Medical Insurance

VMware offers Medical insurance through AIA.

Eligibility

All regular full-time employees below age 60 are eligible to enroll. You may also enroll eligible dependents into Health care insurance from your commencement date at VMware. Eligible dependents include:

Legal spouse below age 60 years
Unmarried dependent children upto age 25 years

Benefits

Maximum Benefit Per Disability	Limit (IDR)
Daily Hospital Room & Board, per person / day – max.120 days / disability	1,200,000
Intensive Care Unit ( ICU ), per person / day – max.30 days / disability	2,400,000
In Hospital Doctor Visit, max. 1 visit per day	600,000
Consultation fee for Specialist per Day	675,000
Operating Theatre Charges Complex Major Intermediate Minor	Cover under Surgeon’s Fee
Anaesthesist’s Fee Complex Major Intermediate Minor	Cover under Surgeon’s fee
Surgeon’ s Fee Complex Major Intermediate Minor	100,000,000 63,750,000 50,000,000 38,000,000
Other Hospital Services	33,000,000
Pre and post specialist consultation, 31 days before and 90 days after discharged from hospital Pre and post diagnostic, x ray, lab test 31 days before and 90 days after discharged from hospital	7,500,000
Emergency Outpatient Treatment due to accident	6,000,000
Emergency Dental Treatment due to accident	4,275,000
Ambulance Fee	750,000
Hospital Cash Plan	1,200,000
Overall Annual Limit per Family Member per Year	300,000,000

Maternity Benefit

Maternity	Limit (IDR)
Normal Maternity, per pregnancy	10,500,000
Caesar Maternity, per pregnancy	18,000,000
Miscarriage, per pregnancy	7,000,000
Pre/Post-Natal, per year	7,000,000

Exclusions

Pre-existing conditions for which the Insured Member received medical treatment diagnosis, consultation or prescribed drugs during the ninety (90) days preceding the member effective date, unless the insured member affected by these conditions has been insured under this Policy continuously for twelve (12) months commencing from the Member Effective Date
Injuries arising directly or indirectly from war, declared or undeclared
Treatments or services which are not consistent with the diagnosis, or not medically necessary, or not medically customary, or not in accordance with good medical practice standards
Cosmetic surgery treatment and/or medication relating to cosmetic such as plastic surgery except for reconstructive plastic surgery due to accidents carried out within thirty (30) days as of the accident.
Routine physical examinations and health check-ups
Communicable diseases requiring isolation or quarantine under the law
Eye refraction, fitting of glasses, contact lenses or hearing aids; gingivitis; any dental or oral care treatment or surgery of any nature whatsoever except procedure necessitated by damage to sound natural teeth as a result of an accidental Injury occurring during the period of insurance
Injuries due to insanity or self-infliction; conditions related to functional disorders of the mind; rest cure or sanitary care (e.g. neurasthenia, anxiety state, anemia); treatment of an optimal nature (E.g. anorexia, indigestion or dyspepsia, constipation, acne); drug addiction or alcoholism
Congenital anomalies; or treatment relating to birth control, sterilization of either sex, treatments pertaining to infertility
All costs arising as a consequence of the donation of body organs and/or blood by the Insured member, but if the Insured Member is the recipient of a donated body organ and/or blood, the cost paid will be the Hospitalization and Surgical Benefits in accordance with the maximum limit received by the Insured Member, but not including the cost for obtaining the body organs and/or the total pre examination cost.
The Company shall not pay the Hospitalization Benefit unless otherwise explicitly provided by a supplementary contract to this Policy, if the condition or treatment upon which the claim is based are due to out-patient, dental care, pregnancy which term shall include resulting childbirth, miscarriage or any complications arising from pregnancy.

Contributions

VMware pays 100% of the premium costs for you and your eligible dependents.

Coverage Begins

You and your eligible dependents are automatically enrolled in the medical insurance plan. Coverage will begin on your first day of active work as a VMware employee.

Making Changes

For existing employees, a qualified life event allows you to make changes to your medical insurance plan, mid-year. A qualified life event may include:

If you experience a qualified life event, you have 30 days from the date of the event to update the information in Workday > Personal Information > Dependents [VMware network access required].