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Transcript of Jeevan Day Ee
~ 1 ~ Signature & stamp of Insurance Agency
Rs. 3000/-
GOVERNMENT OF MAHARASHTRA
Rajiv Gandhi Jeevandayee Arogya Yojana Society (Proposed)
(Procurement Cell)
Arogya Bhavan 1st Floor,
St.George's Hospital Compound,
Near C.S.T.Station,Mumbai-400 001.
Maharashtra State
Website : http://maha-arogya.gov.in & www.maharashtra.gov.in Email: [email protected]
Phone : 022-22631831/22651026, Fax : 022-22625799
REQUEST FOR PROPOSAL (R F P)
Proposals are invited from General Insurance Companies (Licensed and Registered with
IRDA) dealing with Health Insurance for implementation of Rajiv Gandhi Jeevandayee
Arogya Yojana (RGJAY) in Maharashtra. Technical and Financial Proposal documents can be downloaded from website http://maha-arogya.gov.in or www.maharashtra.gov.in or can also be obtained in person from below
mentioned address on any working day during 2nd June 2011 to 29th June 2011 during office
hours.
Not Transferable
RFP No. 1/DHS/PC/Rajiv Gandhi Jeevandayee Arogya Yojana/RFP/2011-12
R F P SCHEDULE
1. Date of commencement of sale of RFP : 02.06.11 2. Pre Proposal Conference : 17.06.11 (at 15.00 hrs.) 3. Last date for availability of Proposal documents : 29.06.11 (up to 17.00 hrs.) 4. Last date for submission of Proposal documents : 30.06.11 (up to 13.00 hrs.)
5. Opening of technical Proposals : 30.06.11 (at 14.00 hrs.).
Complete RFP documents should be submitted at the address mentioned below not later than
13.00 hrs. on 30th June 2011. Proposals received later than the prescribed deadline date and time will not be accepted for opening & evaluation. Address for communication: Office of the Dr. G. S. Chindhe, Joint Director of Health Services (Procurement Cell) On behalf of Rajiv Gandhi Jeevandayee ArogyaYojana Society
1st Floor, Arogya Bhavan
St. Georges Hospital Compound, Mumbai 400 001 Phone NO : 022-22631831 / 22651026 Telefax : 022-22625799
All correspondence / communications about RFP, RGJAY should be made at the above address.
Issued To
M/s. ___________________________________________________________________
~ 2 ~ Signature & stamp of Insurance Agency
A complete set of RFP documents may be purchased by interested eligible Insurance Agency upon
payment of a non refundable fee of Rs. 3000/- (Rupees Three Thousand only ) in the form of a
Demand Draft issued by Nationalized/Scheduled Bank in favour of "Rajiv Gandhi Jeevandayee
Arogya Yojana Society , Mumbai" payable at Mumbai during office hours from 10.00 hours to 17.00
hours on all working days on or before date & time of closing of sale of RFP document.
In case of RFP which is downloaded from website, the bidder should specifically super scribe "Down
loaded from the website" on the top left corner of the envelope. However RFP cost of Rs.3,000.00 in
the form of Demand draft will have to be submitted along with the RFP document. The proposal shall
be rejected summarily upon failure to follow procedure prescribed in the RFP document. The
conditional proposal is liable to be rejected.
The Joint Director of Health Services (Procurement Cell), Mumbai reserves the right to amend /or to cancel R F P without giving any reason to.
Joint Director of Health Services (Procurement Cell) Mumbai
On behalf of
Rajiv Gandhi Jeevandayee ArogyaYojana Society
~ 3 ~ Signature & stamp of Insurance Agency
REQUEST FOR PROPOSAL (RFP) DOCUMENT (DRAFT)
Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) for BPL / APL population in
Maharashtra (Phase I: 8 districts of state of Maharashtra)
Government of Maharashtra has decided to revamp the existing Jeevandayee Yojana by
making it more comprehensive and inclusive. In pursuance with this, State is launching “Rajiv Gandhi Jeevandayee Arogya Yojana” (RGJAY) in a phased manner in order to improve access of Below Poverty Line (yellow card holders) and Above Poverty Line (APL-orange
card holders) families to quality medical care for identified specialty services requiring hospitalization for surgeries and therapies or consultations through an identified network of
health care providers. The insurance policy/coverage under the RGJAY for the eligible beneficiary families in 8 districts of Phase I will be in force for an initial period of one year from the date of commencement of the policy (From 02.10.2011 Phase-I) .
The RGJAY– Phase-I will cover 30 specialized service categories having 972 procedures and 121 follow up procedures. While implementing the scheme in these 8 Districts the RGJAYS
invites a single Proposal being implemented through the interested Insurance Companies. The scheme has following important features as detailed in the scheme.
The Proposal Document consists of the following Parts.
Part-I :- Details of the Scheme
Part-II :- Submission of Technical and Financial Proposals
Part- III :- Process assignment and General Guidelines
Section A- Submission of Proposals
Section B – Technical Information Section C – Financial Proposal
Part –IV :- MOU (Memorandum of Understanding ) Provisional
Appendix 1: General Guidelines on the Packages. Appendix 1a: Detailed list of specified surgeries and therapies
Appendix 1b: Follow up package Appendix 2: Working Pattern Appendix 3: Aarogyamitras and their role
Appendix 4: Procedure of enrolment of network hospitals Appendix 5: Activity Chart for Insurance Company
Appendix 6: Health camp policy Appendix 7: MOU (provisional) between insurer and network hospital
Rajiv Gandhi Jeevandayee Arogya Yojana Society invites sealed competitive proposals from IRDA (Insurance Regulatory Development Authority) registered General Insurance Companies dealing with Health Insurance and having requisite experience as detailed in
Request for Proposal (RFP). Only the financial proposals of those companies who qualify in the technical proposal scrutiny will be opened. The companies which are in agreement with
the scheme and clauses in MoU (provisional), which is an integral part of the scheme, only need to participate in the Selection and any disagreement in this regard may invite disqualification/rejection of Proposal at technical level. Hence all the companies are requested
to go through the Scheme and MoU carefully and submit their proposal.
~ 4 ~ Signature & stamp of Insurance Agency
TABLE OF CONTENTS SR. NO. DETAILS PAGE
PART – I SECTION-A: DETAILS OF THE SCHEME 8
1 NAME OF THE SCHEME 8
2 OBJECTIVES 8
3 BENEFICIARY FAMILIES 9
4 HEALTH CARD 9
5 FAMILY 9
6 IDENTIFICATION 9
7 PRE EXISTING DISEASES 10
8 SUM INSURED ON FLOATER BASIS 10
9 PAYMENT OF PREMIUM 10
10 PERIOD OF INSURANCE & PERIOD OF
AGREEMENT
10
11 PACKAGE 12
12 CASHLESS TRANSACTION 12
13 ONLINE CLAIM SETTLEMENT 12
14 REFUND 13
15 PROCEDURES FOR ENROLLMWNT OF HOSPITALS 13
16 MOU BETWEEN NETWORK HOSPITAL AND RGJAY
SOCIETY
13
17 STANDARDIZATION OF FORMATS 14
18 IMPLEMENTATION PROCEDURE 14
19 AROGYAMITRA 15
20 WEB PORTAL 16
21 ONLINE MIS AND 24 HOUR E-PREAUTHORIZATION 17
22 MEDICAL AUDITORS 17
23 PUBLICITY 17
24 IN HOUSE SYSTEM 17
25 PROJECT OFFFICE AND STATE LEVEL
COORDINATION
17
26 CAPACITY BUILDING 18
27 RUN OFF PERIOD 18
28 RAJIV GANDHI JEEVANDAI MANUAL 19
29 PREPROPOSAL MEETING 19
30 PROPSAL VALIDITY PERIOD 19
31 FORMATION OF CONSORTIUM 19
PART II SUBMISSION OF TECHNICAL AND FINANCIAL PROPOSALS
20
1 SUBMISSION OF PROPOSALS 20
2 SIGNATURE ON EACH PAGE OF DOCUMENT 20
3 DEADLINE FOR SUBMISSION PROPOSALS / PROPOSALS
20
PART III PROCESS: ASSIGNMENT AND GENERAL GUIDELINES
22
1 PROCEDURES FOR EVALUATION OF PROPOSALS 22
2 AWARD OF CONTRACT 22
3 RIGHT TO NEGOTIATE AT THE TIME OF AWARD 22
~ 5 ~ Signature & stamp of Insurance Agency
SR. NO. DETAILS PAGE
4 RGJAY SOCIETY / GOM‟S RIGHT TO ACCEPT OR REJECT ANY OR ALL PROPOSALS
22
5 NOTIFICATION OF AWARD AND SIGNING OF MOU 22
6 CONFIEDENTIALITY 23
7 CANAVASSING, FRAUD AND CORRUPT
PRACTICES
23
SECTION A: SUBMISSION OF PROPOSALS
24
1 GENERAL INFORMATION 24
2 DECLARATION BY THE INSURANCE AGENCY 24
SECTION B :
TECHNICAL INFORMATION
25
A. QUALIFYING CRITERIA 25
B. OTHERS 25
ANNEXURES
Please submit the following:
Annexure-1 IRDA license 28
Annexure-2 Insurance company should have an experience in conceptualizing, designing and implementing large
healthcare schemes and have at least three years‟ experience
29
Annexure-3 Declaration from the insurer that the Insurance Agency has
not been black listed/debarred
30
Annexure-4 An undertaking as per format expressing their explicit agreement to adhere with the details of the scheme
32
Annexure-5 An undertaking as per format confirming that they have
submitted their Proposal as a single entity only and have not form a Consortium for the scheme.
33
Annexure-6 Tailor made policy of the desired Health Insurance Scheme
in conformity to the benefits.
34
Annexure-7 The details of office infrastructure in the state and in the concerned districts.
35
Annexure-8 Activity Chart 36
Annexure-9 Plan for Health Camps. 37
Annexure-10 Empanelled health facilities with Insurer 38
Annexure-11 Any Other information, if any. 39
SECTION C
FINANCIAL PROPOSAL
40
PART IV MOU (MEMORANDUM OF UNDERSTANDING) 41
1 DEFINITION AMD INTERPRETATION 41
2 BENEFICIARY FAMILIES 43
3 COVERAGE 44
4 SUM ASSURED 45
5 PREEXISTING DISEASE 45
6 PRE AND POST HOSPITALIZATION 45
7 DEFINITION OF FAMILY 46
8 HEALTH CARDS 46
~ 6 ~ Signature & stamp of Insurance Agency
SR. NO. DETAILS PAGE
9 WEB PORTAL 46
10 PAYMENT OF INSURANCE PREMIUM 47
11 PERIOD OF INSURANCE & PERIOD OF AGREEMENT
47
12 ADJUSTMENT/ REFUND OF PREMIUM 49
13 PROCEDURE FOR ENROLLMENT OF HOSPITALS 49
14 MOU WITH NETWORK HOSPITAL AND
DISCIPLINARY ACTIONS AGAINST THE HOSPITALS
49
15 CASHLESS SERVICE 50
16 PACKAGES 50
17 IMPLEMENTATION PROCEDURE 50
18 HEALTH CAMPS 51
19 DISTRICT LEVEL CO-ORDINATION 52
20 IN-HOUSE SYSTEM 52
21 PROJECT OFFICE AND STATE LEVEL CO-ORDINATION
52
22 AAROGYAMITRAS 54
23 WEB PORTAL 55
24 ONLINE MIS AND – PREAUTHORISATION 56
25 MEDICAL AUDITORS 56
26 PUBLICITY 56
27 SERVICING OF OTHER SCHEMES 57
28 ACTIVITY CHART 57
29 ASSISTANCE FROM THE GOVERNMENT 57
30 CLAIMS PROCEDURE 57
31 RESPONSE TIME 59
32 INSURER REPRESENTATIONS, WARRANTIES AND RESPONSIBILITIES
59
33 JURISDICTION 60
34 NON PERFORMANCE 60
35 INFORMATION FLOW 60
36 RENEWAL 60
37 THE PRECEDENCE OF MOU 60
38 MODIFICATION OF MOU 61
39 MONITORING MECHANISM 61
40 GRIEVANCE MECHANISM 61
41 TERMS & TERMINATION 62
42 FORCE MAJEURE 63
43 ASSIGNMENT 63
44 ENTIRE AGREEMENT 63
45 RELATIONSHIP 63
46 SEVERABILITY 63
47 NOTICES 63
48 GOVERNING LAW 64
49 DISPUTE RESOLUTION 64 APPENDICES
~ 7 ~ Signature & stamp of Insurance Agency
SR. NO. DETAILS PAGE
APPENDIX – I GENERAL GUIDELINES ON THE PACKAGES. 65 APPENDIX-Ia
DETAILED LIST OF SPECIFIED SURGERIES AND THERAPIES AND PACKAGE
67
APPENDIX-Ib FOLLOW UP PACKAGE 143
APPENDIX- II WORKING PATTERN 147
APPENDIX -III AROGYAMITRA AND THEIR ROLE 148
APPENDIX -IV PROCEDURE FOR ENROLLMENT OF NETWORK
HOSPITALS
151
APPENDIX –V ACTIVITY CHART FOR INSURANCE COMPANY 154 APPENDIX- VI HEALTH CAMP POLICY 156
APPENDIX-VII MOU (PROVISIONAL) BETWEEN INSURER AND NETWORK HOSPITAL
159
~ 8 ~ Signature & stamp of Insurance Agency
PART - I Section A: Scheme
Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) would be implemented throughout the state of Maharashtra in phased manner for a period of 3 years. The insurance policy/coverage
under the RGJAY for the eligible beneficiary families in 8 districts of Phase I will be in force for an initial period of one year from the date of commencement of the policy (“Phase I”).
The extension of period of the policy will be subject to review and renewal of the policy on a yearly basis which will be based on the quality of experience and performance as well as annual IRDA renewal. Notwithstanding, anything to the contrary mentioned elsewhere in this
RFP the memorandum of understanding will be co – terminus with the insurance policy/coverage which is for a term of 1 year from (From 00.00 hrs. of 02.10.2011 to
Midnight of 01.10.2012 for Phase-I). Based on the quality of experience and performance of the RGJAY the State Government may at its sole discretion and without any obligation extend the RGJAY to cover the whole state.
1. NAME OF THE SCHEME:
Name of the scheme is Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY).
2. OBJECTIVE :
To improve access of Below Poverty Line (BPL) and Above Poverty Line (APL) families (excluding White Card Holders as defined by Civil Supplies Department) to quality medical
care for identified specialty services requiring hospitalization for surgeries and therapies or consultations through an identified network of health care providers.
2.a. BENEFIT:
The scheme would provide 972 surgeries/therapies/procedures along with121 follow up packages in following 30 identified specialized categories:
1 GENERAL SURGERY
2 ENT SURGERY
3 OPHTHALMOLOGY SURGERY
4 GYNAECOLOGY AND OBSTETRICS SURGERY
5 ORTHOPEDIC SURGERY AND PROCEDURES
6 SURGICAL GASTRO ENTEROLOGY
7 CARDIAC AND CARDIOTHORACIC SURGERY
8 PEDIATRIC SURGERY
9 GENITOURINARY SYSTEM
10 NEUROSURGERY
11 SURGICAL ONCOLOGY
12 MEDICAL ONCOLOGY
13 RADIATION ONCOLOGY
14 PLASTIC SURGERY
15 BURNS
16 POLY TRAUMA
17 PROSTHESES
18 CRITICAL CARE
19 GENERAL MEDICINE
20 INFECTIOUS DISEASES
21 PEDIATRICS MEDICAL MANAGEMENT
22 CARDIOLOGY
23 NEPHROLOGY
24 NEUROLOGY
25 PULMONOLOGY
26 DERMATOLOGY
~ 9 ~ Signature & stamp of Insurance Agency
27 RHEUMATOLOGY
28 ENDOCRINOLOGY
29 GASTROENTEROLOGY
30 INTERVENTIONAL RADIOLOGY
Detailed list of surgeries and therapies falling under above specified categories and their package rates are given at Appendix 1 a and that of follow up package are given at Appendix
1 b of Part-IV of the document. 3. BENEFICIARY FAMILIES:
Families holding yellow ration card, Antyodaya Anna Yojana card (AAY), Annapurna card and orange ration card from eight districts viz. Gadchiroli, Amravati, Nanded, Solapur, Dhule, Raigad, Mumbai city and Suburban Mumbai. The families with white ration card holding
would not be covered under the scheme. The beneficiary families would be identified through the “Rajiv Gandhi Jeevandayee Health Card” issued by the Government of Maharashtra or
based on the Yellow and Orange ration card issued by Civil Supplies Department. The total number of beneficiary families in the state would be around 2,04,30,527; out of which approximately 49 Lakh families in the 8 districts are to be covered under the scheme in first
phase as on the date of publishing of the Request for Proposal (RFP) document. District wise profile of the beneficiary families is given below:
Phase-I
Districts Population *Approximate number of
Beneficiary Families
1 Gadchiroli 970294 182889
2 Amravati 2607160 559473
3 Nanded 2876259 543961
4 Solapur 3849543 830011
5 Dhule 1707947 397674
6 Raigad 2207929 566231
7 Mumbai City 3338031 482073
8 Mumbai Suburban 8640419 1340828
Total 26197582 4903140
* Based on data furnished by Civil Supplies department as on 31.05.2010. The total number of beneficiary families for each District is an indicative estimate and may
vary. The number of the final beneficiary families for each district will be given within one month of signing MOU. The total premium payable would be based on this final figure of
eligible beneficiary families. 4. HEALTH CARDS
All eligible families in these districts shall be provided with Rajiv Gandhi Jeevandayee
Arogya Yojana Health Cards in due course of time. These Health Cards will be used for identification of Beneficiary families in the family under the Scheme. Family Health Cards
will be prepared by using data from valid yellow or orange ration cards coupled with Aadhaar numbers issued by UID authorities. As an interim measure till the issuance of health cards, the valid Orange/Yellow Ration Card with Aadhaar number or in case Aadhaar number not
available, any Photo ID card of beneficiary issued by Govt. agencies (Driving license, Election ID,) to correlate the patient name and photograph would be accepted in lieu of health
card. 5. FAMILY:
Family means members as listed and photographed on the Rajiv Gandhi Jeevandayee Arogya
Yojana Health Cards or holding valid Orange/Yellow Ration Card. 6. IDENTIFICATION:
Health card issued by Govt. of Maharashtra/Rajiv Gandhi Jeevandayee Arogya Yojana Society or valid Orange/Yellow Ration Card with Aadhaar number if Health card is not issued would act as a tool for beneficiary identification for availing the health insurance facility. The
~ 10 ~ Signature & stamp of Insurance Agency
following actions would be undertaken by Network hospitals in case of the possible exceptional situations: No. Exceptional Situation Requirement for benefit
1 No Health Card with beneficiary, but Valid Yellow or Orange Ration Card with name of beneficiary is available
Aadhaar number and in case Aadhaar number not taken any Photo ID card issued by Govt. ( Driving license, election identity card with photograph) to correlate the patient name & photograph (In instance of emergency admission, provisional preauthorization may be given subject to confirmation of it against submission of valid photo identity card issued by Govt. before discharge.)
2
Children born after issue of card i.e. name and photo not available on health card or on valid yellow/Orange ration card
Photograph of child with either parent along with Health card/ valid Yellow or Orange ration card of parent and Birth certificate issued by authorized office.
3
Name is there in Yellow or Orange Ration Card and matches with name in photo identity. But the card is invalid as it does not match with the digitized list.
Not eligible for benefit package (The yellow /Orange ration card is cancelled after verification by department but still the family is holding it)
7. PRE EXISTING DISEASES:
All Diseases under the proposed scheme shall be covered from day one. A person suffering from disease prior to the inception of the policy shall also be covered under approved
procedures for that disease.
8. SUM INSURED ON FLOATER BASIS:
The Scheme shall provide coverage for meeting all expenses relating to hospitalization of beneficiary up to Rs. 1,50,000/- per family per year in any of the Empanelled Hospital subject
to Package Rates on cashless basis through Health cards or valid Orange/Yellow Ration Card. The benefit shall be available to each and every member of the family o n floater basis i.e. the total annual reimbursement of Rs. 1.5 lakh can be availed by one individual or collectively by
all members of the family. In case of renal transplant surgery, the immunosuppressive therapy is required for a period of
1 year. So the upper ceiling for Renal Transplant would be Rs. 2,50,000 per operation as an exceptional package exclusively for this procedure. The cases are likely to be very few and well controlled by Human Organ Transplant Act 1994. The claims related to this have to be
settled by Insurer. 9. PAYMENT OF PREMIUM:
Rajiv Gandhi Jeevandayee Arogya Yojana Society / Government of Maharashtra will pay in
advance the insurance premium in installments on behalf of insured beneficiary families to the Insurance Company as mentioned in clause 10 of Memorandum of Understanding (MOU) or as decided by the Society or GoM.
10. PERIOD OF INSURANCE & PERIOD OF AGREEMENT:
The insurance coverage under the scheme for the beneficiary families in 8 districts of Phase I
shall be in force for an initial period of one year from the date of commencement of the policy (From 00.00 hrs. of 02.10.2011 to Midnight of 01.10.2012 for Phase-I). The period of MOU/agreement shall be for three years with effect from 02.10.2011; subject to
review and renewal of policy on yearly basis based on the quality of experience and performance as well as annual IRDA renewal. Based on the quality of experience and
performance of the scheme, the State Government/ Society may extend the scheme to cover the whole state.
10.a. PERFORMANCE SCURITY:
1) The successful insurer shall furnish the security deposit to the RGJAYS within 7 days from the date of communication of Award of Contract for an amount of 5%
of the contract value, valid up to 90 days after the date of completion o f warranty
~ 11 ~ Signature & stamp of Insurance Agency
obligations and enter into MOU on Rs. 100/- non-judicial stamp paper. The cost of Stamp paper should be borne by the insurer. The Security Deposit should be in the
form of Bank Guarantee in favour of the „Rajiv Gandhi Jeevandayee Arogya Yojana ' payable at Mumbai from any Nationalized or Scheduled bank.
2) The Security Deposit will be discharged by the Purchaser and returned to the successful Insurance Agency not later than 30 days following the date of completion of the Insurer‟s performance obligations by the end of first quarter of
execution of scheme, including the warranty obligation, under the MOU. 3) The security deposit shall be discharged (forfeited) as a compensation for any loss
resulting from the failure to perform the obligations under the MOU or in the event of termination of the MOU or in any event as the Purchaser thinks fit and proper.
4) Security deposit will not carry any interest.
10. b. PERFORMANCE PARAMETERS AND PENALTY CLAUSE:
The Insurer is required to perform multiple activities in performance of its obligations arising
out of the insurance contract to it. Any activity not performed by the insurer within the given time line shall hamper implementation of Rajiv Gandhi Jeevandayee Health Insurance Scheme from the planned date. Such activities have been listed here under which the
successful bidder is required to complete within the specified period from the date of award of the insurance contract to it failing which a penalty as specified percentage on total
premium against each section per week/month shall have to pay to the Society for the period of delay. Sr.
No
Activi ty Time frame from the
date of Signing of
Agreement
Penalty for the
delay in
execution in %
of component
charges
PENALTY PER WEEK
A a) Identifying the Project Officer
b) Setting up of Project Office with infrastructure in
Municipal Corporation of Greater Bombay
7 days
30 Days
1%
1%
B Preparation and Cert ification of software on receiving the
specification from Society.
3 month 1%
C Dedicated Website as per the requirement (envisaging
Empanelment MIS,HR MIS, Publicity and Camp MIS, E-
authorization MIS, Claim MIS,
Follow up monitoring MIS, Field operations Support service
MIS, Grievance MIS, Medical Audit MIS, Key performance
Indicators, Operation maintenance MIS)
3 months 2.0%
D Establishment of 24 Hrs Call Center and Establishment of other
infrastructure in each covered District
3 month 1%
E Establishment of sufficient in frastructure in each covered
District. Installation of kiosk, computer and accessories etc.
3 month 1%
F To identify the Hospital Network Providers and networking
with them.
3 months 0.5%
G To arrange cashless treatment of the insured in the empanelled
hospitals under the scheme and facilitation of proper
networking for quick and error-free processing of pre-
authorizations.
3 months 0.5%
H To provide adequate manpower, so as to ensure free flow of
daily MIS and ensure that progress of scheme is reported to
Society in the desired format on a real-time basis.
3 months 0.5%
I Preparation of various formats used for cashless transactions,
discharge summary, b illing pattern and other reports in
consultation with the Government.
1 months 0.5%
PENALTY PER MONTH
J Processing of claims related to the scheme. Pre-authorization of
requests and approval of preauthorization if all the conditions are
System to be ready in
3 months (Continuing
1%
~ 12 ~ Signature & stamp of Insurance Agency
Sr.
No
Activi ty Time frame from the
date of Signing of
Agreement
Penalty for the
delay in
execution in %
of component
charges
fulfilled, within 12 hours of receiving the preauthorization request
from the network provider if failure % is more than 5%)
activity)
K Scrutinize the b ills from network hosp itals and give
approval for the sanction of the bill and forward payment within 7
working days on receipt of complete claim document from the
Network Hospitals. (Failure % is more than 5% )
System to be ready in
3 months &
(Continuing activity)
1%
L Medical Auditing (by minimum qualification MBBS) for
conducting 20% per month concurrent audits of services and
quality of service provided to the beneficiary families delivered
by Network Hospitals on periodic basis as well as and required.
3rd month
(Continuing activity)
0.5%
M HR
a. Number of network hospitals and number of
Aarogymithras /Medical Coordinators, Camp Coord inators
posted- District wise, month wise, and aggregate
b. Number of Public facilit ies (CHCs/PHCs) and number of
Aarogymitras posted - District wise, month wise, and
aggregate
3rd month
Onwards
0.5%
N Training programme for Network Hospital Providers and other stake
holders ones in a month.
