Reliance Health. Wise Policy December 2006
Agenda 1. Introduction - Clinical Indian Health Industry and Health Insurance 2. Product Offering – Reliance Health. Wise Policy 3. Underwriting Overview 4. Claims Overview December 2006
Introduction § Health Risks could arise from various factors such as § Physical Condition § Psychological Conditions § Occupation § Lifestyle Related Factors § Growing concern over prevalence of chronic illnesses in India § obesity § heart-illnesses § diabetes and hypertension among others These factors will have significant impact on the health-care cost. December 2006
Our Life Style. . A Ticking Time Bomb Tremendous change in our life style § More nuclear families…more responsibilities § Late working § Extreme work pressures § No time for self § Not eating on time…eating out § Eating unhealthy…. junk food § High inflation…. everything getting expensive December 2006
Our Life Style. . A Ticking Time Bomb Alarming Symptoms § § More and more younger people fall sick § One has to pay heavily for medical treatments § Medical costs directly affect one’s hard earned savings § December 2006 Increased risk of falling sick Savings which were meant for important needs is drained on medical expenses
Our Daily Solemn Promise – what we should do § Every day I promise to myself • I will get up early and go for a walk • I will come home early after office • I will eat on time • I stop drinking. . Ok. . Only a little bit • I will eat healthy, absolute NO to junk food • Go to a gym. . Take care of my health • I will sleep early As Promises are meant to be broken. . so I break them every day!! December 2006
The Next Best Alternative…. It’s never too early to plan for future…. . Health Insurance… December 2006
Need for Health Insurance § Urban Lifestyle and Rural Infrastructure support § Inadequate Facilities in Government Hospitals § Privately run hospitals are expensive § Increased cost of medication § Diagnostic Expenses have spiraled § Specialist Doctors come expensive § Increasing Population with income disparity § More nucleus family means less savings and less disposable income § Changing disease profile and lack of Medical Information December 2006
Current Market Scenario § Only 85 m people in India are covered under Health Insurance § Among them, only 10. 8 m are covered by Insurance Companies § The rest are covered under government and company schemes § Contributes to 9. 6% of the general insurance market § § Intense competition among the public and private players Historically perceived as a loss making portfolio • • Lack of adequate Underwriting guidelines • Inadequate claims control • § § § Lack of spread of risk High perceived fears of fraud and abuse Very little variation in product and price among the insurance providers Inadequate distribution Coverage of Pre-existing diseased - still a question December 2006
Healthcare Opportunity in India - Mckinsey report § Healthcare spending in the next 10 years will Double § Healthcare spending will increase to 2, 000 crores by 2012 (Rs. 86, 000 crores in 2000 -01) § Health care insurance sector is to become a § Rs 25, 000 crore industry by 2009 (Rs. 1200 crores- in 2001 -02) § Rs 75, 000 crore by 2020 December 2006
The Way Forward…. § Increased customer awareness for more spread of insurance § Higher standards of customer service § Popularisation of Floater Concept § Reduction of Claim Ratio through efficient underwriting guidelines/ control / product offerings / spread of risk § Value Adds and Increased Features which further sweetens the product § Affordable pricing – cross subsidize across age categories § Increased Marketing Communication § Increased Cashless Coverage through TPA § Ensure Hassle-Free Policy Issuance and Claim Procedures § Inclusion of Preventive elements December 2006
Agenda 1. Introduction - Clinical Indian Health Industry and Health Insurance 2. Product Offering – Reliance Health. Wise Policy 3. Underwriting Overview 4. Claims Overview December 2006
What is Reliance Health. Wise Policy? Reliance Health. Wise Policy provides for ……………. Financial Assistance for you and your family against Hospitalisation Expenses towards disease / illness / injury in India along with host of value additions / options December 2006
Reliance Health. Wise Policy 1. Basic Features 2. Value Added Features 3. Policy Features 4. Exclusions 5. Plan Details 6. Our Advantage December 2006
1. Basic Features a. Hospitalisation Expenses b. Daycare Treatment c. Domiciliary Hospitalisation d. Pre and Post Hospitalisation e. Coverage of Pre-Existing Diseases f. Critical Illness Cover g. Donor Expenses December 2006
