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EMPLOYEE HANDBOOK

PHARMA DIVISION

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Index

Sr.No Particulars Pg. No

1 Welcome Letter 3

2 About Wockhardt 4

3 Joining Formalities 5

4 Work Rule 6

5 Leave Policy 7

6 Employment Cycle 9

7 Field Allowance 10

8 Transfer policy 13

9 Medical reimbursement scheme 15

10 LTA 16

11 Employee referral sceheme 18

12 Marriage gift 20

13 Long Service Award 21

14 Provident Fund 22

15 Gratuity 25

16 Medicalim 26

17 Group Personal Accident 30

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Dear Colleagues,

It gives me immense pleasure to be in touch with you as a part of Wockhardt family.

Wockhardt is committed to quality and unparallel customer service. You as a part of our Wockhardt

family will strengthen our power to provide this more effectively.

We appreciate the talent, qualities, enthusiasm and energy levels that you bring. I am sure this will help us

to become a force to recon with in the market place. We assure you that excellence in the work place will

result in a rewarding career for you

The Employee Handbook has been developed as a general guide to provide you information on key

policies, benefit programmes and other information you will need to know. The

information/Policies/benefits described herein may undergo changes from time to time. All such changes

will be communicated to you.

Our success is built by creative, productive and performing employees who are encouraged to make

suggestions while thinking "out of box." Each one of your contributions is essential to fulfilling our

mission towards our stakeholders. The primary goal of Wockhardt and yours, as one of its employees, is

to personify our Vision “To be the most admired healthcare Group from India”. We can achieve this

through dedication, hard work, commitment and our consistence performance. As often said, one can

dream, create, design and build the most beautiful place in the world…but it requires people to make that

dream a reality.

We look forward to work with you more closely and wish you a successful and rewarding

career with Wockhardt.

With Best Wishes,

Mahendra Bangar,

Vice President - Employee Relations

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ABOUT WOCKHARDT

Wockhardt is a global, pharmaceutical and biotechnology company that has grown by

leveraging two powerful trends impacting the world of medicine i.e. globalisation and

biotechnology.

Wockhardt today, is known for a strong and growing presence in the world’s leading

markets, Europe and the United States. Wockhardt’s market presence covers formulations,

biopharmaceuticals, nutrition products, vaccines and active pharmaceutical ingredients

(APIs).

The company has its corporate headquarter in Mumbai in India, and has

• 15 manufacturing plants in India, UK, Ireland, France and US

• Subsidiaries in US, UK, Ireland and France

• Marketing offices in Africa, Russia, Central and South East Asia.

Wockhardt has been witnessing an amazing growth in Europe. Since 1997, it has acquired

C.P. Pharmaceuticals and Wallis Laboratories in UK, Esparma GmbH in Germany and

Pinewood –Ireland. The recent acquisitions include Negma Laboratories in France and

Morton Grove in USA

Wockhardt India Branded Business has around 1700 field personnel catering to 1,50,000

doctors. An innovative marketing strategies has been evolved which will provide you with

a cutting edge in the highly competitive Indian market.

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SECTION 1: JOINING FORMALITIES

PRE – EMPLOYMENT MEDICAL CHECK-UP

Your employment is subject to your being medically fit to take on the responsibilities

assigned to you. It is therefore mandatory for all selected candidates to undergo pre –

employment medical test before joining. The Zonal Office will co-ordinate for your

medical check – up. Please note that appointment letter will not be issued if your medical

check – up has not been done and report of the same has not been received at the corporate

office. Therefore, please get in touch with HRD department at corporate office or Zonal

office to complete process of your pre-employment medical check up.

BASIC TRAINING PROGRAMME (INDUCTION)

An in-depth Basic Training Program is conducted for all new appointed Territory

Managers to give complete knowledge on the Products, medical, detailing skills, etc by our

in house training managers and medical advisors. Only after successful completion of the

Training program the TM is allowed to go for field work.

SUBMISSION OF DOCUMENTS

Please make sure following documents and forms are forwarded to the Corporate Office

addressed to the respective Marketing Information contact person within 7 days of joining

the company. Submission of following documents is compulsory to complete your personal

file.

