TRANG EXP- COURSE FEE ACTUALS ACTUALSHONORARIUM TO FACULTY ACTUALS ACTUALSACCOUNTS DEPARTMENTBANK CHARGES 750 1,500 7,500 15,000

WRITE OFF-LOSSES FROM MISAPPROPRIATIONBAD DEBTS

BOOKVALUE OF ASSETS EXCEPT MONIES REC.

OIC ACTUALS ACTUALS ACTUALS

REFUND OF SEC DEPOSIT EXC OF GUA. DEPT. OIC ACTUALS ACTUALS ACTUALS

PAYMENTS TO FORMER SHAREHOLDERS ACTUALSAUDIT FEES-SAT. AUDITORS ACTUALSAUDIT FEES-TAX AUDIT ETC. 5,000DEPRECIATION - ASSETS ACTUALSINVESTMENT DEPARTMENT

BUYING AND SELLING SHARES,BONDS & REL EXP.ITEMS COVERED BY GIC ACTUALSITEMS NOT COVERED BY GICEXP-DEMATERIAL. OF SCRIPSGENERAL POWERS APPLICABLE TO ALL DEPTSLOCAL CONVEYANCE 100 200 500 1,000

CARTAGE,FREIGHT,RENT,POSTAL CHRGS,PACKING EXP., RATES AND TAXES, POLICY STMPS, REV. STMPS,SUNDRY COMM.,UNIFORM WASH CHRGS,ELE CHRGS and expenses for office upkeep and maintenance

SALARY & ALLOWANCES, LTS,LEAVE ENCASHMENT & ALL AUTHORISED DED. OF SALARY

GRANT TO EMBS, STAFF RECREATION SPORTS CLUB

EXP SHARED BY GIC FOR RECRUITMENTS/SPEVENTS

TRAVELLING AND HALTING ALLOW INC OF ADVANCES

INTERBANK TRANS/INTEROFF TRANSF. & BOOK TRANSF.

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COMPROMISE SUITS EXCEPT UNDER POLICIESREPLENISHMENT-IMPREST A/CS OIC ACTUALSSTATUTORY PAYMENTS ACTUALSPYMNT-EMD &OTHER DEPOSITS OIC ACTUALS ACTUALSPUBLICATION EXP-PREMISESETC. 2,000 5,000EXP-PUBLISH.-HOUSE MAGZINES ACTUALSADVT&PUB-BUSI. PROMO.EXPEXP -GIC-SP PROGRAMMESAGENCY COMMISSION PYMNT OIC ACTUALSI.TAX DEDUCT-AG COMMIS. ACTUALSDONATIONS & CHARITIESCONT. TO LPA,TAC,NIA.IIIDIRECTOR,S FEES ACTUALSEXP-MEETINGS,WORKSHOPSENTERTAINMENT EXPGUEST HOUSE/TRAN. CAMP EXPLEASING PREMISES-OFFICE/RESINS-MOVABLE&IMMOV. PROP ACTUALS ACTUALSLEGAL CHARGES OIC ACTUALS

PROF.FEE-SURVEYORS OTHER THAN CLMSPURCHASE-LIBRARY BOOKS 2,000PUR-NEWSPAPERS,JOURNALS ACTUALS ACTUALSMED EXP-EMERGENCY-EMP. ACTUALS ACTUALSMISC EXP-PURCHASE-STAMPS 500 1,000 2,000 5,000CAPITAL EXPENDITURE (OTHER THAN IT/MS GROUP)IMMOVABLE PROPERTIESCOMMITTEE CONSISTS CMDPURCHSE-RES./OFFICE PROP.ADD/ALTER.-EXISTING PROPERTYPURCHASE/SALE/REPAIRSMOVA. PROP EX:LIGHTS,FANS 15,000MOTOR VEH. INC 2 WHEELERSIT/MANAGEMENT SER GROUPCOMPUTER CONSUM.-PURCHASE 5,000 15,000AMC-COMPUTERS &COMP.EQUIP. 15,000IT PROJ. IMP FEESPUR.-SOFTWARE APPLI., UTILI. 25,000CONSULTING FEESTRNG, TECH WORKSHOPS 25,000