2nd
month onwards
(Continuing activity)
0.5%
11. PACKAGE:
The insurer should ensure that the Network hospitals follow the packages worked out by Rajiv
Gandhi Jeevandayee Society. The package rates will include bed charges in General ward, Nursing and boarding charges, Surgeons, Anesthetists, Medical Practitioner, Consultants fees, Anesthesia, Blood, Oxygen, O.T. Charges, Cost of Surgical Appliances, Medicines and
Drugs, Cost of Prosthetic Devices, implants, X-Ray and Diagnostic Tests, food to inpatient, one time transport cost etc. In other words the package should cover the entire cost of
treatment of patient from date of reporting to his discharge from hospital or 10 days after post surgery discharge including complications if any, making the transaction truly cashless to the patient. In instance of death, the carriage of dead body from network hospital to the
village/township would also be part of package.
12. CASH LESS TRANSACTION:
The Insurer has to ensure that adequate facilities are provided to all beneficiary families so that they do not have to pay any deposits at the commencement of the treatment or at the end
of treatment to the extent the Services as covered under the Rajiv Gandhi Jeevandayee Arogya Yojana. It is envisaged that for each hospitalization the transaction shall be cashless for covered procedures. Enrolled beneficiary will go to hospital and come out without making
payment to the hospital subject to procedure covered under the scheme. The same is the case for diagnostics, if, eventually the patient does not end up in undertaking the surgery or
therapy. The beneficiary has right to select network hospital and services of selected network hospital should be made available (Subject to availability of beds). In instance of non- availability of beds at network hospital, the facility of cross referral to nearest another
Network hospital is to be made available.
13. ONLINE CLAIM SETTLEMENT:
The Insurance Company shall settle the claims of the hospitals online within 7 working days of receipt of the Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from
patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost and other relevant documents to Insurer for settlement of the claim. The online progress of claim settlement will be scrutinized and reviewed by Rajiv Gandhi
Jeevandayee Arogya Yojana Society.
~ 13 ~ Signature & stamp of Insurance Agency
14. REFUND:
If there is a surplus after the pure claims experience on the premium (excluding Services Tax)
at end of the policy period, after providing 20% of the premium paid towards the Company‟s administrative cost, of the balance 80% after providing for claims payment and outstanding
claims, 90% of the left over surplus will be refunded to the Government/ Rajiv Gandhi Jeevandayee Arogya Yojana Society within 30 days after the expiry of the Run-off period. (Refer Para No. 27 related to run off period).
15. PROCEDURE FOR ENROLLMENT OF HOSPITALS:
The Public and Private Hospitals will be jointly empanelled within the State of Maharashtra by Rajiv Gandhi Jeevandayee Arogya Yojana Society and Insurance Company following the
empanelment procedure laid down by Rajiv Gandhi Jeevandayee Arogya Yojana Society. The hospitals having minimum of 50 inpatient hospital beds with adequate facilities and offering
the services as stipulated below shall be empanelled after being scrutinized and recommended by the Empanelment and Disciplinary Committee. Empanelment and Disciplinary Committee will constitute a subcommittee of four doctors for this purpose. Two doctors will be
nominated by Insurance Company and two by Rajiv Gandhi Jeevandayee Arogya Society. The purpose of this empanelment is to ensure capability of the hospital to provide some of the
identified 30 specialized categories and seek agreement to the equal or lower price for these 972 procedures and 121 follow up procedures and take an opportunity to assess the current quality of care therein. It would be the responsibility of the Insurer for enrollment of Network
Hospitals in the State of Maharashtra to give adequate facilities for the treatment of the patients when they present themselves. The number of empanelled hospitals and number of procedures in each hospital to be permitted will be based on the need and at discretion of the
society in the interest of beneficiary. Network hospitals are supposed to extend medical aid to the beneficiary under the scheme. Procedure for enrollment of Hospitals is placed as
Appendix- IV of Part IV. Preference for empanelment could be given to the hospitals accredited under National Board of Accreditation for Hospitals. It is also desired to accredit ate the empaneled hospital under National Board of Accreditation for Hospitals in order to
ensure quality of care.
16. MOU WITH NETWORK HOSPITAL AND RGJAY SOCIETY.
[ A) (i) MOU with Network Hospital:
The Insurer shall sign MOU with all the network hospitals to be empanelled under the scheme. Separate MOU‟s with relevant provisions have to be entered into for Multi-
speciality, Cancer Treatment etc. This MOU is subject to the approval of the Rajiv Gandhi Jeevandayee Arogya Yojana Society. The number of empanelled hospitals and number of procedures in each hospital to be permitted will be based on the need and at discretion of the
society in the interest of beneficiary. Network hospitals are supposed to extend medical aid to the beneficiary under the scheme. A provision will be made in MOU regarding non-
compliance / default clause. Such matter shall be looked in to by the Empanelment and Disciplinary Committee, the decision of which will be binding to all concerned.
(ii) Disciplinary actions against the hospitals:
On recommendation by the Empanelment and Disciplinary Committee the Insurer shall take various disciplinary actions against Network Hospital including De- listing from the
empanelment if it is found that guidelines of the Scheme are not followed by it and services offered are not satisfactory as per laid down standards. Hospital may also be delisted or de-empanelled if infrastructure in the hospital is found below the standards laid down by the
society any time during the policy period. In case of any delisting of empanelled hospitals, the insurer shall find alternative immediately.
B) (i) MoU with Rajiv Gandhi Jeevandayee Aarogya Yojana society
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The Insurer shall enter into the MOU with GOM / Rajiv Gandhi Jeevandayee Arogya Yojana Society given in Part IV (Provisional), which is an integral part of the scheme within 24 hours
of award of contract. (ii) Nonperformance by insurer
In the event of non-performance by the Insurer as per the guidelines (refer Clause 10.a) of the scheme, the insurer shall abide by the clause 11, 11.a and 17 as per MOU given in Part IV of the document.
17. STANDARDIZATION OF FORMATS:
The Insurance Company shall standardize various formats used for cashless transactions,
discharges summary, billing pattern and other reports in consultations with Rajiv Gandhi Jeevandayee Society.
18. IMPLEMENTATION PROCEDURE:
The Entire scheme is to be implemented as cashless hospitalization arranged by the Insurance Company. The following represents the process flow of treatment to the beneficiary.
A) Process Flow of the Beneficiary Treatment in the Network Hospital
Step 1
Beneficiary families shall approach nearby PHC/Rural, Sub district, General, Women/District Hospital/Network Hospital. Aarogyamitras placed in the above hospitals shall facilitate the beneficiary. If beneficiary visits Government Health Facility other than the Network Hospital,
he/she will be given a referral card to the Network Hospital with preliminary diagnosis by the doctors. The Beneficiary may also attend the Health Camps being conducted by the Network
Hospital in the Villages and can get that referral card based on the diagnosis. The information on the outpatient and referred cases in the PHC/Rural, Sub district, General, Women/DH and the camps will be collected from all Aarogyamitras/Hospitals on regular basis and captured in
the dedicated database through a well-established call center. Step 2
The Aarogyamitras at the Network Hospital examine the referral card and health card or Yellow/Orange Ration Card, register the patients and facilitate the beneficiary to undergo specialist consultation, preliminary diagnosis, basic tests and admission process. The
information like admission notes, test done will be captured in the ded icated database by the Medical Coordinator of the Network Hospital as per the requirement of the Rajiv Gandhi
Jeevandayee Arogya Yojana Society. Step 3
The Network Hospital, based on the diagnosis, admits the patient and sends E-
preauthorization request to the insurer, same can be reviewed by Rajiv Gandhi Jeevandayee Arogya Yojana Society.
Step 4
Recognized Medical Specialists of the Insurer and Rajiv Gandhi Jeevandayee Arogya Yojana Society examine the preauthorization request and approve preauthorization, if, all the
conditions are satisfied. This will be done within 12 working hours and immediately in case of emergency wherein e-preauthorization is marked as “EM”.
Step 5
The Network Hospital extends cashless treatment and surgery to the beneficiary. The Postoperative notes of the Network Hospitals will be updated on the website by the medical
coordinator of the Network Hospital. Step 6
Network Hospital after performing the covered surgery/ therapy/ procedure forwards the Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost
and other relevant documents to Insurer for settlement of the claim. The Discharge Summary and follow-up details will be part of the Rajiv Gandhi Jeevandayee Arogya Yojana Society
portal.
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Step 7
Insurer scrutinizes the bills and gives approval for the sanction of the bill and shall make the
payment within agreed period as per agreed package rates. The claim settlement module along with electronic clearance and payment gateway will be part of the workflow in Rajiv
Gandhi Jeevandayee Arogya Yojana Society portal and will be operated by the Insurer. The reports will be available for scrutiny on the Rajiv Gandhi Jeevandayee Arogya Yojana Society login.
Step 8
The Network Hospital will provide free follow-up consultation, diagnostics, and medicines
under the scheme up to 10 days from the date of discharge. B) Health camps
Health Camps are to be conducted in Taluka Head Quarters, Major Gram Panchayats and
Municipalities. Minimum of one camp per week per empanelled hospital has to be held in the eight districts in the policy year. The insurer shall ensure that at least one free medical camp is conducted by each network hospital per week at the place suggested by Rajiv Gandhi
Jeevandayee Arogya Yojana Society. The Rajiv Gandhi Jeevandayee Medical Camp Coordinator MCCOs of the hospital shall coordinate the entire activity. Network hospital shall
carry necessary screening equipment along with specialists (as suggested by the Rajiv Gandhi Jeevandayee Arogya Yojana Society) and other Para-medical staff. The Insurer shall put in the minimum requirements as regards the health camp in the MOU with the hospitals. The
empaneled hospital shall work in close liaison with district coordinator of the Insurance Company, Civil Surgeon/District Health Officer in consultation with District Collector.
Hospital shall follow the Camp policy of Rajiv Gandhi Jeevandayee Arogya Yojana Society. C) District level co-ordination:
District level offices with necessary infrastructure have to be set-up by the Insurance
Company. The Insurer needs to have district level monitoring staff with District Coordinators, & State Coordinators of the Insurance Company. They should monitor Aarogymitras, co-
ordinate with network hospital, district administration and people‟s representatives for effective implementation of the Scheme. They should ensure that camps are held as per schedule, arrange for canvassing for the camp, mobilize patients and follow up the beneficiary
families. They should work in close liaison with district administration under the supervision of District Collector. They should also ensure proper flow of MIS and report to society on day
to day basis about the progress of the scheme in the district. The Insurance Company should ensure that dedicated staff is made available for the scheme. There shall be at least one doctor to be placed in each district. Further, wherever the concentration of the Network Hospitals is
more additional doctors need to be placed. The Insurance Company shall follow the instructions of Rajiv Gandhi Jeevandayee Arogya Yojana Society in this regard.
19. AAROGYAMITHRAS
a) Aarogyamithras in Primary Health Centers (PHC)/Rural Hospitals (RH)/Sub District Hospitals(SDH)/District Hospitals (DH)/General Hospitals (GH)/Women Hospitals(WH):
The unique nature of the scheme demands the insurance company to appoint Aarogyamithras in consultation with Rajiv Gandhi Jeevandayee Arogya Society in PHCs/RH/SDH/GH/WH and district Hospitals of selected 8 Districts for propagating the scheme, mobilizing people
for health camps, counseling beneficiary families facilitating the referral/treatment of these patients and follow up. For effective and instant Communication all the Aarogyamithras will
have to be provided with cell phone CUG connectivity by the Insurance Company. b) Aarogyamithras in Network Hospitals: The Insurance Company also needs to appoint at least one Aarogyamithra at all network hospitals round the clock to facilitate admission,
treatment and cashless transaction of patient. The Aarogyamithras should also help hospitals in pre-authorization, claim settlement and follow-up. They should also ensure proper
reception and care in the hospitals and send regular MIS to call center. Insurance Company shall provide all Aarogyamithras with cell phone having CUG connectivity with SMS based
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reporting framework for effective and instant communication. The Insurance Company shall ensure that prefabricated Aarogyamithras kiosks with all additional requirements as per the
design approved by the society is put up in all hospitals. The role of Aarogyamithras can be modified by Rajiv Gandhi Jeevandayee Arogya Yojana Society from time-to-time.
The Insurer will provide uniform and arrange the workshops/training sessions for the Aarogyamithras as per guidelines specified by Rajiv Gandhi Jeevandayee Society. The detailed note on Aarogyamithras and their role are given at Appendix III of Part-IV of the
document. 20. WEB PORTAL:
All activities related to the scheme shall be done through a dedicated portal of Rajiv Gandhi Jeevandayee Society, the development and maintenance cost of which will be borne by the Insurer. The source code and system design document for the application exclusively
developed by Insurer for Rajiv Gandhi Jeevandayee Arogya Yojana shall be provided in good working condition to Rajiv Gandhi Jeevandayee Arogya Yojana Society. A dedicated data
center in the name of Rajiv Gandhi Jeevandayee Yojana will be maintained by the Insurer. The proprietary rights of software will be with Government of Maharashtra and the Insurance Company shall execute all the necessary documents for assignment/transfer of the software to
the Rajiv Gandhi Jeevandayee Arogya Yojana Society. Patient records will be property of Rajiv Gandhi Jeevandayee Arogya Yojana Society. Confidentiality of patient records shall be
maintained by the Insurer. Insurance Company will develop the Software as per the requirement of the Scheme on the directions & guidelines as mandated by Rajiv Gandhi Jeevandayee Arogya Yojana
Society. The web portal will be a repository of information and will have the following features and
the respective workflows: 1. General Information on the scheme. 2. Details of patients reporting and referrals from the PHC / Rural/ Sub-
district/Women/General/District hospitals on daily basis. 3. E-Health Camps system and daily reporting of health camps.
4. Details of patients reporting and getting referred from the health camps. 5. E-Empanelment system. 6. Emergency approval system.
7. Call centre application. 8. Patient registration by Aarogyamithra in Network Hospitals.
9. Details of in-patients and out patients in the network hospitals. 10. On-bed reporting system. 11. Costing of the Tests done in the network hospitals.
12. E-preauthorization. 13. Surgery details.
14. Discharge details. 15. Real-time reporting, active data warehousing and analysis system. 16. Claim settlement.
17. Electronic clearance of bills with payment gateway. 18. Follow-up of patient after surgery.
19. Distribution of Follow-up medicines. 20. Rajiv Gandhi Jeevandayee Messaging Services. 21. Grievance and Feedback workflow.
22. Back Tracking System. 23. E-Office management.
24. Accounting system. 25. TDS workflow. 26. Death reporting system. [
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21. ONLINE MIS AND 24 HOURS E- PREAUTHORIZATION.
The Insurance Company should post enough dedicated staff, so as to ensure free flow of daily
MIS and ensure that progress of scheme is reported to society in the desired format on a real-time basis. The company should establish proper networking for quick and error- free
processing of pre-authorizations. The pre-authorization has to be done round the clock in co-ordination with Rajiv Gandhi Jeevandayee Arogya Yojana Society i.e. by a team of doctors from the Rajiv Gandhi
Jeevandayee Arogya Yojana Society and Insurance Company.
The preauthorization team shall have all the specialists concerned with the procedures covered in the scheme on a permanent basis. Rajiv Gandhi Jeevandayee Arogya Yojana Society will
provide necessary specialists and technical committees to evaluate special cases from time-to-time. Rajiv Gandhi Jeevandayee Arogya Yojana Society will provide necessary specialists to
evaluate special cases. A technical committee consisting of specialist from Government Sector nominated by Rajiv Gandhi Jeevandayee Society in the concerned field, CMO of the
Insurer and the Project Manager of the Insurer will evaluate and recommend to the CEO of Rajiv Gandhi Jeevandayee Society. In instance of dispute, the final decision on preauthorization rest with the CEO of Rajiv Gandhi Jeevandayee Society.
[There should be inbuilt anonymity of name of network hospital and health card number in the
software while giving preauthorization and claim settlement. [ [
22. MEDICAL AUDITORS : The Insurance Company shall appoint enough number of medical auditors, who do pre-authorization in consultation with Rajiv Gandhi Jeevandayee Society. The Insurer shall also
recruit specialized doctors for regular inspection of hospitals, attend to complaints from beneficiary families directly or through Aarogyamithras for any deficiency in services by the
hospitals and also to ensure proper care and counseling for the patient at network hospital by coordinating with Aarogyamitras and hospital authorities.
23. PUBLICITY: The Insurance Company on its part should ensure that proper publicity is given to the scheme
in all possible ways. This will include publicity on electronic and print media, distribution of brochures, banners, display boards etc. in public at appropriate places in consultation with RGJAYS. The annual spending on this activity should be two percent of total premium
amount received annually by the insurer. They shall also effectively use services of Aarogyamitras and district Coordinators for this purpose.
24. IN HOUSE SYSTEM:
The Insurer will establish in-house system to provide all such facilities elaborated under the scheme. The Insurer will submit detailed list of staff appointed for Rajiv Gandhi Jeevandayee
Arogya Yojana with their designations, responsibilities and contact numbers before the commencement of policy to the RGJAYS.
25. PROJECT OFFICE AND STATE LEVEL COORDINATION
The insurer shall nominate within 7 days of signing the MOU responsible officer/officers to properly coordinate above work and ensure proper implementation of scheme up to the
satisfaction of Rajiv Gandhi Jeevandayee Society. They shall review the progress with Rajiv Gandhi Jeevandayee Arogya Yojana Society on day-to-day basis and be responsible to
implement the suggestions of Rajiv Gandhi Jeevandayee Arogya Yojana Society for effectively running the scheme. The Project Office of the Insurance Company shall be separately established at a place desired by Rajiv Gandhi Jeevandayee Arogya Yojana Society
and also provide adequate space for Society for better coordination. The Project office shall report to the Rajiv Gandhi Jeevandayee Arogya Yojana Society on a daily basis in the
prescribed proformas. The following departments shall be established by the Insurance Company in the Project Office:
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a. 24 hour call center with toll free help line and online workflow. b. Field Operations Department to coordinate the daily activities of field staff.
c. MIS Department to collect, collate and report data on a real–time basis. This department will also have a subunit with operators who collect hourly information
from the Aarogyamitras, regional co-coordinators, district coordinators etc. Based on this the reverse flow of dissemination of information shall also take place. There shall be subunits for each district. The MIS department shall also follow-up the
cases at all levels. The department shall also generate reports as desired by Rajiv Gandhi Jeevandayee Society.
d. HR Department to manage human resources for the scheme. e. Training Department for capacity building of all stakeholders (those who affect
the outcome and those who are affected by outcome) and staff.
f. IT Department to ensure that the website with e- pre-authorization, claim settlement and real –time follow-up is maintained and updated on a 24 hour basis.
g. Round the clock pre-authorization Department with specialist doctors for each category of diseases shall work round the clock along with Rajiv Gandhi Jeevandayee Arogya Yojana Society doctors to see that the pre-authorization is
given within 12 working hours and immediately in case of emergencies. The doctors shall also undertake inspection of hospitals.
h. Claims settlement Department with electronic clearance facilities. i. Health Camp Department to plan intimate implement and follow-up the camps as
per the directions of Rajiv Gandhi Jeevandayee Society.
j. Publicity and logistics Department to undertake all the publicity and logistics activities as specified by Rajiv Gandhi Jeevandayee Society.
k. Grievance Department to be manned by doctors and other staff to address the grievances as per the instructions of the Rajiv Gandhi Jeevandayee Society.
l. Follow up Department to coordinate the follow-up consultations and distributions
of drugs as per the instructions of Rajiv Gandhi Jeevandayee Society. m. Empanelment Department to empanel the hospitals in the network as per the
guidelines given by the society and monitor the compliance. n. Feedback Department to send feedback formats collect and analyze feedback of
the patients as per the directions of Rajiv Gandhi Jeevandayee Society. The
Department will also document each case and upload the same in the Rajiv Gandhi Jeevandayee Arogya Yojana Society portal.
o. Administration Department for office management. p. Vigilance Department for keeping vigil on all services providers and staff q. Accounts Department
r. Other Departments required for office work. 26. CAPACITY BUILDING
I. The Insurer will arrange the workshops / training sessions for the capacity building of the society personnel, their representatives and other stakeho lders in respect of specific field of insurance at each district on the convenience of the society. Insurer
will ensure that workshops and medical camps are organized in association with the network hospitals.
II. The help of NGOs/SHGs will be taken by the Rajiv Gandhi Jeevandayee Help Desk/Rajiv Gandhi Jeevandayee Assistance Counters to spread awareness and guide the prospective patients to the network hospitals. The Insurer will associate in
this task. 27. RUN OFF PERIOD
A Run off Period of one month will be allowed after the expiry of the policy. This means that pre-authorization can be done till the end of policy period and surgeries for such pre-
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authorizations can be done up to one month after the expiry of policy period and all such claims will be honored by the Insurance Company.
28. RAJIV GANDHI JEEVANDAI MANUAL Rajiv Gandhi Jeevandayee Arogya Yojana Society will publish a detailed Manual for the
Scheme titled Rajiv Gandhi Jeevandayee Arogya Yojana Manual consisting of all operational guidelines and details of the scheme. Rajiv Gandhi Jeevandayee Arogya Yojana Society may update and modify these guidelines and operational details as per the requirement of the
scheme. The insurer shall follow the guidelines and instructions given in the manual while implementing the scheme.
29. PRE PROPOSAL MEETING
1. A Pre Proposal meeting of the prospective bidders will be held at 15.00 hrs. on
17.06.2011 in the Conference Hall of Arogya Bhavan, Directorate of Health Services
Mumbai, to clarify any queries the Insurance Agencies may have, and for providing additional information if any. No separate intimation of the Pre Proposal meeting will
be sent to the prospective Insurance Agencies, unless there is a change in the time, date or venue of the Pre Proposal meeting.
2. A copy of the proceedings of the Pre Proposal meeting will be sent to all the
prospective Insurance Agencies. The decisions and clarifications denoted in the Proceedings of the Pre Proposal meeting shall be final and binding to all the Insurance
Agencies & minuted decision of pre proposal meeting will be a part of RFP document. 30. PROPOSAL VALIDITY PERIOD:
1. The Proposal shall remain valid for a maximum period of six calendar months from the
Date of declaration after opening financial proposal. 2. (Technical bid). A bid valid for a shorter period shall be rejected 3.. Prior to the expiration of the bid validity the Purchaser may request the Insurance Agency to extend the bid validity for the period as required by the Purchaser
31. FORMATION OF CONSORTIUM:
Eligible Insurance Agencies shall submit their Proposal as a single entity only. Formation of Consortium is not allowed to Proposal. Such Proposals shall be cancelled and not evaluated.
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PART II
SUBMISSION OF TECHNICAL AND FINANCIAL PROPOSALS
Rajiv Gandhi Jeevandayee Arogya Yojana Society/ Government of Maharashtra seek detailed Proposal documents from insurance companies interested in implementing “Rajiv Gandhi
Jeevandayee Yojana for 30 identified specialized categories envisaging 972 procedures and 121 follow up procedures in all the districts of Maharashtra for approximately 2 crore families for a period of 3 years, with a proviso that initially scheme will be launched in 8 districts of
State of Maharashtra for approximately 49 lakh families for 1 year. Renewal of scheme after initial one year and also extension to other districts of the state will be subject to the review of
quality of experience and also performance of the scheme. 1. SUBMISSION OF PROPOSALS:
The Insurance Agency must submit the proposal as per the details mentioned below:
i. Technical proposal both hard and soft format should be sealed in a separate envelop clearly marked in BOLD “SECTION A & B- “TECHNICAL
PROPOSAL OF RAJIV GANDHI JEEVANDAI YOJANA FOR EIGHT
DISTRICTS” written on the top of the envelope. Under no circumstances shall the financial quote appear anywhere in
Technical Proposal and the technical Proposal shall stand rejected if
quoted”.
ii. Financial proposal in hard format should be sealed in another envelop clearly marked in BOLD “SECTION C- FINANCIAL PROPOSAL FOR RAJIV
GANDHI JEEVANDAI YOJANA FOR EIGHT DISTRICTS” written on
the top of the envelope. iii. Both envelop should have the Insurance Agencies Name and Address clearly
written at the Left Bottom Corner of the envelope. iv. Both envelops should be put in a larger cover / envelop, sealed and clearly
marked in BOLD have
“SECTION A&B – “TECHNICAL PORPOSAL FOR RAJIV GANDHI
JEEVANDAI YOJANA FOR EIGHT DISTRICTS”
“SECTION C – FINANCIAL PROPOSAL FOR RAJIV GANDHI
JEEVANDAI YOJANA FOR EIGHT DISTRICTS”
Written on envelop and have the Insurance Agencies Name and Address clearly
written in BOLD at the Left Bottom Corner. v. The Proposals shall be cancelled and not evaluated if the Insurance Agency
fails to: a. Clearly mention Technical / Financial Proposal on the respective
envelops as mentioned in clause 1.0 –I to IV above under Part III.
b. To seal the envelope properly with sealing tape. c. Submit both envelops i.e. financial proposal and Technical Proposal
together keeping in large envelop. d. Give complete Proposals in all aspects. e. Submit Financial Proposals in the specified proforma (Section C).
f. To submit soft copy of Technical Proposal in respective cover.
2. SIGNATURE ON EACH PAGE OF DOCUMENT:
The competent authority of the Insurance Agency must sign and put official stamp on eac h paper of Proposal. Any document / sheet not signed may lead to rejection of Proposal. 3. DEADLINE FOR SUBMISSION of PROPOSAL / PROPOSALS:
Complete Proposal documents should be received at the address mentioned below not later than 13.00 hrs. on 30 th June 2011. Proposal documents received later than the
prescribed date and time will not be entertained under any circumstances. Late Proposal
documents on any count shall be rejected summarily. Delay due to Post or any other reason will not be condoned.