1. Application for employment form

2. PF Nomination From / NSS Form

3. PF Transfer Form (Where applicable)

4. Gratuity Nomination Form

5. Medi – claim Form

6. Salary Slip from your previous employer

7. Reliving Letter

8. Photocopies of educational certificates (Starting form 10th Std)

9. 3 Photographs

10. Pan Card Xerox

11. Pre – employment medical check up reports

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SECTION 2: WORK RULE

REPORTING ON INFINITY

Infinity is The Power of Information and is the lifeline of the SALES PROCESS to

Wockhardt. It is the Sales Force Effectiveness tool to empower the field with information

on our customers and brand prescriptions and making use of the information to counter our

competitors and improve productivity.

Infinity has deepened our customer relationships, retain our existing customers, helps in

identifying new customers and increase Sales Force productivity.

It is our constant endeavor to bring forth different types of utility of Infinity viz. Customer

Centric Approach/Tracking of Individual Customer/Streamlining of Processes /

Effectiveness of Promotional Campaign/Market Information.

Note: It is mandatory for all field employees to record their customer contact information

reports in INFINITY only.

Infinity Contact Details

Please feel free to contact at the below mentioned email and tel no. for any help or Query

on Infinity.

Infinity Cell – infinity@wockhardt.com

Contact Nos. – 022 – 67086357/58/60/31

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LEAVE POLICY

TYPES OF LEAVE:

1. Casual Leave 2. Sick Leave 3. Privilege Leave 4. Maternity Leave (Granted to female employees)

Sr.

No

Particulars Causal Leave Sick Leave Privilege Leave

1 Entitlement 7 days per year 5 days per year 25 days per year

2 Eligibility Pro rata credit from

the date of joining

Pro rata credit from

the date of joining

Pro rata credit from date of

joining but you can avail

PL after confirmation and

completion of one year of

service.

3 Accumulation No accumulation 3 Calendar year’s

entitlement

75 days

4 Encashment No Encashment No Encashment No Encashment

4. Combining leave Cannot be combine

with any Leave

Cannot be combined

with any Leave

Cannot be combined with

any Leave

5. Procedure Application through

Infinity

Application through

Infinity

Application through

Infinity

6. Number of days

one can take at a

time

Maximum three days

at a time.

If absence is for 3

days or more, you are

required to submit

certificate from

registered medical

practitioner.

Minimum: 5 days

Frequency: Not more then

twice in a year.

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MATERNITY LEAVE (AS PER MATERNITY ACT 1960)

• Female employees can avail 12 weeks of leave, 6 weeks before delivery and 6

weeks immediately after delivery.

• Female are entitled to the above benefit provided they are in the service of the

company for a minimum period of 12 months.

• This benefit will not be granted if the female employee is already having two

children

MISCARRIAGE

• In case of miscarriage, a Female employee is entitled to 6 weeks leave with pay

from the day of miscarriage. She is required to submit letter in writing with a

certificate from registered medical practitioner.

ILLNESS DURING PREGNANCY (AS DEFINED IN THE MATERNITY ACT

1960)

• For illness arising out of pregnancy, delivery, premature birth or miscarriage, a

Female employee can take extra leave up to a maximum period of one month. A

medical certificate will have to be provided.

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SECTION 3: EMPLOYMENT CYCLE

VISITING CARDS

200 Visiting cards will be issued per requisition. Please ensure that minimum balance is

maintained before sending the requisition. All requisitions must be sent to, Mr. Arvind

Surve (Manager - Marketing services) at corporate office.

DETAILING BAG

Detailing bags is issued once in Three year. Requisition form has to be approved by the

RM / ZSM. Requisitions should be sent to Mr. Arvind Surve at corporate office.

STATIONERY

All printed stationary like Expense Statement pads; Order book, Tour plan pads, etc will be

sent to you by Mr. Arvind Surve to Zonal Office for onward dispatches.

EXPENSE REIMBURSEMENT

All expense should be routed through the Regional Manager / Zonal Office. Your expense

statement must reach H.O. by 11th of the Month from Zonal Office to be paid in the

respective month’s salary. Expenses are paid once in a month together with the Salary. Any

deductions / deviations are clarified through deviation reports which are sent to ZSM with

details. (Refer the attached annexure on expense reimbursement)

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SALARY DISBURSEMENT

Salary is sent to the Zonal Office latest by 27th of the month. It is paid through DD or

Citibank. To open the A/C in Citibank / ICICI bank the employee has to send us the

requisition for the application Form.

IMPREST PAYMENT

On appointment, the Territory Manager will be given an imprest of Rs.2000/- to take care

of his expenses in emergency and the same is recovered from his / her full and final

settlement, on his/her relieving/separation from the company.

