Can we enroll in the medi claim policy and what are the details?

I need clarification on medi claim policy which has prevailed in many companies which offers their employees to contribute a fixed amount every month. One part of the amount is contributed by the employer also. The benefit of the policy is the employee can claim the amount which has been expended during his/her medical treatment on condition if the treatment is under gone the listed hospitals by the medi claim service provider. [ [1] For E.g If one person has under gone medical treatment in a hospital has been enlisted by the medi claim service provider and the total expense was Rs.1 lac [2] The total contribution by that person was Rs.3300/anum and employer’s contribution was Rs.4800/anum which comes to Rs.8100 but he can claim upto Rs.1 Lac / anum for his medical expenses. This amount includes other contributors who pay equal amount as their contribution. The question is whether we can enroll in this medi claim policy, kindly highlight us with detail.