GROUP MEDICLAIM AND PERSONAL ACCIDENT INSURANCE POLICY FOR THE EXISTING REGULAR AND CONTRACTUAL EMPLOYEES ALONG WITH THEIR RESPECTIVE DEPENDENT FAMILY MEMBERS; EMPLOYEES WHO HAD RETIRED POST 31 MARCH 2007 ALONG WITH THEIR RESPECTIVE SPOUSES; AND SPOUSES OF DECEASED EMPLOYEES WHO HAD EITHER RETIRED OR DIED IN HARNESS POST 31ST MARCH 2007 FOR A PERIOD OF ONE YEAR