POLICY ON FIELD ALLOWANCES

ALLOWANCES – METRO

A. HQ allowances Rs130/- per working day.

B. Ex – Station allowances Rs130/- per working day

C. Out Station Allowance Rs 250/- per Working day

ALLOWANCES – NON METRO

A. HQ Allowances Rs 115/- per Working day

B. Ex – Station Allowances Rs 130/- per Working day

C. Out – Station Allowances Rs 250/- per Working day

MEETING ALLOWANCE

This allowances is provided for expenses incurred during any cycle meeting and official

meeting

1. If accommodation is not provided by the company then,

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Rs 125 per meeting day. Meeting allowance is an additional allowance for

accommodation at meeting stations. The meeting allowances shall be paid, only if

there is overnight stay during the meeting days.

2. If the accommodation is provided at the program venue with all meals by the

company no allowances should be claimed

3. If accommodation is provided in the town by the company then

Headquarter allowance should be charged towards conveyance and miscellaneous

expenses.

SUNDRIES

The objective of the policy is to reimburse the eligible fair and justifiable expenses incurred

while undertaking official work

The maximum limit for Sundries is Rs 1000 / - Per Month, Subject to submission of valid

supporting documents / bills.

Sundries include expenses payable towards written and oral communication and reporting

under the expense heads viz.

1. Postage, Courier, Fax

2. Phone calls (Mobile / STD)

3. Photocopy, stationary

4. Internet usage / Cyber café for Infinity and Emails.

The same shall be claimed on a monthly basis in the expense statement, supported with

valid documents / bills.

OBJECTIVE:

The Purpose of this policy is to structure the entitlements in respect of

1) Travel Fare Eligibility

2) Headquarter, Ex – Station and Out – Station allowances

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3) Other Allowances (Sundries)

The above policy should be interpreted that the intention of the policy is to reimburse the

eligible fair and justifiable expenses incurred during official work.

FARES (Kolkata / Delhi / Chennai / Pune / Ahmedabad / Banglore / Hyderabad /

Jaipur / Chandigarh)

1. Travel fare Rs 1.75 per km upto a distance of 100kms (one way), when the travel is

undertaken outside the headquarter.

2. Second Class / III AC rail fare shall be reimbursed for journey beyond 100kms (one

way)

3. The actual Bus fare shall be reimbursed in absence of train routes for journey

beyond 100KMs (one way)

4. In case of non – availability of ticket / berth / seat of entitled class on specific route,

journey shall be made in the class lower then entitled class.

5. All routes / modes of travel shall be pre – approved by the concerned reporting

authority and must be in line with the business interest of the organization,

convenient for field working, customer coverage and marketing potential (As per

final STP / SFC approved) (Standard Tour Plan / Standard Fare Chart)

FARES (Mumbai)

1. Quarterly 1st class railway pass shall be reimbursed

2. Original Copy of the railway pass shall be required to be submitted alongwith

expense statement.

3. All routes/modes of travel shall be pre-approved by the concerned reporting

authority and must be in line with the business interest of the organization,

convenient for field working, customer coverage and market potential. (As per

STP/SFC approved)

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TRANSFER POLICY

The travel expenses will be reimbursed to all the employees as mentioned below. The

shifting of household expenses will be sanctioned to the people who have been transferred

by the company and not for those who have asked/requested for transfer of their choice.

TRAVEL EXPENSE:

The employee and all family members will be entitled to the travel expense (as per the

grade of the employee).

MODE & CLASS OF TRAVEL

Train II class / Train III AC or Luxury Bus

NOTE:

Travel by any other mode of conveyance not exceeding the fare of the mode of travel

prescribed above for the respective categories is left to the discretion of the individual

concerned as per convenience and time.

Whenever the journey is less then 600kms, all employees should undertake the journey by

the most convenient / economical mode of transportation.

All air journey should begin in the early morning from the operational headquarter and

return to the operational headquarter should be by late evening / night.

EXPENSES FOR HOUSEHOLD SHIFTING:

1. Railway rate per quintal per kilometer will be allowed from the original place to the

place of transfer of all the employees.

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The employees will be categorised as: Bachelor and Married.