SITE PREP.&INSTLLN. COMPUTERS& IT EQUIP 25,000HONORARIUM-FACULTY-TRNG ACTUALS

25,000

NOTE : IN RESPECT OF ALL PACKAGE POLICIES, THE FINANCIAL AUTHORITY IS APPLICABLE AS PER THE DEPT IN WHICH THE CLAIM ARISES.IN CASE OF MOTOR TP L.A. DCC AND RCC LIMITS ARE THE LIMITS OF DICC AND RICC.

PURCHASE AND SALE OF COMPUTERS/NETWORKING EQUIP.

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REVISED FSO-1997- UPDATED

DCC SCHALE-5 RCC DGM GM CMD HCC

30,00,000 40,00,000 80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS15,00,000 30,00,000 50,00,000 75,00,000 1,50,00,000 3,00,00,000 ACTUALS5,00,000 7,50,000 15,00,000 30,00,000 75,00,000 1,50,00,000 ACTUALS3,50,000 6,00,000 7,50,000 10,00,000 20,00,000 30,00,000 ACTUALS5,00,000 8,00,000 10,00,000 15,00,000 20,00,000 30,00,000 ACTUALS

12,00,000 15,00,000 20,00,000 25,00,000 40,00,000 75,00,000 ACTUALS10,00,000 500000 5,00,000 1800000 - - ACTUALS30,00,000 40,00,000 80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS

10,00,000 15,00,000 18,00,000 25,00,000 75,00,000 2,00,00,000 ACTUALS5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS5,00,000 7,50,000 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS

5,00,000 20,00,000 50,00,000 1,00,00,000 5,00,00,000 ACTUALS50,00,000 1,00,00,000 2,00,00,000 ACTUALS

25000 1,00,000 UNLMTD(BOARD)40% 50% 60% 70% 80% 90% 100%40% 50% 60% 70% 80% 90% 100%

25,00,000 ACTUALS ACTUALS ACTUALS - - -- 50,00,000 - - - - ACTUALS

ACTUALSACTUALS

ACTUALSACTUALS

ACTUALS

15,00,000 ACTUALS

50,000 1,00,000 5,00,000 ACTUALS

25,000 75,000 1,50,000ACTUALS

ACTUALSACTUALS

ACTUALS

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ACTUALS

1,00,000 ACTUALS20,000 50,000 ACTUALS

5,000 10,000 ACTUALSACTUALS

ACTUALSACTUALS

25,000 50,000 2,00,000 10,00,000 50,00,000

10,000 ACTUALS

ACTUALS

ACTUALS20,000

OIC ACTUALS

10,000 20,000

ACTUALSACTUALS

ACTUALS

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ACTUALS

HO- ACTUALS20,000 50,000 ACTUALS

15,000 50,000 ACTUALSACTUALS

ACTUALSACTUALS

10,000 30,000 50,000 ACTUALS3,000 7,500 ACTUALS

ACTUALS50,000 1,00,000 2,00,000 BRD-ACTUALS

10,000 25,000 ACTUALS ACTUALS3,000 ACTUALS

10,000 50,000

15,00,000 50,00,000 BRD1,00,00,00015,00,000 50,00,000 BRD-ACTUALS

50,000 2,00,000 5,00,000 15,00,000

40,000 2,00,000 5,00,000 20,00,0001,50,000 3,00,000 ACTUALS

50,000 1,50,000 5,00,000 10,00,00050,000 1,50,000 5,00,000 15,00,000 BOARD> 15,00,00050,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,00050,000 1,00,000 5,00,000 25,00,000 BOARD >25,00,00050,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,00050,000 1,00,000 5,00,000 ACTUALS50,000 1,00,000 5,00,000 15,00,000 BOARD> 15,00,000

50,000 1,00,000 10,00,000 25,00,000BOARD >25,00,000

NOTE : IN RESPECT OF ALL PACKAGE POLICIES, THE FINANCIAL AUTHORITY IS APPLICABLE AS PER THE DEPT IN WHICH THE CLAIM ARISES.

