India

Benefit Plan Year:
April 2 - April 1

Group Medical Insurance

Zuora provides all eligible ZEOs in India with group medical insurance coverage of INR 7,00,000 through Magma General Insurance Limited, fully paid by the company.

In addition, ZEOs have the option to enroll in a Voluntary Top-Up Plan for enhanced coverage. This optional plan is available at an additional cost, payable by the employee.

Voluntary Top-Up Plan Coverage

The Voluntary Top-Up is an optional add-on to your base health insurance plan, offering enhanced financial protection. By opting in, you can increase your total coverage by selecting a higher sum insured in exchange for an additional annual premium that you will be responsible for. The premium will be deducted directly through Payroll.

This top-up provides an additional cover of ₹2 lakhs, ₹3lakhs, or ₹5 lakhs, over and above your existing base cover.

Note: Claims under the Voluntary Top-Up will only be triggered once your base sum insured is fully exhausted.

Voluntary Top-Up Sum Annual Premium (with GST)
2 Lakhs INR 16,402
3 Lakhs INR 21,531
5 Lakhs INR 30,761

*Rates for new hires will be prorated based on start date.

Dependent Coverage

ZEOs may also add eligible dependents to their medical insurance plan at no additional cost.

Eligible dependents include:

  • Spouse
  • Up to 4 dependent children (up to 25 years of age)
  • Up to 2 dependent parents or parents-in-law (i.e., either your own parents or your spouse's)

Coverage is available for individuals aged 1 day to 90 years.

Enrollment

The enrollment window for the medical insurance plan will open during the first week of the month following your start date. It will remain open for five days, during which you can enroll yourself and any eligible dependents.

Once you've made your benefit selections, they cannot be changed during the plan year unless you experience a qualifying life event, such as:

  • Marriage
  • Birth of a child

If you experience a qualifying life event, you must notify us and make changes to your coverage within 30 days of the event date.

To initiate a change, please email the ZSP India team at zspindia@zuora.com and include the following information:

  • Employee Name:
  • Employee ID:
  • Name of Newborn/Spouse:
  • Gender:
  • Date of Birth (for child):
  • Date of Birth (for spouse):
  • Date of Marriage (if applicable):

You'll also have an opportunity to review and make updates to your benefits during the annual renewal period in April.

Plan Coverage

Below is a high level overview of what the medical plan covers. For comprehensive details, please refer to the official policy documents found on this site.

Policy Benefit Coverage Details
Pre-existing Diseases Covered
First 30-days Waiting Period No Waiting Period
Standard Hospitalization Covered
Pre & Post Hospitalization Expenses 60 Days Pre & 90 Days Post
Maternity Benefits Covered
Maternity Limits INR 75,000/- for Normal Delivery; INR 100,000/- for C-Section
Pre & Post Natal Expenses INR 5,000/- (within maternity limit; for hospitalization only)
Annual Health Check-Up (for ZEO only) Covered Tests: BP, BMI, CBC, HBA1c, Serum Creatinine, Total Cholesterol, T3, T4, TSH

It is a cashless benefit that can be availed to get the above tests via the Health India TPA Portal under the "Annual Health Check-Ups" tab. No reimbursements allowed.
Advanced Medical Treatments Stem Cell Transplant: Covered with a 50% co-pay
Lasik Surgery: Covered if correction index is +/-6.5D
Cyber Knife Treatment: Covered with a 50% co-pay

Claim Submission

You can avail either the cashless facility or opt for reimbursement of medical expenses.

Claim Intimation & Submission Timelines:

  • Claim Intimation: Must be sent to the TPA within 24 hours of the injury or hospitalization.
  • Claim Submission (Reimbursement): All relevant documents must be submitted to the TPA within 15 days of hospital discharge.

Claim Options

Cashless Facility Reimbursement
  • Available at Network/PPN hospitals.
  • The TPA directly settles eligible expenses with the hospital.
  • No upfront payment or post-treatment billing is required for covered services.
  • Note: Denial of a cashless claim does not imply the treatment is not covered. You may still file for reimbursement.
  • Applicable when treated at a non-network hospital.
  • You will pay hospital expenses upfront.
  • Ensure you inform the TPA in advance and follow the pre-authorization process to qualify for reimbursement.