Following weight allowance will be given while calculating the luggage fare:

Bachelor – 2 tons and Married – 5 tons

2. Packaging, loading, unloading and insurance charges will be as given below:

Bachelor - Rs1500/-

Supported by bills

Married - Rs3500/-

The amount will be paid within a reasonable range with the approval of the concerned

functional Head / Vice president.

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MEDICAL REIMBURSEMENT SCHEME

Medical reimbursement is applicable to all employees subject to entitlements.

ENTITLEMENT AMOUNT AS PER GRADE

All Territory Managers in FMG and FM1 will be eligible for Medical reimbursement of Rs

6000/- Per Annum (Rs 500 per Month)

• The application needs to be made in the prescribed format available in WIRE along

with the original bills to avail of the benefit.

• Employees can make a claim not more than four times in a Calendar year January to

December.

CLAIM PROCEDURE

• The original bills attached to the relevant format needs to be sent to the finance

department in the corporate office before the 15th of the month.

• The amount will be reimbursed in the salary of the successive month.

ACCUMULATION

The payment of Medical Reimbursement can be accumulated up to three years, excluding

the entitlement for the current calendar year.

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LEAVE TRAVEL ASSISTANCE

ELIGIBILITY

• The employee should be confirmed in the services of the company.

• Leave Travel Assistance (LTA) is a component of pay applicable to all grades subject

to entitlements on calendar year i.e. from1st January to 31

st December.

• The LTA amount will cover travel for the employee, employee's spouse, dependent

children and dependent parents.

PROCEDURE

The LTA claim form is to be filled up by the employee, which is available in the prescribed

format attached along with the employee handbook.

The form has to be then forwarded to corporate office to respective Marketing Information

Service Manager. (Please refer last page for name and contact details)

Employee may avail the entire entitled amount as advance. For availing this, advance form

along with leave application form duly signed by Head of Department needs to be

submitted.

ACCUMULATION

The payment of LTA can be accumulated up to two years, excluding the entitlement for the

current calendar year.

LEAVE

• A minimum of five days of earned leave during the period, for which LTA is being

availed, needs to be taken.

• The LTA granted to an employee would be recoverable if the employee cancels the

Earned Leave for any reason

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PROMOTION

On promotion, employee will be entitled to LTA based on his revised grade on pro - rata

basis depending on the month of promotion in the financial year.

SEPARATION

An employee joining / resigning from the services of the company during the financial year

will be eligible for LTA on a pro - rata basis.

TAX IMPLICATION

If LTA is claimed twice in a block of 4 years, the amount is non-taxable.

TAX EXEMPTION

• Any tax liability on account of LTA will be borne by the employee.

• Employees are advised to submit all the original tickets as they are subject to audit.

• The proof needs to be submitted as part of the annual tax proof submission guidelines

ENTITLEMENT AMOUNT AS PER GRADE

All Territory Managers in FMG and FM1grade will be eligible for Leave Travel Assistance

of Rs 2940/- per annum.(245/- per month)

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PEHCHAAN -EMPLOYEE REFERAL SCHEME:

PURPOSE:

Employee Referral Scheme is developed with the intention of awarding the employees for

their efforts towards recruitment.

POLICY STATEMENT:

This policy is applicable only for those employees who are hired as full time permanent

employees.

Employees shall be paid Rs. 2000 either through cheque or in kind for each employee

being successfully recruited through ‘Pehchaan’ – the referral scheme.

All permanent employees are eligible for the referral bonus except for those in the Human

Resources Department and or any person on the hierarchy level of manger & above in

Wockhardt.

Incentive amount will be paid only when the referred employee completes 90 working days

in the company.

Both referred and referrer should be in employment at the time of availing the incentives.

GUIDLINES:

• Referrals will not be accepted if a resume or application has previously been

submitted directly by the applicant or by an outside agency.

• Mail containing the resume of the applicant should be sent to the Human Resources

Department. This mail should be saved.

• Employee referral form to be duly filled by SM / ZSM and submitted to Human

Resources Department after referred applicant joins.

• Referrals of employees currently employed, as temporary employees will not be

accepted.

Referrer and interviewer cannot be same. In the event of any disputes, all final decisions

will be made by the management. Management reserves the right to modify / alter or

withdraw the scheme at its own discretion.

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PROCESS FLOW FOR PEHCAAN

HR does the final clearance

& attaches the Annexure1

to the personal file

Divisional head approves the

candidates after confirming with

referee. The same will be

forwarded to HR

ZSM approves the candidates and

fill the form ‘Annexure’ 1. The

same will be forwarded to

Divisional Head

RM to interview and if shortlisted

referred to ZSM for interview.

