Medibuddy Domiciliary Reimbursement Full Process

Medibuddy Domi Reimbursement Full Process Explained for TCS, IBM and Wipro Employees.
Medibuddy TCS 6000 Rs | Cashless Medicine, Pharmacy Items Non guaranteed- • Medibuddy TCS 6000 | C...
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A Guide to Raise Domiciliary Claims
Domiciliary treatment covers all illnesses (subject to policy terms and conditions) that do not require hospitalization. These
include treatments taken either from a physician or at the OPD in a hospital.
Steps to Raise Domiciliary Claims:
1. Log into MediBuddy. Select ‘Domiciliary Claims’ under Claims tab and enter the details of your
treatment. This includes Beneficiary Details, Claim Details, and declaration of claim submission.
2. Select the ‘Bill Type’ under the ‘Add bill’ section and fill in the below details. You also have an option to add multiple bills if required:
(A. Doctor Prescription: Registration number and Clinic address details are mandatory. B. Pharma bills: Location and GST/ DL details are
mandatory. C. Investigation bills: Bill number and Address details are mandatory. D. Dental related bills: Clinic name and Doctor details are mandatory)
3. Scan and upload your documents online for faster processing of your claim. Retain the original documents / photocopies for your reference. Submit / courier all hard copies of original documents along with the claim form to the address specified in the contact matrix
Claim Form
Duly filled and signed claim form as generated through the portal. Staple the claim form along with supporting documents. In case of multiple claims, staple them separately.
Hospital Bills and Receipts
1. Original pre-numbered bills/receipts from the doctor’s official receipt book that must mandatorily include pre-printed doctor’s
information, contact details and receipt number. Doctor consultation bills on their letterheads are not acceptable even though it
is stamped.
2. All original investigations bills and reports along with doctor’s advice / prescription (wherever applicable) pertaining to the
ailment/treatment.
3. Original medical bills or receipts along with prescriptions for the medicines purchased from authentic / licensed pharmacies and
bills should mandatorily carry a GSTIN and DL number.
4. Doctor’s prescription should carry following information:
Beneficiary details.
Disease name (diagnosis) and duration.
Doctor registration number, clinic / hospital address and contact details.
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#worldsbestinsurance
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#insurance
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#post
#hospitalized
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#corporate
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[@nationfirst640]

Thank you

[@AiredTech]

Glad that you liked it

[@manojgavandepatil8449]

👍👍

[@AiredTech]

Thank you sir, keep ordering from medibuddy

[@vamsi6421]

What to upload in Check Leaf?

[@mohammedthaahaa9851]

Hi bro. Is there any way to cancel my health insurance policy. I have not claimed any thing simply my money is being detected from my salary and i don't want this insurance policy how can I stop it bro

[@ganeshkasu8630]

my mother treatment was done on 11/05/22 the cost 16k can apply for it in hospitalization remibusment ..... before that can i intimate to hr or supervisor to for claim the bills

[@samyukthabhuvi7018]

What is prenumbered cash paid receipt

[@Manojsuba]

Who is eligible for medi buddy. I am tcs employee. I have loged into medi buddy with my tcs mail id. The balance showed zero. Plz tell me. What I have to do . I am band 1.

[@rashmihs4651]

Status -itz showing claim repudiated, And the treatment taken towards refractive error/routine chcekup is not admissable under policy terms and condition. I had to claim for my eye checkup can u please rply?

[@Pj_world246]

How to upload missed documents after submission of claim

[@harshadevi982]

Hi, My Father uses medicines every month We are not having prescriptions right now.Can there be any possibility to claim with only medical bills

[@syamajit4610]

How to claim dental surgery in medibuddy

[@thetiredsoulspoetry336]

Hello, every medicine doesn't has prescription. If I have ordered from pharmeasy the medical products of my use and upload bill will it be reimbursed?

[@AiredTech]

Yes, they will reimburse the amount you must upload the prescription while filling the claim

[@sayandeysarkar3354]

Please also make a video on what to do with the form that gets downloaded at last after all processes completion...Also what should we do for covid vaccination reimbursements, and how to upload check leaf...Three queries

[@gowthamana6633]

Meddibuddy claim available for parents treatments? I am not have health insurance for my parents. Is possible to claim Meddibuddy claim for parents treatment

[@dhanushkusumanchi4683]

Can we claim the CT scan report from outside the TCS network hospitals?

