Associate Welfare Trust

FAQs – Version 5

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Q1. What is the purpose of formation of Associate Welfare Trust?

The Associate Welfare Trust (‘the Trust’) has been formed by employees of TechM so as to create a corpus of fund
which can be used to provide financial assistance to the members of ‘‘the Trust’’ in case of medical emergencies,
where the medical cost is more than the amount covered by their Insurance policies. A TechM employee based in
India may voluntarily become a member of ‘‘the Trust’’. ‘the Trust’ will be managed by ‘the Trustees who are the
employees of TechM. ‘the Trust’ will be funded by way of monthly contributions from its members. Trustees of ‘the
Trust’ will review and approve the disbursement of the Fund to eligible members; subject to rules and regulations of
‘‘the Trust’’. This is an initiative by employees of the Company and membership is only on voluntary basis.

Q2a. What is the process of registration to become a member of ‘the Trust’?

Unless de-registered on the portal (Portal path - TWINGO>Associate Welfare Trust) by 15 of any month, associates
based in India would be default registered as members. It is recommended that an associate makes this choice at the
time of joining itself. A member can de-register at any point in time later as well.

De-registrations done till 15th of the month would be effective in the same month’s payroll. De- registrations done after
15th of the month would be effective from the next month .There would be no pro-rated deductions. There would be
no refund of AWT deductions which were made before de-registration.

Q2b. Once de-registered, is there any process for re- registration?

Yes, de- registered members can register again in the portal (Portal path - TWINGO> Associate Welfare
Trust).Registrations done till 15th of the month, will be effective from the same month’s payroll. Registrations done
after 15th of the month would be effective from the next month .There would be no pro-rated deductions. The member
would need to pay three months of membership effective date of re-registration for being eligible to apply for benefit
under associate welfare trust.

Q3. Who can be the beneficiaries /member of ‘the Trust’? Is this compulsory/ voluntary?

The Associate Welfare Trust is completely voluntary and is for employees who opt for this (refer Question 2 for more
details). The membership is open to full time & Direct contract employees of the Company working in India.
Beneficiaries mean the Member of ‘the Trust’ and includes dependents who are covered under the Company’s medical
insurance policy. Dependents would mean family members (spouse, two dependent children and parents / parents in-
law ordinarily residing in India as covered under the Company’s medical insurance policy).

Q4. Can an employee who is onsite / not based in India become a member?

No, only full time & Direct contract employees of the Company who is based in India can opt to become a member of
‘the Trust’.

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Q5. If an employee is onsite, but dependent parents are in India and covered under an insurance scheme in
India, can his/her dependent parents be a part of AWT?

No, currently it is for India based employees only.

Q6. Can an employee who is on Sub-Contract, become a member?

No, employees on permanent rolls and direct contract, of the Company only can become a member of ‘the Trust’.

Q7. What is the amount of contribution from members? How will the contributions be made?

Employee based in India can become a member of ‘the Trust’ by paying a onetime membership fee of Rs. 200/- and
a monthly contribution of Rs. 75/- for U1 band, Rs. 150/- for U2, U3, U4 & RG1 bands, Rs. 300 for P1 & P2 bands and
RG2 & E1 & above bands Rs. 500/- per month .

The amounts will be deducted directly from the monthly salaries of the Members.

Q8. Can members contribute more than specified amounts toward the fund?

At the moment the provision is not made.

Q9. Can members transfer the amount directly to ‘the Trust’?

No, this contribution is deducted from member’s monthly salary only.

Q10. What is the benefit after becoming a member?

Members would be eligible for financial assistance towards medical expenses in respect to his/her and dependents
(as covered under the Company’s Medical Insurance Policy), when the expenditure exceeds their respective
Hospitalization Insurance cover limits.

Q11. What is the maximum benefit which can be given to a member?

The financial assistance out of ‘the Trust’ Fund to the beneficiaries would be up-to a maximum amount of Rs.5,00,000/-
(Rupees Five lakhs only) once in a financial year, subject to availability of funds and deduction of applicable income
tax.

Q12. When can the member be eligible for requesting financial assistance from ‘the Trust’?

A member can be eligible for requesting financial assistance from ‘the Trust’ when he/she has paid Members
Contribution continuously for a period of not less than three months and continues to be a Member. He / She has
availed the insurance coverage up to the permissible limits before applying to AWT

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Q13. Who will manage the administration of ‘the Trust’?

‘the Trust’ Fund shall be managed solely by the Trustees Who are nominated members from across the organization.
The Trustees would review every case against the defined AWT guidelines and at their sole and absolute discretion
may grant benefit to cover expenditure out of ‘the Trust’ fund / corpus on hospitalization which otherwise does not
qualify to be covered by the Hospitalization Insurance Scheme of the Company or exceeds the insurance policy limits,
from time to time or any individual medical policies that the concerned employee or his/her dependents maybe be
covered under.