TM (referred through “Pehchaan”)

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MARRIAGE GIFT

ENTITLEMENT:-

Marriage Gift of Rs 2,001/- for all field employees of India Branded Business.

OBJECTIVE :-

One novel way of CONGRATULATING and BLESSING the wedded couple from

Wockhardt – India Branded Business Field Team.

This would be a sort of ‘Good – Luck’ token gift from the company towards happiness and

wellbeing of the wedded couple.

PROCESS:-

All we need to know is about your marriage, and hence Wockhardians getting married shall

send their printed ‘Wedding Card’ to Human Resource department at Corporate Office,

through their Zonal Manager and Divisional head.

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LONG SERVICE AWARDS

OBJECTIVE:

To recognize employees who are associated with the company for a long tenure

AWARD:

The employees who have competed 10, 15, 20 and 25 years of service with the company

are eligible for Long Service Award.

• A wristwatch with citation is presented to the employees who have completed 10 years of

service.

• A silver medal, wristwatch and a citation is presented to the employees who have

completed 15 years of service.

• A Gold medal (5 gms), wristwatch and a citation is presented to the employees who have

completed 20 years of service.

• A Gold medal (10 gms), wristwatch and citation is presented to the employees who have

completed 25 years of service.

• The felicitation shall be done in the month of January and July every year to the

employees who will complete the requisite length of service till the month of December

and June respectively

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SECTION 4: EMPLOYMENT BENEFITS

EMPLOYEES PROVIDENT FUND AND PENSION SCHEME.

OBJECTIVE

To layout the guidelines of the Provident Fund scheme applicable in the company.

SCOPE

All employees of the company from the date of their joining are covered under the

provision of Employee Provident Fund and Pension Scheme.

ENROLLMENT PROCESS

• On joining the services of the company, the employee is required to Submit the

declaration in form 11 and confirm the name of the nominees in Form 2 and

handover the same to the designated authority at Corporate HRD.

• In case of employees who is already covered by the Provident Fund Scheme, and in

case they want to transfer the accumulated Provident Fund to the new account, they

have to furnish form No. 13

Your Provident Fund / Employee Pension Scheme contribution is deposited as under:

The Employer’s Share of 12% is divided & deposited in PF & EPS as per the

breakup given below:

PF EPF Total

Employee’s Share 12% NIL 12%

Employer’s Share 3.67% 8.33% ( Limit

Upto 541/-)

12%

Total 15.67 % 8.33% 24%

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There are four types of pension available to the members of the Pension Scheme:

1. Superannuation Pension: If the member has rendered eligible service of 20

years & retires on attaining the age of 58 years.

2. Retirement Pension: If the member has rendered 20 years of eligible service &

retires or otherwise ceases to be in employment before attaining the age of 58

years.

3. Reduced Pension: If the member has rendered eligible service of 10 years &

more but less than 20 years and age more than 50 years.

4. Widow / Children Pension: In case the member dies while in service & has paid

at least one month.s contribution, his family is eligible for Widow / Child Pension.

OTHER INFORMATION

PF SLIPS

Since, the PF contribution is deposited with the PF Commissioner; the employee will

get annual slips from the PF Authorities confirming the contribution by the employee as

well as by the employer during the year March to February, along with the interest

accrued thereon.

NON-REFUNDABLE LOAN / AN ADVANCE FROM PF

As per the Provident Fund Act, there is a provision for non-refundable loans for defined

purposes, which employees can avail depending as per PF Membership, on submission

of From no.31

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WITHDRAWAL OF PF ON SEPARATION

In case an employee, after separation from the company, wants to withdraw

accumulations lying in the credit of his account, he will have to furnish the form No. 19

and 10-C, along with Form SSN, to the designated authority in the Company who in

turn would submit the same to the PF Authorities

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GRATUITY

OBJECTIVE

To layout the guidelines of the Gratuity scheme applicable in the company

SCOPE

• All Wockhardt Locations in India.

• All employees of the company from the date of their joining are covered under

the provision of Gratuity Scheme

ENTITLEMENT

Gratuity will be payable to an employee on the termination of his employment after

he has rendered continuous service for not less than 5 years on his:

• Retirement

• Resignation

• Death

• Disablement Due To Accident Or Disease

GRATUITY CALCULATION

• Gratuity will be paid as per the provisions of Payment of Gratuity Act. 1972. On

the basis of last drawn basic salary.

