Gem Bids For Group Mediclaim Insurance Service - Permanent Employees; Hospitalization For Accident & Emergency Treatments Maternity All Pre-existing Illness; Yes Group Mediclaim Insurance Service - Retired Superannuated Pensioners; Hospitalization For Accident & Emergency Treatments All Pre-existing Illness; Yes Group Mediclaim Insurance Service - Retired Superannuated Pensioners; Hospitalization For Accident & Emergency Treatments All Pre-existing Illness; No Group Mediclaim Insurance Service - Contract Employees; Hospitalization For Accident & Emergency Treatments All Pre-existing Illness Maternity; No