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Complete Proposal documents should be submitted in two envelopes i.e. Technical RFP in envelope no.1& Commercial bid in Envelope no. 2. Both bids i.e. Technical RFP & Commercial RFP should be put in one envelope indicating RFP No. Subject & Date of opening of RFP
Address:
Dr. G. S. Chindhe, Joint Director,
Procurement cell, Directorate of Health Services,
On behalf of Rajiv Gandhi Jeevandayee Arogya Yojana Society
Arogya Bhavan First Floor, Procurement cell,
St. Georges’ Hospital campus, Mumbai 400001Mumbai
Phone: 022-22631831, 022-22651026
Fax: 022-22625799
E-mail: [email protected]
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PART-III
PROCESS: ASSIGNMENT AND GENERAL GUIDELINES
1. PROCEDURE FOR EVALUATING PROPOSALS The Proposals received within stipulated period and collected in Proposal Box are opened in the presence of Company Representatives. First the Larger Covers are opened and then
Technical and Financial Proposals will be segregated. Then the Technical Proposals will be opened in the presence of Company Representatives. Technical Committee nominated by
Rajiv Gandhi Jeevandayee Arogya Society / Government of Maharashtra will evaluate the technical proposals. Once the technical Proposals have been evaluated, the successful Insurance Agencies will be informed about the date of opening of financial Proposals.
Financial Proposals of only those Insurance Agencies will be opened who are declared successful in the technical Proposal Evaluation stage. Insurance company which are in full
conformity with RFP requirements and conditions shall be declared as Eligible insurance company for opening Envelope no. 2 and Envelope No. 2 (Commercial bid) of such insurance company shall be opened later, on a given date and time. Financial Proposals will be opened
in presence of the representatives of insurance companies that have been declared successful in the technical Proposal evaluation stage. Then Financial Proposals will be evaluated by
financial committee nominated by Rajiv Gandhi Jeevandayee Arogya Society / Government of Maharashtra. The Technical and Financial proposals should be sealed by the Insurance Agency in separate
covers duly super-scribed and both these sealed covers are to be put in a bigger cover which should also be sealed and duly super-scribed.
The Technical Proposals will be evaluated by the Technical Proposal Evaluation Committee duly constituted by the Government of Maharashtra (“GOM”). Financial Proposals of only the technically acceptable offers shall be opened before the successful Insurance Agencies.
2. AWARD OF CONTRACT
Rajiv Gandhi Jeevandayee Arogya Yojana Society / Government of Maharashtra shall award
the contract to the successful Insurance Agency whose Proposal has been determined to be substantially responsive, lowest evaluated Proposal, provided further that the Insurance Agency has been determined by the Rajiv Gandhi Jeevandayee Arogya Yojana Society/
Government of Maharashtra to be qualified to perform the contract satisfactorily. 3. RIGHT TO NEGOTIATE AT THE TIME OF AWARD
Rajiv Gandhi Jeevandayee Arogya Yojana Society/ Government of Maharashtra reserve the right to negotiate with lowest Insurance Agency after opening the Financial Proposal. 4. RAJIV GANDHI JEEVANDAI AROGYA YOJANA SOCIETY / GOVERNMENT OF
MAHARASHTRA‟S RIGHT TO ACCEPT OR REJECT ANY OR ALL PROPOSALS: Rajiv Gandhi Jeevandayee Arogya Yojana Society / Government of Maharashtra reserves the
right to accept or reject any Proposal or annul the Selection process and reject all Proposals at any time without assigning any reason prior to award of contract, without thereby incurring any liability to the affected Insurance Agency or Agencies. Rajiv Gandhi Jeevandayee
Arogya Yojana Society / Government of Maharashtra is not bound to accept the lowest or any Proposal. Incomplete Proposals and financial Proposals with extra attachments are liable to be disqualified.
5. NOTIFICATION OF AWARD AND SIGNING OF MOU:
The Notification of Award will be issued with the approval of the Proposal Accepting
Authority. The terms of MOU are non-negotiable and the successful insurance company shall sign the MOU proposed by Rajiv Gandhi Jeevandayee Arogya Yojana Society/ Government of Maharashtra at part IV of the document in duplicate within 24 hours of
declaration of „award of contract‟, failing which the contract may be offered to the next Insurance Agency in order of merit. Once the MOU is signed, the insurer will have no right to
cancel the MOU signed between Rajiv Gandhi Jeevandayee Arogya Yojana Society/ Government of Maharashtra and insurer.
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6. CONFIDENTIALITY:
Information relating to the examination, clarification, evaluation, and comparison of
proposals, and recommendations for the award of a Contract shall not be disclosed to insurers or any other persons not officially concerned with such process until the notification of
Contract award is made. Any effort by the insurer to influence the Purchaser in the Purchaser's proposal evaluation, proposal comparison, or contract award decisions may result in the rejection of the Insurer's
proposal. 7. CANVASSING, FRAUDULENT AND CORRUPT PRACTICES:
Insurance Agencies are hereby informed that canvassing in any form for influencing the process of notification of award would result in disqualification of the Insurance Agency. Further, they shall observe the highest standard of ethics and will not indulge in any corrupt,
fraudulent, coercive, undesirable or restrictive practices, as the case may be. “Corrupt practice” means the offering, giving, receiving or soliciting of anything of value to
influence the action of the public official “Fraudulent practice” means a misrepresentation of facts in order to influence RFP process or an execution of a contract to the detriment of RGJAY, and includes collusive practice
among Insurers/Authorized Representative (prior to or after Proposal submission) designed to establish Proposal prices at artificial non-competitive levels and to deprive RGJAY free and
open competition; “Collusive practice” means a scheme or arrangement between two or more Insurance Agency, with or without the knowledge of the Purchaser, designed to establish RFP prices at
artificial, noncompetitive level; and “Coercive practice” means harming or threatening to harm, directly or indirectly, persons or their property to influence their participation in the
procurement process or effect the execution of the contract Government of Maharashtra will re ject a proposal for award if it determines that the Insurer/Insurers have engaged in corrupt or fraudulent practices
Government of Maharashtra will declare a firm ineligible, either indefinitely or for a stated period of time, to be awarded a contract if it at any time determines that the Selection
Insurer/Insurers has engaged in corrupt and fraudulent practices in competing for, or in executing, a contract. Amendment/Cancellation of Proposal Documents
a) At any time prior to the deadline for submission of Proposals, the Rajiv Gandhi Jeevandayee Arogya Yojana Society/ Government of Maharashtra may, for any reason
modify the RFP documents, by amendment or cancel the process. b) The amendment will be notified in writing/by e-mail/by fax or through website to all prospective
Insurance Agencies who have taken the RFP documents and amendments will be binding on them.
c) To give prospective Insurance Agencies reasonable time in which to take the amendment into account in preparing their RFP document, the Purchaser shall extend, at its discretion, the deadline
for submission of RFP document, in which case, the Purchaser will notify all Insurance Agencies by placing it on website of the extended deadline and will be binding on them.
d) Any addendum/corrigendum as well as clarification thus issued shall be a part of the RFP documents and it will be assumed that the information contained in the amendment will have been
taken into account by the Insurance Agencies in its RFP.
NOTE: Oral statements made by the Insurance Agency at any time regarding quality
of service or arrangements of any other matter shall not be considered.
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SECTION A
GENERAL INFORMATION AND UNDERTAKING BY THE INSURANCE
AGENCY IN THE PRESCRIBED PROFORMA ENCLOSED.
TECHNICAL PROPOSAL
GENERAL INFORMATION
1 Name of the Insurance Company
2 Address of Head Office
3 Name and designation of the person submitting the proposals
4 Status Public Sector / Private Sector
DECLARATION BY THE INSURANCE AGENCY
I, _________________________________ Designated as _______________
at_____________________________ of ___________________________
Insurance Company hereby declare that I have read & the contents of the RFP
document, consisting of Part I to IV and having agreed to the contents here by submit
the Proposal in the desired format with respective proformas duly signed by me , If our
Proposal is found successful, the company is agreeable to execute the MoU as given in
part II with in twenty four hours (excluding public holidays) after the award.
DATE: AUTHORIZED SIGNATORY
Seal
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SECTION B
Technical Information (A) Qualifying Criteria:
a. General Insurance Company should be registered with IRDA to undertake
insurance related activities. The Insurer should attach a self-attested recent copy of the license as a proof of its registration (Annexure-1 of Part III). Insurance company should have an experience in conceptualizing, designing and
implementing large health insurance schemes and have at least three years‟ experience in catering to health insurance of 10,00,000 families or more enrolled under each
group health insurance policy in the year 2008-09, 2009-2010 and 2010-2011 (Annexure -2 of Part III). Health insurance policies issued for various districts within a State for specific scheme implemented by state/pan India scheme implemented by
Central Govt. on all India basis will be considered as one policy during the financial year.
b. Insurance Company must submit supporting attested documents of past performance along with RFP. Insurance Agency must furnish their complete business address VAT/TAN. PAN registration documents attested copies and a Certificate from Charted Accountant showing revenue income receipts on said business during last three financial years. Insurance Company shall produce Audited Balance Sheet and Profit and Loss Accounts for last three years i.e. 2007-08, 2008-09 & 2009-10 certified by the Auditor.
c. Declaration from the insurer that the Insurance Agency has not been black listed/debarred by any State Government/Central Government or its agencies or not
qualified in participating the Government schemes as per IRDA guidelines. (Annexure -3 of Part III) Declaration from the insurer that the Insurer will establish in-house system to provide
all such facilities elaborated under the scheme.. (Annexure -3a of Part III) d. The Insurer has to provide an undertaking, as per format expressing their explicit
agreement to adhere with the details of the scheme as mentioned in the Part I of the RFP document. (Annexure -4 of Part III) e. The Insurer has to provide an undertaking, as per format confirming that they have
submitted their Proposal as a single entity only and have not form a Consortium for the scheme. (Annexure– 5 of Part III)
f. Tailor made policy of the desired Health Insurance Scheme in conformity to the benefits available, exclusions, conditions etc. There is no structured format for this. (Annexure– 6 of Part III)
B. Others:
(i) Office Infrastructure
Company shall submit the details of office infrastructure in the state and in the concerned
districts in Annexure 7. A detailed organogram with existing manpower may be attached apart from the annexure if desired. (Annexure –7 of Part III) (ii) Activity Chart
The scheme covering the valid yellow and orange ration card holders needs to be launched within time frame. Hence the Insurance Company shall submit a time bound action plan, not
exceeding the date of launch, in Annexure – 8 to mobilize sufficient infrastructure and manpower as per the requirement. (Annexure-8 of Part III) (iii) Plan of Health Camps
The Insurance Agency shall give a detailed action plan on organizing health camps as prescribed in Para 18 D of part I. There is no structured format for this. (Annexure-9 of Part
III) (iv) Empanelled Health Facility with the Insurance Agency
Fresh empanelment of network hospitals has to be done for this Phase. Hence the number of
specialty hospital already empanelled with the Insurance Company in other schemes in the
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State and concerned Districts. Insurer shall enumerate only those hospitals having requisite infrastructure as per the scheme. (Annexure-10 of Part III)
(v) Any Other Information, if any.
Any other information Insurer desires to inform, which is relevant to the scheme. There is no
structured format for this. (Annexure-11 of Part III) NOTE:
Insurance Agency shall give point wise reply of the RFP document for agreement /
disagreement and attach the necessary annexure as mentioned above.
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Please submit the following:
1 -Qualifying
Criteria:
Details Annexures of
Part III
a IRDA license Annexure-1
b Insurance company should have an experience in conceptualizing, designing and implementing large
healthcare schemes and have at least three years‟ experience in catering to health insurance of 10,00,000
families across the country or more underwritten under each group health insurance policy in the financial year 2008-2009, 2009-2010 and 2010-2011 on State / Pan India
basis.
Annexure-2
c Declaration from the insurer that the Insurance Agency has not been black listed/debarred by any State
Government/Central Government or its agencies or not disqualified in participating the Government schemes as per IRDA guidelines.
Annexure-3
Declaration from the insurer that the Insurer will establish in-house system to provide all such facilities elaborated under the scheme.
Annexure-3a
d An undertaking as per format expressing their explicit
agreement to adhere with the details of the scheme as mentioned in the Part I of the RFP document.
Annexure-4
e An undertaking as per format confirming that they have
submitted their Proposal as a single entity only and have not form a Consortium for the scheme.
Annexure-5
f Tailor made policy of the desired Health Insurance Scheme in conformity to the benefits available, exclusions,
conditions etc. There is no structured format for this.
Annexure-6
2 - Others
i Company shall submit the details of office infrastructure in the state and in the concerned districts. A detailed
organogram with existing manpower may be attached apart from the annexure if desired.
Annexure-7
ii Activity Chart Annexure-8
iii Plan for Health Camps. There is no structured format for
this.
Annexure-9
iv Empanelled health facilities with Insurer Annexure-10
v Any Other information, if any. There is no structured format for this.
Annexure-11
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ANNEXURE-1
ATTACH ATTESTED COPY OF IRDA LICENSE
~ 29 ~ Signature & stamp of Insurance Agency
ANNEXURE-2
EXPERIENCE IN GROUP HEALTH INSURANCE
OF THE COMPANY IN INDIA
a. Experience in conceptualizing, designing and implementing large healthcare schemes and have at least three year experience in catering to health insurance of 10,00,000 families
across the country or more underwritten under each group health insurance policy in the financial year 2008-2009, 2009-2010 and 2010-2011 on State / Pan India basis.
b. Number of beneficiary families‟ means enrolled under Group Health Insurance Scheme.
c. Insurers having Coinsurance for the purpose of risk sharing shall not qualify under the scheme.
Sr.
No.
Name of the
Group
Health
Insurance
Scheme
Name
of the
State
Policy
period
Number
of enrolled
Families
Premium (in Rs.) Claims
Number of
enrolled
beneficiary
families
Per
Family
(Rs.)
Total
Premium
(Rs in
Lakh)
Received
(no.)
Settled/
Under
Process
(Rs in
Lakh)
1 2 3 4 5 6 7 8 9
2008-09
1
2
3
2009-10
1
2
3
2010-11
1
2
3
DATE: AUTHORIZED SIGNATORY
Seal
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ANNEXURE – 3 NAME AND ADDRESS OF THE INSURANCE COMPANY
DECLARATION (ON BOND PAPER OF RS. 100)
BY THE INSURANCE AGENCY
I, __________________________________________________________ Designated as ___________________________________________at_______________________
_____ of ______________________________________________ Insurance Company hereby declare that Our Insurance Company has not been black
listed/debarred by any State Government/Central Government or its agencies or not disqualified in participating the Government schemes as per IRDA guidelines.
DATE: SIGNATURE
Stamp: Name:
Designation
Address:
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ANNEXURE-3A
NAME AND ADDRESS OF THE INSURANCE COMPANY
DECLARATION (ON BOND PAPER OF RS. 100)
BY THE INSURANCE AGENCY
I, __________________________________________________________
Designated as ________________________________________at__________________________
__ of ______________________________________________ Insurance Company hereby declare that the Insurer will establish in-house system to provide all such facilities elaborated under the scheme.
DATE: SIGNATURE Stamp: Name:
Designation:
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ANNEXURE – 4 NAME AND ADDRESS OF THE INSURANCE COMPANY
DECLARATION (ON BOND PAPER OF RS. 100)
BY THE INSURANCE AGENCY
I, __________________________________________________________ Designated as
________________________________________at____________________________ of ______________________________________________ Insurance Company hereby declare that I have read the contents of the RFP Document consisting of Part
I to IV and having explicit agreement to adhere with the details of the scheme as mentioned in the RFP for implementation of the RGJAY given therein. I hereby
submit the Proposal in the desired format with respective proformas duly signed by me. If our Proposal is found successful, the company is agreeable to execute the MoU within twenty four hours (excluding public holidays) after the award.
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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ANNEXURE – 5
NAME AND ADDRESS OF THE INSURANCE COMPANY
UNDERTAKING (ON BOND PAPER OF RS. 100)
BY THE INSURANCE AGENCY
I,________________________________________________________designated
as ________________________________at_________________________________
_____ of ___________________________________ Insurance Company __________ hereby give an undertaking that the Proposal has been submitted as a single entity and has not formed any consortium with other Insurance Agencies
under RGJAY scheme.
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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ANNEXURE – 6
TAILOR MADE POLICY OF THE DESIRED
HEALTH INSURANCE SCHEME IN CONFORMITY
TO THE BENEFITS AVAILABLE, EXCLUSIONS, CONDITIONS ETC.
DATE: SIGNATURE
Stamp: Name:
Designation:
Address:
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ANNEXURE-7
OFFICE INFRASTRUCTURE IN THE STATE AND
IN THE CONCERNED DISTRICTS.
Office Number of Branches
All India
(Numbers)
State (
Numbers) Number of Branches
Gad
chir
oli
Am
ravati
Nan
ded
Sola
pu
r
Dh
ule
Raig
ad
Mu
mb
ai C
ity
Mu
mb
ai
Su
bu
rban
Head Office
Zonal Offices
Operating Offices
DATE: SIGNATURE
Stamp: Name:
Designation:
Address:
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ANNEXURE-8
ACTIVITY CHART
Activity Number of days required to
complete the activity from the
award date
Remarks
Identifying the Project Officer
Setting up of Project Office with infrastructure
in the area of Municipal Corporation of Greater Bombay
Appointment of Medical Officers
Establishment of other staff
Preparatory meeting with hospitals
Inspection of hospitals vis-à-vis scheme
requirements, identification of Rajiv Gandhi Jeevandayee Medical Co-ordinator (MCO), Rajiv Gandhi Jeevandayee Medical camp
Coordinator (MCCO), signing of MoU and Empanelment Of Hospitals
Issue of CUG connections to MCO s and
MCCO s
Installation of kiosk, computer and Accessories and 1mbps connectivity.
Printing and distribution of publicity
Material
Printing and distribution of stationary related to work flow of the scheme.
Appointment of Aarogyamithras
· In PHCs/Govt. Hospitals · In Network Hospitals
Training of Aarogyamithras, distribution of Aprons and CUG mobiles.
Training of Doctors
Training of other staff
IT enabling
Establishment of 24 Hrs Call Center
Establishment of other infrastructure
Establishment of infrastructure in the districts
Preparatory meetings and trainings at district level for inaugural mega camps.
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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ANNEXURE-9
PLAN FOR HEALTH CAMPS
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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ANNEXURE-10
DETAILS OF EMPANELLED HEALTH FACILITIES WITH INSURERS
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
Dsitrict Name of
Hospital
Tertiary/
General
Private/
Govt.
No. of
Beds
Empanelled
for
specialized
category/ies
and
procedures
(Number/s)
1 Gadchiroli
2 Amravati,
3 Nanded,
4 Solapur,
5 Dhule,
6 Raigad,
7 Mumbai Urban
8 Mumbai Suburban
Other Districts
within Maharashtra
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ANNEXURE -11
ANY OTHER INFORMATION
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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SECTION C – FINANCIAL PROPOSAL
A) Premium quote for a sum insured of Rs. 1.50 Lakh per family per annum on floater
basis. (For renal implant the ceiling is Rs. 2.5 lakh):
SR. NO. PREMIUM PER
FAMILY WITHOUT S.T. PREMIUM PER
FAMILY WITH S.T .
1 Rs.
Rs.
(Rs. in words)
(Rs. in words)
B) Details of Add on cover without any additional premium:
Sr. No. Benefits Details
1
2
3
4
Note: No other documents or attachments are permissible along with Section C. Any
deviation will attract disqualification.
-----------------------------------------
DATE: SIGNATURE Stamp: Name:
Designation:
Address:
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Part –IV:
M o U (Memorandum of Understanding)
RAJIV GANDHI JEEVANDAYEE AROGYA YOJANA IN MAHARASHTRA. THE
FIRST PHASE in 8 DISTRICTS OF GADCHIROLI, , AMRAVATI , NANDED,
SOLAPUR, DHULE, , RAIGAD, MUMBAI CITY, MUMBAI SUBURBA DISTRICTS
MEMORANDUM OF UNDERSTANDING
This Memorandum of Understanding (hereinafter called the MoU) is executed at
_________on this ____ day of ________ between the Government of Maharashtra/ Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) Society (the society is proposed to be
incorporated prior to award of the contract) having its office at First Floor of Arogya Bhavan, St. Georges‟ Hospital campus, Mumbai 400001 (hereinafter referred to as the “Insured” and Party of the first part) represented by Chief Executive Officer, Rajiv Gandhi Jeevandayee
Arogya Yojana Society, which expression shall, unless repugnant to the context or meaning thereof, be deemed to mean and include its successors and permitted assigns;
AND
(Name of Insurance Company), an Insurance Company having its registered and Head
Office at_______________________ Mumbai (hereinafter referred to as the “Insurer” and the Party of the second part) represented by Chairman cum Managing Director which expression, shall unless repugnant to the context or meaning thereof, be deemed to
mean and include its successors and permitted assigns. WHEREAS:
1. The Government of Maharashtra / Rajiv Gandhi Jeevandayee Arogya Yojana Society, a Nodal
Agency has, after a due Selection process involving Technical and Financial Evaluation, awarded the Contract of Insurance under the “Rajiv Gandhi Jeevandayee Arogya Yojana in 8 districts of Mumbai city, Mumbai Suburban District, Dhule, Raigad, Solapur, Nanded,
Amravati, and Gadchiroli, of the State of Maharashtra for 30 identified specialized categories envisaging 972 identified procedures, to the Insurer and the Party of the second part.
2. The Insurer has agreed that they shall provide the health insurance services to the families of BPL(yellow ration card holders), Antyodaya, Annapurna and APL (orange ration
card holders) belonging to eight Districts of Maharashtra under Phase -1 covered under Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) on the terms and conditions of the policy
and more particularly described in this Agreement within the state of Maharashtra. 3. The commencement of Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY) through the
Insurer under this agreement shall be effective from 2 October 2011 [Date, Month and Year],
for one year and shall expire on 1 October 2012 [Date, Month and Year]. 4. The Insurer has been registered under Section 3 of the Insurance Act 1938 (Act 4 of 1938)
having its Registration No. ____ And is inter alia engaged in the business of providing General Insurance in India.
5. The Insurer has agreed to issue the Policy to the satisfaction and in favour of the Insured
covering the Beneficiary families in the manner agreed herein.
NOW THEREFORE IT IS AGREED as follows:
1. DEFINITIONS & INTERPRETATION
1.1 The following terms and expressions shall have the following meanings for
purposes of this Agreement: i. “Agreement” shall mean this agreement and all Schedules, supplements,
appendices, appendages and modifications thereof made in accordance with the terms of this agreement.
ii. “Benefit(s)” shall mean the health services that the beneficiary families
are entitled to receive based on the contract between the Government of Maharashtra and the Insurer under Rajiv Gandhi Jeevandayee Arogya
~ 42 ~ Signature & stamp of Insurance Agency
Yojana (RGJAY) subject to the terms, conditions, limitations and exclusions of the Policy.
iii. “Beneficiary (ies)” shall mean those existing families of BPL, Antyodaya, Annapurna and APL (except white ration card holders) belonging to Eight
Districts of Maharashtra covered under Rajiv Gandhi Jeevandayee Arogya
Yojana and enrolled under RGJAY. iv. “Business Day” shall mean days on which commercial banks are open for
business in India. v. “Government of Maharashtra” shall mean either, Government of
Maharashtra or Rajiv Gandhi Jeevandayee Arogya Society nominated by the Govt. of Maharashtra.
vi. “RGJAY” shall mean Rajiv Gandhi Jeevandayee Arogya Yojana
vii. “RGJAS” shall mean Rajiv Gandhi Jeevandayee Arogya Yojana Society
viii. “Claim Payment” shall mean the payment of claim to the Empanelled
Hospitals/Nursing Homes under the RGJAY based on the invoice/ Health
card or yellow/Orange ration card transaction received by the insurer from
the health providers and also it would include the payments made for reimbursement claims.
ix. “De-Listing of Empanelled Hospitals/Nursing homes” shall mean delisting
the empanelled hospital by the Insurer based on the criteria defined. x. “Empanelled Hospitals/Nursing Homes” shall mean the Hospital/ Nursing
Home as has been empanelled by the Insurer as per parameters defined in this agreement to provide health care services under Rajiv Gandhi Jeevandayee
Arogya Yojana.
xi. “Family” mean members as listed on the Rajiv Gandhi Jeevandayee Arogya Yojana Health Cards or holding valid Orange/Yellow Ration Card. The details in the Health Card will be taken as the proof for determining the eligibility of
the beneficiary. For those beneficiary families whom the health cards are not distributed, the beneficiary families will be identified based on names
displayed on their valid Orange/Yellow Ration Card distributed by Department of Food and Civil Supplies coupled with Aadhar number or photo identity card issued by Govt. agency (driving license, election card) till he/she
gets Aadhaar number.
xii. “Force Majeure Event” shall include: (i) Fire, flood, atmospheric disturbance, lightning, storm, typhoon, tornado, earthquake, washout, or other
acts of God; (ii) War, riot, blockade, insurrection, acts of public enemies, civil disturbances, terrorism and sabotage and threats of such actions; (iii) Strikes, lock-outs, or other industrial disturbances or Labour disputes
xiii. “IRDA” shall mean the Insurance Regulatory and Development Authority established under the Insurance Regulatory and Development Authority
Act 1999. xiv. “Insured” shall mean the Government of Maharashtra /Rajiv Gandhi
Jeevandayee Arogya Society (RGJAS) / Nodal Agency who has paid the
premium on behalf of their beneficiary families to Insurer for availing the health insurance services under RGJAY.
xv. “Insurer” shall mean an Insurance Company selected by the Government of Maharashtra to provide all such services to the RGJAY beneficiary families as outlined in the agreement under RGJAY.
xvi. “Law” includes all Statutes, Enactments, Acts of Legislature, Laws, Ordinances, Rules, Bye Laws, Clauses, Regulations, Notifications,
Guidelines, Policies, and orders of any Statutory Authority constituted under the provisions of Constitution of India or Courts in India.