• Payment of Gratuity = [(Current Basic Salary + D.A. / 26) * 15 days] * No. of

years of Services.

• The maximum amount of gratuity paid at the rate and subject to eligibility

conditions mentioned herein, shall not exceed an amount equivalent to 20 months

salary or Rs. 3,50,000/- whichever is less.

• The Gratuity of an employee whose services have been terminated for any act,

willful omission or negligence causing damage or loss to or destruction of

property belonging to the employer, shall be forfeited to the extent of the damage

or loss so caused.

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MEDICLAIM

OBJECTIVE:

It has been a continuing endeavor by Wockhardt to provide comprehensive medical

assistance to employees and family (as defined under the policy).

The Company has taken a Medicalim cover to meet the expenses that may have to be

incurred by the employee in the event of hospitalization.

BRIEF OVERVIEW:

1. The Mediclaim policy covers reimbursement of Hospitalization/Domiciliary expenses

for illness / diseases or injury sustained.

2. In case of claim becoming admissible under the policy, the insurer will pay to the

insured person the amount of such expenses falling under different heads mentioned

ahead and which are reasonably and necessarily incurred for the particular treatment,

but not exceeding the sum insured in any one period as insurance.

COVERAGE:

1. Covers hospitalization expenses incurred for illness / diseases or injury sustained

for the family members covered under the policy.

2. Self, spouse two dependent children below 21 years and dependent parents up to

age of 75 years only (Mother and Father).

3. In case of married female employees, her parents and in - laws are not covered

under the policy.

4. The total sum insured under the policy is Rs.1.50 lakh per family on floater basis

and additional Rs.1.50 lakh for certain illnesses like By pass, Cancer treatment,

Knee replacement.

5. The claim will be processed and paid only if the Insurance Company has the family

details of employees.

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PRE / POST HOSPITALISATION :

Pre Hospitalisation: The insured person can claim for reimbursement of

expenses incurred 30 days prior to the date of admission.

Hospitalisation. This is not applicable in case of

Domiciliary Hospitalisation

Post Hospitalisation: An insured person is entitle to reimburse the expenses

Which is incurred up to 60 days of date of discharge from

the hospital.

EXCLUSION:

The Insurance Company will not pay for any expenses incurred in connection or in respect

of the following.

1. Pre-existing diseases at the time of proposing for insurance.

2. Routine eye examination and the cost of glasses and contact lenses and hearing aid.

3. Dental treatment.

4. Charges incurred at hospital or nursing homes primarily for diagnostic X-Ray or

laboratory examination, any other diagnosis and treatment of the positive

existence/presence of sickness or injury.

5. Pregnancy, Childbirth.

6. Expenses on Cataract, Hernia, Piles, Sinusitis in the first year of joining by

employee.

DOMICILIARY HOSPITALIZATION:

1. Medical expenses incurred for a period exceeding 3 days at home will be payable

only in the following cases -

a. The condition of the patient is such that he /she cannot be moved to a

hospital / nursing home.

b. The patient cannot be moved to a hospital/nursing home for want of

accommodation.

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EXCLUSION FOR DOMICILIARY TREATMENT:

1. Asthma & Bronchitis

2. Chronic nephritis and nephritic syndrome.

3. Diabetes mellitus and insidus.

4. Epilepsy.

5. Influenza, cough and cold all psychiatric or psychosomatic.

6. Pyrexia of unknown origin for less than 10 days.

7. Tonsillitis and upper respiratory tract infection including laryngitis and

pharayngitis.

8. Arthritis, gout and rheumatism.

PROCEDURE AND CONDITION FOR PROCESSING OF CLAIMS:

1. The employee must intimate the HR Department in writing within 24 Hrs from the

date of hospitalization / domiciliary hospitalization.

2. The claim should be filed within 60 days from the date of discharge from the

hospital along with all original bills for purchase of medicines, prescriptions,

reports (in original) , discharge/admission card clearly indicating date of admission

and date of discharge, etc.

3. Countersignature must be obtained from the Doctor /Hospital Authorities on any

corrections, overwriting on the bills etc.

4. The claim should be completed in all respects before submitting to the Insurance

Company through your Personnel Dept for processing.

