
Insurance benefits
Microsoft’s Medical insurance policy is unique in many ways. First, it is a floater cover, which means that you have the flexibility to spend the entire amount on one person and there is no cap on the amount per person so long as it is within the overall coverage amount. Second, there is no cost sharing on actual expenses incurred (so long as it falls within the policy guidelines).
Click here to view the presentation on the recently concluded webinar on insurance renewal.
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Select the most optimum insurance plan for yourself and your family
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Declare the nomination percentage in case of Term Life and Accident Insurance
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For any queries related to the policy/tool issues, please write to hb.admin@marsh.com
Medical insurance benefits

How it works
Microsoft India pays the full cost of your core benefits, and gives you the added flexibility to buy optional benefits around medical, accident and life / term cover by allocating you 15000 Flex Points per fiscal (where 1 flex Point = 1 ₹). | All employees are allocated the same number of Flex Points. A new employee is awarded Flex Points pro rata from his or her date of joining. | Flex points can be used to top up or buy additional coverage against the benefits available under this plan. | If your insurance-related benefit choices cost less than your Flex points, you can choose to use them to top up your reimbursable benefits. Else, the balance is paid to you as taxable salary. | If your insurance-related benefit choices cost more than your Flex points, the additional amount gets deducted from your salary. |
For further details, please do log in to HR Web.
How to enroll
Log in to BenefitsAsia | Enter your employee ID and password | Verify/edit your dependent's information | Select your benefits and confirm your selection | Existing employees, who do not update their coverage plans in June, will continue to avail their previous year's selection | New employees, who do not update their plan within the defined time frame, will avail of the Default plan | Remember, you will have to wait until the next annual enrollment or there is a qualified life-event change to update your plan |
When to enroll
- Beginning of Fiscal
- Life Events
- New Employee
Each year in June-July, the Flexible Benefits Enrollment Plan will open to allow you to select the benefits that best suit to your current circumstances
The choices made by you would be effective July 1 onwards
Medical insurance plan
At Microsoft, we try to ensure that your insurance coverage can adapt to your changing life requirements. That is why you have the flexibility to choose your Medical Insurance Plan from 11 different options so that you are well covered.
Hospitalization Cover Options under Medical Insurance (Floater cover with no cost sharing on medical expenses)
Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6&7 | Option 8&9 | Option 10* | Option 11* |
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₹ 500K | ₹ 700K | ₹ 500K | ₹ 700K | ₹ 700K | ₹ 700K | ₹ 1000K | ₹ 700K | ₹ 1000K |
EE Only | EE Only | EE + 2P | EE + 2P | EE Only | EE + S/P + 2C + 2P / 2PIL | EE + S/P + 2C + 2P / 2PIL | EE + S/P + 2C + 1P + 1PIL | EE + S/P + 2C + 1P +1PIL |
EE – Employees; S/P – Spouse/Partner; C – Children; P – Parents; PIL – Parents-in-law
*This option can only be selected by employees with one living parent and one living parent in-law
Personal accident and life / term cover
All employees are covered up to two times their annual base salary in the event of a Personal Accident or death. An employee could choose to enhance the coverage amount by using the Flex points up to additional 3 times of their base salary as given in the table below.
Accident insurance
Personal Accident | Core Default Benefit | Option 1 | Option 2 | Option 3 | Spouse Coverage |
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Employee Coverage Amount | 2 x Annual Salary | Additional 1x Annual Salary | Additional 2x Annual Salary | Additional 3x Annual Salary | Upto ₹ 50L |
Life insurance
Core Default Benefit | Option 1 | Option 2 | Option 3 | |
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Employee Coverage Amount | 2 x Annual Salary | Additional 1x Annual Salary | Additional 2x Annual Salary | Additional 3x Annual Salary |
Spouse Coverage | Upto ₹ 1 Crore (In multiples of ₹ 5L) | |||
Critical Illness Coverage | Fixed Sum-insured of ₹ 10L |
Whom can I contact?
click here to view contact information.