1. a. Hospitalisation Covers hospitalisation expenses incurred as an in-patient in a Hospital which will include • Room, Boarding and Operation Theatre charges • Fees of Surgeon, Anesthetist, Nurses, Specialists • The cost of diagnostic tests, medicines, blood, oxygen, appliances like pacemaker, artificial limbs and organs etc Hospitalisation for a minimum period of 24 hours is a must The cover provided is to a maximum of the Sum Insured as selected by the Customer December 2006
1. b. Day Care Treatment Hospitalisation less than 24 hrs Due to advancement of technology, hospitalisation expenses for certain treatments / diseases like the following are also covered, even though the hospitalisation is for less than 24 hours • • • Cardiac Catheterization Cataract Chemotherapy Coronary Angiography Coronary Angioplasty Dialysis December 2006 • • Dilation & Curettage Eye Surgery Hernia Repair Surgery Hydrocele Surgery Lithotripsy (Kidney stone removal) Radiotherapy Tonsillectomy
1. c. Domiciliary Hospitalisation Medical Treatment at your Home Medical Treatment for a period exceeding three days, which in the normal course, would require hospitalisation, but treatment is actually taken at home, under any of the following circumstances: - § the condition of the patient does not permit him/her to be removed to Hospital or § the patient cannot be admitted to Hospital for lack of accommodation therein This benefit also covers expenses on employment of a qualified nurse, as recommended by the attending Doctor. December 2006 The cover provided is to a maximum of 10% of the Sum Insured as selected by the customer
1. d. Pre and Post Hospitalisation Extended Pre and Post Hospitalisation Policy also covers relevant medical expenses incurred during a specified period, before & after hospitalisation (for which a claim is payable) December 2006
1. e. Coverage of Pre-Existing Diseases Coverage Hospitalisation expenses incurred on treatment towards Pre-existing diseases / condition can be covered: § Gold Plan: after completion of 2 consecutive years of the policy period § Silver Plan: after completion of 2 consecutive years of the policy period § Standard Plan: after completion of 4 consecutive years of the policy period December 2006
1. f. Critical Illness Cover Double Sum Insured Benefit If Insured contracts any of the following nine Critical Illnesses, the Sum Insured under the Policy (chosen by the Insured), is doubled towards hospitalisation expenses incurred for treatment of such Critical illness. § Cancer § Coronary Artery Bypass Surgery § First Heart Attack § Kidney Failure § Multiple Sclerosis § Major Organ Transplant § Stroke § Aorta Graft Surgery § Paralysis § Primary Pulmonary Arterial Hypertension December 2006 This feature is available only in Gold Plan
1. g. Donor Expenses Major Organ Transplant Covers hospitalisation expenses towards donor in case of major organ transplant. This feature is available to customers of Gold and Silver Plans December 2006
2. Value Added Features Value added benefits are payable up to the Sum Insured for the plan opted. a. b. c. d. e. f. Expenses on accompanying person at the Hospital Local Road Ambulance Services Recovery Benefit Cost of Health Check up Nursing Allowance Hospital Daily Allowance These features become applicable once a valid claim is admitted under the basic hospitalisation expenses cover of the Policy December 2006
2. a. Expenses on Accompanying Person Payment towards expenses incurred by an accompanying person at the hospital while Insured is hospitalised for a minimum period of 5 days. § Gold Plan: Rs. 300/- per day for a maximum of 5 days § Silver Plan : Rs. 250/- per day for a maximum of 5 days § Standard Plan : Rs. 200/- per day for a maximum of 5 days This is a common feature available to all Policyholders December 2006
2. b. Local Road Ambulance Services Reimbursement of Expenses incurred for necessary transportation of the insured to the Hospital in an ambulance for hospital admission and requiring immediate treatment. Maximum limit: § Gold Plan – Rs. 1000/- § Silver Plan – Rs. 750/- § Standard Plan – Rs. 500/- This is a common feature available to all Policyholders December 2006
2. c. Recovery Benefit In an unfortunate event, if the Insured is hospitalised for more than 10 consecutive days, a lump sum benefit of Rs. 10, 000 will be payable as Recovery Benefit. Basic Hospitalisation claim is enough. No need to provide for bills as this is a benefit payment. This benefit is applicable for § All the members of the floater separately § Irrespective of the number of occurrence during the policy period This feature is available only to customers of Gold Plan December 2006
2. d. Cost of Health Check up This benefit provides for reimbursement of cost / charges incurred for medical check up. § Applicable once at the end of a block of 4 claim free years. § Reimbursement is limited to 1. 25% of the average sum insured. This is a common feature available to all Policyholders December 2006