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NATINSURE MUTUAL BENEFIT SOCIETY LIST OF BENEFITS

BENEFIT BASIS QUANTUM

1 Reimbursement of Cost of Text Books of the Children of the members. Studying in classes :- a) Upto Xth Std./Level 600/- b) Above Xth Std./Level 600/-

2 Award to Children i) Madhyamik/S.S.C or H.S.C./Intermidiate/Equivalent Examination a) On securing above 50% marks 100/-b) On securing above 65% marks 180/- ii) B.A./B.SC./B.Com from recognised University. a) On securing above 50% marks 150 b) On securing above 65% marks 225 iii) Medical/Engineering Degree course: On securing above 60% marks 400/- (Max 400/- per year per member)

3 Relief for Higher Education ( for promising children of the members) On passing with minimum 60% marks in three consecutive years i.e Class VIII, IX & Madhyamik/ S.S.C./ S.S.L.C.( Xth Std.) Examination or class X,XI & H.S.C. (XII th std.) Examination and studying in next higher class :- a) In Arts / Commerce Stream (i.e in class XI or in Degree Course) 500/- b) In Science Stream (i.e in class XI or in Degree Course) 600/- c) Medical / Engineering stream under Degree Course 800/-

4 Reimbursement of I.I.I. Examination Fees. On successfurl completion of the entire/ part of I.I.I. Exam. ACTUALSi.e. Licentiate/ Associateship/ Fellowship

5 Educational Relief to Sub-staff On passing SSC and HSC (10+2) -

200/-( Only once during the service period )

6 Reimbursement of Cost of Educational Equipment for Special Child For the Special Children of the members studying in Special 900/-Institutions e.g. Spastic Society of India etc., having registration under I.T. Act, for the purpose of exemption.

7 Training in Craft & Typing Only fees payable to member/his wife unmarried daughter /

100/-dependent mother

8 Reimbursement of Hospitalisation and Operation Expenses

(Maximum of R.600/-Payable once in an academic year) per year per member in case more than one child is entitled to get the benefit.

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On staying as inpatient the following are the benefits.For Ordinary Diseases/Surgery 2000/-For Maternity Expenses only 1000/- For Dreaded Disease as per list of the Co. 3000/-To and fro AC-2 Tier Rly. Fare for patient Meternity Claim, only the exp. incurred during Hospitalisation, once in life time.For treatment of Dreaded Disease(as

9 Grant for Healthy Sports activities

a) For Representing Country 2500/- b) For Representing State 1000/- c) For Representing District 500/- d) For Representing University 500/-

10 Funeral Grant On death of a Member as funeral expenses 1000/-

11 Retirement Memento For Retired Members as token of good wishes 600/-

12 Supplementary Death Relief Scheme

50,000/-

13 Retirement Benefit Scheme

14 Holiday Home Facility

The 9 holiday homes of NMBS :Puri, Goa, Nainital, Ooty, Hardwar, Gangtok, Varanasi,Panchmar and Mount Abu

Room Rent: For members and their family: Rs. 10/- per day per room. (Minimum Rs.50/- for a period of 5 days booking) For accompanying guests: Rs. 50/- per guest per day.

15 Holiday Home Travelling Fare

16 Holiday home for retired members Retired Members can enjoy NMBS Holiday Homes. There is no provision for reimbursement of travelling fare for visiting holiday homesRoom Rent Rs.50/- per day and max. 250/- per 5 days booking.Security deposit Rs.500/-

Members will have to claim at the first instance from the Co against Exgratia Medical Reimb under Mediclaim /any other sscheme and the residual amount the member can claim from the society.