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xvii. “Party” shall mean either the Insurer or the Government of Maharashtra and “Parties” shall mean both the Insurer and the Government of Maharashtra.
xviii. “Period of Agreement” shall mean that the agreement will be for three year
from the effective date,
xix. “Period of Insurance policy” shall mean the period of one year from the inception date as notified during which the Insurance Policy shall be operative to provide the benefit to the RGJAY beneficiary families.
xx. “Project Office” shall mean the office of the Insurer located at Mumbai to
coordinates the provision of RGJAY under this Agreement.
xxi. “Policy” shall mean the Health Insurance Policy of the Insurer issued to the Insured on behalf of the families of Below Poverty Line Population (yellow
card holders), Antyodaya, Annapurna and Above Poverty Line Population (APL-orange ration card holders) belonging to eight Districts of Maharashtra under RGJAY.
xxii. “Policy Holder” shall mean the Insured who has paid the premium on behalf
of their beneficiary families to Insurer for availing the health insurance services under RGJAY.
xxiii. “Premium” shall mean an amount agreed by both Parties charged per family on an annual basis as consideration for providing health insurance services
under this Agreement.
xxiv. “Package Charges” shall mean the indicative maximum charges per ailment/procedure for benefits including follow up package covered by this Agreement as fixed under Rajiv Gandhi Jeevandayee Arogya Yojana
society.
xxv. “Provider” shall mean empanelled Hospitals / Nursing homes under the
scheme. xxvi. “Scheme” shall mean the Rajiv Gandhi Jeevandayee Arogya Yojana as
operational and as otherwise outlined in this Agreement.
” Health Card shall mean Health Photo Card for RGJAY beneficiary families issued under RGJAY by the Insurer as per specifications given by Government of
Maharashtra. xxvii. “Service Area” shall mean within state of Maharashtra basis within which the
Government of Maharashtra has authorized the Insurer to provide health
insurance service under RGJAY.
1.2 OTHERS
i. Any grammatical form of a defined term herein shall have the same meaning as that of such term.
ii. “Headings” are used for convenience only and shall not affect the
interpretation of this Agreement.
iii. Any reference to an agreement, contract, instrument or other document (including a reference to this Agreement) herein shall be to such agreement, instrument or other document as amended, supplemented or pursuant to the
terms thereof. iv. Terms and expressions denoting the singular shall include the plural and vice versa.
v. The term “including” shall always mean “including, without limitation”, for purposes of this Agreement.
vi. The term “herein”, “hereof”, “hereinafter”, “hereto”, “hereunder” and words of
similar import refer to this Agreement as a whole.
2. BENEFICIARY FAMILIES:
Families holding yellow ration card, Antyodaya Anna Yojana card (AAY), Annapurna card and orange ration card from eight districts viz. Gadchiroli, Amravati, Nanded, Solapur, Dhule,
~ 44 ~ Signature & stamp of Insurance Agency
Raigad, Mumbai city and Suburban Mumbai. The families with white ration card holding would not be covered under the scheme. The total number of beneficiary families in the state
would be around 2,04,30, 527; out of which approximately 49 Lakh families in the 8 districts are to be covered under the scheme in first phase as on the date of publishing of the Request
for Proposal (RFP) document. District wise profile of the beneficiary families is given below:
Phase-I Districts Population *Approximate number of
Beneficiary Families 1 Gadchiroli 970294 182889
2 Amravati 2607160 559473 3 Nanded 2876259 543961
4 Solapur 3849543 830011
5 Dhule 1707947 397674
6 Raigad 2207929 566231
7 Mumbai City 3338031 482073
8 Mumbai Suburban 8640419 1340828
Total 26197582 4903140
* Based on data furnished by Civil Supplies department as on 31.05.2010.
The beneficiary families would be identified through the Rajiv Gandhi Jeevandayee Health Card issued by the Government of Maharashtra or based on the Yellow and Orange ration card issued by Civil Supplies Department.
The following actions would be undertaken by Network hospitals in case of the possible exceptional situations: No Exceptional Situation Requirement for benefit
1 No Health Card with beneficiary, but Valid Yellow or Orange Ration Card with name of beneficiary is available
Aadhaar number and in case Aadhaar number not taken any Photo ID card issued by Govt. ( Driving license, election identity card with photograph) to correlate the patient name & photograph (In instance of emergency admission, provisional preauthorization may be given subject to confirmation of it against submission of valid photo identity card issued by Govt. before discharge.)
2
Children born after issue of card i.e. name and photo not available on health card or on valid yellow/Orange ration card
Photograph of child with either parent along with Health card/ valid Yellow or Orange ration card of either parent and Birth certificate issued by authorized officer.
3
Name is there in Yellow or Orange Ration Card and matches with name in photo identity. But the card is invalid as it does not match with the digitized list.
Not eligible for benefit package (The yellow /Orange ration card is cancelled after verification by department but still the family is holding it)
3. COVERAGE: This is a package medical insurance scheme to cover hospitalization for surgeries and therapies through cashless treatment in respect of the following 30 identified specialized
categories having 972 procedures and 121 follow up procedures along with follow up packages.
1 GENERAL SURGERY
2 ENT SURGERY
3 OPTHALMOLOGY SURGERY
4 GYNAECOLOGY AND OBSTETRICS SURGERY
5 ORTHOPEDIC SURGERY AND PROCEDURES
6 SURGICAL GASTRO ENTEROLOGY
7 CARDIAC AND CARDIOTHORACIC SURGERY
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8 PEDIATRIC SURGERIES
9 GENITOURINARY SYSTEM
10 NEUROSURGERY
11 SURGICAL ONCOLOGY
12 MEDICAL ONCOLOGY
13 RADIATION ONCOLOGY
14 PLASTIC SURGERY
15 BURNS
16 POLY TRAUMA
17 PROSTHESES
18 CRITICAL CARE
19 GENERAL MEDICINE
20 INFECTIOUS DISEASES
21 PEDIATRICS
22 CARDIOLOGY
23 NEPHROLOGY
24 NEUROLOGY
25 PULMONOLOGY
26 DERMATOLOGY
27 RHEUMATOLOGY
28 ENDOCRINOLOGY
29 GASTROENTEROLOGY
30 INTERVENTIONAL RADIOLOGY
Detailed list of specified surgeries and therapies falling in the identified groups and packages is given Appendix – I (a) and the follow up package is given Appendix – 1 (b) of Part IV.
The scheme would provide for cashless treatment to patients in the Network Hospitals in case of covered surgical procedures, interventions and therapies connected with the diseases
/conditions mentioned above. 4. SUM ASSURED:
The Scheme shall provide coverage for meeting all expenses relating to hospitalization of
beneficiary up to Rs. 1,50,000/- per family per year in any of the Empanelled Hospital/Nursing Home subject to Package Rates on cashless basis through Health cards. The
benefit shall be available to each and every member of the family on floater basis i.e. the total reimbursement of Rs. 1.5 lakh can be availed by one individual or collectively by all members of the family.
In case of renal transplant surgery, the immunosuppressive therapy is required for a period of 1 year. So the upper price ceiling for Renal Transplant would be Rs. 2, 50,000 per operation
as an exceptional package exclusively for this procedure. The cases are likely to be very few and well controlled by Human Organ Transplant Act 1994. This would also be part of the coverage. 5. PRE EXISTING DISEASES: All diseases under the proposed scheme will be covered from day one. A person suffering
from any disease prior to the inception of the policy shall also be covered under approved procedures for that disease. 6. PRE AND POST HOSPITALIZATION:
6.1 From date of reporting to hospital up to 10 days from the date of discharge from the hospital shall be part of the package.
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6.2 Network Hospital will provide follow-up free consultation, diagnostics and medicines when patient is called for follow-up within 10 days of discharge being
part of the package. 7. DEFINITION OF FAMILY:
Family means members as enlisted and photographed on the Rajiv Gandhi Jeevandayee Arogya Yojana Health Cards or holding valid Orange/Yellow Ration Card.
8. HEALTH CARDS
All eligible families in these districts shall be provided with Rajiv Gandhi Jeevandayee Arogya Yojana Health Cards in due course of time. These Health Cards will be used for identification of Beneficiary families in the family under the Scheme. Family Health Cards
will be prepared by using data of valid ration cards (yellow and orange) issued by Food and Civil supplies department coupled with Aadhaar numbers issued by UID authorities, although
the latter is individual card. As an interim measure till the health card is issued, the valid Orange/Yellow Ration Card with Aadhaar number or in case Aadhaar number not available, any Photo ID card of patient issued by Govt. agencies (Driving license, Election ID) would be
required to correlate the patient name and photograph for identification of beneficiary. 9. WEB PORTAL:
All activities related to the scheme shall be done through a dedicated portal of Rajiv Gandhi Jeevandayee Society, the development and maintenance cost of which will be borne by the Insurer. The source code and system design document for the application exclusively
developed by Insurer for Rajiv Gandhi Jeevandayee Arogya Yojana shall be provided in good working condition to Rajiv Gandhi Jeevandayee Society. A dedicated data center in the name
of Rajiv Gandhi Jeevandayee Yojana will be maintained by the Insurer. The proprietary rights of software will be with Government of Maharashtra .Patient records will be property of Rajiv Gandhi Jeevandayee Society. Confidentiality of patient records
should be maintained. The web portal will be a repository of information and will have the following features and the respective workflows:
1. General Information on the scheme. 2. Details of patients reporting and referrals from the PHC / Rural/ Sub-
district/Women/General/District hospitals on daily basis.
3. E-Health Camps system and daily reporting of health camps. 4. Details of patients reporting and getting referred from the health camps.
5. E-Empanelment system. 6. Emergency approval system. 7. Call centre application.
8. Patient registration by Aarogyamithra in Network Hospitals. 9. Details of in-patients and out patients in the network hospitals.
10. On-bed reporting system. 11. Costing of the Tests done in the network hospitals. 12. E-preauthorization.
13. Surgery details. 14. Discharge details.
15. Real-time reporting, active data warehousing and analysis system. 16. Claim settlement. 17. Electronic clearance of bills with payment gateway.
18. Follow-up of patient after surgery. 19. Distribution of Follow-up medicines.
20. Rajiv Gandhi Jeevandayee Messaging Services. 21. Grievance and Feedback workflow. 22. Back Tracking System.
23. E-Office management. 24. Accounting system.
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25. TDS workflow. 26. Death reporting system.
10. PAYMENT OF INSURANCE PREMIUM:
It is agreed that Government shall pay to the Insurer an amount of Rs. ---------- Plus Service
Tax as applicable, towards the entire annual premium etc. The payment shall be made in four installments of Rs. ------------------- Plus services tax each as under:.
First Installment: Before the commencement of the scheme
Second installment: Before the start of second quarter of year
Third installment: Before the start of third quarter of year
Fourth installment: Before the start of fourth quarter of year
The total number of beneficiary families for each District is an indicative estimate and may vary. The number of the final beneficiary families for each district will be given within one month of signing MOU. The total premium payable would be based on this final figure of
eligible beneficiary families. Following activities should be completed before inception of scheme within three months of
award of contract before release of the first installment of the premium. 1) The successful insurer shall furnish the security deposit to the RGJAYS within 7
days from the date of communication of Award of Contract for an amount of 5%
of the contract value, valid up to 90 days after the date of completion of warranty obligations and enter into MOU on Rs. 100/- non-judicial stamp paper. The cost of
Stamp paper should be borne by the insurer. The Security Deposit should be in the form of Bank Guarantee in favour of the „Rajiv Gandhi Jeevandayee Arogya Society' payable at Mumbai from any Nationalized or Scheduled bank. The
Security Deposit will be discharged by the Purchaser and returned to the Supplier not later than 30 days following the date of completion of the Insurer‟s
performance obligations by the end of first quarter of execution of scheme, including the warranty obligation, under the MOU. The security deposit shall be discharged (forfeited) as a compensation for any loss resulting from the failure to
perform the obligations under the MOU or in the event of termination of the MOU or in any event as the Purchaser thinks fit and proper.
2) The Insurance Company has to empanel minimum 100 network hospitals in the state and it should be ensured that all procedures should be covered cumulatively in empanelled hospitals.
3) The Insurance Company has to start call center with all requisite staff, departments and appointment of field staff with staff at network hospital. An adequate area
should be reserved for office of Rajiv Gandhi Jeevandayee Arogya Yojana Society office. Software (if so specifications and certifying authority) and Connectivity should be established in order to start the scheme.
11. PERIOD OF INSURANCE & PERIOD OF AGREEMENT:
The insurance coverage under the scheme for the beneficiary families shall be in force for a
period of one year from the date of commencement of the policy (From 0.00 hrs of 02.10.2011 to Midnight of 01.10.2012 for Phase-I). The period of agreement shall be for three years with effect from 02.10.2011; subject to
annual review and renewal of policy based on performance parameters as below. 1. Percentage of health camps in a month (One health camp per week)
2. Claim ratio 3. Number and Percentage of complaints redressed against total complaints received. 4. Minimum number hospitals to be empanelled at start of scheme 100.
5. Time required for preauthorization 12 hours ordinarily and immediately in cases of emergency.
6. Time required for claim settlement. 7. IEC Activities according to norms fixed.
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8. Any new issue coming up in fulfillment of objective of RGJAY Society / GOM. 11.a. PERFORMANCE PARAMETERS AND PENALTY CLAUSE:
The Insurer is required to perform multiple activities in performance of its obligations arising out of the insurance contract to it. Any activity not performed by the insurer within the given time line shall hamper implementation of Rajiv Gandhi Jeevandayee Health Insurance
Scheme from the planned date. Such activities have been listed here under which the successful bidder is required to complete within the specified period from the date of award of
the insurance contract to it failing which a penalty as specified percentage on total
premium against each section per week/month shall have to pay to the RGJAY society for the period of delay. Sr.
No
Activity Time frame from
the date of Signing
of Agreement
Penalty for the delay
in execution in % of
component charges
PENALTY PER WEEK
A a. Identifying the Project Officer
b. Setting up of Project Office with in frastructure
Municipal Corporation of Greater Bombay
7 days
30 Days
1%
1%
B Preparation and Certificat ion of software on receiving the
specification from Society.
3 month 1%
C Dedicated Website as per the requirement (envisaging
Empanelment MIS,HR MIS, Publicity and Camp MIS, E-
authorization MIS, Claim MIS,
Follow up monitoring MIS, Field operations Support
service MIS, Grievance MIS, Medical Audit MIS, Key
performance Indicators and variable salary, Operat ion
maintenance MIS)
3 months 2.0%
D Establishment of 24 Hrs. Call Center and Establishment of
other infrastructure
3 month 1%
E Establishment of sufficient infrastructure in each district.
Installation of kiosk, computer and accessories etc.
3 month 1%
F To identify the Hospital Network Providers and networking
with them.
3 months 0.5%
G To arrange cashless treatment of the insured in the
empanelled hospitals under the scheme and facilitation of
proper networking for quick and error-free processing of
pre-authorizat ions.
3 months 0.5%
H To provide adequate manpower, so as to ensure free flow of
daily MIS and ensure that progress of scheme is reported to
Society in the desired format on a real-time basis.
3 months 0.5%
I Preparation of various formats used for cashless
transactions, discharge summary, billing pattern and other
reports in consultation with the Government.
1 months 0.5%
PENALTY PER MONTH
J Processing of claims related to the scheme. Pre-authorization of
requests and approval of preauthorization if all the conditions are
fulfilled, within 12 hours of receiving the preauthorization
request from the network provider if failure % is more than
5%)
System to be ready
in 3 months
(Continuing
activity)
1%
K Scrutinize the b ills from network hosp itals and give
approval for the sanction of the bill and forward payment
within 7 working days on receipt of complete claim document
from the Network Hospitals. (Failure % is more than 5%)
System to be ready
in 3 months &
(Continuing
activity)
1%
L Medical Auditing (by minimum qualificat ion MBBS) fo r
conducting 20% per month concurrent audits of services
and quality of service provided to the beneficiary families
delivered by Network Hospitals on periodic basis as well as
and required.
3rd month
(Continuing
activity)
0.5%
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Sr.
No
Activity Time frame from
the date of Signing
of Agreement
Penalty for the delay
in execution in % of
component charges
M HR
Number of network hospitals and number of
Aarogymitras /Medical Coordinators, Camp
Coordinators posted- District wise, month wise, and
aggregate
Number of Public facilit ies (CHCs/PHCs) and number
of Aarogymitras posted - District wise, month wise,
and aggregate
3rd month
onwards
0.5%
N Training programme for Network Hospital Providers and other
stake holders ones in a month.
2nd
month onwards (Continuing activity)
0.5%
12. ADJUSTMENT/ REFUND OF PREMIUM: If there is a surplus after the claims experience on the premium (excluding Service Tax) at the end of the policy period, after providing 20% of the premium paid towards the Company‟s
administrative cost, of the balance 80% after providing for claims payment and outstanding claims, 90% of the left over surplus will be refunded to the Government of Maharashtra / Rajiv Gandhi Jeevandayee Arogya Yojana Society within 30 days after the expiry of the Run-
off period. 13. PROCEDURE FOR ENROLLMENT OF HOSPITALS:
The Public and Private Hospitals will be jointly empanelled within the State of Maharashtra by Rajiv Gandhi Jeevandayee Arogya Yojana Society and Insurance Company following the empanelment procedure laid down by Rajiv Gandhi Jeevandayee Arogya Yojana Society. The
hospitals having minimum of 50 inpatient hospital beds with adequate facilities and offering the services as stipulated below shall be empanelled after being scrutinized and recommended
by the Empanelment and Disciplinary Committee. Empanelment and Disciplinary Committee will constitute a subcommittee of four doctors for this purpose. Two doctors will be nominated by Insurance Company and two by Rajiv Gandhi Jeevandayee Arogya Society.
The purpose of this empanelment is to ensure capability of the hospital to provide some of the identified 30 specialized categories and seek agreement to the equal or lower price for these
972 procedures and 121 follow up procedures and take an opportunity to assess the current quality of care therein. It would be the responsibility of the Insurer for enrollment of Network Hospitals in the State of Maharashtra to give adequate facilities for the treatment of the
patients when they present themselves. The number of empanelled hospitals and number of procedures in each hospital to be permitted will be based on the need and at discretion of the
society in the interest of beneficiary. Network hospitals are supposed to extend medical aid to the beneficiary under the scheme. Procedure for enrollment of Hospitals is placed as Appendix- IV of Part IV. Preference for empanelment could be given to the hospitals
accredited under National Board of Accreditation for Hospitals. It is also desired to accreditate the empaneled hospital under National Board of Accreditation for Hospitals in order to ensure
quality of care.
14. MOU with Network Hospital and Disciplinary actions against the hospitals:
(i) MOU with Network Hospital:
The Insurer shall sign MOU with all the network hospitals to be empanelled under the scheme. Separate MOU‟s with relevant provisions have to be entered into for Multi-
speciality, Cancer Treatment etc. This MOU is subject to the approval of the Rajiv Gandhi Jeevandayee Society. Number of empaneled hospitals and specializations will depend on the benefit the beneficiary. Network hospitals are supposed to extend medical aid to the
beneficiary under the scheme. A provision will be made in MOU regarding non-compliance / default clause. Such matter shall be looked in to by the Empanelment and
Disciplinary Committee, the decision of which will be binding to all concerned. The sample MOU is attached as appendix 7 of Part IV.
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(ii) Disciplinary actions against the hospitals: On recommendation by the Empanelment and Disciplinary Committee the Insurer shall
take various disciplinary actions against Network Hospital including De-listing from the empanelment if it is found that guidelines of the Scheme are not followed by it and
services offered are not satisfactory as per laid down standards. Hospital may also be delisted or de-empanelled if infrastructure in the hospital is found below the standards laid down by society any time during the policy period. The Insurer is also liable for any
deficiency in the service provided by the network hospital / service provider other than medical services and in case of any delisting the Insurer shall find alternative
immediately. 15. CASHLESS SERVICE: The Insurer has to ensure that adequate facilities are provided to all beneficiary families so
that they do not have to pay any deposits at the commencement of the treatment or at the end of treatment to the extent the Services as covered under the Rajiv Gandhi Jeevandayee Arogya
Yojana. It is envisaged that for each hospitalization the transaction shall be cashless for covered procedures. Enrolled/Eligible beneficiary along with health card/ orange or yellow ration card will go to hospital and come out without making payment to the hospital subject to
procedure covered under the scheme. The same is the case for diagnostics if eventually the patient does not end up in undertaking the surgery or therapy. The beneficiary has right to
select network hospital and services of selected network hospital should be made available. (Subject to availability of beds) In instance of non – availability of beds in network hospital, cross referral to another network hospital may be accepted.
16. PACKAGES: The insurer should ensure that the Network hospitals follow the packages worked out by Rajiv
Gandhi Jeevandayee Society. The package rates will include bed charges in General ward, Nursing and boarding charges, Surgeons, Anesthetists, Medical Practitioner, Consultants fees, Anesthesia, Blood, Oxygen, O.T. Charges, Cost of Surgical Appliances, Med icines and
Drugs, Cost of Prosthetic Devices, implants, X-Ray and Diagnostic Tests, food to impatient, one time transport cost etc. In other words the package should cover the entire cost of
treatment of patient from date of reporting to his discharge from hospital and 10 days after discharge after surgery including complications if any, making the transaction truly cashless to the patient. In instance of death, the carriage of dead body from network hospital to the
village/township would also be part of package. 17. IMPLEMENTATION PROCEDURE:
The entire scheme is to be implemented as cashless hospitalization arranged by the insurer. The following table steps represent the process flow of treatment to the beneficiary in the Network hospital.
The Entire scheme is to be implemented as cashless hospitalization arranged by the Insurance Company. The following table represents the process flow of treatment to the beneficiary
A) Process Flow of the Beneficiary Treatment in the Network Hospital
Step I
Beneficiary families shall approach nearby PHC/Rural, Sub district, General, Women/District
Hospital/Network Hospital. Aarogyamitras placed in the above hospitals shall facilitate the beneficiary. If beneficiary visits Government Health Facility other than the Network Hospital,
he/she will be given a referral card to the Network Hospital with preliminary diagnosis by the doctors. The Beneficiary may also attend the Health Camps being conducted by the Network Hospital in the Villages and can get that referral card based on the diagnosis. The information
on the outpatient and referred cases in the PHC/Rural, Sub district, General, Women/DH and the camps will be collected from all Aarogyamitras/Hospitals on regular basis and captured in
the dedicated database through a well-established call center.
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Step 2
The Aarogyamitras at the Network Hospital examine the referral card and health card or
Yellow/Orange Ration Card, register the patients and facilitate the beneficiary to undergo specialist consultation, preliminary diagnosis, basic tests and admission process. The
information like admission notes, test done will be captured in the dedicated database by the Medical Coordinator of the Network Hospital as per the requirement of the Rajiv Gandhi Jeevandayee Arogya Yojana Society.
Step 3
The Network Hospital, based on the diagnosis, admits the patient and sends E-
preauthorization request to the insurer, same can be reviewed by Rajiv Gandhi Jeevandayee Arogya Yojana Society.
Step 4
Recognized Medical Specialists of the Insurer and Rajiv Gandhi Jeevandayee Arogya Yojana Society examine the preauthorization request and approve preauthorization, if, all the
conditions are satisfied. This will be done within 12 working hours and immediately in case of emergency wherein e-preauthorization is marked as “EM”.
Step 5
The Network Hospital extends cashless treatment and surgery to the beneficiary. The Postoperative notes of the Network Hospitals will be updated on the website by the medical
coordinator. Step 6
Network Hospital after performing the covered surgery/ therapy/ procedure forwards the
Originals bills, Diagnostics reports, Case sheet, Satisfaction letter from patient, Discharge Summary duly signed by the doctor, acknowledgement of payments of transportation cost and
other relevant documents to Insurer for settlement of the claim. The Discharge Summary and follow-up details will be part of the Rajiv Gandhi Jeevandayee Arogya Yojana Society portal.
Step 7
Insurer scrutinizes the bills and gives approval for the sanction of the bill and shall make the payment within agreed period. The claim settlement module along with electronic clearance
and payment gateway will be part of the workflow in Rajiv Gandhi Jeevandayee Arogya Yojana Society portal and will be operated by the Insurer. The reports will be available for scrutiny on the Rajiv Gandhi Jeevandayee Arogya Yojana Society login.
Step 8
The Network Hospital will provide free follow-up consultation, diagnostics, and medicines
under the scheme up to 10 days from the date of discharge. 18. HEALTH CAMPS: Health Camps are to be conducted in Taluka Head Quarters, Major Gram Panchayats and
Municipalities. Minimum of one camp per week per empanelled hospital has to be held in the eight districts in the policy year. The insurer shall ensure that at least one free medical camp is
conducted by each network hospital per week at the place suggested by Rajiv Gandhi Jeevandayee Society. The Rajiv Gandhi Jeevandayee Medical Camp Coordinator (MCCO) of the hospital shall coordinate the entire activity. Network hospital shall carry necessary
screening equipment along with specialists (as suggested by the Rajiv Gandhi Jeevandayee Society) and other para-medical staff. The Insurer shall put in the minimum requirements as
regards the health camp in the MOU with the hospitals. They shall work in close liaison with district coordinator of the Insurance Company, Civil Surgeon/DHO in consultation with District Collector. Hospital shall follow the Camp policy of Rajiv Gandhi Jeevandayee
Society The Insurer shall in consultation with Rajiv Gandhi Jeevandayee Arogya Yojana Society plan,
prepare and inform the schedule of Health Camps well in advance to Rajiv Gandhi Jeevandayee Arogya Yojana Society as per the guidelines and also inform the same to the
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District Collectors, Civil Surgeons/DHO, Public Representatives, Empanelled hospitals and other stakeholders.