2. e. Nursing Allowance Payment of Nursing Allowance for expenses towards employment of registered nurse at the residence of Insured or at the Hospital provided such services are: § Confirmed as being necessary by the treating Physician § Relate directly to a disease / illness / injury for which the Insured has been hospitalised. This is applicable irrespective of the number of times of occurrence Allowance is payable for 5 days. In case of Critical Illness under Gold Plan this is payable for 10 days. § Gold Plan Rs 300/- per day § Silver Plan Rs. 250/- per day This feature is available to customers of Gold and Silver Plans December 2006
2. f. Hospital Daily Allowance Daily Hospital Allowance of Rs. 250 per day up to 7 days will be paid to Insured, provided he/she is hospitalised for more than 3 days. § It is irrespective of the number of occurrences § If case two people of the same floater are hospitalised, concurrently, each one of them will be eligible for hospital daily allowance separately This feature is available only for Gold Plan customers December 2006
3. Policy Features a. Income Tax Benefit b. Family Floater c. Sum Insured d. Pre-insurance Health Check up e. Option in Policy Duration f. Renewal Discount g. Cashless Facility (Through Third Party Administrators - TPA) h. Age Slabs December 2006
3. a. Income Tax Benefit Premium paid for Reliance Health. Wise Policy is eligible for tax deduction under section 80 D of the Income Tax Act, subject to the condition that the premium amount is paid by cheque/DD by the customer from his bank account. § Rs. 10, 000/- for self, spouse, kids and parents § Rs. 15, 000/- if the policy includes senior citizens whose ages is above 65 yrs December 2006
3. b. Family Floater Policy can be issued on a Floater basis covering the family members of the Insured comprising the Insured, spouse and two dependant children (upto the age limit of 21 years). What is floater, how does it benefit? § All members of the family (Self, Spouse, 2 Kids) can be covered under one single policy § Single premium payable for the entire family § The amount of Sum Insured “floats” over the entire family § No need to insure individual members separately § No hassles of tracking renewals for different members December 2006
3. b. Family Floater - Illustration Family: Mr. Ashish Sethi, Mrs. Sethi & their kid Nikki Scenario 1: § They take an insurance policy with a SI of Rs. 1 Lakh each § Mr. Sethi unfortunately needs to undergo angioplasty § The total bill amount Rs. 1. 4 lakhs § Insurance company pays only Rs. 1 Lakh as he is covered for only 1 Lakh. He cannot adjust the rest in the unused coverage amount of his wife and daughter § Mr. Sethi needs to bear the reminder of the cost – i. e. Rs, 40, 000!! December 2006
3. b. Family Floater - Illustration Family: Mr. Ashish Sethi, Mrs. Sethi & their kid Nikki Scenario 2: § They take a Reliance Healthwise Policy with a SI of Rs. 3 Lakh for the family § Mr. Sethi unfortunately needs to undergo angioplasty § The total bill amount Rs. 1. 4 lakhs § The entire amount is paid for by Reliance Health. Wise Policy § Mr. Sethi does not need shell out any money out of his own picket December 2006
3. b. Your Choice! OR December 2006
3. b. Advantage Floater! Chance of all in the Sethi family falling ill in one year is low as compared to one member falling severely ill – Theory of probability Individual Floater Single cover for each member Common cover for all members No flexibility to transfer the unutilized limit for other members The limit can be used by any member of the family & for any number of times Separate policy (separate document) for family members Single document, single premium, single date to track Premium payment annual in nature For the 2 year option, premium payment once in 2 years (at the beginning) Currently, all plans annual in nature Floater plan available for one/two years. . so assured zero hassle renewal next year December 2006
3. b. Fits all in the Family § Family covered under floater policy § Choice to cover § Individual § Couple & One kid § Couple & Two kids § Choice of cover amount § Rs. 1 to 5 Lakh per family depending on the plan selected December 2006
3. c. Sum Insured Wide range of Sum Insured option depending upon his medical requirement: § Gold Plan: 1 lac, 2 lac, 3 lac, 4 lac, 5 lac § Silver Plan: 1 lac, 2 lac, 3 lac, 4 lac, 5 lac § Standard Plan: 1 lac, 2 lac, 3 lac, 4 lac, 5 lac December 2006
3. d. Two Year Policy Option § The Reliance Health. Wise Policy offers to the Insured an option of § 1 year Policy § 2 years Policy If two year policy option is taken………………. § No worries for the insured members regarding: § Any price increase § Remembering to renewing the policy again next year § Premium to be paid for 2 years at the beginning itself December 2006