( Foot-ball, Cricket, Volley/ Basket ball, Badminton,T.T/ Lawn Tennis, Swimming, atheletics etc. ) For members, spouse and their dependent children

Payable to the P.F. nominee/s of the deceased member who is enrolled under this optional scheme on collection of Rs. 5/- per member

Payable to the retired member who is enrolled under this optional scheme on collection of Rs.m2/- per member

13,000/- approx.

Members can apply for booking in prescribed form maximum 90 days in advance for a period of 5 days from 1st to 5th, 6th to 10th, 11th to 15th, 16th to 20th, 21st to 25th and 26th to 30th/31st of every month

To & fro journey rail/bus fare by shortest route from nearest stationto the place of holiday home for membr, spouse, dep. Children and dep parents cost of max four full sleeper 2 nd class rly tickets inc of reserv. Charges. Once in 5 years in a particular place.

Page 15: Employees Benifits

Reimbursement of Cost of Text Books of the Children of the members.

Page 16: Employees Benifits

Room Rent:

Page 17: Employees Benifits

SURVEY AND LEGAL FEE SCHEDULEFIRE AND ENGINEERING SURVEY FEE SCHEDULEASSESSED LOSS SURVEY FEESUp to 50,000/- 8% of assessed loss sub min. 1,250/-50,001 to 1,00,000/- 4,000/- +2% on bal above 50,000/-1,00,000 to 10,00,000/- 5,000/- +1.5% on bal above 1,00,000/-10,00,001 to 25,00,000/- 18,500/- +1.25% on bal above 10,00,000/-25,00,001 to 50,00,000/- 37,250/- +1.00% on balance above 25,00,000/-50,00,001 to 1,00,00,000 62,750/- +0.75% on bal above 50,00,000/-1,00,00,001 to 5,00,00,000/- 1,00,250/- +0.35% on bal above 1,00,00,000/-Above 5,00,00,001/- 2,40,250/- +0.10% on bal above 5 cr min 6 lacs

LOSS OF PROFITASSESSED LOSS SURVEY FEESUpto 5,00,000/- 200% of Material Damage Fees5,00,001 to 10,00,000/- 21,000/- + 150% of fees for Mat. Dam. on bal amt > Rs. 5 lacs10,00,001/- to 1,00,00,000/- 37,125/- +100% of fees for Mat. Dam. On bal amount > Rs. 10 lacsAbove 1 cr. 1,36,625/- +70% of fees for Mat. Dam. Exceeding 1 cr max. 5 lacs

MOTOR SURVEY FEESASSESSED LOSS SURVEY FEESUp to 20,000/- 50020,000 to 50,000/- 75050,000/- to 1 lac 10001 lac to 2 lacs 1500Above 2 lacs 2000/- +0.5% of balance. Max. 3,000/-Misc and Sp Type of Vehicles Scale of Fire and Engg Scales

MARINE CARGO SURVEY FEESCat A Cat B Cat B

Exceeding 5 hrs per day 3,500/- 2,500/- 1,500/-MAXIMUM FEE PAYABLE 35,000/- 25,000/- 15,000/-Not exceeding 5 hrs per day 1,750/- 1,250/- 750/-Claims of Non-delivery/shortages 1,750/- 1,250/- 750/-

MISCELLANEOUS DEPARTMENT

Schedule of fees Scale of Fire & Engg survey feesDoctors Fees for Mediclim and health policies 500

Survey fee for Total Loss Claims 75% OF Fees prescribed for normal claimsValuation of vehicle 500Investigation for OD Claims 500/- + out of pocket expensesReinspection/Spot survey fee 350Reinspection/Spot sur fee above 80 KM 500/-

150% of scale

5% of value realisedPreliminary Survey fee Rs. 3000/-irres of surveyor cadre. Joint Survey Fee 133.33% of schedule

Damage to all types of cargoes

Spot Survey fee involving overnight stay away from normal place of work

S fee for services of salvage handling fee and actual expenses

Page 18: Employees Benifits

Category A 4000/-Category B 3,000/-

Category C 2,000/-

AGM 150% OF Survey FeesGM 200% of the survey fees

HCC Exceeding 200% of survey fees.