The Insurer shall ensure that Network Hospital conducts the Camp as per schedule with all necessary equipment and professionals in the concerned fields. They should also submit to
Rajiv Gandhi Jeevandayee Arogya Yojana Society the confirmation of participation in the camps from the Network Hospital. The Network hospital shall enter the details of the patients screened and referred in the camps in the assigned login of the workflow of Rajiv Gandhi
Jeevandayee Arogya Yojana Society Portal. 19. DISTRICT LEVEL CO-ORDINATION:
District level offices with necessary infrastructure have to be set-up by the Insurance Company. The Insurer needs to have district level monitoring staff with District Coordinators, GM‟s/DGM‟s /Area Managers /Assistant Area Managers /District level doctors / Regional
Coordinators of the Insurance Company ( When scheme) is implemented in whole state) should monitor Aarogymitras, co-ordinate with network hospital, district administration and
people‟s representatives for effective implementation of programme. They should ensure that camps are held as per schedule, arrange for canvassing for the camp, mobilize patients and follow up the beneficiary families. He/she should work in close liaison with district
administration under the supervision of District Collector. He should also ensure proper flow of MIS and report to society on day to day basis about the progress of the scheme in the
district. The Insurance Company should ensure that dedicated staff is made available for the scheme. There shall be at least one doctor to be placed in each district. Further wherever the concentration of the Network Hospitals is more additional doctors need to be placed. The
Insurance Company shall follow the instructions of Rajiv Gandhi Jeevandayee Arogya Yojana Society in this regard.
20. IN-HOUSE SYSTEM: The Insurer will establish in-house system to provide all such facilities elaborated under the scheme. The Insurer will submit detailed list of staff appointed to Rajiv Gandhi Jeevandayee
Arogya Yojana Society with their designations, responsibilities and contact numbers before the commencement of policy.
21. PROJECT OFFICE AND STATE LEVEL CO-ORDINATION: The Project Office of the Insurer shall be separately established in the jurisdiction of Municipal Corporation for Greater Bombay for better coordination with the Rajiv Gandhi
Jeevandayee Society and would also provide adequate space for society. The project office shall report to the Rajiv Gandhi Jeevandayee Arogya Yojana Society on a daily basis in the
prescribed proformas. The following departments shall be established by the Insurer in the Project Office.
i. 24 Hour call centre with toll free help line : The Insurer should nominate within 5 days
of award of MOU responsible officer / officers to properly coordinate work and ensure proper implementation of scheme up to the satisfaction of Rajiv Gandhi Jeevandayee
Society. It should review the progress with Rajiv Gandhi Jeevandayee Arogya Yojana Society on day to day basis and be responsible to implement the suggestions of Rajiv Gandhi Jeevandayee Arogya Yojana Society for effectively running the scheme. The
Insurer shall provide telephone services for the guidance and benefit of the beneficiary families whereby the Insured Persons shall receive guidance about various issues by
dialing a State Toll free number. Call Centre Information: The Insurer shall operate a call centre for the benefit of all Insured Persons and for real-time reporting. The Call Centre shall function for 24 hours a day, 7 days a week and round the year. The Insurer
undertakes to provide services to the Insured Persons in Marathi, English and Hindi. The Insurer will operate a state toll free number with a facility of a minimum of 10 lines. The
cost of operating of the Toll free telephone number shall be borne solely by the Insurer. The Insurer will intimate the state toll free number to all beneficiary families along with addresses and other telephone numbers of the Insurer‟s Project Office. The action taken on
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every call will be routed through an escalation matrix which ends at the level of CEO of the Rajiv Gandhi Jeevandayee Society. As a part of the Call Centre service the Insurer
shall provide the following: a. Answers to queries related to Coverage and Benefits under the Policy.
b. Information on Insurer‟s office, procedures and products related to health. c. General guidance on the Services. d. For cash-less treatment subject to the availability of medical details required
by the medical team of the Insurer. e. Information on Network Providers and contact numbers.
f. Benefit details under the policy and the balance available with the Beneficiary families.
g. Claim status information.
h. Advising the hospital regarding the deficiencies in the documents for a full claim.
i. Medical and health related queries to be addressed by medical officer in the call center.
j. Any other relevant information to the Beneficiary families including
grievances. k. Any information required from the field for the Insurer.
l. Any related service to the beneficiary families. m. Detailed MIS from Aarogyamithras in Government Hospitals / Network
Hospitals and Camps.
n. Any related Service as directed by Rajiv Gandhi Jeevandayee Arogya Yojana Society from time to time.
ii) MIS Department to collect, collate and report data on a real-time basis. This department will also have to submit with operators who collect hourly information from the Aarogyamthras, regional coordinators, district
coordinators etc. Based on this the reverse flow of dissemination of information shall also take place. There shall be reports for each district. The MIS
department shall also follow-up the cases at all levels. The department shall also generate reports as desired by Rajiv Gandhi Jeevandayee Society.
iii) Field Operations Department to coordinate the daily activities of field staff.
The operations of the field department shall be monitored online. iv) HR Department to manage human resources for the scheme and maintain
online database of staff and their management details. v) Training Department for capacity building of all stakeholders and staff. vi) Publicity and logistics Department to undertake all the publicity and logistics
activities as specified by Rajiv Gandhi Jeevandayee Society. vii) IT Department to ensure that the website with e-preauthorization, claim
settlement and real-time follow-up is maintained and updated on a 24-hour basis. There should be inbuilt anonymity of name of network hospital and health card number in the software while giving preauthorization and claim settlement.
The proprietary rights of software will be with Government of Maharashtra after three years. Patient records will be property of Rajiv Gandhi Jeevandayee
Society. Confidentiality of patient records should be maintained. viii) Round-the-clock Pre-authorization Department with specialist doctors for
each category of diseases shall work round the clock along with Rajiv Gandhi
Jeevandayee Arogya Yojana Society doctors to process the preauthorization within 12 working hours and immediately in cases of emergency.
ix) Claims settlement Department with electronic clearance facilities. x) Health Camp Department to plan, inform, implement and follow-up the
camps as per the directions of Rajiv Gandhi Jeevandayee Society.
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xi) Grievance Department to be manned by doctors and other staff to address the grievances from time to time as per the instructions of Rajiv Gandhi
Jeevandayee Society. The insurer shall act as a frontline for the redressal of Beneficiary families / Network Hospital grievances. The Insurer shall also
attempt to solve the grievance at their end. The grievances so recorded shall be numbered consecutively and the Beneficiary families / Network Hospital shall be provided with the number assigned to the grievance. The Insurer shall
provide the Beneficiary families / Network Hospital with details of the follow-up action taken as regards the grievance as and when the Beneficiary families
require it to do so. The Insurer shall also record the information in pre-agreed format of any complaint / grievance received by oral, written or any other form of communication.
Action Taken Report for Customer Grievance: The INSURER shall record in detail the action taken to solve the grievance of the Beneficiary families /
Provider in the form of an Action Taken Report (ATR) within 2 working days
of the recording of the grievance and immediately in case of emergencies . The Insurer shall provide the society / Government with the comprehensive
action taken report (ATR) on the grievances reported in pre-agreed format. The entire process will be done through the call center and Rajiv Gandhi
Jeevandayee Arogya Yojana Society portal. The Insurer shall co-ordinate with Provider / Rajiv Gandhi Jeevandayee Arogya Yojana Society in order to solve the grievance as and when required by the nature and circumstances of the
grievance. xii) Follow-up Department to coordinate the follow-up consultation and
distribution of drugs as per the instructions of Rajiv Gandhi Jeevandayee Society.
xiii) Empanelment Department to empanel the hospitals in the network as per the
guidelines given by Rajiv Gandhi Jeevandayee Arogya Yojana Society and monitor the compliance.
xiv) Feedback department to send feedback formats, collect and analyses feedback of the patients as per the directions of Rajiv Gandhi Jeevandayee Society. The department will also document each case and upload the same in the society
portal. The INSURER shall also collect the satisfaction slip from the Beneficiary families at the time of discharge who had obtained the cashless
services. The Beneficiary families shall submit the Satisfaction slip issued by the INSURER at the time of discharge through Provider. The INSURER shall also carry out the Customer Satisfaction Survey regularly by using the rating
card for the purpose. xv) Administration Department for office management.
xvi) Vigilance Department for keeping vigil on all service providers and staff. xvii) Legal Department exclusively for the project. xviii) Accounts Department.
xix) Other departments required for office work.
22. AAROGYAMITRAS:
i) Aarogyamithras in Rural / Sub district / Women Hospitals / Government Hospitals
etc. The unique nature of the scheme demands the Insurer to appoint Aarogyamithras in consultation with Rajiv Gandhi Jeevandayee Arogya Yojana Society in all Rural / Sub
district / Women Hospitals / Government Hospitals for propagating the scheme, mobilizing people for health camps, counseling beneficiary families, facilitating the
referral / treatment of these patients and follow-up. For effective and instant communication all the Aarogyamithras will have to be provided with cell phone CUG
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connectivity by the Insurer. The Insurer will provide uniform (White apron with scheme logo) to all the Aarogyamithras and ensure that they wear it when on duty.
ii) Aarogyamithras in Network Hospitals: The Insurer also needs to appoint minimum three Aarogyamithras at all network hospitals to facilitate admission, treatment and
cashless transaction of patient. The Aarogyamithras should also help hospitals in pre-authorization and claim settlement. They should also ensure proper reception and care in the hospital and send regular MIS. The Aarogyamithras will also ensure cashless follow-
up consultation and facilitate collection, stock maintenance and distribution of follow-up medicine in coordination with pharmacist. For effective and instant communication all
the Aarogyamithras will have to be provided with cell phone CUG connectivity by the Insurer. The Insurer will provide with uniform (White apron with scheme logo) to all the Aarogyamithras and ensure that they wear it when on duty. The Insurer shall ensure that
prefabricated Aarogyamithra kiosks with all additional requirements as per the design approved by Rajiv Gandhi Jeevandayee Arogya Yojana Society is put up in all hospitals.
The role of Aarogyamithra can be modified by the society from time-to-time. The Insurer will provide uniform and arrange the workshops / training sessions for the Aarogyamitras on the guidelines specified by Rajiv Gandhi Jeevandayee Society.
The detailed note on Aarogyamitras and their role is enclosed at Appendix –III of Part IV.
23. WEB PORTAL:
All activities related to the scheme shall be done through a dedicated portal of Rajiv Gandhi Jeevandayee Society, the development and maintenance cost of which will be borne by the
Insurer. The source code and system design document for the application exclusively developed by Insurer for Rajiv Gandhi Jeevandayee Arogya Yojana shall be provided in good
working condition to Rajiv Gandhi Jeevandayee Society. A dedicated data center in the name of Rajiv Gandhi Jeevandayee Yojana will be maintained by the Insurer. The web portal will be a repository of information and will have the following features and
the respective workflows: (Who will prepare) 1. General Information on the scheme.
2. Details of patients reporting and referrals from the PHC / Rural/ Sub-district/Women/General/District hospitals on daily basis.
3. E-Health Camps system and daily reporting of health camps.
4. Details of patients reporting and getting referred from the health camps. 5. E-Empanelment system.
6. Emergency approval system. 7. Call centre application. 8. Patient registration by Aarogyamithra in Network Hospitals.
9. Details of in-patients and out patients in the network hospitals. 10. On-bed reporting system.
11. Costing of the Tests done in the network hospitals. 12. E-preauthorization. 13. Surgery details.
14. Discharge details. 15. Real-time reporting, active data warehousing and analysis system.
16. Claim settlement. 17. Electronic clearance of bills with payment gateway. 18. Follow-up of patient after surgery.
19. Distribution of Follow-up medicines. 20. Rajiv Gandhi Jeevandayee Messaging Services.
21. Grievance and Feedback workflow. 22. Back Tracking System. 23. E-Office management.
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24. Accounting system. 25. TDS workflow.
26. Death reporting system. 24. ONLINE MIS AND E-PREAUTHORISATION:
The Insurance Company should post enough dedicated staff, so as to ensure free flow of daily MIS and ensure that progress of scheme is reported to society in the desired format on a real-time basis. The company should establish proper networking for quick and error- free
processing of pre-authorizations. The pre-authorization has to be done round the clock in co-ordination with Rajiv Gandhi
Jeevandayee Arogya Yojana Societies. By a team of doctors from the Rajiv Gandhi Jeevandayee Arogya Yojana Society and Insurance Company. The preauthorization team shall have all the specialists concerned with the procedures covered
in the scheme on a permanent basis. Rajiv Gandhi Jeevandayee Arogya Yojana Society will provide necessary specialists and technical committees to evaluate special cases from time-to-
time. Rajiv Gandhi Jeevandayee Arogya Yojana Society will provide necessary specialists to evaluate special cases. A technical committee consisting of specialist from Government
Sector nominated by Rajiv Gandhi Jeevandayee Society in the concerned field, CMO of the Insurer and the Project Manager of the Insurer will evaluate and recommend to the CEO of
Rajiv Gandhi Jeevandayee Society. The final decision on all the preauthorization would rest with the CEO of Rajiv Gandhi Jeevandayee Arogya Society. There should be inbuilt anonymity of name of network hospital and health card number in the
software while giving preauthorization and claim settlement. 25. MEDICAL AUDITORS:
The Insurer Company shall appoint enough number of medical auditors who does pre-authorization in consultation with Rajiv Gandhi Jeevandayee Society. The Insurer shall also recruit specialized doctors for regular inspection of hospitals, attend to complaints from
beneficiary families directly or through Aarogyamithras for any deficiency in services by the hospitals and also to ensure proper care and counseling for the patient at network hospital by
coordinating with Aarogyamithras and hospital authorities. 26. PUBLICITY: The Insurance Company on its part should ensure that proper publicity is given to the scheme
in all possible ways. This will include publicity on electronic and print media, distribution of brochures, banners, display boards etc. in public at appropriate places in consultation with
RGJAYS. The spending on this activity should be two percent of premium amount. They shall also effectively use services of Aarogyamitras and district Coordinators for this purpose.
They shall effectively use services of Aarogyamitras and district Coordinators for this purpose. Insurer will give wide publicity through and shall submit time bound programme:
i. Guidebook: The Insurer shall handover the guidebook and related information to the Beneficiary families through the district administration in regional language- Marathi. The Guidebook will inter-alia contains
information regarding the following: Information regarding the Insurer and its address, fax number, website
address and other contact information. Toll free number of the Call Centre Service. List of Network Providers.
Information on symptoms of the diseases / systems covered along with diagrammatic representations.
Information on follow-up required. Information on possible preventive and curative measures.
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Procedure to be followed by the Beneficiary families for availing the Hospitalization Service as Cashless Access Service.
Information regarding the Policy and Benefits. ii. Theatre Sliders
iii. Publicity by Rajiv Gandhi Jeevandayee Help Desk at the PHCs / Rajiv Gandhi Jeevandayee Assistance Counters at Network hospitals.
CAPACITY BUILDING:
I. The Insurer will arrange the workshops / training sessions for the capacity building of the society personnel, their representatives and other stakeholders in respect of
specific field of insurance at each district on the convenience of the society. Insurer will ensure that workshops and medical camps are organized in association with the network hospitals.
II. The help of NGOs/SHGs will be taken by the Rajiv Gandhi Jeevandayee Help Desk / Rajiv Gandhi Jeevandayee Assistance Counters to spread awareness and guide the
prospective patients to the network hospitals. The Insurer will associate in this task. RAJIV GANDHI JEEVANDAYEE MANUAL Rajiv Gandhi Jeevandayee Arogya Yojana Society will publish a detailed Manual for the
Scheme titled Rajiv Gandhi Jeevandayee Arogya Yojana Manual consisting of all operational guidelines and details of the scheme. Rajiv Gandhi Jeevandayee Arogya Yojana Society may
update and modify these guidelines and operational details as per the requirement of the scheme. The insurer has to follow the guidelines and instructions given in the manual while implementing the scheme.
27. SERVICING OF OTHER SCHEMES: Rajiv Gandhi Jeevandayee Arogya Yojana Society reserve the right to request the Insurer to
extend services for processing of claims generated through any other scheme implemented by Rajiv Gandhi Jeevandayee Society. 28. ACTIVITY CHART:
The activity chart submitted by the Insurer as part of the Proposal document and accepted by Rajiv Gandhi Jeevandayee Arogya Society (Appendix-IV) will be followed by the Insurer to
take up the activities as narrated in the scheme and MOU. (In appendix time frame to be given instead of mentioning before commencement of scheme. This will help in monitoring the process)
29. ASSISTANCE FROM THE GOVERNMENT:
The Government will on their part render all possible assistance viz.
i. To give all necessary support for organizing sensitization programmes for the PHCs and Government Hospitals.
ii. To provide financial assistance for health camps by network hospitals (@ Rs.
5000 per camp) ii. To extend necessary support in providing space and other support for locating
Rajiv Gandhi Jeevandayee Help Desks at PHCs / other Government Hospitals. iii. To provide necessary professionals for technical committee.
30. CLAIMS PROCEDURE:
The beneficiary families would be identified by the Rajiv Gandhi Jeevandayee Health card/ at the PHC / Government Hospital level/ Rajiv Gandhi Jeevandayee Assistance Counters in the
network hospital. A self-declaration by the beneficiary /patient prior to hospitalization for the covered treatment that he does not belong to any of the excluded categories may be required. The family member having Health card will be referred to Network Hospital on
recommendation of the Doctors at these centers. The insurer will make payment of the claims directly to the hospital. Payments will be made to the hospitals within 07 days after the receipt
of all documents. The cost of various tests conducted on health card holders for covered procedures who ultimately do not undergo surgery, will be included in the insurance cost. Insurer will ensure that such test are done free of cost to the patient. The claims procedure
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will be carried in the electronic platform of Rajiv Gandhi Jeevandayee Arogya Yojana Society portal. The payment to the Network Hospital will be made online through electronic
clearance. The procedure of processing of the claims will be handled by the project office of the insurer.
The claims procedure will be under taken as detailed below:
i) Claim Intimation
The INSURER shall receive claim intimation from the Network hospital online in the
form as agreed under the scheme. Rajiv Gandhi Jeevandayee Society portal will have reports indicating claim intimations received.
ii) Collection of Claim documents
The INSURER shall offer single window service at the respective Project office to the Network hospital for receiving the claim documents. In case of pre-authorization for
the Cashless Service, the Network hospital will send the claim documents along with the invoice to the INSURER. This also follows an electronic route.
iii) Scrutiny of Claim Documents
The INSURER shall scrutinize the claim documents at the initial stage regarding the medical and eligibility aspect. Deficiency of any documents, if any, shall be
communicated to the Network hospital within 7 working days. A reminder for the same will again be forwarded to the Network hospital once every 3 days of first
intimation of the deficient documents are not received or are partially received. iv) Claim Control Number
The INSURER will settle all eligible claims and pay the sum to the Network hospital
within seven working days of receipt of the claim. A separate Claim Control Number
is to be provided by insurer for every claim made by Network hospital.
v) Payment of Claims and Claim Turn Around Time The INSURER will settle all eligible claims and pay the sum to the Provider within seven working days of receipt of the claim.
vi) Repudiation of claims
The INSURER on repudiation of the claim not covered under the policy, shall mention
the reasons for repudiation on writing and online to the Network hospital. The INSURER shall also intimate the same to Rajiv Gandhi Jeevandayee Arogya Yojana Society online.
vii) Right of Appeal and reopening of claim
Network Hospital shall have a right of appeal to approach the Insurer if the Provider
feels that the claim is payable. If Network Hospital is not agreed with the Insurers‟ decision in this regard, can appeal to the Central Committee and the decision of the Central Committee will be final and binding on the INSURER and Network Hospital.
This right of appeal will be mentioned by the INSURER in every repudiation advice as mentioned in above. The Central Committee can re-open the claim if proper and
relevant documents as required are submitted. viii) Review of paid claims
The Central committee will have the right to reopen a settled claim and to direct the
Insurer to settle for an appropriate amount within a period of 3 months of payment of the claim. The Insurer further agrees to provide access to the Central Committee their
records for this purpose. All the claims settled by the insurer to the network hospitals based on the bills received from the hospitals in conformity with the package rate arrived at and also based on the pre-authorization given by the reopening by the
Insurance company will be reckoned as final and will not be subject to any reopening by any authority except the Central Committee for grievances.
ix) Claim float and Bank Account The Insurer will have a separate Bank account to pay the Network hospital making a valid claim and all payments will be electronically cleared. Detailed reports will be
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electronically cleared. Detailed reports will be made available online on a real-times basis.
x) Co-Ordination Committee A committee shall be constituted under the chairmanship of Chief Executive officer
Rajiv Gandhi Jeevandayee Arogya Yojana Society including representative of Insurer and Network Hospital (nominated by Rajiv Gandhi Jeevandayee Society) to review smooth running and functioning of the identified activities.
31. RESPONSE TIME:
Authorization will be decided within12 Working Hours and the Insurer shall do the settling of
claims within 7 working days after receipt of documents. In case of life threatening emergencies, the preauthorization should be given immediately. To facilitate this, the e preauthorization would carry a sign of “EM” to seek priority attention of authorizers. Insurer‟s
response to the Rajiv Gandhi Jeevandayee Scheme will be immediate through: i. 24 hour call centre
ii. Toll free line, exclusively for this Scheme. iii. Aarogyamithras in Rajiv Gandhi Jeevandayee Help Desks / Rajiv Gandhi
Jeevandayee Assistance Counters
iv. District Coordinators/ Regional Coordinators who are nominated exclusively for this purpose.
32. INSURER REPRESENTATIONS, WARRANTIES AND RESPONSIBILITIES a. Power, Capacity and Authority It has full power, capacity and authority to execute, deliver and perform this
Agreement and it has taken all necessary action (corporate , statutory or otherwise), to execute, deliver, perform and authorize the execution, delivery and per formance
of this Agreement and that it is fully empowered to enter into execute this Agreement, as well as perform all is obligations hereunder.
b. Compliance with Memorandum and Articles
Neither the making of this Agreement, nor compliance with its will be in conflict with or result in the breach of or constitute a default or require any consent under.
I. Any provision of any agreement or other instrument to which such party is a party or by which it is bound;
II. Any judgment, injunction, order, decree or award which is binding upon
such party: and / or III. Such party‟s the Memorandum and/ or Articles of Association.
c. Compliance with Laws
It has complied with all applicable Laws including but not limited to the Insurance Regulatory and Development Authority Regulation.
d. Risk Bearing
Society as the buyer of insurance selected sold insurer i.e. xx Ltd as 100% risk
bearer or carrier and no other insurer is allowed to participate in this direct insurance arrangement.
e. Insurance License
Throughout the term of this Agreement, the Insurer shall continue to be an Insurer under Law and licensed under IRDA regulations to carry on the activities
contemplated herein f. Capability of Service
It is capable of servicing all the products and policies and offered and also have
sufficient infrastructure, trained manpower and resources to carry out the activities for servicing these products and policies.
g. Updating the list of Network Provider
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The empanelment of Network Providers will be a continuous process and the Insurer will abide by the instructions of Rajiv Gandhi Jeevandayee Arogya Yojana Society
in this regard. h. Disclose INSURER- Network Provider agreement
The INSURER agrees that it shall disclose to the society all agreements entered into by the INSURER with any Network Provider
i. Steering Committee
The INSURER shall have interrelated arrangements for common activities like empanelment of hospitals, planning for camps etc. Under the scheme with the
society and other Insurers. A Steering Committee under the chairmanship of the CEO of Rajiv Gandhi Jeevandayee Arogya Yojana Society will oversee these arrangements.
j. Code of conduct Abide by the code of conduct prescribed by the IRDA or any other governmental
body from time to time. k. Discounts and Rebates
Disclose and pass on to the Government/ Rajiv Gandhi Jeevandayee Arogya
Yojana Society the benefit of any discount or rebates provided by the Network provider to the INSURER.
l. Indemnity: The Insurer agrees to defend, indemnify and hold harmless the Insured, its employees, representatives and agents against all claims, demands, judgments, liabilities, damages, costs, expenses, proceedings or prosecutions arising from or
relating to breach of any of the aforesaid representations, warranties, covenants and responsibilities.
RUN-OFF PERIOD
A “Run Off period” of one month will be allowed after the expiry of the policy period i.e. till the midnight of 1 November 2012 for 8 districts Phase-I. This means that pre-authorizations
can be done till the end of policy period and surgeries for such pre-authorizations can be done up to one month after the expiry of policy period and such claim will be honored by the
Insurance Company. 33. JURISDICTION:
Any dispute arising out of this MOU shall be subject to the jurisdictio n of State of
Maharashtra and Mumbai. 34. NON PERFORMANCE:
Failure to perform and abide with the terms will attract the following in the event of termination:
i) The Insurer will pay back to Rajiv Gandhi Jeevandayee Arogya Yojana Society
within one week the unutilized amount of premium after settlement plus service tax ii) In addition to above, the Insurer will pay the total package amount for all the cases
for which preauthorization has been given, but not claimed. iii) In addition to above, the Insurer shall pay interests at the rate of 12% per annum on
the amount refundable as determined by clauses 18(i) and (ii) above for the period
extending from the date of premium paid till the date of date receipt of refund. 35. INFORMATION FLOW:
The Insurer will ensure that the information flow takes place on a real- time basis. The Insurer will use a state of the art dedicated Internet based network for this purpose. 36. RENEWAL:
The policy may be renewed under the mutual consent of both the parties. The premium for renewal shall be agreed upon prior to the expiry of the existing policy.
37. THE PRECEDENCE OF MOU:
The MOU has precedence over statements.
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38. MODIFICATION OF MOU:
The MOU may be modified as and when the need arises in mutual agreement between Rajiv
Gandhi Jeevandayee Arogya Yojana Society and Insurer. 39. MONITORING MECHANISM:
Regular review meetings on the performance/ administration of the Scheme would be held between the Government of Maharashtra / Rajiv Gandhi Jeevandayee Arogya Yojana Society and the Insurer at the Insurer at the District level and at the State Level. The composition of
the monitoring committees shall be as follows: District level:
Chairman: District Collector Co-chairman: Chief Executive Officer Zillah Parishad. Members:
1. District Health Officer. 2. District Supply Officer.
3. District Coordinator of Insurer. 4. Civil Surgeon – Member Secretary
For Mumbai and suburban Mumbai
Chairman: Commissioner, BMC Co-chairman: Additional. Commissioner Health BMC.