Q14. What is the procedure for submitting application to ‘the Trust’?

Eligible members would need to fill up the attached form (Annexure B) along with supporting documents and forward
the same to AWT@techmahindra.com. For cases where member is unable to do so his/ her colleague / Reporting
Manager can forward the application on his/her behalf. The Trustees would review the documents and at their sole
and absolute discretion may grant benefit to cover expenditure out of ‘the Trust’ fund/ corpus.

List of documents

1. Application form – Annexure B (PDF format)

2. Associate declaration from – Annexure C (PDF format)
3. AWT Excel Sheet
4. Discharge Summary, final bill and detailed bill with paid receipts from hospital (PDF format, in one file)
5. Mediassist settlement form (PDF format)

Q15. Will there be any intimation of approval / rejection of claim? How will the claims be disbursed?

An email would be sent to the member with the decision. In case of approval, the amount would be paid to the member’s
bank account. In case the claim is denied, an email would be sent to the member quoting the reason for denial of the
claim.

Q16. Will the monthly deduction be considered under 80 G Tax benefit?

No, the monthly deduction will not be considered under 80 G Tax benefits.

Q17. Is the approved claim amount taxable?

Yes, and the tax liability, if any, on the approved amount will be borne by the respective member.

Q18. Are incidental expenses covered as part of AWT financial assistance?

Given the multiple demands on the corpus, ‘the Trust’ will prioritize the payments and criticality will be one of the criteria
for this. Incidental expenses from hospitalization, etc. will be given a lesser priority in this context and may not be
covered.

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Q19. Some types of illness have caps in the insurance scheme. Would AWT provide financial assistance for
these, beyond the insurance cap?

The primary objective of ‘the Trust’ is to support members in times of unforeseen expenses arising out of medical
situations beyond insurance coverage once all insurance amount is exhausted. The Trustees would review such cases
on case-to-case as ‘the Trust’ would prioritize payments based on the criticality and financial need of the member,
irrespective of whether the concerned illness have been covered or not or capped under company medical insurance
policies.

Q20. Is there a linkage between the Company Medical insurance and AWT? Can a member raise a request for
financial assistance without touching his/her medical insurance?

‘The Trust’ has been formed to provide financial assistance to the members of ‘the Trust’ in case of medical
emergencies where the medical cost is more than the amount covered by their Insurance policies. ‘The Trust’
funds can be claimed only on exhausting the Mediclaim / company medical insurance. The facility is being provided
more as a ‘last resort’ support – when other options to pay for the medical expenses are exhausted.

Q21. Where would the corpus fund be held? What will be the controls?

The funds collected will be kept in the name of ‘the Trust’ at Bank accounts. They will be maintained and audited as
per government laws and regulations as applicable to any Trust.

Q22. How would ‘the Trust’ ensure authenticity of claims? What are the criterion for approving requests?

Due diligence would be done by the team, including checking with the insurance team. Criticality of the case and
availability of funds are some of the criterion.

Q23. In what circumstances, will membership be cancelled?

Membership to ‘the Trust’ would stand automatically canceled, in the event of

 termination of employment for any reason

 unauthorized absence from work leading to striking off the name of the member as an employee
 relocation / deputation/ transfer / secondment to any location outside India.
 or when AWT members de-registers themselves from AWT

There would be no refund of the membership amount and subscription amount once deducted

Q24. What is the process of withdrawing membership / De-registering from ‘the Trust’?

Members can de-register/withdraw from ‘the Trust’ membership by logging in the portal (TWINGO> Associate Welfare
Trust ) and applying for de-registration while continuing in the service of the Company. The member would have to

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refund all the monies, if any, received by them from ‘the Trust’, in the last three years from the date of application.
Refer to Question 2 for more details

Q25. I am a member of ‘the Trust’ , however went onsite for a period of 2 yrs, now I am back in India, will I have
to pay the one-time membership once again to become a member?

No, if you had already paid the one-time membership you will not be required to repay the one time membership fee
again. However, a monthly contribution of Rs. 75/- for U band and Rs. 150/- per month for P band above would be
payable once you are back in India.

Q26. Can claims be submitted if an employee is on notice period?

Yes, members can submit claims until the last working day of his employment.

Q27. What happens to the funds / corpus if the AWT initiative is dissolved due to unforeseen reasons?

The Trustees shall donate and transfer the then remaining Trust fund to another Trust(s) having similar objective.

Q28 What is the email ID for handling queries? Is there a grievance redress mechanism, if a member feels
that their claim was rejected/ dealt unfairly?
Please write to AWT@techmahindra.com for any queries and grievances on AWT.