CONVEYANCE EXPENSES

Local Conveyance within local MunicipalityA Class cities 300/-Other places 200/-

For trips outside municipal limits

In Own carDistance travelled <350 kmsDistance travelled >350 kms

BY TaxiBy own 2 wheeler To be fixed by the appointing authority

By TrainCategory A surveyors Air (Econo)/AC II TierCategory B and C Surveyors AC II tier

For trips outside municipal limits 15% of litre petrol cost per km sub to min. of Rs. 125/-.Category A surveyors Air (Econo)/AC II TierCategory B and C Surveyors AC II tier

HOTEL CHARGESMaximum Allowable : For stay in ITDC hotel or 3 star AC single room

HALTING ALLOWANCE per dayClass A City 500Class B city 400Class C city 300Period exceeding 12 hours same as for one dayPeriod 6 hours to 12 hours 50% of one day allowancePeriod below 6 hours 30% of one day allowance

Photograph chargesColour photograph 10Digital photograph 15

T P CLAIMS

INVESTIGATORS' FEES 1000/-+conveyance expenses by public transportDL VER FEEDL VER FEE WITHOUT END 300DL ver fee with endts. 400ADVOCATE FEE IN SUITS AND MARINE RECOVERY CASESSuit value fees to be paidUpto 10,000/- 10% of the claim amount10000 to 20,000/- 1000+7% of the claim amount20000 to 50,000/- 1700+5% of the claim amountAbove 50,000/- 3200+2% on the balance claim

ADVOCATE FEE STRUCTURE IN MOPS

Fees payable to the surveyors where assessment of loss not required Appearance in a court/tribunal/ombudsman/consumer forum etc.per day

Additional Fees to be payabvle at the discretion of the Company for special efforts reuired for assessing loss in respect of complicated claim, payment of additional fees is as follows

15% of local litre petrol cost perkmPrior approval of appnt auth requiredPrior approval required. actual taxi fare sub max mileage

allowance as above

Reimbursement on actual basis subject to a maximum

Page 19: Employees Benifits

A CLASS CITIES 6000B CLASS CITIES 5000C CLASS CITIES 4000

For cases of multiple cases arising out of same accidentFirst case 100%For second case 50%Rest of cases 20%

For settlement in LOK ADALATH

Clm settl. After filing WS in court 100% of the feesClm settl. Before filing WS in court 75% of the fees

For legal opinion in respect of TP cases 1000/-

For TP Property Damages (TPPD)Where liability is up to Rs.6000/- 2000/- + actual exp max. 500/-Where liability exceeds Rs.6000/- Fees as oer MACT schedule

WC COURT CASES ADVOCATE FEES 4000/- +EXP MAX 500/-

ADVOCATE FEES- CONSUMER FORUMS

District ForumIn Metros 6000/- inc of exp.Other cities 5000/- inc of exp

State Forum 7500/-+10% clerkage +exp Expenses: for co preferred cases 2000/-

preferred against the co. 1000/-

National Commission (NCDRC)

Petition filed by the Co 15000/- +10% clerkage &act. ExpPetition against the Co. 12000/-+ 10% clerkage+act. Exp.In case of Multiple cases First case 100%Second case 50%Rest of cases 10%

HIGH COURT APPEAL AGAINST MACT AWARDS 7500/-15000/-+10% CLERKAGE & ACT. EXP.Multiple cases First case 100%Second case 50%Rest of cases 10%

