IHO Health Plan...

Presentation StructurePresentation Structure

About Indian Health Organisation

IHO Health Plan: The Concept

IHO Health Plan: Product Benefits Product Variants

IHO Network: Doctor Types & Empanelment Criteria IHO Footprint

• Geographical presence• Network Size

Usage Process

Advantages compared to Health Insurance

Some of our Clients

About Indian Health OrganisationAbout Indian Health Organisation

• IHO is an organisation formed for the cause of making high quality healthcare more affordable in India

• IDA (Indian Dental Association) has partnered & collaborated with IHO. Both organisations have come together to work towards the cause of promoting preventive health care within India

• IHO provides certification to high-quality medical practitioners, based on strict empanelment criteria designed by the biggest names in the medical fraternity

• IHO is driven by a team of senior people from both the medical and corporate world; it is supported by various social organisations, a panel of doctors, corporates and a highly experienced advisory board

• As a first step, IHO has launched IHO Health Plans – a first of its kind benefit in India







Usage Process


Some of our Clients

IHO Health Plan: The ConceptIHO Health Plan: The Concept

Now, say goodbye to

your health worries!

•The IHO Health Plan brings together a group of the best, individually practicing doctors of all fields under one umbrella

• These practitioners offer their services to Health Plan members at no fee or a considerably lower fee than they usually charge

• This makes high quality medical expenses more affordable & convenient to all members & will lead to better healthcare awareness

• Health Plans have been very popular in places like USA and Europe ever since their launch more than two decades ago







Usage Process


Some of our Clients

IHO Health Plan: Product BenefitsIHO Health Plan: Product BenefitsThe IHO Health Plan takes care of all preventive & pre-hospitalisation healthcare needs:

Dental Benefits

Medical Benefits

Pathology & Radiology Benefits

Preventive Health Checkups Dial a Doctor

Insurance Cover

IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition

Dental Benefits

Category I: Oral Hygiene Check Up

100% off on ALL Consultations & Examinations

Category II: Preventive Services

50% off on Cleanings & X Rays

Category III: Any Treatments

25% to 30% off on all other treatments


Category I: Consultations & Check-Ups

•100% off on first two consultations & check-ups at

each doctor•25% (min. 20%) off from third

consultation onwards Medical Benefits

Category II: Subsidised Treatments

•25% (min. 20%) off on all treatments or tests


Pathology Benefits

Radiology Benefits

30% off on all pathology tests

30% off on all radiology tests


Preventive Health Checkups

Exclusive health check vouchers are sent along with the welcome pack:

• Gives the customer an accurate picture of his/ her physical condition

• Provides a savings of about 60% compared to what one would normally pay


Members can receive medical advice relating to minor or

routine illnesses instantly just by making one phone call

Primary Member receives a Personal Accident insurance cover provided by IFFCO-Tokio worth Rs

50,000

Dial a Doctor

Insurance Cover

Indicative SavingsIndicative Savings for a Memberfor a Member

Normal Cost

1,000

2,500

6,000

2,000

2,000

40,000

3,000

6,000

3,000

IHO Member pays

Zero!

1,250

4,200

Zero!

1,500

30,000

2,100

4,200

1,000

Savings

1,000

1,250

1,800

2,000

500

10,000

900

1,800

2,000

21,250

Remarks

100% off on consultations

Full dental cleaning and X rays at 50% off!

30% off on all dental treatmentsMember can get check ups done across all specialists,

with first two consultations at each doctor free

25% off!

25% off!

30% off on all pathology tests

30% off on all radiology tests

Health checkups worth Rs 1,500 at Rs 500 only!

Typical Medical Expenses for one person in a year

Two dental consultations

One dental X-ray & Cleaning

One basic dental treatmentFour medical consultations across

the yearAny further treatments like

immunizations or or treatments

Lasik treatment

Pathology Tests

Radiology TestsPreventive health check-up

vouchers (2)

TOTAL SAVINGS

• Savings shown above are for one member only

• Estimated savings for a couple or a family of four would be INR 43,000 and INR 86,000 in a year respectively!