Q29. What documents are to be submitted if request for help is approved?

All original bills, reports and AWT documents are to be submitted to process the approved amount (please refer Q14)

Q30. Are associates and their dependents under ESIC covered?

All employees of Tech Mahindra Limited in India who are covered by the Employees State Insurance Scheme under
the Employees State Insurance Act, 1948 shall also be entitled to become members under Associate Welfare Trust
and subject to the fulfillment of criteria under Associate Welfare Trust, they shall be entitled to benefits under the
Associate Welfare Trust. However, it is clarified that such employees covered under the Employees State Insurance
Scheme shall be entitled to claim any medical benefits for their dependent parents who are covered under the
Employees State Insurance Scheme.

Q31. What are the exclusions from AWT

 Dental claims
 Fertility / Surrogacy related
 Cosmetic & Bariatric Surgery
 Wellness/ Fitness related charges
 Vaccination Charges
 Medical Bills outside Hospitalization
 Unconventional methods of treatment, whose efficacy is not proven and hence not covered by
Insurance
 Any claim backdated beyond 2 months of hospitalization

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  Insurance Copayment charges
 Pre & Post hospitalization
 Any incidental expenses
 Reimbursement of Incidental Medical bills without hospitalization
 Reimbursement of Lab tests conducted at external labs or as Out Patient without hospitalization
 Expenses related to nursing / rehabilitation without hospitalization
 Expenses incurred post mortem, including handling and movement of body.
 Any treatment other than Allopathy (Like Unani, Ayurveda , Homeopathy, etc.)
 Ambulance Charges

Q32 a. For how many days can associate apply for help for COVID 19 - Home Quarantine treatment?

14 days from the date of COVID positive report for home quarantine treatment

Q32 b. I am a member of ‘the Trust’ I or my family member(s) were diagnosed with COVID19 and were given
home treatment, can I claim this amount through AWT?

Yes you can claim this amount. Eligible members would need to fill up the attached form (Annexure B) along with
supporting documents and forward the same to AWT@techmahindra.com. For cases where member is unable to do
so his/ her colleague / Reporting Manager can forward the application on his/her behalf. The Trustees would review
the documents and at their sole and absolute discretion may grant benefit to cover expenditure out of ‘the Trust’ fund/
corpus.

Effective from 1st April, 2021 onwards

List of documents

1. Application form – Annexure B (PDF format)

2. Associate declaration from – Annexure C (PDF format)
3. AWT Excel Sheet
4. COVID Test report
5. Certificate from doctor advising home treatment depending on the severity of the condition or due to non
availability of beds in hospital
6. Doctor’s prescription for medicine, investigation reports
7. Medicine bills, Investigation bills and investigation reports.
8. Mediassist settlement form (PDF format)

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Annexure B (Application form)
To Trustees, Associate Welfare Trust Date:__________________

Dear Trustees,
Application for request of financial assistance towards medical expenses in respect of hospitalization for
______________________________________________ (name).

Associate Name GID & Band

Location Contact No.

Name of Hospitalized Relationship with

Person associate:

Ailment Hospital Name

Date of Admission Date of Discharge

Medical Expense & Insurance Details: Amount Bill no. & Date

Total Cost due to Hospitalization

Total Other Costs – Pre & Post Hospitalization

(not Reimbursable)

Total Paid by Insurance (TechM & Personal, if any)

Co- Pay Paid by Associate (not Reimbursable)

Amount Applied for from AWT (exclude Co-Pay)

The above information provided by me is correct. I hereby confirm that I have exhausted my medical insurance balance of
Tech Mahindra & personal insurance and also confirm that I am not applying for reimbursement of Insurance Co-Pay. I
understand that my application will be rejected if the amount applied for includes the amount paid towards Insurance Co-Pay

Signature : Location :
Name of associate : GID of the associate :

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Annexure C

DECLARATION
To
Associate Welfare Trust,
Hyderabad

I, _________________ aged about _______ years______ ID No. ________ residing at

_________________________________________________________ am working in Tech Mahindra
Limited as _________________________________.

I do hereby solemnly affirm and declare that the amount received by me as financial assistance for
mitigating the expenses incurred by me on my medical treatment in my capacity as a member of Associate
Welfare Trust would be disclosed and offered to tax in the computation of my income and returned
accordingly for the A.Y. 2020-21 . The income tax liability that would be computed on the basis of the said
the income returned for the said year shall be entirely on my account and would be my responsibility to
discharge and pay the income tax thereon as applicable.

I hereby declare that what is stated above is true and correct to the best of knowledge and belief. Any
Income Tax amount found to be due and unpaid due to wrong declaration will be my sole responsibility.

(Signature)

Full Name :

ID Number :

PAN Number :

Mobile Number :

Date :

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