GENERAL GUIDELINES

SUPREME COURTAGAINST DECISIONS OF NCDRC &MACT AWARDS

If case is dismissed 50% +25% addnl at discretion of GM/RM

Page 20: Employees Benifits

SURVEYORS ELIGIBILITY AND DO LIMITS FOR APPOINTMENT

SURVEYORS LIMITS OFFICE LIMITS

DEPARTMENT CAT-A CAT-B CAT-C AO

LOP >5000000 <5000000 nil 0

FIRE >2000000 <2000000 500000 125000

ENGG >750000 <750000 200000 20000

MOTOR >200000 <200000 100000 45000

MISC. (OTHERS) >750000 <750000 300000 30000

MARINE CARGO >750000 <750000 300000 100000

MARINE HULL >1000000 <1000000 50000 0

MISC,JB, BB & LIA 10000

PA IN ALL RELATED POL 60000

Page 21: Employees Benifits

SURVEYORS ELIGIBILITY AND DO LIMITS FOR APPOINTMENT

OFFICE LIMITS

AM DY M DCC

1000000 1500000 3000000

1000000 1500000 3000000

1000000 1500000 3000000

200000 300000 500000

150000 300000 500000

700000 1000000 1500000

112500 225000 500000

150000 300000 500000

300000 600000 1000000

Page 22: Employees Benifits

RISK ACCEPTANCE LIMITS

DEPARTMENT B.O. D.O. R.O.FIRE DEPARTMENT

10 CR UNLIMITED

25 CR UNLIMITED

25 CR 100 CR UNLIMITEDLISTED RISKS NIL PML - 20 CR UNLIMITED

1 CR 3 CRCOLD STORAGE RISKS 5 CR 25 CR UNLIMITED

NIL NILPETROCHEMICAL RISKS 10 CR 50 CR UNLIMITED

NUCLEAR POWER STATIONSNIL NIL NIL NIL

NIL 5 CR UNLIMITED

NIL NIL UNLIMITEDENGINEERING DEPARTMENTPROJ INS(SCE/MCE/CAR) 10 CR 50 CR 500 CR

10 CR >10 CR

25 LAC >25 LAC

EEQA) SECTION I & II 10 LAC 1 CR >1 CRB)SECTION III NIL NIL YESC P M 1 CR 10 CR >10 CRDOS(POTAO) INS NIL 50 LAC >50LACDOS EXCEPT POTATO NIL NIL YES

DWELLINGS, OFFICES,HOTELS, SHOPS ETC UNDER SEC. III OF AIFT

GODOWNS AND WAREHOUSES UNDER SECTION VI OF AIFT

INDUSTRIAL AND MNFG. RISKS UNDER SEC IV OF AIFT

COTTON GINNING & PRESSING FACTORY

6 CR SUB CLMS EXP <50%

TIMBER LOGS IN OPEN IN FOREST DEPOTS

UNLIMITED CLMS EXP<80%

CLOP (FIRE)EXCEPT PETROCHEMICAL RISKS

CLOP(FIRE)PETROCHEMICAL RISKS

MACHINERY INS OTHER THAN COLD STORAGE

1 CR-LOCA.& 25

LAC-IND MACHINE

MI REL. TO COLD STORAGE W/O DOS

Page 23: Employees Benifits

BOILER & PRESSURE PLANT

MLOP&BLOP INS NIL NIL PROV ACCEPT.

ALOP INSURANCE NIL NIL NILCECR INSURANCEE NIL NIL PROV ACCEPT.

1 CR 5 CR ACTUALS

1 CR 5 CR ACTUALS

75 LAC 300 LAC ACTUALS

100 LAC 500 LAC ACTUALS

100 LAC 500 LAC

75 LAC 300 LACTEA CROP POLICY ACTUALS ACTUALS

25 LAC 100 LAC ACTUALS

0.10 LAC 2.5 LAC ACTUALS

2.5 LAC 2.5 LAC ACTUALS

NIL NIL NILREJECTION RISKS INSURANCE 2.5 LAC 10 LAC ACTUALS

25 LAC 100LAC ACTUALSSECOND HAND MACHINERY 25 LAC 100 LAC ACTUALS

25 LAC 100 LAC

SINGLE BOILER 50

LAC

ALL OTHERS

MARINE CARGO RISK ACCEPTANCE LIMITS

INLAND TRNASIT POLCIES EXCEPT AS UNDER

SPECIFIED POLICIES OF SHIPMENTS BY APPROVED AND CLASSED VESSELS

SPECIFIED POLICIES OF SHIPMENTS BY NONCLASSED VESSELS

SDP/OPEN POLCIES WITH PER CONEYANCE LIMIT

OPEN POLCIES-IMPORT/EXPORT PER CONVEYANCE LIMIT-APPROVED VESS.