5. The Insurance Company will directly make the payment to the Company, and

company will make the payment to the employee. Company will not be responsible

in any manner in the event of any deductions made from the claim for any reason

including fraudulent claims or supported by fraudulent documents.

6. The Insurance Company is the sole and final authority about the validity of the

entitlement, amount of expenses to be reimbursed and the genuineness of the claim.

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DOCUMENTATION FOR SETTLEMENT OF CLAIM:

1. The employee will send the duly filled in claim form to HR Department (The claim

form available on wire and with local HR Dept.)

2. Hospital Admission/Discharge Card with details of treatment.

3. Hospital Registration Number or Certificate from hospital certifying that they have

operation theatre & 24 hrs medical practitioners available and number of beds.

4. Hospital bills with payment receipt. (Consultant / Surgeon / Anesthetist /Hospital

pertaining to the said treatment).

5. Medical pathology reports with bills/receipt along with the copies of prescriptions

pertaining to the said treatment.

6. Medical bills with prescriptions.

(Note: The above documents required are required in original)

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GROUP PERSONAL ACCIDENT

OBJECTIVE:

Regulations governing Group Personal Accident Insurance

SCOPE:

1. All Wockhardt Locations in India

2. As per the levels mentioned in the scheme below

DETAILS OF POLICY:

1. The scheme has been formulated to meet the unforeseen and unfortunate

circumstances in an employee’s life.

2. The scheme is applicable to all employees who are employed in the Management

Cadre of the Company, excluding those who are covered under the Employee State

Insurance Act, 1948.

3. Under this scheme, compensation will be paid by the Insurance Company through

employer for death or total permanent or partial permanent disablement of an

employee resulting from accident caused by violent and physical means arising out

of an accident or in the course of employee’s occupation or otherwise.

4. If at any time during the currency of the policy, the insured person dies or sustains

any bodily injury soley and directly from accident caused by external, violent and

visible means, the Insurance Company will pay compensation depending upon the

Sum Insured, nature of Disablement / Injury etc. The policy will also cover

reimbursement of Medical Expenses up to 25% of valid claim for treatment arising

out of an accident.

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SUM INSURED:

The sum inured for total / partial permanent disablement is Rs 1 lakh per employee up

to M5 / FM5 level and Rs 2 lakh for M6 and above. For death, the sum insured is Rs.7

lakh up to M5/FM5 and Rs.10 lakh for M6 and above. For staff / trainee, claim is

restricted to Rs. 1 lakh.

COMPENSATION PAYABLE:

Sr

No. Event Compensation Payable

a Death 100% of sum insured

b Loss of 2 Limbs, 2 eyes or 1 limb and 1 eye 100% of sum insured

c Loss of 1 Limb or 1 eye 50% of sum insured

d Permanent Total Disablement 100% of sum insured

e Permanent Partial Disablement Depending on the nature of injury,

compensation will be made

f Temporary Total Disablement Depending on the nature of injury,

compensation will be made

EXCLUSIONS:

1. Intentional self injury, suicide or attempted suicide

2. Accident occurring when the insured is under the influence of intoxicating liquor or

drugs

3. Venereal disease or insanity

4. Breach of law with criminal intent

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CLAIM PROCEDURE:

The HR Department should be informed with 24 Hrs. At the time of submission of the

claim to HR Department, the following documents are essential:

1. Duly completed Accident Claim Form.(Available on wire)

2. Medical Certificate stating nature and course of injury and the depth of injury.

3. Relevant original documents like X-Ray reports and copies of diagnostic reports,

bills and supporting prescriptions and fitness certificate.

4. Employer’s Certificate of Leave specifying the period of leave being sanctioned in

case of accidental injury.

5. In case of accidental death of the person,

a. Post-mortem Examination Report

b. Death Certificate from appointed authority along with completed Claim

Form.

c. If any police papers such as Inquiry Report, Panchnama are available,

the same should also be sent.

DEFINITIONS:

• Permanent Total Disablement

Is permanent and irrecoverable in nature.

In this state, the injured person is totally prevented from engaging in any gainful

employment e.g. loss of sight, physical separation of limbs, paralysis of the body,

etc.

• Permanent Partial Disablement

Is similar like Permanent Disablement with a little difference that the disablement is

not total but only partial e.g., injured person is not solely prevented from engaging

in gainful employment.

• Temporary Total Disablement

Is temporary disablement although it is lasting for some days, weeks or months.

The injured person is cured after certain time lag.