Cashless Hospitalization - Network List and Contact Details (Health India)

Hospital Network List Phone Address
https://www.healthindiatpa.com/Hospital_Search.aspx 1800 202030 Health India Insurance TPA Services Pvt. Ltd. Address: No-1H/1st Floor | Century Plaza, NO: 560/562, Anna Salai, Teynampet

Chennai- 600018

Help Desk (For Medical Insurance Inquiries)

Name Email Address Contact # Escalation Level
Sathishkumar sathishkumar.v@healthindiatpa.com +91 – 9004 458 492 Level 1
Manikandan manikandan.v@healthindiatpa.com +91 – 7700 995 188 Level 2
Ravishankar ravi.shankar@healthindiatpa.com +91 – 7900 119 544 Level 3 (Escalation)

For additional information about submitting claims, please reference the India Insurance Benefits Manual (beginning on page 17).

OPD Coverage

OPD “Outpatient Department” refers to medical consultations, diagnostics, or treatments that don’t require hospitalization. These are day-to-day medical expenses incurred outside of a hospital stay. Below is an overview of what is covered. Please refer to official plan documents for a complete overview of details, maximums, and exclusions that may apply.

Benefit Coverage Limits (Sum Insured: ₹25,000) Claim Mode
Teleconsultations (General Physician, Specialist, Super Specialist) Unlimited on Visit App Cashless Unlimited on Visit App
In-clinic Doctor Consultation (General Physician, Specialist, Super Specialist) ₹10,000 Cashless + Reimbursement
Prescribed Diagnostics (Pathology & Radiology) ₹25,000 Cashless + Reimbursement
Prescribed Pharmacy ₹10,000 Cashless + Reimbursement
Prescribed Vaccination (WHO approved) ₹15,000 Cashless + Reimbursement
Dental Procedure except cosmetics ₹20,000 Cashless + Reimbursement
Vision ₹20,000 Cashless + Reimbursement

Visit App: Download the Visit App on your mobile device to access a wide range of healthcare services, including online doctor consultations, booking prescribed lab tests and diagnostics, scheduling dental appointments, ordering prescribed medicines, and submitting reimbursement claims for OPD.

For guidance on registering and navigating the app, refer to the OPD Introduction Call and India Insurance Benefits Manual (beginning on page 60). For additional help, contact Visit App Support at +91 99116 68855 or email corporate@visitapp.com.

OPD Resources:

Group Personal Accident Insurance

Zuora provides eligible ZEOs in India with Group Personal Accident Insurance through Magma General Insurance Limited, at no cost. The policy offers financial protection in case of accidental death or disability (temporary or permanent, total or partial).

Coverage Overview: Coverage is available to the ZEO only. Below is a brief overview on benefits under the plan. Please refer to the plan document for complete details.

Basis of Sum Insured: 3x annual base pay

Benefit Coverage
Accidental Death 100% of sum insured
Permanent Total Disability 100% of sum insured
Permanent Partial Disability Up to 100% (based on severity as per insurer's schedule)
Temporary Total Disability 1% of sum insured or INR 5,000/week (whichever is lower), up to 104 weeks
Reparation 2% of sum insured or INR 2500 or actual whichever is less
Dependent Child Education Fund Children education benefit of INR 10,000 per child (restricted 2 children)

Group Term Life Insurance

Zuora provides eligible ZEOs in India with Group Term Life Insurance through ICICI Prudential Life Insurance, at no cost to the employee.

In the unfortunate event of the employee's death, the policy ensures a lump-sum payment is made to the employee's nominated beneficiary.

  • Sum Insured: 3x annual base pay
  • Coverage Details: Eligible ZEOs are covered beginning Day 1 of employment. The death benefit amount paid to the beneficiary is completely tax free.

Relocation Assistance

If you've relocated from another city to work at the Zuora office in Chennai or Bangalore, you may be eligible for relocation support. You can submit your reimbursement claim through Navan (via Okta).

Relocation support includes the following components:

  • Movers and Packers: Zuora will reimburse up to INR 45,000 for expenses related to movers and packers expenses.
  • Travel: Zuora will cover the travel of the ZEO along with his/her family on the actual expense incurred. The travel can be via train or bus or flight (economy-class).
  • Temporary Stay: Zuora will cover the cost of hotel accommodation for up to 15 days for the ZEO and their family during their initial relocation period.

Note:

  • Family members are defined as the spouse, up to four children, and parents (mother and father).
  • Travel and hotel bookings, as well as reimbursement submissions, can be managed through the Navan app.

Documents & Resources