OPEN POLCIES-IMPORT/EXPORT PER CONVEYANCE LIMIT-NONAPPROVED VESS.

DESPATCHES BY SAILING VESSELS

PERSONAL EFFECTS & HOUSEHOLD GOODS FOR WIDER COVER

DESPATCHES BY POST/COURIER SERVICE

UNDESIRABLE RISKS AS PER LIST

CASHEW NUTS, TIMBERLOGS, CHICKPEAS, LENTILS

BULLION/SPECIE, JEWELLERY, DIAMOND

ACTUALS WITH HO RI

SANCTION

Page 24: Employees Benifits

MARINE HULL FISHING VESSELS 10 LAC 30 LAC 100 LACSAILING VESSELS 10 LAC 30 LAC 50 LACINLAND VESSELS GRT<1000T 10 LAC 30 LAC 50 LACBUILDER.S RISK (<100000DWT) NIL 50 LAC 100 LAC

NIL 50 LAC 100 LAC

JETTIES AND PONTOONS 30 LAC 50 LACSHIP BREAKING RISK NIL NIL 200 LACSHIP REPAIRERS, LIABILITY NIL NIL NILCHARTERERS LIABILITY NIL NIL NILOCEAN-GOING VESSEL NIL NIL NILMOTOR AND MISCE. DEPT.ALL RISKS 1 LAC 5 LAC 20 LACBAGGAGE(PERSONAL) 1 LAC 5 LAC 20 LACBANKERS INDEMNITY 5 LAC 1 CR 10 CR

BURGLARY BUS.PREMISES-CASH 5 LAC 1 CR 10 CR-DO- STOCK 50 LAC 10 CR 50 CRCARRIERS LEGAL LIABILITY 3 LAC UNLIMITED

2.50 LAC 10 LAC 25 LACFG-FLOATER POLCIES NIL 2.5LAC 25 LACHORSE INSURANCE 3 LAC 10 LAC UNLIMITEDHOUSEHOLDERS INSURANCE 5 LAC 25 LAC UNLIMITEDJEWELLERS BLOCK 5 LAC 100 LAC 10 CRMONEY/CASH IN SAFE 5 LAC 100 LAC 10 CR

5 LAC 50 LAC 5 CR

PA-IND/GROUP PER PERSON 10 LAC 25 LAC 1 CR

5 LAC 25 LAC 50 LAC PUBLICLIABILITY 5 LAC 100 LAC 10 CRPRODUCT LIABILITY 3 LAC 50 LAC 10 CRPROFESSIONAL INDEMNITY 1 LAC 10 LAC 5 CRSHOP KEEPERS INSURANCE 2 CR 2 CRSP CONTINGENCY POLICY NIL NIL NILTV/VCR 1 LAC 5 LAC UNLIMITEDOTHER MISCELLANEOUS 5 LAC 25 LAC 2 CRAVIATION NIL NIL NILMOTOR VEHICLES 10 LAC 25 LAC UNLIMITED

DREDGERS(FLEET LESS THAN 10 DREDGERS AND TOTAL SI <2CR)

FG-IND/COLLECTIVE PER PERSON

MONEY/CASH IN TRANSIT PER TRANSIT

PA-SHORT PERIOD UPTO 90 DAYS

Page 25: Employees Benifits

RISK ACCEPTANCE LIMITS

H.O.

>6 CR

YES

>500 CR

PROPOSALS CLMS

EXP>80%

Page 26: Employees Benifits

FINAL ACCEPTYES

FINAL ACCEPT.

ACTUALS

Page 27: Employees Benifits

YESYESYES

> 1 CR

YES

YES