You will receive an email inviting you to enrol in Group Medical coverage from Darwin, Your Benefits Administrator during the annual insurance enrolment period. If you do not log in to the tool and take any action during this period, your previous year’s enrolment will get carried forward and your premium will get deducted within the next two pay cycles.
If you are a new joiner, you will receive an email inviting you to enrol in Group Medical coverage from Darwin, Your Benefits Administrator within a week of your start date. You need to enrol your dependents in your Group Medical Insurance benefit within the first 10 days of your hire. If your same-sex partner is a dependent, you can select "Partners" from the insurance enrolment dropdown menu. You can also select an additional plan to cover your parents-in-law. If you take no action during this period, you will be covered under the INR 5L base plan, but you will not be able to make any changes to your plan or add existing dependents until the start of the next fiscal year. You can enrol your new dependent when you have a life event (marriage/birth or adoption of a child).
When you experience certain life events, such as having a baby or getting married, you will need to enroll your child/spouse as a dependent within 60 days of the date of the event. To do so, visit Darwin, Your Benefits Administrator. Learn more about what actions you need to take in the case of certain life events.
Changing Sum Insured During the Year
You are not allowed to change the sum insured in the course of the year, except in the case of the following two unique scenarios related to getting married, where you need to add your spouse:
- You are not allowed to change the sum insured in the course of the year.
- You are only allowed to change your plan type from Plan A/Plan C to Plan B if you get married.
- If you change from Plan C (employee, parents) to Plan D (employee, spouse, children, parents) and you initially selected the INR 5L Plan, you are allowed to upgrade to the INR 7L Plan.
At no point during the year would you be allowed to reduce the sum insured option. You could either keep it same or enhance it.