[@AiredTech]

Yes, you can

[@mansoorelahisk1084]

Can claim for laser treatment

[@shaikafshana8296]

Hi bro

[@AiredTech]

Hello, What's up?

[@Preethis-g6l]

I n last page n address coloum it's showing something went wrong so I'm unable to submit.. What to do for this?? Pls help

[@Harshad_5151]

If we claim in opd.. Then opd expenses are debited from domiciliary wallet i.e from 6k????

[@AiredTech]

Yes, they are But before claiming just check the PDF file. We can share it with you. Send an email to us [e-mail]

[@altamashalishaikh1612]

For my claim its showing processed ready for payment from past 1 week what does it means.?

[@tamil_ponnu_alaparigal2684]

Hi domi reimbursement page is not working I tried to clicked that domi reimbursement option but it doesn't move to another page I can't see any other page

[@AiredTech]

Yes, there was this issue, but now it has been solved

[@karthik7055]

I have taken a scanning and blood test and other tests should I claim these bills under domi reimbursement or OPD services

[@yashmanglani6449]

How did you claim??

[@Ashish--Bisht]

I have stomachache and I have to go for ultrasound for abdomen and pelvis area. Can the money spend on it can be claimed?

[@saketkumar9019]

Please can you explain about CLAIM FORM .

[@AiredTech]

Which claim form?

[@malakrishnamurthi1078]

In my laptop here its not showing bank details

[@ritwikthakur06]

I have taken a diagonostic test, where and how can I take the claim in this TCS HIS portal? do we get the claim on this?

[@sravanthim1041]

Did you get claim on diagnostic test?

[@divakar9273]

Hi My Query is that the hospital/clinic name and address is not showing in the claim form even I have manually typed the hospital/ clinic name and address.please advice on this.

[@shreedharchavan115]

Yes You can..!

[@sravanthim1041]

Can we claim domiciliary reimbursement if we did self general checkup without doctor prescription?

[@AiredTech]

Not able to infer what you mean by this General check up?

[@karthik7055]

Can I claim doctor consultation medicial and scanning bills under OPD in medibuddy app if i claim it that amount will be added to the medibuddy wallet or to my bank account directly

[@AiredTech]

It will be added to your bank account

[@burningice3998]

for collecting the reimbursement amount shall we need a different account or the salary account is ok?

[@AiredTech]

No, You have to enter the account credentials for the reimbursement, you can use your salary account as well

[@burningice3998]

@@AiredTech okay thank u buddy

[@surajprabhu4296]

Is Doctor prescription mandatory if we have Pharma Bill and only want to reimburse Pharma bill amout?

[@shaktichavan625]

What can I do, my claim is repudiated due to non-availability of diagnosis and treatment plan. In doctor prescription? I uploaded all d documents (file) which has been provided by hospital. Plz advise.

[@lakshminancharlureddy4327]

Hey hi.... upload again....

[@rishabhdhumal]

Informative 👍👍

[@AiredTech]

Thanks ✌️

[@gopikasnair2813]

Hi.. I had a dental consultation. I uploaded the consultation bill for reimbursement, but it was rejected by Medibuddy. How to make it work??? Help please.

[@syamajit4610]

Where should we upload bills

[@shoppingexecutive]

what if you don't have cancelled cheque?

[@sigmamale808]

That is required, if not then you can also upload the passbook page with all the details attested by the Bank manager sign and stamp

[@bharatsharma8443]

Hii i have done medibuddy consultation and they suggest me a ct scan can i claimes ct scan cost that has been spend by me ?

[@vamshidharreddy2573]

My mother had a dental doctor's treatment and treatment is done. Doctor prescribed medicines. Can I claim the doctor's treatment costs and prescribed medicines costs in Medibuddy? I have all the bills with me which are in my mother's name.