3. e. Pre-insurance health Check up § No medical tests required at enrollment stage for family members under the age of 45 and the Policy is issued immediately based on proposal form and declaration § Applicants above 45 yrs will be covered only after completion of medical tests, submission of reports and the approval of Underwriting team December 2006
3. f. Renewal Discounts § A renewal discount of 5 % on the renewal premium will be allowed, in case no claim is made during the expiring policy period § This renewal discount can be accumulated upto a maximum of 50% December 2006
3. g. Cashless Facility (Through TPA) § Each Policy holder will get a Health Card § Using Health Card the Insured can avail of Cashless Hospitalisation facility through contacting the TPA § Cashless facility is available in over 3000 networked hospitals across the country § TPA provides assistance in § Cashless hospitalisation § Information on Claims status § Information on Hospitals § 24 hour helpline (TPA - Third Party Administrators) December 2006
3. h. Age Slabs – Applicability § Anyone between the age of 3 months to 65 yrs can be covered under the various plans § No fresh policy to be issued after 55 yrs in case of Gold Plan; 60 yrs incase of Silver Plan; 65 yrs incase of Standard Plan § 3 months - 45 yrs can be covered without Pre-insurance medical tests § 46 yrs & above Mandatory medical test & necessary approval from the UW Age band Coverage 3 months to 5 yrs Covered only along with either of the parents without any medical examination 6 years to 45 yrs Covered without any medical examination. 46 -65 yrs Covered subject to satisfactory medical examination December 2006
4. Exclusions First year Exclusions There are certain ailments which are not covered for the First year of inception of health insurance cover, but are covered subsequently – § Cataract § Benign Prostatic Hypertrophy § Myomectomy, Hysterectomy or menorrhagia or fibromyoma unless because of malignancy § Dilation and curettage § Hernia, hydrocele, congenital internal disease, fistula in anus, sinusitis § Skin and all internal tumors/ cysts/nodules/ polyps of any kind including breast lumps unless malignant /adenoids and hemorrhoids § Dialysis required for chronic renal failure § Gastric and Duodenal ulcers December 2006 This exclusion will not apply for roll over cases
4. Exclusions Permanent Exclusion § Disease/ Injury existing before inception of health insurance policy being preexisting disease (however, these will be covered after 2 nd year, depending on the choice of plan) § Any disease contacted during the first 30 days of inception of policy – accidents excluded and roll over cases excluded § Naturopathy or other forms of local medication § Pregnancy & childbirth related diseases § Intentional self-injury / injury under influence of alcohol, drugs § Diseases such as HIV or AIDS § Diseases existing from the time of birth (Congenital diseases) December 2006
4. Exclusions contd……. . § Cost of spectacles, contact lenses and hearing aids § Dental treatment or surgery of any kind unless requiring hospitalization § Charges incurred at Hospital or Nursing Home primarily for diagnostic without any treatment § Expenses on vitamins and tonics unless forming part of treatment for disease or injury as certified by the medical practitioner § Cosmetic, aesthetic, treatment unless arising out of accident § Treatment related to obesity § War, riot, strike, terrorism, nuclear weapons induced hospitalisation § Routine medical, eye and ear examinations § Treatment of mental illness December 2006
5. Plan Details Plan Comparison – Basic Features December 2006
5. Plan Details Plan Comparison – Value added Benefits December 2006
5. Plan Details Plan Comparison – Policy Features December 2006
6. Our 17 points Advantage! 1. Family Floater Option 2. Coverage of Pre-Existing Diseases after 2 nd year of renewal 3. Automatic Double Sum Insured under Critical Illness cover 4. Policy duration for 2 years 5. Extended Pre and Post-hospitalisation 6. Wider Sum Insured options 7. Hospital Daily Allowance 8. Nursing Allowance 9. Recovery Benefit 10. Reimbursement of Cost of Health Check up after 4 years 11. Local Road Ambulance Services 12. Expenses on Accompanying Person 13. Cashless Facility 14. Policy without Medical test till 45 yrs 15. Renewal Reward - No Claim Bonus 16. Income Tax Benefits December 2006 And you tell me the Last Advantage…. The 17 advantage
6. Our 17 points Advantage! 17. Instant Policy Issuance December 2006
6. Reliance Healthwise Vs. Other Cos. December 2006
6. Reliance Healthwise Vs. Other Cos. December 2006
6. Reliance Healthwise Vs. Other Cos. December 2006