Members:
1. District Collector 2. DMER, BMC or Dean of KEM hospital
3. Dean Grant Medical College Mumbai 4. Rationing Controller, Mumbai
5. District Coordinator of Insurer 6. Executive Health Officer BMC - Member Secretary
State Level:
Chairman: Additional Chief Secretary Public Health and Family Welfare Members:
1. Director of Health Services 2. Director Medical Education and Research. 3. Dy. Commissioner Health BMC
3. Project Manager of the Insurer. 4. Member of the Rajiv Gandhi Jeevandayee Society
5. Technical Committee member nominated by Rajiv Gandhi Jeevandayee Society.
6. CEO, Rajiv Gandhi Jeevandayee Arogya Yojana Society– Member
Secretary. The Chairmen of the above committees may invite any non- official member in the project
districts for the meetings. Periodical meetings will be organized at both district and State level. The agenda and issues to be discussed would be mutually decided in advance. The minutes of the meeting at the district and state level will be drawn and a copy will be
forwarded to Rajiv Gandhi Jeevandayee Society. The Insurer shall also put in place a mechanism of their own to monitor the scheme on a real times basis. Detailed reports on the
progress of the scheme and issues if any emerging out of such meetings shall be submitted to Government of Maharashtra / Rajiv Gandhi Jeevandayee Society. 40. GRIEVANCE MECHANISM:
A District level Grievance redressal Committee:
Grievance redressal Committee chaired by District Collector with following members will
form the grievance redressal cell at the district level. The decision by the committee is binding except when an appeal to the central committee at the state level is preferred.
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Members of the Committee: 1. District coordinator of Insurer.
2. District Health Officer 3. Member from the Technical Committee (Nominated by Rajiv Gandhi
Jeevandayee Society) 4. Representative from the Insurer. 5. Civil Surgeon cum District Coordinator of the society – Member Secretary.
For Mumbai and suburban Mumbai Chairman: Commissioner, BMC
Co-chairman: Additional. Commissioner Health BMC. Members:
1. District Collector
2. DMER, BMC or Dean of KEM hospital 3. Dean Grant Medical College Mumbai
4. Rationing Controller, Mumbai 5. District Coordinator of Insurer 6. Executive health Officer BMC - Member Secretary
B State Grievance redressal Committee:
Committee Chaired by Chief Executive Officer of Rajiv Gandhi Jeevandayee Arogya Yojana
Society will entertain all the appeals and grievances at the state level. The decision taken by the committee will be final and binding on the both parties. The committee may call the concerned Network Hospital against whom such grievance is reported.
Members of the Committee: 1. Representative of the Rajiv Gandhi Jeevandayee Society
2. Technical Committee Member 3. Representative from the Insurance firm
C. A toll- free number will be made available at Mumbai where any complaint can be
registered. The Insurer will keep track of the complaints and report on the action taken to the Central Committee. The beneficiary families can also send e-mail / fax /letter to CEO of Rajiv
Gandhi Jeevandayee Arogya Yojana Society/ Zonal Office of the Insurer. The details of toll-free Numbers/ addresses will be available with PHCs and other Govt. hospitals. A separate set-up under the supervision of Executive Director of the Insurer at the Corporate Office will
be setup to deal with the grievances. 41. TERMS & TERMINATION:
1. This Agreement shall take effect on the date of signature hereof by both Parties, and shall remain in force till the end of the policy period and the run off period subject to a right to Rajiv Gandhi Jeevandayee Arogya Yojana Society to
terminate the Agreement, on a review of the performance of the INSURER before the same period. Rajiv Gandhi Jeevandayee Arogya Yojana Society will
review the performance of the INSURER based on factors including but not limited to:
The facilities set up arrangements made by the INSURER toward servicing
the beneficiary families.
The extent of Network Hospital;
The quality of service provided;
The beneficiary families satisfaction reports received;
Withholding of any information as sought by Rajiv Gandhi Jeevandayee Arogya Yojana Society at the Selection and implementation stage of the
scheme; and
Such other factors as the Rajiv Gandhi Jeevandayee Arogya Yojana
Society/Government deems fit. 2. This Agreement may be terminated:
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a) By Rajiv Gandhi Jeevandayee Arogya Yojana Society before the period mentioned above as provided under clause 41 (1)
b) By both parties by mutual consent; or c) Provided it gives the other party at least 60 days prior written notice; or
In case of termination as given above: i) The Insurer will pay back to Rajiv Gandhi Jeevandayee Arogya Yojana
Society within one week the unutilized amount of premium after
settlement plus service tax ii) In addition to above, the Insurer will pay the total package amount for
all the cases for which preauthorization has been given, but not claimed.
iii) In addition to above, the Insurer shall pay interests at the rate of 12%
per annum on the amount refundable as determined by clauses above for the period extending from the date of premium paid till the date of
date receipt of refund. iv) Rajiv Gandhi Jeevandayee Arogya Yojana Society reserves the right to
re-allot the policy to other insurer as it deems fit for the rest of the
period in the event of termination and the Insurer shall not have any claims to it.
v) Performance security will be forefeited. 42. FORCE MAJEURE: Neither party shall be in breach of any of its performance is
prevented, physically hindered or by an act, event or circumstance (whether of the kind
described herein which is not reasonably within the control of such party (Force Majeure Event).
In the event that any Force Majeure Event continues for a period of 4 (four) weeks without interruption, the Party affected by such Force Majeure Event shall be entitled to terminate this agreement by giving notice to the other party, pursuant to, and in accordance with the
provisions of clause provided it gives the other party at least 60 days prior written notice. 43. ASSIGNMENT:
1. Neither party shall be entitled to assign its rights and/or obligations under this Agreement.
2. Subject to the foregoing, this Agreement shall be fully binding upon Insurer to the benefit of and be enforceable by the parties hereto and the respective successors and
permitted assigns. 44. ENTIRE AGREEMENT:
This Agreement entered into between Rajiv Gandhi Jeevandayee Arogya Yojana Society and the INSURER represents the entire agreement between the parties.
45. RELATIONSHIP: The Parties to this Agreement are independent contractors. Neither Party is an agent, representative or partner of the other Party. Neither party shall have any right, power or authority to enter into any agreement or memorandum of understanding for or on behalf of, or incur any obligation or liability of, or to otherwise bind, the other party. This Agreement shall not be interpreted or construed to create an
association, agency, joint venture, collaboration or partnership to such relationship upon either party.
46. SEVERABILITY:
If any provision of this Agreement is invalid, unenforceable or prohibited by law, this
Agreement shall be considered divisible as to such provision shall be inoperative and of the like effect as though such provision was not included herein: 47. NOTICES;
Any notice given under or in connection with this Agreement shall be in writing and in the English language. Notices may be given delivered to the address of the addressee as set out
below (in which case the notice shall be deemed to be served at the time of delivery) by courier services or by fax (in which case the original shall be sent by courier services).
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Name of the Insurer: ----------------------------------------. Attn: ------------------------------------.
E-Mai : ----------------------------------. Fax: ------------------------.
48. GOVERNING LAW:
The validity, performance, construction and effect of this Agreement shall be governed by the laws of the Republic of India. Any resolution of any disputes arising from or in connection
with this Agreement, including a breach thereof, shall also be governed by the laws of the Republic of India.
49. DISPUTE RESOLUTION:
1. If any dispute arises between the parties hereto during the subsistence of this Agreement of thereafter, in connection with the validity Interpretatio n
implementation or alleged breach of any provision of this Agreement, the parties shall refer such dispute to their respective chairmen/CEO‟s for
resolution. In the event that the chairmen/CEO‟s are unable to resolve the dispute within 30 days of it being referred to them, then either Party may refer the dispute for resolution to a sole arbitrator who will be Additional Chief
Secretary / Principal Secretary Public Health and Family Welfare Department Government of Maharashtra, or, in the event that the parties are unable to agree
on the person to act as the sole arbitrator within 30 days after any party has claimed for an arbitrators in written form, by three arbitrators, one to be appointed by each party with power to the two arbitrators so appointed, to
appoint a third arbitrator. 2. The law governing the arbitration shall be the Arbitration and Conciliation Act,
1996 as amended or re-enacted from time to time. 3. The proceedings of arbitration shall be conducted in the English language. 4. The arbitration shall be held in Mumbai, India (please refer 5 below).
This deed is executed in two originals, both of which are operative instruments held by both the parties.
For the Government / Rajiv Gandhi For Insurance Company Jeevandayee Society Chief Executive Officer Chairman Managing Director
Witnesses: 1._______________________ 2. ________________________
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APPENDIX - I
GENERAL GUIDELINES ON THE PACKAGES.
1. The package includes
Consultation, medicines, diagnostics, specialist services
Implants, grafts, prosthetics
Food to patient
Cost of transportation
Hospital Charges, etc. In other words the packages should cover the entire cost of treatment of the patient from
date of reporting, any complications while in hospital to discharge from hospital and 10 days after discharge, making the transaction truly cashless to the patient. The post-
operative hospital stay in all surgical procedures shall be up to 10 days except in case of day care procedures, Medical interventions and chemotherapy for cancers. Civil & criminal claims arising out of medical negligence while treating beneficiary will be responsibility of
network hospital & will be enforced under prevailing legal framework.
2. Hospital shall conduct all diagnostic tests as per standard protocols free of cost.
3. Hospital shall provide 10 days post discharge free follow up consultation, medicines and diagnostics to the patient within package. However, the extended follow up services are entitled for service elements shown in Appendix 1 –b of Part IV.
4. Hospital shall provide reasonably good food to the patient, and shall make alternate arrangement for food wherever in-house pantry is not available. The hospital shall not give
money as an alternative to food. 5.Hospital shall pay return fare for patient from hospital to place of residence of patient at ST
fare. In instance of death, carriage of dead body from network hospital to village/town of the
beneficiary would also be built in this package. 6.Hospital shall procure compatible blood for the surgeries. The hospital shall provide blood from
their own blood bank if required. In case of non-availability the hospital shall procure from other blood banks, Red Cross, voluntary organizations, etc.
7. Hospital shall make all out efforts to apply and get the accreditation from NABH as soon as
possible.
8.The general guidelines published by Rajiv Gandhi Jeevandayee Arogya Yojana Society separately from time to time shall be followed while implementing the packages.
SPECIAL NOTES ON PACKAGES
1. Renal package:
AV fistula and pre-transplant hemodialysis are approved along with ` surgery only and not separately.
Hospital shall provide post-transplant immunosuppressive therapy for one year.
2. Cancer package:
Chemotherapy and radiotherapy should be administered only by professionals trained in
respective therapies (i.e. Medical Oncologists and Radiation Oncologists) and well versed with dealing with the side-effects the treatment can cause. Hospital should have
qualified and registered oncologist, oncosurgeon and Radiotherapist. Tumour board comprising of qualified and registered oncologist, oncosurgeon and Radiotherapist will decide comprehensive treatment plan of patient. If hospital has no Radiotherapy
equipment and Radiotherapist it should have tie up with nearest Radiotherapy center.
Hospital should have qualified and registered oncologist, oncosurgeon and Radiotherapist. Tumour board comprising of qualified and registered oncologist,
oncosurgeon and Radiotherapist will decide comprehensive treatment plan of patient. If hospital has no Radiotherapy equipment and Radiotherapist it should have tie up
with nearest Radiotherapy center.
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Patients with hematological malignancies (leukemia, lymphomas, multiple myeloma) and
pediatric malignancies (Any patient < 14 years of age) should be treated by qualified medical oncologists only.
The advanced radiotherapy packages shall be utilized only for the cases and diseases which
do not respond to conventional radiotherapy package.
Each cycle cost includes
Cost of chemotherapy drugs
Hospital charges
All infusional chemotherapy cancer cases must be treated as inpatients only.
Doctors‟ fees
Supportive care medications (i.e. i.v. fluids, steroids, H2 blockers, anti-emetics)
All investigations
An average of Rs. 2000 to Rs. 5000/- has been added to the above cost, to cover for
treatment of complications. Tumors not included in this list, if have a chemotherapy regimen that is proven to be curative, or provide long term improvements in overall survival will be reviewed on a case by case basis by the technical committee of the
Society. 3. Polytrauma package:
Components of Polytrauma: The components of polytrauma based on the system involved are: 1.Orthopedic trauma, 2. Neuro-Surgical Trauma, 3. Chest Injuries and 4.Abdominal Injuries. The above components may be treated separately or combined as the case warrants. For providing
insurance coverage to polytrauma cases requiring Hospitalization and / or Surgery for Health card holders, management of each of the above can be classified as given below:
Orthopedic trauma 1. Surgical Corrections
Neuro-Surgical Trauma
1. Conservative
2. Surgical Treatment
Chest Injuries
1. Conservative
2. Surgical treatment
Abdominal Injuries
1. Conservative 2. Surgical treatment
I. All cases, which require conservative management with a minimum of one-week hospitalization with evidence of (Imageology based) seriousness of injury to warrant admission, only need to be covered to avoid misuse o f the scheme for
minor / trivial cases. II. In case of Neurosurgical trauma, admission is based on both Imageology evidence
and clinical evidence. III. All surgeries related to poly- trauma are covered irrespective of hospitalization
period.
IV. Initial evaluation of all trauma patients has to be free of cost. 4. Prostheses:
i) Cost of prosthesis is inclusive of foot and shoe, wherever required. ii) Prosthesis must have been manufactured with the materials with BIS (Bureau of
Indian Standards) certification.
iii) All prosthesis shall be functional in nature. iv) Manufacturer shall give minimum of 3 years replacement Guarantee.
v) Manufacturer shall provide free replacement of leather parts / straps, etc. during this period apart from replacement guarantee.
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APPENDIX: 1A
DETAILED LIST OF SPECIFIED SURGERIES AND THERAPIES
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
1 General surgery
Head and Neck
Brach ial Cyst Excision Inv - Clinical Photograph
Post procedure evidence of Clin ical photograph,
Biopsy
20000
2 General surgery
Head and Neck
Cerv ical Rib excision Inv - Color Doppler , X-
RAY Post procedure evidence of X-Ray/Color
doppler
15000
3 General surgery
Head and Neck
Removal o f Submandibular Salivary gland Inv -
Clin ical Photograph , FNAC Post procedure
evidence of Clin ical photograph, Biopsy
10000
4 General surgery
Head and Neck
Parotid Duct Repair Inv - Silography Post
procedure evidence of Silography
20000
5 General surgery
Head and Neck
Branchial Sinus Excision Inv -Clinical Photograph
Post procedure evidence of Clin ical photograph,
Biopsy
20000
6 General surgery
Head and Neck
Hemimandibulectomy Inv - X-Ray Post procedure
evidence of X-Ray
25000
7 General surgery
Head and Neck
Segmental Mandible Excision Inv - X-Ray Post
procedure evidence of X-Ray
25000
8 General surgery
Head and Neck
Carotid Body-tumours Excision Inv - Clinical
Photograph , U S Neck Post procedure evidence of
Clin ical Photograph, Biopsy
30000
9 General surgery
Head and Neck
Partial g lossectomy Inv - Clin ical Photograph,
Biopsy Post procedure evidence of Clinical
Photograph, Biopsy
15000
10 General surgery
Head and Neck
Cystic Hygroma Excision-Extensive Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph, Biopsy
20000
11 General surgery
Head and Neck
Abbe Operation Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
15000
12 General surgery
Head and Neck
Vermilionectomy Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
15000
13 General surgery
Head and Neck
Wedge Excision& Vermilionectomy Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph, Biopsy
20000
14 General surgery
Head and Neck
Wedge Excision Inv - Clin ical Photograph Post
procedure evidence of Clin ical Photograph,Biopsy
15000
15 General surgery
Head and Neck
Cystic Hygroma Excision-Major Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph, Biopsy
20000
16 General surgery
Head and Neck
Thyroid Non
Malignant
Hemithyroidectomy Inv - FNAC , T F T , USG
Post procedure evidence of Clin ical Photograph,
Biopsy
20000
17 General surgery
Head and Neck
Thyroid Non
Malignant
Isthmectomy Inv - FNAC , T F T , USG Post
procedure evidence of Clin ical Photograph,
Biopsy
20000
18 General surgery
Head and Neck
Thyroid Non
Malignant
Partial Thyroidectomy Inv - FNAC , T F T , USG
Post procedure evidence of Clin ical Photograph,
Biopsy
20000
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972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
19 General surgery
Head and Neck
Thyroid Non
Malignant
Resection Enucleation Inv - FNAC , T F T , USG
Post procedure evidence of Clin ical Photograph,
Biopsy
20000
20 General surgery
Head and Neck
Thyroid Non
Malignant
Subtotal Thyroidectomy Inv - FNAC , T F T ,
USG Post procedure evidence of Clin ical
Photograph, Biopsy
20000
21 General surgery
Head and Neck
Thyroid Non
Malignant
Total Thyroidectomy Inv - FNAC , T F T , USG
Post procedure evidence of Clin ical Photograph,
Biopsy
20000
22 General surgery
Head and Neck
Cystic Hygroma Excision-Minor Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph, Biopsy
10000
23 General surgery
Head and Neck
Excision of Lingual Thyro id Inv - Clinical
Photograph , Isotope Scan Post procedure
evidence of Clin ical Photograph, Biopsy
25000
24 General surgery
Head and Neck
Parathyroidectomy Inv - USG Post procedure
evidence of Clin ical Photograph, Biopsy
30000
25 General surgery
Head and Neck
Excision of Thyroglossal Cyst Fistula Inv -
Clin ical Photograph , Radionucleide Scan Post
procedure evidence of Clin ical Photograph,
Biopsy
15000
26 General surgery
Breast
Simple Mastectomy(NM) Inv -Mammography
Post procedure evidence of Clin ical Photograph,
Biopsy
20000
27 General surgery
Abdomen Hernia
Epigastric Hern ia without Mesh Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
15000
28 General surgery
Abdomen Hern ia
Epigastric Hern ia with Mesh Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
30000
29 General surgery
Abdomen Hern ia
Femoral Hernia Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
15000
30 General surgery
Abdomen Hern ia
Hiatus Hern ia Repair Abdominal Inv -U S
Abdomen , UGI Endoscopy Post procedure
evidence of Clin ical Photograph
35000
31 General surgery
Abdomen Hern ia
Rare Hernias (Sp igalion,obuturator,sciatic) Inv -
Clin ical Photograph , USG Post procedure
evidence of Clin ical Photograph
20000
32 General surgery
Abdomen Hern ia
Umbilical Hernia without mesh Inv - Clinical
Photograph Post procedure evidence of Clin ical
Photograph
15000
33 General surgery
Abdomen Hern ia
Umbilical Hernia with mesh Inv - Clinical
Photograph Post procedure evidence of Clin ical
Photograph
25000
34 General surgery
Abdomen Hern ia
Ventral and Scar Hernia without mesh Inv -
Clin ical Photograph , USG Post procedure
evidence of Clin ical Photograph
20000
35 General surgery
Abdomen Hern ia
Ventral and Scar Hernia with mesh Inv - Clin ical
Photograph , USG Post procedure evidence of
Clin ical Photograph
30000
36 General surgery
Abdomen
Lap. Appendectomy Inv - USG Post procedure
evidence of Video, Biopsy, Clin ical Photo
22000
~ 69 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
37 General surgery
Abdomen
Appendicular perforation Inv - USG Post
procedure evidence of Clin ical photograph,
Biopsy
15000
38 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Highly Select ive Vagotomised Inv - Endoscopy
Post procedure evidence of Clin ical photograph
25000
39 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Duodenal perforation Inv - CT-Abdomen , USG ,
X-Ray Post procedure evidence of Clin ical
photograph
20000
40 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Selective Vagotomy Drainage Inv - Endoscopy
Post procedure evidence of Clin ical photograph
40000
41 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Vagotomy Pyloroplasty Inv - Endoscopy Post
procedure evidence of Clin ical photograph
30000
42 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Gastrojejunostomy & Vagotomy Inv - Endoscopy-
Video Photo Post procedure evidence of Clinical
photograph
30000
43 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Operation for bleeding peptic ulcer Inv -
Endoscopy Post procedure evidence of Clinical
photograph
40000
44 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Partial/subtotal Gastrectomy for u lcer Inv -
Endoscopy Post procedure evidence of Clin ical
photograph
40000
45 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Pyloromyotomy Inv - Endoscopy Post procedure
evidence of Clin ical photograph
20000
46 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Gastrostomy Inv - Biopsy , CT , Endoscopy , USG
Post procedure evidence of Clin ical photograph
20000
47 General surgery
Abdomen Stomach,
Duodenum, Jejunum
Gastrostomy Closure Inv -Clin ical Photograph
Post procedure evidence of Clin ical photograph
20000
48 General surgery
Abdomen Small
Intestine
Intussusception Inv - Endoscopy , USG , X-Ray
ABD Post procedure evidence of Clinical
photograph/Biopsy
30000
49 General surgery
Abdomen Small
Intestine
Operation for Acute intestinal obstruction Inv -
Biopsy , Endoscopy , USG , X-Ray ABD Post
procedure evidence of Clin ical photograph/Biopsy
30000
50 General surgery
Abdomen Small
Intestine
Operation for Acute intestinal perforation Inv -
Biopsy , CXR , Endoscopy , USG , X-Ray ABD
Post procedure evidence of Clin ical
photograph/Biopsy
30000
51 General surgery
Abdomen Small
Intestine
Operation for Haemorrhage of the small intestine
Inv - CT W ith Contrast , Endoscopy Post
procedure evidence of Clin ical photograph/Biopsy
40000
52 General surgery
Abdomen Small
Intestine
Operations for Recurrent intestinal obstruction
(Noble p licat ion other) Inv - CT-Contrast Post
procedure evidence of Clin ical photograph/Biopsy
35000
53 General surgery
Abdomen Small
Intestine
Resection & Anastomosis of small intestine Inv -
CT , X-Ray ABD Post procedure evidence of
Clin ical photograph/Biopsy
35000
~ 70 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
54 General surgery
Abdomen Small
Intestine
Ileostomy Inv - Biopsy , Endoscopy , USG Post
procedure evidence of Clin ical photograph
20000
55 General surgery
Abdomen Small
Intestine
Ileostomy Closure Inv - Clinical Photograph Post
procedure evidence of Clin ical photography
20000
56 General surgery
Abdomen Large
Intestine
Mal-rotation & Volvu lus of the midgut Inv - CT ,
X-Ray ABD Post procedure evidence of X-
Ray/Clinical photograph
35000
57 General surgery
Abdomen Large
Intestine
Operation for Volvulus of large bowel Inv - CT-
Contrast , X-Ray Abdomen Post procedure
evidence of X-Ray/Clinical photograph
40000
58 General surgery
Abdomen Large
Intestine
Operation of the Duplication of the intestines Inv -
CT-Contrast Post procedure evidence of Clinical
photograph
40000
59 General surgery
Abdomen Large
Intestine
Left Hemi Colectomy Inv - Barium , CT ,
Endoscopy , USG Post procedure evidence of
Clin ical photograph/Biopsy
30000
60 General surgery
Abdomen Large
Intestine
Right Hemi colectomy Inv - Barium , CT ,
Endoscopy , USG Post procedure evidence of
Clin ical photograph/Biopsy
30000
61 General surgery
Abdomen Large
Intestine
Total Colectomy Inv - Barium , CT , Endoscopy ,
USG Post procedure evidence of Clin ical
photograph/Biopsy
40000
62 General surgery
Abdomen Large
Intestine
Colostomy Inv - Barium , CT , Endoscopy , USG
Post procedure evidence of Clin ical photograph
20000
63 General surgery
Abdomen Large
Intestine
Colostomy Closure Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
20000
64 General surgery
Abdomen Rectum
and anus
Pull through abdominal resection Inv - Clinical
Photograph Post procedure evidence of Clin ical
photograph
30000
65 General surgery
Abdomen Rectum
and anus
Anterior Resection Inv - Biopsy , Clin ical
Photograph , Colonoscopy Post procedure
evidence of Clin ical photograph/Biopsy
50000
66 General surgery
Liver
Operation for Hydatid cyst of liver Inv - CT , USG
Post procedure evidence of USG
30000
67 General surgery
Liver
Portocaval Anastomosis Inv - MRI , UGI
Endoscopy , USG Post procedure evidence of
USG,Endoscopy
80000
68 General surgery Gall
bladder
Cholecystectomy Inv - CT , LFT , USG Post
procedure evidence of Clin ical photograph,USG
20000
69 General surgery Gall
bladder
Lap.Cholecystectomy Inv - CT , LFT , USG Post
procedure evidence of Clin ical photograph,USG,
Video
25000
70 General surgery Gall
bladder
Cholecystectomy & Exploration CBD Inv - CT ,
LFT , USG Post procedure evidence of Clin ical
photograph,USG, T-Tube, Cholangiogram
25000
71 General surgery Gall
bladder
Lap Cholecystostomy with Explorat ion CBD Inv -
CT , LFT , USG Post procedure evidence of
Clin ical photograph,USG
30000
72 General surgery Gall
bladder
Cystojejunostomy Inv - CT , LFT , USG Post
procedure evidence of Clin ical photograph,USG
40000
~ 71 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
73 General surgery Gall
bladder
Cystogastrostomy Inv - CT , LFT , USG Post
procedure evidence of Clin ical photograph,USG
40000
74 General surgery Gall
bladder
Repair of CBD Inv - CT , LFT , USG Post
procedure evidence of Clin ical photograph,USG,
T-Tube, Cholangiogram
25000
75 General surgery
Adrenals
Operation of Adrenal g lands, bilateral fo r tumour
Inv - Biochemical Investigations , CT , USG Post
procedure evidence of USG,Biopsy
40000
76 General surgery
Adrenals
Operation on Adrenal glands unilateral for tumour
Inv - Biochemical Investigations , CT , USG Post
procedure evidence of USG,Biopsy
25000
77 General surgery
Spleen
Splenectomy for Hypersplenism Inv - CT ,
Peripheral Smear , USG Post procedure evidence
of USG
35000
78 General surgery
Spleen
Splenorenal Anastomosis Inv - MRI , UGI
Endoscopy , USG Post procedure evidence of
USG,Endoscopy
60000
79 General surgery
Spleen
Warren shunt Inv - MRI , UGI Endoscopy , USG
Post procedure evidence of USG,Endoscopy
60000
80 ENT surgery Ear Labyrinthectomy Inv - CT-Scan PTI , IA Post
procedure evidence of Clin ical photograph
20000
81 ENT surgery Ear Facial Nerve Decompression Inv - CT-Scan Post
procedure evidence of Clin ical photograph
20000
82 ENT surgery Ear Temporal Bone Excision Inv - CT-Scan MRI Scan
Post procedure evidence of Clin ical photograph
50000
83 ENT surgery Throat Microlaryngeal Surgery Inv - Nasal Endoscopy
Post procedure evidence of Clin ical photograph
12000
84 ENT surgery Throat Phono Surgery for Vocal cord paralysis Inv - CT-
Scan MRI Scan Post procedure evidence of
Clin ical photograph
25000
85 ENT surgery Throat Laryngo Fissurectomy Inv - CT-Scan Post
procedure evidence of Clin ical photograph
20000
86 ENT surgery Throat Excision of Tumours in Pharynx Inv - FNAC Post
procedure evidence of Clin ical photograph,
Biopsy
20000
87 ENT surgery Throat Parapharyngeal tumour Excision Inv - CT-Scan
MRI Scan , FNAC Post procedure evidence of
Clin ical photograph,Biopsy
20000
88 ENT surgery Throat Adenoidectomy - Gromet insertion Inv -
Impedance Audiometry , X-Ray Nasopharynx
Post procedure evidence of Clin ical photograph
10000
89 ENT surgery Throat Uvulo-palato Pharyngoplasty Inv -
Polysomnography Post procedure evidence of
Clin ical photograph
25000
90 ENT surgery Nose Endoscopic Sinus Surgery Inv - CT PNS , DNE
Photo graph Post procedure evidence of
Endoscopy photo
15000
91 ENT surgery Nose Mastoidectomy Inv - CT Temporal Bone , PTA
Post procedure evidence of X-Ray mastoids
15000
92 ENT surgery Nose Tympanoplasty Inv - PTA , X-Ray Mastoids Post
procedure evidence of PTA,Per OP photo.