Usage Process


Some of our Clients

IHO Health Plan VariantsIHO Health Plan Variants

1.Individual Membership: Membership benefits only for one person

1.Couple Membership Membership benefits for two people

Each applicant receives individual card

2.Family Membership Membership benefits for four people

Each applicant receives individual card

IHO Health Plan memberships are not transferable. IHO Health Card

benefits cannot be availed of by non-members







Usage Process


Some of our Clients

Doctor Specialisations on the IHO NetworkDoctor Specialisations on the IHO Network

Virtually all Doctor & Dentist specialisations are on the IHO network, as shown below:

•General Physicians

•Cardiologists

•Neurologists

•Orthopedics

•Pediatricians

•Diabetologists

•ENT

•Ophthalmologists

•Gynecologists

•Oncologists

Doctors

•General Dentists

Orthodontists

•Pedodontists

•Periodontists

•Endo Dentists

•Prosthodontists

•Oral & Maxillofacial

• Surgeons

•Cosmetic Dentists

•Sports Dentists

•Implant Specialists

Dentists

Best in class

Pathology &

Radiology labs

offering full

range of services

& latest equipment

Pathology/ Radiology

IHO Empanelment Criteria for DoctorsIHO Empanelment Criteria for Doctors

IHO certifies and empanels only medical practitioners who meet the following criteria:

Masters Degree

Registered Doctor

Minimum five years experience

Meeting the Clinic Hygiene Standards defined by IHO committee

In addition to the above, only those doctors are empanelled who are keen to help promote health awareness in the country.

*Exceptions to these may be taken by IHO Empanelment Team, basis the Doctor’s experience and goodwill in the medical and patient community

The rigorous empanelment criteria ensures that only high quality, ethical medical practitioners are empanelled







Usage Process


Some of our Clients

Kanpur

Vadodara

Already present

Planned

Delhi NCR

Jaipur

Ahmedabad

MumbaiPune

Chennai

Hyderabad

Vizag

Nagpur

Indore

Lucknow

Kolkata

Chandigarh

Surat

Bangalore

Kochi

IHO FootprintIHO Footprint

Coimbatore

IHO Present Network

•The IHO network presently covers 13 cities

•There are more than 1,200 medical practitioners on the IHO network presently

IHO Planned Network

•By March 2010, IHO will expand to nine more cities

•The network will consist of more than 2,000 medical practitioners as well as 800 pharmacies







Usage Process


Some of our Clients

IHO Health Plan: Easy Usage ProcessIHO Health Plan: Easy Usage Process

•All IHO Health Plan members are sent a Health Plan membership Card

•All IHO Health cards issued with a one year validity

•Membership card & welcome pack are received by customer within 14 working days of enrollment

Whenever a member needs a doctor,

he/she should just do the

following:

1. Call the IHO Helpline number for

the city

2. Based on the requirement &

location, an IHO representative

will suggest appropriate doctors, giving all details required

3. Member has to just show the IHO

Card to avail of benefits instantly







Usage Process


Some of our Clients

Advantages compared to Health InsuranceAdvantages compared to Health Insurance

Health Insurance IHO Health Plan

Annual spending limit is fixedNo spending limits, unlimited usage

possible

Restrictive age limits, often not given to senior citizens No age limits

Existing ailments not covered All ailments are eligible for benefits

Very high annual premium Annual membership fee is very low

Only covers hospitalisation expenses

Covers all day-to-day & pre-hospitalisation expenses

No dental treatments covered All dental treatments covered

Some claims are deductible Benefits available on all treatments

Pathology & Radiology not included unless hospitalised

Pathology & Radiology expenses covered for any requirements

Lengthy claim proceduresNo paperwork, benefits available

instantly







Usage Process


Some of our Clients

Some of our ClientsSome of our Clients

Thank You

IHO Health Plan...

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