Agenda 1. Introduction - Clinical Indian Health Industry and Health Insurance 2. Product Offering – Reliance Health. Wise Policy 3. Underwriting Overview 4. Claims Overview December 2006
Product Code § Reliance Health. Wise Policy § Product Code - 28 -25 December 2006
Proposal acceptance authority – fresh proposal Acceptance Authority Type of Proposal Age Band Fresh Proposals 3 Mths - 45 46 -55 56 -65 (Applicable to Standard & Silver Plans Only December 2006 Branch Office Regional Office Front Line Office can accept business based on clear proposal form where there is no pre-existing disease. Where proposal form states pre-existing disease, proposal form as to be referred to Regional Office Proposal referred to by the Front line office with preexisting disease may be considered for acceptance based on underwriting. RO can accept the proposal subject to medical examination. Only such medically cleared proposals are to be underwritten by the RO for this age group. Any deviation refer to CO Corporate Office NA CO may consider acceptance depending on merits of each case Medical Test No Medical Required
Proposal acceptance authority – renewal / rollover proposals Acceptance Authority Type of Proposal Medical Test Branch Office Regional Office 3 Mths - 45 Renewals or Rollovers Age Band Proposal/Renewal with “No Claim” maybe accepted Proposal/Renewal with claim history may be consider based on underwriting No Medical Required Proposal/Renewal maybe accepted where there is "No Claim" No Medical Required 46 yrs -55 yrs 56 yrs – 65 yrs (Applicable to Standard & Silver Plans Only December 2006 Proposal/Renewal maybe accepted where there is "No Claim" Corporate Office Proposal/Renewal with claim history may be consider based on underwriting No Medical Required
Endorsements - Non premium bearing endorsements § Change in the following; • Correction in Name of the Insured and/or dependants (only spelling) • Correction in Gender • Correction/Change in Address • Correction on Date of Birth provided no impact on the premium • Correction in Relationship of the dependants • Change in Nominee § Cancellation of Policy due to dishonor of Cheque December 2006
Endorsements - Premium bearing endorsements Endorsements resulting in Refund 1) Cancellation § at the request of the Insured (short period rate) subject to no claim policy. § at the instance of the Insurance Company (pro rata basis) 2) Deletion of Insured Members § only in case of legal separation and/or demise of Spouse or demise of child § premium to be refunded subject to no claim paid 3) Change in Date of Birth of the oldest member of the family § resulting in charging a lower premium due to reduction in age shall be done on receipt of written request from the Insured and proof of Date of Birth. (Proof of DOB can be Birth certificate, copy of Passport, Pan Card, driving license and the like) § premium will be refunded pro rata basis December 2006 All the above are subject to UW approval
Endorsements - Premium bearing endorsements 4) Reduction in Period of Insurance § No reduction on Period of Insurance is allowed 5) Degradation of Plan § No mid term degradation of plan to be allowed 6) Decrease in Sum Insured § No mid term decrease in Sum Insured to be allowed All the above are subject to UW approval December 2006
Endorsements - Premium bearing endorsements Endorsements resulting in collection of additional premium 1) Inclusion of dependants § Mid term addition is allowed only in the following cases • New Born Child ( to be intimated within 4 months of birth) • Newly married Spouse, ( to be intimated within 2 months of marriage) § Premium in case of the above scenario to be collected on pro rata basis § Under no other circumstances addition of family members is allowed 2) Change in Date of Birth of the oldest member of the family § Resulting in charging a higher premium due to increase in age shall be done on receipt of written request from the Insured and proof of Date of Birth. (Proof of DOB can be Birth certificate, copy of Passport, Pan Card, driving license and the like) § Premium will be colleted on pro rata basis December 2006
Endorsements - Premium bearing endorsements 3) Increase in Period of Insurance § No mid term increase in Period of Insurance is allowed 4) Upgradation of Plan § No mid term upgradation of plan to be allowed 5) Increase in Sum Insured § No mid term increase in Sum Insured to be allowed All the above are subject to UW approval December 2006
Agenda 1. Introduction - Clinical Indian Health Industry and Health Insurance 2. Product Offering – Reliance Health. Wise Policy 3. Underwriting Overview 4. Claims Overview December 2006