[@AiredTech]

You can claim it 100% if you have taken medical insurance for your parents from TCS. You can follow the same process- For Dental Procedures 1. Bills or receipts for expenses incurred for extraction, fillings, medicines, consultants’ fees, and X-rays. Apart from the mentioned treatments, no other treatments are payable under Domiciliary dental coverage. 2. X-ray film (pre / post treatment ) and day-to-day case summary in the case of a root canal or other dental treatment wherein multiple visits or sittings are being carried out. Log into MediBuddy. Select ‘Domiciliary Claims’ under Claims tab and enter the details of your treatment. This includes Beneficiary Details, Claim Details, and declaration of claim submission. Select the ‘Bill Type’ under the ‘Add bill’ section and fill in the below details. You also have an option to add multiple bills if required. A. Doctor Prescription: Registration number and Clinic address details are mandatory. B. Pharma bills: Location and GST/ DL details are mandatory. C. Investigation bills: Bill number and Address details are mandatory. D. Dental related bills: Clinic name and Doctor details are mandatory. Scan and upload your documents online for faster processing of your claim. Retain the original documents / photocopies for your reference.

[@vamshidharreddy2573]

@@AiredTech thankyou so much for your valuable info.

[@khushisisodiya2010]

@@vamshidharreddy2573 hyy did you get your cost of dental expenses

[@roshnigupta220]

networked hospital se treatment karana zaruri hai ya kisi bhi hospital bill ka claim milta hai ?

[@AiredTech]

Any hospital bills will be allowed, but it should not be genuine & real, because there are a lot of cases where people have submitted fake documents and other claims

[@AiredTech]

Better to go for hospitals that are linked with Medibuddy for cashless

[@sairamaraju6652]

Does money credit immediately or else it's added along with salary at month ends

[@AiredTech]

Hello Sairamraju The money is credited to your bank account within 4-5 days max and not with your salary

[@swatijaiswal7440]

Can we claim for the dental crown treatment (tooth caping)??? Is it included ?? Or only filling & root canal is included ??

[@shreedharchavan115]

Not caping and Cleaning only filling and Root canal aslo Dr. Fees is claimed

[@yashvanthbalaji359]

​@@shreedharchavan115 I heard that for dental the limit is 6k. If the root canal treatment is 9k, then can we get 6k or it will be rejected?

[@karthik7055]

Blood and urine and scanning medicine and doctor consultation fee under which should I claim it is it under Domi reimbursement or OPD services

[@AiredTech]

Domi reimbursement

[@soumyamandal9273]

My domiciliary balance is almost over & i need to claim some more things like medicine bills, opd consultation bill etc. can i claim that or not please tell?

[@blaze6648]

Can we claim money for medicine that i bought from medibuddy (not cashless) ?

[@sunainaswain3704]

Hi , I am unable to add bNl details.

[@maxbook5045]

Can we claim for dental braces treatment..it cost nearly 23000rs? If It is not in the tcs networked hospitals?Please reply sir.

[@AiredTech]

If that comes under cosmetics then no, you cannot claim for braces, for tooth removal or surgery you can. But you should give it a try and discuss with the his team in advance to avoid any miscommunication

[@maheshh6179]

What is check leaf cancelled? U mentioned upload that ,where it is?

[@AiredTech]

Cheque leaf is the cheque book page

[@jayanthsamudrala2568]

Hello Aired Tech, can I claim domiciliary reimbursement or insurance for teeth braces (clips)?

[@AiredTech]

Please email us on [e-mail] and we'll share the document regarding the HIS with you

[@ashutoshkumar2214]

Will you get the reimbursement?

[@vinavenkateswara.kalikiri.5091]

Hi bro,I did not add my father in HIS , but recently me and my father met a small accident is there any possibility to claim domiciliary bills for my father

[@sreenavya8296]

Hi am not able to find domni reimbursement under claims tab ...what to do ?

[@AiredTech]

Please email the medibuddy team and attach the screenshot of the drop down.

[@bhaskarsai8749]

@will ear problems include in it?

[@AiredTech]

Yes, It would probably include this, unless it is a cosmetic related part

[@chandrujayabal1039]

I don't have insurance in tcs, I had a fracture on my leg, if I apply to the claim, would I get the claim amount???

[@AiredTech]

You must have an insurance, that is given by TCS

[@maanasaankaraju9040]

If the hospitalization is less than 24hrs, as it was just doctor consultation, can we still claim the medical bills?

[@AiredTech]

Hello Maanasa, The process for Domi claim that was shown in this video is for general consultation with the doctor. Yes you can use the same process to claim the bills

[@AiredTech]

Yes, you can claim that

[@PSMCA_Preethambp]

@@AiredTech but this will be get back Money only below 6000 Rs right ?