15000
~ 72 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
93 ENT surgery Nose Stapedectomy + Veingraft Inv - CT Temporal
Bone , Impedance Audiometry , PTA Post
procedure evidence of Clin ical photo with
piston+vein graft.
15000
94 ENT surgery Nose Excision of benign tumour nose Inv - CT PNS ,
DNE Post procedure evidence of Clin ical
photograph
15000
95 ENT surgery Nose Angiofibroma nose Inv - CT PNS , DNE Post
procedure evidence of Clin ical photograph
40000
96 ENT surgery Nose Endoscopic DCR Inv - Clinical Photograph Post
procedure evidence of Endoscopic photo
20000
97 ENT Bronchoscopic foreign body removal Inv -
Relevant X-Ray Post procedure evidence of
Clin ical photograph
20000
98 Ophthalmology
Cornea Sclera
Therapeutic penetrating keratoplasty Inv - B Scan
Post procedure evidence of Clin ical photograph
15000
99 Ophthalmology
Cornea Sclera
Lamellar keratoplasty Inv - B Scan Post procedure
evidence of Clin ical photograph
3000
100 Ophthalmology
Cornea Sclera
Corneal patch graft Inv -Clin ical Photograph Post
procedure evidence of Clin ical photograph
4000
101 Ophthalmology
Cornea Sclera
Scleral patch graft Inv - Clin ical Photograph Post
procedure evidence of Clin ical photograph
6000
102 Ophthalmology
Cornea Sclera
Penetrating keratoplasty Inv - Clinical Photograph
Post procedure evidence of Clin ical photograph
15000
103 Ophthalmology
Cornea Sclera
Double Z plasty Inv - Clin ical Photograph Post
procedure evidence of Clin ical photograph
4000
104 Ophthalmology
Cornea Sclera
Amniotic membrane graft Inv - Clinical
Photograph Post procedure evidence of Clin ical
photograph
7000
105 Ophthalmology
Vitreo
Vitrectomy Inv - B Scan Post procedure evidence
of Clinical photograph
6000
106 Ophthalmology
Vitreo
Vitrectomy + Membrane peeling+ endolaser Inv -
B.Scan , Fundus Photograph Post procedure
evidence of Fundus photograph
25000
107 Ophthalmology
Vitreo
Monthly Intravitreal Anti-VEGF for macular
degeneration - per in jection (maximum - 6) Inv -
B.Scan , Fundus Photograph Post procedure
evidence of Fundus photo, Fundus fluorescence
angiography and optical coherence tomography.
7000
108 Ophthalmology
Vitreo
Vitrectomy - Membrane peeling endolaser ,
Silicon oil or gas Inv - B.Scan , Fundus
Photograph Post procedure evidence of Fundus
photograph
30000
109 Ophthalmology
Retina
Scleral buckle for Ret inal detachment Inv -
B.Scan , Fundus Photograph Post procedure
evidence of Fundus photograph
15000
110 Ophthalmology
Retina
Photocoagulation for diabetic retinopathy per
sitting Inv - B.Scan , Fundus Photograph Post
procedure evidence of Fundus photograph
1500
111 Ophthalmology
Vitreo
Vitrectomy plus silicon oil or gas Inv - B.Scan ,
Fundus Photograph Post procedure evidence of
Fundus photograph
20000
~ 73 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
112 Ophthalmology
Vitreo
Removal Of Silicon Oil Or Gas Inv - B.Scan ,
Fundus Photograph Post procedure evidence of
Fundus photograph
6000
113 Ophthalmology Orb it Socket reconstruction Inv - Clin ical Photograph
Post procedure evidence of Clin ical Photograph
7000
114 Ophthalmology Orb it Dermis fat graft Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
9000
115 Ophthalmology Orb it Orbitotomy Inv - CT Scan Post procedure
evidence of Clin ical Photograph
10000
116 Ophthalmology Orb it Enuleation with orb ital implant Inv - CT Skull ,
Clin ical Photograph , Orb it Post procedure
evidence of Clin ical Photograph
20000
117 Ophthalmology
Squint correction
surgery
Rectus muscle surgery single Inv - Clinical
Photograph Post procedure evidence of Clin ical
Photograph
6000
118 Ophthalmology
Squint correction
surgery
Rectus muscle surgery Two/Three Inv - Clinical
Photograph Post procedure evidence of Clin ical
Photograph
12000
119 Ophthalmology
Squint correction
surgery
Oblique muscle Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
6000
120 Ophthalmology Lid
surgery
Lid reconstruction surgery Inv - Clinical
Photograph Post procedure evidence of Clin ical
Photograph
15000
121 Pediatric Ophthalmic
surgery
Photocoagulation for Ret inopathy of prematurity
Inv - Fundus Fluorescence Angiography , Fundus
Photograph , Optical Coherence Tomography Post
procedure evidence of Clin ical Photograph
showing procedure.
7500
122 Pediatric Ophthalmic
surgery
Pediatric cataract surgery - Phacoemulsification -
IOL Inv - B.Scan , Fundus Photograph Post
procedure evidence of Clin ical Photograph
15000
123 Pediatric Ophthalmic
surgery
Glaucoma filtering surgery for paediatric
Glaucoma Inv - USG Fundus Fluorescence
Angiography , Fundus Photograph Post procedure
evidence of Clin ical Photograph
15000
124 Obstetrics Caesarean Hysterectomy with Bladder Repair Inv
- USG Post procedure evidence of Post op
USG/Photograph
30000
125 Obstetrics Rupture Uterus Inv - USG Post procedure
evidence of USG
25000
126 Obstetrics Eclampsia with complication requiring ventilatory
support Inv - ABG , APTT , CUE , Haematocrit ,
LFT , PT , Platelet Count , RFT , S.Fibrinogen
Level Post procedure evidence of Clinical
Photograph, Biochemical investigations
20000
127 Obstetrics Abruptioo placenta with coagulation defect - DIC.
Inv - APTT , Heamatocrit , PT , Platelet Count ,
S.Fibrinogen Level , USG Post procedure
evidence of Clin ical Photograph of retroplacental
clots, USG
20000
128 Gynaecology LAVH Inv - USG Post procedure evidence of Post
op USG,Biopsy,Video.
30000
~ 74 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
129 Gynaecology Vaginal Hysterectomy with pelvic floor repair Inv
- Scan Post procedure evidence of Post op
USG,Biopsy
20000
130 Gynaecology Vaginal Hysterectomy with Mesh repair Inv -
USG Post procedure evidence of Post op
USG,Biopsy
25000
131 Gynaecology Cystocele ,Rectocele & Perineorraphy Inv - USG
Post procedure evidence of Post op USG,Biopsy
20000
132 Gynaecology Pelvic floor Reconstruction with mesh Inv - USG
Post procedure evidence of Post op USG,Biopsy
20000
133 Gynaecology Mc Indo-s repair fo r Vaginal Atresia Inv - Post
procedure evidence of Post op USG,Biopsy
30000
134 Gynaecology Slings with mesh repair for prolapse Inv - USG
Post procedure evidence of USG
40000
135 Gynaecology Vault prolapse abdominal repair Inv - Clinical
Photograph , USG Post procedure evidence of
USG
25000
136 Gynaecology Vault prolapse abdominal repair with mesh Inv -
Clin ical Photograph , USG Post procedure
evidence of USG
25000
137 Gynaecology Laparoscopic Cystectomy Inv - USG Post
procedure evidence of USG,Biopsy,Video.
20000
138 Gynaecology Laparoscopic Ectopic Resection Inv - USG Post
procedure evidence of USG,Biopsy,Video.
20000
139 Gynaecology Laparoscopic ovarian drilling Inv - USG Post
procedure evidence of USG,Biopsy,Video.
15000
140 Gynaecology Laparoscopic Myomectomy Inv - USG Post
procedure evidence of USG,Biopsy,Video.
25000
141 Gynaecology Laparoscopic recanalisation Inv - USG Post
procedure evidence of USG,Biopsy,Video.
20000
142 Gynaecology Laparoscopic Sling operations Inv - USG Post
procedure evidence of USG,Biopsy,Video.
25000
143 Gynaecology Laparoscopic adhesolysis Inv - USG Post
procedure evidence of USG,Biopsy,Video.
25000
144 Gynaecology Vaginal Hysterectomy Inv - Scan Post procedure
evidence of Post op USG AND Biopsy
20000
145 Orthopedics Fracture
Correct ion Surgeries
Bone Grafting as exclusive procedure Inv - X-Ray
Post procedure evidence of Post op X-Ray
20000
146 Orthopedics Fracture
Correct ion Surgeries
Excision or other Operations for Scaphoid
Fractures Inv - X-Ray Post procedure evidence of
Post op X-Ray
15000
147 Orthopedics Fracture
Correct ion Surgeries
Open Reduction & Internal Fixation of Fingers &
Toes @Rs5000 each up to maximum of Rs 15000
Inv - X-Ray Post procedure evidence of Post op
X-Ray
15000
148 Orthopedics Fracture
Correct ion Surgeries
Reduction of Compound Fractures & External
fixation Inv -X-Ray Post procedure evidence of
Post op X-Ray
15000
149 Orthopedics Fracture
Correct ion Surgeries
ILIZAROV Ring Fixator Application Inv - X-Ray
Post procedure evidence of Clin ical photograph,X-
Ray
40000
~ 75 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
150 Orthopedics Fracture
Correct ion Surgeries
CTEV Neglected . JESS Fixator Inv - Clinical
Photograph Post procedure evidence of Clin ical
photograph,X-Ray
30000
151 Orthopedics Open Reduction of Dislocations - Deep Inv - X-
Ray Post procedure evidence of Post op X-Ray
30000
152 Orthopedics Amputations - Forequarter Inv - X-Ray Post
procedure evidence of Clin ical photograph,X-Ray
30000
153 Orthopedics Amputations - Hind Quarter and Hemipelvectomy
Inv - X-Ray Post procedure evidence of Clin ical
photograph,X-Ray
40000
154 Orthopedics Bone
and Joint Surgery
procedures
Arthrodesis of - Major Joints Inv - Flu id Analysis ,
X-Ray Post procedure evidence of Post op X-Ray
30000
155 Orthopedics Bone
and Joint Surgery
procedures
Arthroscopy - Diagnostic Inv - MRI Post
procedure evidence of Arthroscopy picture
20000
156 Orthopedics Bone
and Joint Surgery
procedures
Arthroscopy . Operative Meniscectomy Inv - MRI
Post procedure evidence of Arthroscopy picture
25000
157 Orthopedics Bone
and Joint Surgery
procedures
Arthroscopy - ACL Repair Inv - MRI Post
procedure evidence of Arthroscopy picture
30000
158 Orthopedics Bone
and Joint Surgery
procedures
Avascular Necrosis of Femoral Head (core
decompression) Inv - MRI , X-Ray Post procedure
evidence of Post op X-Ray
15000
159 Orthopedics Bone
and Joint Surgery
procedures
Soft Tissue reconstruction Procedures for
Joints/Osteotomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph,X-Ray
30000
160 Orthopedics spine
Surgery
Anterolateral Clearance for Tuberculosis Inv -
MRI Post procedure evidence of Post op X-Ray,
Biopsy
50000
161 Orthopedics Spine
surgery
Costo Transversectomy Inv - MRI Post procedure
evidence of Post op X-Ray
30000
162 Orthopedics Spine
surgery
Spinal Ostectomy and Internal Fixations Inv -
MRI Post procedure evidence of Post op X-Ray
40000
163 Orthopedics Soft
Tissue Surgery
Nerve Repair with Graft ing Inv - Clinical
Photograph Post procedure evidence of Clinical
Photograph
30000
164 Orthopedics Soft
Tissue Surgery
Neurolysis/Nerve Suture Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
25000
165 Orthopedics Soft
Tissue Surgery
Operations for Brachial Plexus & Cerv ical Rib Inv
- MRI Post procedure evidence of Clinical
Photograph,X-Ray
30000
166 Orthopedics Bone
tumours
Excision of Bone Tumours . Deep with re-
construction with conventional prosthes is Inv -
MRI Post procedure evidence of Clin ical
Photograph,X-Ray
40000
167 Surgical
Gastroenterology
Emergency
Surgery for Bleeding Ulcers Inv - Endoscopy Post
procedure evidence of Endoscopy picture
40000
168 Surgical
Gastroenterology
Surgery for Obscure GI Bleed Inv - Endoscopy
Post procedure evidence of Endoscopy picture
60000
~ 76 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Emergency
169 Surgical
Gastroenterology
Emergency
Diaphragmatic Hernia (Gortex Mesh Repair) Inv -
Ba.Study , CXR , Endoscopy , USG Post
procedure evidence of Clin ical photograph,
Biopsy
40000
170 Surgical
Gastroenterology
Liver
Rt Hepatectomy Inv - CT , ERClinical Photograph
, USG Post procedure evidence of Clin ical
photograph, USG
75000
171 Surgical
Gastroenterology
Liver
Lt Hepatectomy Inv - CT , ERClinical Photograph
, USG Post procedure evidence of Clin ical
photograph, USG
75000
172 Surgical
Gastroenterology
Liver
Segmentectomy Inv - CT , ERClinical Photograph
, USG Post procedure evidence of Clin ical
photograph, USG
50000
173 Surgical
Gastroenterology
Pancreas
Distal Pancreatectomy Inv - CT , ERCP Post
procedure evidence of Clin ical photograph, USG
100000
174 Surgical
Gastroenterology
Pancreas
Enucleation of cyst Inv - CT Post procedure
evidence of Clin ical photograph, USG
75000
175 Surgical
Gastroenterology
Pancreas
Whipples any type Inv - CT , ERCP Post
procedure evidence of Clin ical photograph, USG
75000
176 Surgical
Gastroenterology
Pancreas
Trip le bypass Inv - CT Post procedure evidence of
Clin ical photograph, USG
25000
177 Surgical
Gastroenterology
Pancreas
Other Bypasses Inv - CT Post procedure evidence
of Clinical photograph, USG
25000
178 Surgical
Gastroenterology
Oesophagus
Colonic Pull up Inv - Biopsy , CT-Scan ,
Endoscopy Post procedure evidence of Clinical
photograph, Biopsy
30000
179 Surgical
Gastroenterology
Oesophagus
Oesophagectomy Inv - Biopsy , CT-Scan ,
Endoscopy Post procedure evidence of Endoscopy
picture, Biopsy
60000
180 Surgical
Gastroenterology
Oesophagus
Oesophago-Gastrectomy Inv - Biopsy , CT-Scan ,
Endoscopy Post procedure evidence of Endoscopy
picture, Biopsy
75000
181 Surgical
Gastroenterology
Oesophagus
Lap Heller‟s myotomy Inv - Biopsy , CT-Scan ,
Endoscopy Post procedure evidence of Endoscopy
picture, Biopsy
30000
182 Surgical
Gastroenterology
Oesophagus
Lap Fundoplicat ions Inv - Biopsy , CT-Scan ,
Endoscopy Post procedure evidence of Endoscopy
picture, Biopsy
45000
183 Surgical
Gastroenterology
Stomach
Partial Gastrectomy Inv - Biopsy , EUS , USG
Post procedure evidence of Clin ical
photograph,Biopsy
40000
184 Surgical
Gastroenterology
Stomach
Total Gastrectomy Inv - Biopsy , CT-Scan ,
Endoscopy , USG Post procedure evidence of
Clin ical photograph,Biopsy
40000
185 Surgical
Gastroenterology
Stomach
Truncal vagotomy + Gastro Jejunostomy Inv -
Biopsy , CT-Scan , Endoscopy , USG Post
procedure evidence of Clin ical
photograph,Biopsy
40000
~ 77 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
186 Surgical
Gastroenterology
Stomach
Distal Gastrectomy for Gastric Outlet obstruction
Inv - Biopsy , CT-Scan , Endoscopy , USG Post
procedure evidence of Clin ical
photograph,Biopsy
40000
187 Surgical
Gastroenterology
Stomach
Surgery for Corrosive inju ry Stomach Inv -
Biopsy , CT-Scan , Endoscopy , USG Post
procedure evidence of Clin ical
photograph,Biopsy
50000
188 Surgical
Gastroenterology
Small Intestine
Volvulus Inv - CT-Scan , X-Ray ABD Post
procedure evidence of Clin ical
photograph,Biopsy
40000
189 Surgical
Gastroenterology
Small Intestine
Malrotation Inv - CT-Scan , X-Ray ABD Post
procedure evidence of Clin ical
photograph,Biopsy
40000
190 Surgical
Gastroenterology
Small Intestine
Lap Adhesiolysis Inv - CT-Scan , X-Ray ABD
Post procedure evidence of Clinical
photograph,Biopsy
40000
191 Surgical
Gastroenterology
Large Intestine
Right Hemicolectomy Inv - Biopsy , CT-Scan ,
Colonoscopy , Endoscopy Post procedure
evidence of Clinical photograph,Biopsy
30000
192 Surgical
Gastroenterology
Large Intestine
Left Hemicolectomy Inv - Biopsy , CT-Scan ,
Colonoscopy , Endoscopy Post procedure
evidence of Clinical photograph,Biopsy
30000
193 Surgical
Gastroenterology
Large Intestine
Extended Right Hemico lectomy Inv - Biopsy ,
CT-Scan , Colonoscopy , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
35000
194 Surgical
Gastroenterology
Large Intestine
Anterior Resection Inv - Biopsy , CT-Scan ,
Colonoscopy , Endoscopy Post procedure
evidence of Clinical photograph,Biopsy
40000
195 Surgical
Gastroenterology
Large Intestine
Anterior Resection with Ileostomy Inv - Biopsy ,
CT-Scan , Colonoscopy , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
50000
196 Surgical
Gastroenterology
Large Intestine
Abdomino Perineal Resection(Non-Malignant)
Inv - Biopsy , CT-Scan , Colonoscopy ,
Endoscopy Post procedure evidence of Clin ical
photograph,Biopsy
50000
197 Surgical
Gastroenterology
Large Intestine
Hartman.s Procedure with Colostomy Inv - Biopsy
, CT-Scan , Colonoscopy , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
45000
198 Surgical
Gastroenterology
Ulcerative colitis III
stage procedure
I Stage-Sub Total Colectomy + Ileostomy Inv -
CT-Scan with Contrast , Colonoscopy ,
Endoscopy Post procedure evidence of Clin ical
photograph,Biopsy
50000
199 Surgical
Gastroenterology
Ulcerative colitis III
stage procedure
II Stage-J - Pouch Inv - Colonoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
30000
200 Surgical
Gastroenterology
Ulcerative colitis III
stage procedure
III Stage-Ileostomy Closure Inv - Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
20000
~ 78 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
201 Surgical
Gastroenterology
Ulcerative colitis II
stage procedure
I Stage- Sub Total Colectomy + Ileostomy + J -
Pouch Inv - CT-Scan with Contrast , Co lonoscopy
, Endoscopy Post procedure evidence of Clinical
photograph,Biopsy
80000
202 Surgical
Gastroenterology
Ulcerative colitis II
stage procedure
II Stage- Ileostomy Closure Inv - CT-Scan with
Contrast , Colonoscopy , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
20000
203 Surgical
Gastroenterology
Liver
Hepato Cellular Carcinoma(Advanced) Radio
Frequency Ablation Inv - Biopsy , CT-Scan ,
EUSDiagnostic Laparoscopy , Intra operative
Ultrasound Post procedure evidence of Clin ical
photograph/USG
60000
204 Surgical
Gastroenterology
Liver
Haemangioma SOL Liver Hepatectomy + Wedge
Resection Inv - CT-Scan , Endoscopy , USG Post
procedure evidence of Clin ical
photograph/Biopsy/USG
75000
205 Surgical
Gastroenterology
Liver
Hydatid cyst-Marsupilisation Inv - Biopsy , CT-
Scan , USG Post procedure evidence of Clinical
photograph/Biopsy/USG
30000
206 Surgical
Gastroenterology
Gall Bladder
Cyst excision + Hepatic Jejunostomy Inv - CT ,
USG Post procedure evidence of Clinical
photograph,Biopsy
45000
207 Surgical
Gastroenterology
Gall Bladder
GB+ Calculi CBD Stones or Dilated CBD Inv -
CBD , ERClinical Photograph , USG Post
procedure evidence of Clin ical
photograph,Biopsy
25000
208 Surgical
Gastroenterology
Gall Bladder
Hepatico Jejunostomy Inv - Biopsy , CT-Scan
Post procedure evidence of Clinical
photograph,Biopsy
45000
209 Surgical
Gastroenterology
Gall Bladder
Choledochoduodenostomy Or Choledocho
jejunostomy Inv - CT , USG Post procedure
evidence of Clinical photograph,Biopsy
35000
210 Surgical
Gastroenterology
Spleen
Splenectomy Inv - CT , USG Post procedure
evidence of Clinical photograph,USG
35000
211 Surgical
Gastroenterology
Spleen
Splenectomy + Devascularisation + Spleno Renal
Shunt Inv - CT , USG Post procedure evidence of
Clin ical photograph,Biopsy
60000
212 Surgical
Gastroenterology
Spleen
Spleenectomy for Space occupying lesion Inv -
CT , USG Post procedure evidence of Clinical
photograph,USG
35000
213 Surgical
Gastroenterology
Pancreas
Lap- Pancreatic Necrosectomy Inv - CT-Scan ,
ERCP , ERClinical Photograph , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
100000
214 Surgical
Gastroenterology
Pancreas
Lateral PancreaticoJejunostomy(Non- Malignant)
Inv - CT-Scan , ERCP , ERClinical Photograph ,
Endoscopy Post procedure evidence of Clin ical
photograph,Biopsy
100000
215 Surgical
Gastroenterology
Pancreas
Pancreatic Necrosectomy (open) Inv - CT-Scan ,
ERCP , ERClinical Photograph , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
100000
~ 79 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
216 Surgical
Gastroenterology
Pancreas
Distal Pancreatectomy + Splenectomy Inv - CT-
Scan , ERCP , ERClinical Photograph ,
Endoscopy Post procedure evidence of Clin ical
photograph,Biopsy
100000
217 Surgical
Gastroenterology
Pancreas
Central Pancreatectomy Inv - CT-Scan , ERCP ,
ERClin ical Photograph , Endoscopy Post
procedure evidence of Clin ical
photograph,Biopsy
100000
218 Surgical
Gastroenterology
Pseudocyst
Cysto Jejunostomy Inv - CT , USG Post procedure
evidence of Clinical photograph,Biopsy
40000
219 Surgical
Gastroenterology
Pseudocyst
Cysto Gastrostomy Inv - CT , USG Post procedure
evidence of Clinical photograph,Biopsy
40000
220 Card iology Coronary ballon Angioplasty Inv - 2 CAD Post
procedure evidence of Clin ical photograph
60000
221 Card iology PTCA Addit ional Stent Inv - CAG Post procedure
evidence of Clin ical photograph
20000
222 Card iology ASD Device closure Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
80000
223 Card iology VSD Device closure Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
80000
224 Card iology PDA Stenting Inv - 2D ECHO Post procedure
evidence of Clin ical photograph, 2D Echo
65000
225 Card iology PDA Device closure Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
60000
226 Card iology Coil Closure Single coil Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
20000
227 Card iology Coil Closure Multiple co ils Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
30000
228 Card iology Balloon
procedures
Balloon Valvotomy Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
20000
229 Card iology Balloon
procedures
Balloon Atrial septostomy Inv - 2D ECHO Post
procedure evidence of Clin ical photograph, 2D
Echo
30000
230 Card iology
Pacemaker
implantation
Permanent pacemaker implantation Inv - CAG ,
ECG Post procedure evidence of Clin ical
photograph, 2D Echo
75000
231 Card iology
Pacemaker
implantation
Temporary pacemaker implantation Inv - CAG ,
ECG Post procedure evidence of Clin ical
photograph, 2D Echo
10000
232 Card iology
Coarctation of Aorta
repair / Aortoplasty
Coarctation of Aorta Repair With stent Inv - 2D
ECHO , CAG Post procedure evidence of Clin ical
photograph, Doppler
80000
233 Card iology
Coarctation of Aorta
repair / Aortoplasty
Coarctation of Aorta Repair Without stent Inv -
Aortogram Post procedure evidence of Clin ical
photograph, Doppler
30000
~ 80 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
234 Card iology
Angioplasty
Renal Angioplasty Inv - Angiogram Post
procedure evidence of Clin ical photograph,
Doppler
60000
235 Card iology
Angioplasty
Peripheral Angioplasty Inv - 2D ECHO ,
Angiogram Post procedure evidence of Clinical
photograph, Doppler
60000
236 Card iology
Angioplasty
Vertebral Angioplasty Inv - Angiogram Post
procedure evidence of Clin ical photograph,
Doppler
75000
237 Card iology
Angioplasty
Angioplasty Additional Stent Inv - Angiogram
Post procedure evidence of Clin ical photograph,
Doppler
40000
238 CVTS Surgery fo r
CAD
Coronary bypass Surgery on pump with IABP Inv
- CAG, 2D ECHO Post procedure evidence of
Clin ical photograph
150000
239 CVTS Surgery fo r
CAD
Coronary bypass Surgery off pump with IABP Inv
- 2D ECHO Post procedure evidence of Clinical
photograph.