Types of claims - Hospitalisation Claims can be broadly of two types: § Reimbursement claims § Cashless claims This further can be broken into: § Planned - Where the customer is aware of the hospitalisation atleast 72 hours in advance § Emergency - Where the customer meets with an accident or suffers from bout of illness that requires immediate admission to the hospital Claims are serviced at both network as well as non-network hospitals § Network hospitals – Hospitals which are on the tied up list (more than 3000 hospitals covered) - Where our service provider has a relationship § Non-network hospitals – which do not form part of the list December 2006
Reimbursement - Steps to follow during hospitalisation A) Emergency hospitalisation § Step 1. Take admission into the hospital. § Step 2. As soon as possible, inform TPA about the hospitalisation. § Step 3. At § Step 4. collect all the original bills, documents and reports. Lodge the claim with TPA for processing and reimbursement by duly filling in the claim form & enclosing all original bills/vouchers/receipts B) Planned hospitalisation § Step 1. Inform TPA about the planned hospitalisation. § Step 2. Get admitted into the hospital as planned. § Step 3. At § Step 4. December 2006 collect all the bills, documents and reports. Lodge the claim with TPA for processing and reimbursement by duly filling in the claim form & enclosing all original bills/vouchers/receipts
Reimbursement Claims - Claim procedure § As soon as hospitalised, to intimate the TPA (Help line/Toll free number mentioned in the Health Card) § Following information needs to be furnished while intimating a claim: • Contact Numbers • Policy Number (as reflecting on the Health Card) • Name of Insured person who is Sick or Injured • Nature of Sickness/Accident • Date & Time in case of accident, commencement date of symptom of disease in case of sickness • Location of accident December 2006
Cashless Claims – Procedure (Approval) § Cashless Service is the service wherein the Insured need not pay any money at the time of admission or discharge. • This facility is available only at our Network Hospitals § To avail the “Cashless Service” • “Cashless Request Form” available in network hospital (and in the H Kit) is to be filled up and sent to TPA for getting authorisation from TPA. The Hospital will coordinate for this. • This authorisation along with a copy of the Health Card has to be given to the Network Provider at the time of admission • Please also keep a copy of any photo ID card, it may be required by the Hospital. TPA will authorize “Cashless Service” at the Network Hospitals for all cases which are covered under the policy. December 2006
Cashless Claims - Procedures (Denial) “Cashless Service” may be denied in following situations: § In case of any doubt in the coverage of treatment of present ailment under the Policy § If the information sent to TPA is insufficient to confirm coverage § The ailment/condition etc. not being covered under the policy § If the request for pre-authorisation is not received by TPA in time Denial of “Cashless Service” is not denial of treatment. The Insured can continue with the treatment, pay for the treatment to the hospital and after discharge send the claim to TPA for processing. December 2006
Cashless Claims - Procedures for emergency hospitalisation § Rush to hospital and get admitted. § Obtain the Pre-Authorisation Form from the hospital (if it network). § Get the same filled in & signed by the attending doctor with required details. § Fax the pre-authorization form along with necessary medical details to TPA at the number mentioned in health card. The Hospital will coordinate for this. December 2006
Cashless Claims - Procedures for emergency hospitalisation If pre-authorisation is received from the TPA for “Cashless Service” § At the time of discharge…………. • Verify the bills and sign on all the bills at the Hospital. • Pay only for those items that are not reimbursable under the Policy (Hospital / TPA will guide in this). • Leave the original discharge summary & other investigations reports with the hospital. Retain a Xerox copy for records. December 2006
Cashless Claims - Procedures for Planned hospitalisation Coordinate with hospital & send in all the details along with the Pre-Authorisation Form at least 2 days prior to the hospitalisation including the plan of treatment, cost estimates etc. to TPA. § If “Cashless Service” is authorised by TPA • At the time of admission, handover in the authorisation letter of TPA for cashless service & a photocopy of ID card to the hospital. • At the time of discharge a. Verify the bills and sign on all the bills. b. Pay only for those items that are not reimbursable under the Policy. c. Leave the original discharge summary, other reports with the hospital. Retain a Xerox copy for records. December 2006
fast forward better living December 2006
Thank you December 2006
Скачать презентацию Reliance Health Wise Policy December 2006 Agenda
ef05df181d74dc8cf682237b3e22378a.ppt