[@suprajasingarapu2683]

I got the offer letter but joining is next week can I claim health insurance to my father after i joined with bills

[@AiredTech]

No, you'll not be able to do that

[@rohitsadhukhan7168]

Hi, Thanks for the informative video. Please tell me in how many days the claim get settled?

[@AiredTech]

Hi Rohit, Thanks. It takes max a week to get the claims settled in your Bank Account

[@AnandKumar-td8os]

After joining tcs , after how many days we can claim accident bills or consultant charges??

[@AiredTech]

Once your HIS policy is activated you can start claiming the bills and consultation charges.

[@AiredTech]

You can search health insurance on the Ultimatix and it will take you to medibuddy website, go on the policy and check the details

[@Diywithsreelu]

Hi bro,I have applied claim with checkleaf, pharmacy bill also ,my claim got denied ,can u please tell me how to check the reason for dening?....and can I use same check leaf for two claims ?...can I apply again for the same claim if got denied once?

[@AiredTech]

Please check your tcs email, you might have already got an email for rejection of claim with the reason

[@Diywithsreelu]

@@AiredTechyah I received this afternoon, thq for the reply brother .It is so helpful.Thankyou so much & All the best for your KZbin channel work 👍👍

[@aniketplay01889]

Can we claim for the fungel infection or skin diseases ? Please reply

[@AiredTech]

Yes, you can

[@Joyh3192]

Can we claim for teeth braces

[@sonupritam4354]

What is check leaf...? What to upload in the check leaf section. Plz guide anyone.

[@AiredTech]

Check slip means you Bank Check slip with cancelled written on it

[@AiredTech]

You can search on google cancelled cheque*

[@balalee9329]

@@AiredTech means we can upload any cancelled check images that available in Google?

[@psushma6288]

While filling HIS portal for claim April month dates are not getting what to do bro ?

[@jagdishpatidar6782]

Have you received april month approval money. I claim for both march and april month but march month Claim is approved but for the april month it show like current financial bill not payable.

[@mayurvyawahare20]

Hello sir, I have done dental Root Canal Procedure which costs above Rs. 6000 Where should I claim the money in Domi Reimbursement or Hospitalisation Reimbursement?

[@ashutoshkumar2214]

Is you get the reimbursement?

[@s.pandimeena8141]

Domiciliary

[@asheenatanvi7020]

After applying for claim do we need to courier our original hardcopies ?

[@AiredTech]

You're talking about the Domi claim or hospitalization claims, you have to upload all the documents, I guess on the medibuddy portal

[@divyasuryawanshi4300]

Hi, Can we claim twice for the same illness? In my case it is a muscular pain but it doesn't require any xray. And when I tried to submit it is saying 'xray is required if treatment is more than 10 days'. Since physiotherapy was suggested to me by doctor after a week, so treatment is obviously more than 10 days'. So can I claim twice? 1. For consultation 2. Consultation+ physiotherapy

[@DeepakSingh-uz9ri]

Hi brother, really informative video. Can we reimburse the protien supplement after Doctor's prescription from this??

[@AiredTech]

If it is mentioned by the doctor then yes, you can claim for it

[@vaibhavb9472]

Which doctor give protein prescription, and for what,i also need it

[@user-fz1cj8rh6k]

1:00 Which mail ID should I give there TCS mail ID or my personal gmail ID?

[@AiredTech]

Anyone would suffice the need

[@mandalageetarani9562]

I have uploaded the documents without doctor prescription so they declined my cliam .. is there a chance to cliam again what you have explained that process .. is there chance to that process again..

[@AiredTech]

You can get the claim if you attach all the documents that they require, including the prescription

[@MinniHeart]

How to claim lal path lab test money it doesn't have gst number?? Please suggest

[@AiredTech]

You can use the same process, don't enter the GST no. If that is not supported then call them and ask for gst no! If they are running a business Dr Lal Path labs must have a gst no

[@oamsaipolimera8624]

my parents are not added in HIS can i upload my parents bills

[@AiredTech]

You can try that, because in some cases they have accepted the orders

[@omkarwarvid9558]

What if we have doctor consultation bill ?? Will i claim for that?? If yes .. then which bill number we need to put?? As in doctor consultation there will be no GST number or DL number available..

[@AiredTech]

You can definitely claim the doctors consultation bill, you can enter the invoice no in place of bill no

[@AiredTech]

The receipt from doctor must have invoice no right?

