Corporate Client & HR Policy — TruCover Wellness

Document Title	Corporate Client & HR Policy
Applicable To	HR administrators and corporate clients subscribed to TruCover Wellness
Last Updated	April 2025
Contact	bd@trucover365.com \| +91 95023 47365

1Introduction

This policy outlines TruCover Wellness's commitments to corporate clients and the responsibilities of HR teams in administering the platform on behalf of their employees. TruCover Wellness is designed to reduce absenteeism, improve employee health outcomes, and simplify group insurance management — all in one platform.

2HR Administrator Responsibilities

Maintain an accurate and up-to-date employee master list on the platform
Initiate employee onboarding within 7 days of a new employee joining
Process employee offboarding promptly to prevent unauthorised platform access
Communicate TruCover Wellness benefits to employees during onboarding
Designate at least one primary HR Admin and one backup admin for platform access
Ensure employees are aware of the 24/7 claims support number: +91 95023 47365

3Employee Data on the Platform

3.1 Data HR Admins Can See

Employee enrolment status and health card activation
Aggregate wellness scores by department (NOT individual health data)
Group claims data — aggregate trends, not individual claim details
Absenteeism and wellness engagement metrics (anonymised at individual level)

3.2 Data HR Admins Cannot See

Individual employee health consultation records or doctor notes
Individual mental wellness assessment responses
Individual claim details (employees manage their own claims)
Individual vitals data (steps, sleep, hydration) — only aggregate reports

This data governance structure is designed to protect employee privacy while giving HR teams the aggregate insights needed to measure the ROI of the wellness programme.

4Wellness Dashboard Features for HR

Feature	Description
Enrolment Tracker	Real-time view of how many employees have activated the platform
Wellness Engagement Report	Monthly summary of platform usage, consultation volumes, health check completions
Absenteeism Correlation	Anonymised data correlating wellness engagement with leave patterns
Claims Summary	Aggregate claims trends — claim types, settlement rates, average turnaround
Policy Renewal Dashboard	Premium, coverage, expiry dates, renewal reminders
Annual Health Check Tracker	Scheduled vs completed health checks by department
Compliance Report	Exportable for board/ESG reporting — wellness programme metrics

5Group Health Insurance Management

TruCover coordinates with your IRDAI-licensed intermediary for policy issuance, endorsements, and renewals
Employee additions and deletions are processed through the platform — HR submits requests, TruCover coordinates with insurer
Mid-term additions are processed within 7 working days
Policy endorsements are documented and accessible in the HR dashboard
Renewal negotiations: TruCover provides claims data analysis to support premium negotiation with the insurer

6Claims Support SLAs

Milestone	Timeline
Claim intimation acknowledgement	Within 2 hours (24/7)
Document checklist provided to employee	Within 4 hours of intimation
Cashless pre-authorisation support	Within 4 hours during business hours
Reimbursement claim submission support	Within 2 business days of receiving all documents
Claim status update to employee	Every 48 hours until resolution
Escalation to insurer (if delayed)	Automatic at Day 7 post submission
HR dashboard claim report update	Real-time / within 24 hours

7Data Security Commitment to HR Teams

All employee health data is stored on SOC2-aligned cloud infrastructure within India
HR admin access is protected by multi-factor authentication
HR admins can only access aggregate, anonymised employee health data — not individual records
Annual security audit reports available to enterprise clients on request
Data Processing Agreement (DPA) executed with all corporate clients as required under DPDP Act, 2023

8Platform Onboarding Timeline

Timeline	Action
Day 1–2	Agreement execution and company profile setup
Day 3–5	Employee master upload and HR admin account activation
Day 5–7	Employee communication kit shared (email templates, posters, WhatsApp messages)
Day 7–10	Platform go-live — employees can start using the wellness app
Day 30	First monthly engagement report shared with HR
Day 90	Quarterly wellness review with TruCover account manager

9Subscription & Billing

Subscription is billed annually based on the number of covered employees
Invoice is raised at the start of each subscription year
Mid-year additions are billed on a pro-rata basis for the remainder of the subscription year
Payment terms: 30 days net from invoice date

10Grievance & Escalation

Issue Type	Contact & SLA
Platform issues & support	bd@trucover365.com — Response within 1 business day
Claims escalation	+91 95023 47365 (24/7)
Billing disputes	bd@trucover365.com — Resolution within 7 business days
Data privacy concerns	bd@trucover365.com — Response within 3 business days
Account management	Dedicated account manager assigned post onboarding