[@bhavabhavs9140]

Hii sir, I hv a doubt, i was joined in tcs 24 Feb 22, till now I am not allocated into project, can I claim For dental treatment... Please give me reply...

[@sanafatma24]

Yes you can it's not related to allocation. One who has registered for HIS can avail insurance services and claim the amounts under the health insurance scheme

[@karthik7055]

What is meant by cancelled cheque how to do it

[@AiredTech]

Cheque from the booklet, you have to. Write cancelled over it

[@samyukthabhuvi7018]

Original numbered payment bill from hospital i submited receipt but they are asking this Id nt knw pls help

[@AiredTech]

Please get the final bill from. The hospital and then share that, you usually get the final bill after discharge from the hospital, so they are asking for that

[@AjayVerma-ve1od]

Thank you Sir

[@AiredTech]

Most welcome

[@mohanalingamp3178]

How many days it will take to get that domiciliary rembursement claim amount?

[@AiredTech]

It takes about a week after you claim is approved to get the claim settled into your bank account

[@nagukumar6971]

I have not cancellation check leaf what can I do now

[@AiredTech]

You can upload your passbook front page picture it should be attested by back manager with stamp

[@triparnapal8847]

Without any doctor prescription is it possible to claim the lab test charges...if yes then how can I claim this

[@AiredTech]

No Prescription is mandatory, without that it is not possible. You can book an online appointment with Medibuddy doctors easily

[@vishakhagajare1125]

Hii...can I get money from my wallet for Teeth treatment. And also want to ask if I order anything from medibuddy then can they will ask for anything for identity as ID card of company at time of product delivery.

[@AiredTech]

No they don't ask anything for pharmacy products when you get it delivered. You can go for the treatment but before please inform the Medibuddy support team about this

[@Sunil-qi5bl]

May I use for monthly medical bills for diabetics and BP

[@AiredTech]

Hi Sunil, yes, definitely you can

[@AiredTech]

You can also set a monthly refill for the medicines

[@vijayalakshmi8282]

I have taken policy for my mother my doubt is my mom suffering from knee pain so if went hospital is all fee cover under policy or not like consultation fee and lab test fee etc..

[@AiredTech]

Yes, all the Domi cost will get covered under the medibuddy claim, Consultation charges, Medicines , lab test everything!

[@vijayalakshmi8282]

@@AiredTech Thanks for responding but i heard some where if we stay 24 hrs in hospital at that time only we can claim other wise we can't is it true?

[@AiredTech]

No, if you're hospitalized that is more than 24hours you must claim from the HIS Medical Policy/ You can show them your Medibuddy cashless card Now if it is less than 24 hours then you can add a claim and get reimbursed from the medibuddy wallet

[@AiredTech]

You can mail us here- [e-mail]

[@vijayalakshmi8282]

@@AiredTech Thank you so much

[@sandhyaadpula3441]

How many days to get remboursement

[@swatijaiswal7440]

Hi I want to know about the dental treatment claims. Can you please share the procedure or details?

[@AiredTech]

Yes sure Swati, We can share the document with you, please reach out to us at - [e-mail]

[@swatijaiswal7440]

@@AiredTech please check mail.

[@aniketplay01889]

@@swatijaiswal7440 apko dental treatment claims Mila kya

[@PrimaryPathshalaNeha]

Hi, I also want to know about dental claim

[@itsSahasritha]

After uploading all the required bills, do we have to submit hardcopies to insurance company

[@AiredTech]

No, You don't have to submit the hard copies to the Insurance company or medibuddy, They can contact with the hospital for verification if they want.

[@NazimAli-mb1cm]

In my prescription ..doctors registration number is not there.. How to get it?

[@AiredTech]

You can call the doctor and they will tell you

[@erravibhai1964]

Hlo, plzz, clear about, check leaf

[@AiredTech]

Check leaf = Cheque book page with cancelled written on it

[@erravibhai1964]

@@AiredTech may, I upload blank check

[@roshiniamirisetty6740]

If cancelled check is not there what to upload incase of cancelled check

[@AiredTech]

You need a cancelled cheque, not other option

[@AiredTech]

That's the best thing! Have you joined our Group on Telegram Link - t.me/+Et0EktNQE4I3Mjl join from mobile app

[@AiredTech]

You can check if you have a photo or any of your old check book, you can then edit the photo and write cancelled on it. They need to verify your name and bank account no

[@bhagyamutyala9760]

Can I claim for my eye checkup consultation fee and for spectacles

[@AiredTech]

You can read the documents provided by TCS

[@reddyprashantkumar3753]

Within how many days can we apply for this claim

[@Sam-tn7dk]

90 Days

[@nagalaxmi6744]

Iam conceive regular checkup bills, scanning bills are covered tcs .?

[@AiredTech]

Hi Laxmi, We can share with you the details about Maternity over an email. Please share you email ID here.

[@AiredTech]

Also, Congratulations and take care! :)

[@vendettas7943]

2:25 since treatment is ongoing one what should be treatment end for claiming medicines cash back?

[@AiredTech]

You can add current date as well

[@AiredTech]

But it is better if you claim after you complete the treatment, so you can get everything reimbursement at once, don't forget to information the his team about this

[@user-fz1cj8rh6k]

@@AiredTech How to inform HIS team about this?

[@epuribhavana3857]

Does tcs approve only for selected hospitals bills or any hospital bills ?

[@epuribhavana3857]

Pls tell

[@kvenkat6671]

What does checkleaf mean? can u pls tell

[@AiredTech]

Cheque book page

[@sahilbelim5687]

I have completed 2 months in tcs, Can I claim domicile hospital treatment bill like medicine and reports

[@AiredTech]

Yes, you can

[@wondercreationyt5929]

What if the hospital is in black listed...? Is it possible to get medical claims

[@AiredTech]

Medibuddy do not reimburse claims from blacklisted hospital, because these hospital have a history of manipulation of records or fake claims

[@pdofficial7950]

I don't have check leaf so what should I have to upload?

[@AiredTech]

You can upload your bank passbook picture in that case, which should have your name, account no, and sign and stamp from branch manager

[@qureshizaid]

@@AiredTech earlier you said only cancelled cheque is acceptable, can we use bank passbook with managers sign now?

[@mohammedthaahaa9851]

How can we claim for blood test , x rays ? Explain please

[@AiredTech]

Yes, you can claim for it

[@mohammedthaahaa9851]

@@AiredTech for health checkup we can claim @ hospitalation reimbursement

[@monaligore8606]

Hi for domi reimbursement amount will be deducted from wallet or what ? My dental treatment bill is 16000 then for which claim I have to fill the details ?

[@AiredTech]

Select Medical reimbursement option and not the domi reimbursement

[@monaligore8606]

@@AiredTech where is medical reimbursement option I got the options under claims are- claim tracker, hospitalization reimbursement, domi reimbursement, cashless preintimation, reimbursement preintimation, covid vaccination reimbursement, disability claims.. which one to choose then ?

[@vidhithakkar2668]

​@@AiredTech where is medical reimbursement option??

[@ashutoshkumar2214]

​@@monaligore8606 hey you get the reimbursement?

[@ashutoshkumar2214]

Dental reimbursement is given you or not by tcs?

[@kalam5334]

How to check if my parents have his in tcs or not?

[@AiredTech]

You can go in gess portal and there you can see registered individuals under you

[@martinanatalia9613]

I just have a question. If my medical bills are more than Rs.6000/- can I claim it under domiciliary claims? Say for eg. my total bills/expenses are around 14-15k, then how should I claim the amount to get it reimbursed?

[@shanthoshvijay5340]

Were you able to claim more than 6k?

[@mycreations__]

I have perception on my brother's name can i order by using that?

[@AiredTech]

We would not recommend that, but you can try it and see if that works

[@madhumitha.g3265]

Hii i have added today my father as a beneficiary because i recently joined justnow in tcs.But now when i chck for domiciallary expense in helath insurance portal it is not showing for my father .How much time will it take to see the domiiccalry available balamce for my father in this portal .plss replyy urgentt

[@AiredTech]

Hi Madhumitha, Sorry for a little late response, But the thing is you'll get the domiciliary amount in the Medibuddy wallet, if not you can approach the Medibuddy support team on toll free number

[@AiredTech]

Added beneficiary as in you enrolled him under HIS, right?

[@madhumitha.g3265]

@@AiredTech i have added it under global ess -benefit and taxes-health insurance-add beneficary