150000
240 CVTS Vascular
Surgeries
Peripheral embolectomy without graft Inv -
Angiogram , Sp iral CT Angiogram Post procedure
evidence of Color Doppler
25000
241 CVTS Vascular
Surgeries
Excision of AV Malformat ion Large Inv - MRI
Angiogram , Sp iral CT Angiogram Post procedure
evidence of Color Doppler
75000
242 CVTS Vascular
Surgeries
Excision of AV Malformat ion Small Inv - MRI
Angiogram , Sp iral CT Angiogram Post procedure
evidence of Color Doppler
40000
243 CVTS Vascular
Surgeries
Arterial embolectomy Inv - Angiogram , Color
Doppler Post procedure evidence of Color
Doppler/SBP/PVR
20000
244 CVTS Vascular
Surgeries
A V Fistula at Wrist Inv - Color Doppler Post
procedure evidence of Color Doppler
10000
245 CVTS Vascular
Surgeries
A V Fistula at Elbow Inv - Color Doppler Post
procedure evidence of Color Doppler
20000
246 CVTS Vascular
Surgeries
D V T - IVC Filter Inv - Color Doppler Post
procedure evidence of Plain X-Ray abdomen,
Clin ical photograph
100000
247 CVTS Vascular
Surgeries
Vascular tumours Inv - Angiogram , Spiral CT
Post procedure evidence of Color Doppler
40000
248 CVTS Vascular
Surgeries
Small arterial aneurysms - Repair Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
15000
249 CVTS Vascular
Surgeries
Medium size arterial aneurysms - Repair Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
50000
250 CVTS Vascular
Surgeries
Medium size arterial aneurysms with synthetic
graft Inv - Angiogram , Spiral CT Post procedure
evidence of Color Doppler
75000
251 CVTS Vascular
Surgeries
Aorto Billac - Bifemoral bypass with synthetic
graft Inv - Angiogram , Spiral CT Post procedure
evidence of Color Doppler
125000
~ 81 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
252 CVTS Vascular
Surgeries
Axillo Bifemoral Bypass with synthetic graft Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
100000
253 CVTS Vascular
Surgeries
Femorodistal Bypass with vein graft Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
60000
254 CVTS Vascular
Surgeries
Femorodistal Bypass with synthetic graft Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
80000
255 CVTS Vascular
Surgeries
Axillo b rachial bypass using with synthetic graft
Inv - Angiogram , Spiral CT Post procedure
evidence of Color Doppler
65000
256 CVTS Vascular
Surgeries
Brach ioradial bypass with synthetic graft Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
50000
257 CVTS Vascular
Surgeries
Carotid body tumour Excision Inv - Angiogram ,
Spiral CT Post procedure evidence of Color
Doppler
60000
258 CVTS Vascular
Surgeries
Carotid artery bypass with synthetic graft Inv -
Angiogram , Sp iral CT Post procedure evidence of
Color Doppler
100000
259 CVTS - Surgery for
Card iac injuries
Surgery without CPB Inv - 2D Echo Post
procedure evidence of 2D Echo
40000
260 CVTS - surgery for
Card iac injuries
Surgery with CPB Inv - 2D Echo Post procedure
evidence of 2D Echo
75000
261 CVTS - Surgery for
CAD
CABG on pump without IABP Inv - 2D ECHO ,
CAG Post procedure evidence of Clinical
photograph
125000
262 CVTS - Surgery for
CAD
CABG of pump without IABP Inv - 2D ECHO ,
CAG Post procedure evidence of Clinical
photograph
125000
263 CVTS - Surgery for
CAD
CABG with aneurysmal repair Inv - CAG Post
procedure evidence of Clin ical photograph
110000
264 CVTS Valve
replacement
Mitral valve rep lacement (with valve) Inv - 2D
ECHO Post procedure evidence of 2D Echo
120000
265 CVTS Valve
replacement
Aortic valve replacement (with valve) Inv - 2D
ECHO Post procedure evidence of 2D Echo
120000
266 CVTS Valve
replacement
Tricuspid valve replacement Inv - 2D ECHO Post
procedure evidence of 2D Echo
120000
267 CVTS Valve
replacement
Double valve rep lacement (with valve) Inv - 2D
ECHO Post procedure evidence of 2D Echo
150000
268 CVTS Pericard ium Percardiostomy Inv - 2D ECHO Post procedure
evidence of 2D Echo
10000
269 CVTS Pericard ium Percardectomy Inv - 2D ECHO Post procedure
evidence of 2D Echo
30000
270 CVTS Pericard ium Pericardiocentesis Inv - 2D ECHO Post procedure
evidence of 2D Echo
2000
271 CVTS Coarctation of
Aorta repair
Coarctation of aorta Repair with graft Inv - 2D
ECHO , CAG Post procedure evidence of Doppler
32000
272 CVTS Coarctation of
Aorta repair
Coarctation of aorta Repair without graft Inv - 2D
ECHO , CAG Post procedure evidence of Doppler
25000
273 CVTS Aorta repair Aneurysm resection & grafting Inv - 2D ECHO ,
CAG Post procedure evidence of Doppler
125000
~ 82 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
274 CVTS Aorta repair Intrathoracic Aneurysm-Aneurysm not requiring
bypass (with graft) Inv - CT-Angio , Cath Post
procedure evidence of Doppler
65000
275 CVTS Aorta repair Intrathoracic Aneurysm-Aneurysm requiring
bypass (with graft) Inv - CT-Angio , Cath Post
procedure evidence of Doppler
125000
276 CVTS Aorta repair Dissecting Aneurysms Inv - CT-Angio , Cath Post
procedure evidence of Doppler
75000
277 CVTS Aorta repair Annulus aortic ectasia with valved conduits Inv -
Angio Post procedure evidence of Echo, Doppler
150000
278 CVTS Aorto-aorto bypass with graft Inv - Angio Post
procedure evidence of Doppler
60000
279 CVTS Aorto-aorto bypass without graft Inv - Angio Post
procedure evidence of Doppler
45000
280 CVTS Femoro popliteal bypass with graft Inv - Angio
Post procedure evidence of Doppler
45000
281 CVTS Femoro popliteal bypass without graft Inv - Angio
Post procedure evidence of Doppler
30000
282 CVTS Femoroileal bypass With Graft Inv - Angio Post
procedure evidence of Doppler
45000
283 CVTS Femoroileal bypass Without Graft Inv - Angio
Post procedure evidence of Doppler
25000
284 CVTS Femoro-femoral bypass With Graft Inv - Angio
Post procedure evidence of Doppler
45000
285 CVTS Femoro-femoral bypass Without Graft Inv -
Angio Post procedure evidence of Doppler
25000
286 CVTS TGA Arterial Switch Inv - 2D ECHO , angio Post
procedure evidence of 2D Echo
150000
287 CVTS TGA Sennings Procedure Inv - 2D ECHO , angio
Post procedure evidence of 2D Echo
120000
288 CVTS Carotid Embolectomy Inv - Angiogram Post
procedure evidence of Doppler
50000
289 CVTS Surgery for Intracardiac tumours Inv - 2D ECHO ,
CAG Post procedure evidence of
Echo/HPE/Clin ical photograph
75000
290 CVTS Ruptured sinus of valsalva correction Inv - CAG
Post procedure evidence of Echo/Clinical
photograph
95000
291 CVTS TAPVC correction Inv - 2D ECHO Post
procedure evidence of Echo/Clin ical photograph
95000
292 CVTS Systemic
Pulmonary shunts
Systemic pulmonary Shunts with graft Inv - 2D
ECHO Post procedure evidence of 2D ECHO
20000
293 CVTS Systemic
Pulmonary shunts
Systemic pulmonary Shunts without graft Inv - 2D
ECHO Post procedure evidence of 2D ECHO
20000
294 CVTS Systemic
Pulmonary shunts
Total correction of Tetralogy of Fallots Inv - 2D
ECHO Post procedure evidence of Clinical
photograph/Echo
95000
295 CVTS Intracardiac Repair of ASD Inv - 2D ECHO Post
procedure evidence of 2D ECHO
75000
296 CVTS Intracardiac Repair of VSD Inv - 2D ECHO Post
procedure evidence of 2D ECHO
75000
~ 83 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
297 CVTS Surgery-PDA Inv - 2D ECHO Post procedure
evidence of 2D ECHO
20000
298 CVTS Ross
procedure -
Intracardiac repair o f
complex congenital
heart diseases
With special conduits Inv - 2D ECHO Post
procedure evidence of 2D ECHO
125000
299 CVTS Ross
procedure -
Intracardiac repair o f
complex congenital
heart diseases
Without special conduits Inv - 2D ECHO Post
procedure evidence of 2D ECHO
95000
300 CVTS Valve repairs With prosthetic ring Inv - 2D ECHO Post
procedure evidence of 2D ECHO
100000
301 CVTS Valve repairs Without prosthetic ring Inv - 2D ECHO Post
procedure evidence of 2D ECHO
85000
302 CVTS Valve repairs Open pulmonary valvotomy Inv - 2D ECHO Post
procedure evidence of 2D ECHO
75000
303 CVTS Valve repairs Closed mit ral valvotomy Inv - 2D ECHO Post
procedure evidence of 2D ECHO
20000
304 CVTS Valve repairs Mitral valvotomy (Open) Inv - 2D ECHO Post
procedure evidence of 2D ECHO
80000
305 CVTS Lungs Pneumonectomy Inv - CT-Chest , X-Ray Post
procedure evidence of Clin ical Photograph/X-Ray
50000
306 CVTS Lungs Lobectomy Inv - CT-Chest , X-Ray Post
procedure evidence of Clin ical Photograph/X-Ray
50000
307 CVTS Lungs Decortication Inv - CT-Chest , X-Ray Post
procedure evidence of Clin ical Photograph/X-Ray
50000
308 CVTS Lungs Lung cyst Inv - CT-Chest , X-Ray Post procedure
evidence of Clin ical Photograph/X-Ray
50000
309 CVTS Lungs SOL Mediastinum Inv - CT-Chest , X-Ray Post
procedure evidence of Clin ical Photograph/X-Ray
50000
310 CVTS Surgical
correction of
Bronchopleural
fistula
Thorocoplasty Inv - CT-Chest , X-Ray Post
procedure evidence of Clin ical Photograph/X-Ray
50000
311 CVTS Surgical
correction of
Bronchopleural
fistula
Myoplasty Inv - CT-Chest , X-Ray Post procedure
evidence of Clin ical Photograph/X-Ray
50000
312 CVTS Surgical
correction of
Bronchopleural
fistula
Transpleural BPF Closure Inv - CT-Chest , X-Ray
Post procedure evidence of Clin ical
Photograph/X-Ray
50000
313 CVTS Chest Diaphragmatic Eventeration Inv - Barium studies ,
CT-Scan Post procedure evidence of USG
40000
314 CVTS Chest Diaphragmatic Hernia Inv - CT-Scan , USG Post
procedure evidence of USG
40000
~ 84 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
315 CVTS Chest Oesophageal diverticula /Achlasia cardia Inv -
Barium studies , CT-Scan Post procedure evidence
of USG
40000
316 CVTS
Diaphragmatic
injuries
Thoracotomy, Thoraco abdominal approach Inv -
CT-Scan Post procedure evidence of Clin ical
photograph with operative scars
40000
317 CVTS Bronchial
injuries
Foreign body removal with scope Inv -
Bronchoscopy , CT-Scan Post procedure evidence
of Endoscopic picture
20000
318 CVTS Bronchial
injuries
Repair surgery Injuries due to Foreign body Inv -
Bronchoscopy , CT-Scan Post procedure evidence
of Endoscopic picture
40000
319 CVTS Oesophagus
injuries
Gastro study followed by Thoracotomy and
repairs for oesophageal injury fo r Corrosive
Injuries/FB Inv - Gastroscopy Post procedure
evidence of Endoscopic picture
50000
320 CVTS Vascular
Injuries
Surgery without graft for Arterial injuries, venous
injuries Inv - Angiogram , Doppler Post
procedure evidence of Clin ical photograph with
scar
10000
321 CVTS Vascular
Injuries
Vascular In jury in upper limbs -
Axillary,branchial,Radial and Ulnar - Repair with
Vein Graft Inv - Angiogram , Doppler Post
procedure evidence of Color doppler
Up to
40000
322 CVTS Vascular
Injuries
Major Vascular Inju ry -in lower limbs-Repair Inv
- Angiogram , Doppler Post procedure evidence
of Color doppler
Up to
60000
323 CVTS Vascular
Injuries
Minor Vascular Injury Repair- Tibial vessels in
leg Inv - Angiogram , Doppler Post procedure
evidence of Color doppler
Up to
20000
324 CVTS Vascular
Injuries
Minor Vascular Injury Repair -vessels in Foot Inv
- Angiogram , Doppler Post procedure evidence
of Color doppler
Up to
20000
325 CVTS Vascular
Injuries
Surgery with Vein graft Inv - Angiogram ,
Doppler Post procedure evidence of Clinical
photograph with scar Color doppler
15000
326 CVTS Vascular
Injuries
With prosthetic graft Inv - Angiogram , Doppler
Post procedure evidence of Clin ical photograph
with scar
40000
327 CVTS Vascular
Injuries
Neck vascular injury - Carot id vessels Inv -
Angiogram , Doppler Post procedure evidence of
Color Doppler
Up to
100000
328 CVTS Vascular
Injuries
Abdominal vascular injuries - Aorta, Iliac arteries,
IVC, Iliac veins Inv - Angiogram , Doppler Post
procedure evidence of Color doppler
Up to
100000
329 CVTS Vascular
Injuries
Thoracic vascular in juries Inv - Angiogram ,
Doppler Post procedure evidence of Color doppler
Up to
150000
330 Pediatric Surgeries
Congenital
malformations - GI
Tract
Oesophageal atresis Inv - X-Ray, Oesophagoscopy
Post procedure evidence of Clin ical Photograph
60000
~ 85 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
331 Pediatric Surgeries
Congenital
malformations - GI
Tract
Diaphragmatic hernia Inv - USG, CT Post
procedure evidence of Clin ical Photograph
60000
332 Pediatric Surgeries
Congenital
malformations - GI
Tract
Intestinal atresias & Obstructions Inv - x-Ray, CT
Post procedure evidence of Clin ical Photograph
50000
333 Pediatric Surgeries
Congenital
malformations - GI
Tract
Biliary atresis & Choledocal cyst Inv - CT,
Clin ical Photograph Post procedure evidence of
Clin ical Photograph
55000
334 Pediatric Surgeries
Congenital
malformations - GI
Tract
Anorectal malformations Stage 1 Inv - Clin ical
Photograph, Proctoscopy Post procedure evidence
of Clinical Photograph
45000
335 Pediatric Surgeries
Congenital
malformations - GI
Tract
Anorectal malformations Stage 2 Inv - Clin ical
Photograph, Proctoscopy Post procedure evidence
of Clinical Photograph
60000
336 Pediatric Surgeries
Congenital
malformations - GI
Tract
Hirschsprung Disease Stage 1 Inv - Clinical
Photograph, Proctoscopy Biopsy Post procedure
evidence of Clin ical Photograph
45000
337 Pediatric Surgeries
Congenital
malformations - GI
Tract
Hirschsprung Disease Stage 2 Inv - Clinical
Photograph, Proctoscopy Biopsy Post procedure
evidence of Clin ical Photograph
60000
338 Pediatric Surgeries
Congenital
malformations –
Urogenital
Congenital hydronephrosis Inv -
USG/IVP/Renogram Post procedure evidence of
Clin ical Photograph, IVP
50000
339 Pediatric Surgeries
Congenital
malformations -
Urogenital
Ureteric reimplantations Inv - Clinical
Photograph/USG Post procedure evidence of
Clin ical Photograph,IVP
65000
340 Pediatric Surgeries
Congenital
malformations -
Urogenital
Extrophy bladder Stage 1 Inv - Clin ical
Photograph/USG Post procedure evidence of
Clin ical Photograph
65000
341 Pediatric Surgeries
Congenital
malformations -
Urogenital
Extrophy bladder Stage 2 Inv - Clin ical
Photograph/USG Post procedure evidence of
Clin ical Photograph
60000
342 Pediatric Surgeries
Congenital
malformations -
Urogenital
Posterior urethral valves Inv - MCU Post
procedure evidence of Clin ical Photograph,IVP
30000
343 Pediatric Surgeries
Congenital
malformations -
Urogenital
Hypospadias single stage Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
40000
344 Pediatric Surgeries
Congenital
malformations -
Urogenital
Hypospadius stage 2 Inv - Clinical Photograph
Post procedure evidence of Clin ical Photograph
35000
~ 86 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
345 Pediatric Surgeries
Congenital
malformations
Pediatric tumours Inv - CT/Biopsy Post procedure
evidence of Clin ical Photograph
50000
346 Pediatric Surgeries
Congenital
malformations -
Plastic repair
Cleft lip Inv - Clinical Photograph Post procedure
evidence of Clin ical Photograph
10000
347 Pediatric Surgeries
Congenital
malformations -
Plastic repair
Cleft palate Inv - Clin ical Photograph Post
procedure evidence of Clin ical Photograph
15000
348 Pediatric Surgeries
Congenital
malformations -
Plastic repair
Velo-Pharyngial Incompetence Inv - Endoscopy
Post procedure evidence of Clin ical Photograph
15000
349 Pediatric Surgeries
Congenital
malformations -
Plastic repair
Syndactyly of hand for each hand Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
15000
350 Pediatric Surgeries
Congenital
malformations -
Plastic repair
Microtia/ Anotia Inv - Clinical Photograph Post
procedure evidence of Clin ical Photograph
30000
351 Pediatric Surgeries
Congenital
malformations -
Plastic repair
TM joint ankylosis Inv -Clinical Photograph / X-
Ray Post procedure evidence of Clin ical
Photograph
40000
352 Pediatric Surgeries
Congenital
malformations –
Urogenital
Hypospadius stage 1 Inv - Clinical Photograph
Post procedure evidence of Clin ical Photograph
35000
353 Pediatric Surgeries
Congenital
malformations
Hamartoma Excision Inv - CT/ Clinical
Photograph Post procedure evidence of Clin ical
Photograph
20000
354 Pediatric Surgeries
Congenital
malformations
Hemangioma Excision Inv - Neuro USG+CT Post
procedure evidence of Clin ical Photograph
25000
355 Pediatric Surgeries
Congenital
malformations
Lymphangioma Excision Inv -Neuro USG+CT
Post procedure evidence of Clin ical Photograph
40000
356 Pediatric Surgeries
Head and neck
Neuroblastoma Inv - CT/USG/FNAC Post
procedure evidence of Clin ical Photograph,Biopsy
25000
357 Pediatric Surgeries
Head and neck
Congenital Dermal Sinus Inv - Neuro USG+CT
Post procedure evidence of Clin ical
Photograph,Biopsy
30000
358 Pediatric Surgeries
Head and neck
Cystic Lesions of the Neck Inv -
USG,MRI,CT,Clin ical Photograph Post procedure
evidence of Clin ical Photograph,Biopsy
20000
359 Pediatric Surgeries
Head and neck
Encephalocele Inv - Neuro USG+CT Post
procedure evidence of Clin ical Photograph,Biopsy
20000
360 Pediatric Surgeries
Head and neck
Sinuses & Fistula of the Neck Inv - CT,Clinical
Photograph Post procedure evidence of Clinical
Photograph,Biopsy
20000
~ 87 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
361 Pediatric Surgeries
Chest
Bronchoscopy foreign body removal Inv -
Endoscopic Video Post procedure evidence of
Clin ical Photograph
20000
362 Pediatric Surgeries
Chest
Paediatric Esophageal obstructions-Surgical
correction Inv -Contrast UGI Post procedure
evidence of Clin ical Photograph
30000
363 Pediatric Surgeries
Chest
Paediatric Esophageal Substitutions Inv - Contrast
study Post procedure evidence of Clinical
Photograph
60000
364 Pediatric Surgeries
Chest
Thoracoscopic cysts excision Inv - USG, CT Post
procedure evidence of Clin ical Photograph/Biopsy
40000
365 Pediatric Surgeries
Chest
Thoracoscopic decortication Inv - USG, CT Post
procedure evidence of Clin ical Photograph/Biopsy
40000
366 Pediatric Surgeries
Chest
Thoracic Duplications Inv - X-Ray, CT Post
procedure evidence of Clin ical Photograph/Biopsy
40000
367 Pediatric Surgeries
Chest
Thoracic Wall defects- Correction Inv - X-Ray,
CT Post procedure evidence of Clinical
Photograph
50000
368 Pediatric Surgeries
Abdomen
Gastric outlet obstructions Inv - Contrast USG, X-
Ray Post procedure evidence of Clin ical
Photograph
30000
369 Pediatric Surgeries
Abdomen
Laparoscopic pull through surgeries for HD Inv -
USG,Clin ical Photograph Post procedure evidence
of Clinical Photograph,USG, Video
60000
370 Pediatric Surgeries
Abdomen
Paediatric Splenectomy (Non Traumatic) Inv -
USG,Hemogram Post procedure evidence of
Clin ical Photograph
35000
371 Pediatric Surgeries
Abdomen
Surgeries on adrenal gland in Children Inv - CT,
Hormone assays Post procedure evidence of
Clin ical Photograph,USG
25000
372 Pediatric Surgeries
Abdomen
Gastro Esophageal Reflux Correction Inv -
Endoscopy, CT Scan Post procedure evidence of
Clin ical Photograph
30000
373 Pediatric Surgeries
Abdomen
Hydatid cysts in Paediatric patient Inv - CT,USG
Post procedure evidence of Clin ical
Photograph,USG
40000
374 Pediatric Surgeries
Abdomen
Intestinal Polyposis Surgical correct ion Inv -
UG,Endoscopy Post procedure evidence of
Clin ical Photograph,Biopsy
50000
375 Pediatric Surgeries
Abdomen
Intussusception Inv - USG,CT Post procedure
evidence of Clin ical Photograph,USG
40000
376 Pediatric Surgeries
Abdomen
Paediatric Acute Intestinal Obstruction Inv -
USG,CT Post procedure evidence of Clinical
Photograph,USG
40000
377 Pediatric Surgeries
Abdomen
Laparoscopic Appendectomy Inv - USG,Clin ical
Photograph Post procedure evidence of Clin ical
Photograph,USG,Video
30000
378 Pediatric Surgeries
Abdomen
Laparoscopic Choleycystectomy Inv -
USG,Clin ical Photograph Post procedure evidence
of Clinical Photograph,USG,Video
40000
~ 88 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
379 Pediatric Surgeries
Abdomen
Laparoscopic pull through for Ano Rectal
Anomalies Inv - USG,Clin ical Photograph Post
procedure evidence of Clin ical
Photograph,USG,Video
60000
380 Pediatric Surgeries
Urogenital
Nephrectomy Inv - USG,CT,Clinical Photograph
Post procedure evidence of Clin ical
Photograph,USG
40000
381 Pediatric Surgeries
Urogenital
Ep ispadiasis - Correct ion Inv - Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
40000
382 Pediatric Surgeries
Urogenital
Scrotal transposition repair Inv - USG Post
procedure evidence of Clin ical Photograph
20000
383 Pediatric Surgeries
Urogenital
Undescended Testis Inv - USG,Clinical
Photograph Post procedure evidence of Clin ical
Photograph
25000
384 Pediatric Surgeries
Urogenital
Torsion Testis Inv - Color doppler, Clin ical
Photograph Post procedure evidence of Clin ical
Photograph
25000
385 Pediatric Surgeries
Urogenital
Laparoscopic Orch idopexy Inv - USG,Clin ical
Photograph Post procedure evidence of Clin ical
Photograph,USG,Video
25000
386 Pediatric Surgeries
Urogenital
Laparoscopic Varicocele ligation Inv -
USG,Clin ical Photograph Post procedure evidence
of Clinical Photograph,USG,Video
25000
387 Urology Renal
Transplantation
A.V. Fistula (Pretransplant procedure only) Inv -
Renal function tests, Serum electro lytes Post
procedure evidence of Clin ical photograph
10000
388 Urology Renal
Transplantation
Renal t ransplantation surgery Inv - USG,RFT Post
procedure evidence of Clin ical photograph
140000
389 Urology Renal
Transplantation
Post-transplant immunosuppression treatment
From 1st to 6th month after transplantation Inv -
USG,RFT Post procedure evidence of Bills copy
50000
390 Urology Testis,
Testis and Penis
Orchidopexy Bilateral Inv - USG Post procedure
evidence of Clin ical photograph
15000
391 Urology Testis,
Testis and Penis
Torsion testis Inv -USG Post procedure evidence
of Clinical photograph
12000
392 Urology Testis,
Testis and Penis
Chordae correction Inv - USG Post procedure
evidence of Clin ical photograph
15000
393 Urology Testis,
Testis and Penis
Partial amputation of Pen is(Non-Malignant) Inv -
Clin ical Photograph Post procedure evidence of
Clin ical photograph,Biopsy
15000
394 Urology Testis,
Testis and Penis
Total amputation of Penis(Non-Malignant) Inv -
Clin ical Photograph Post procedure evidence of
Clin ical photograph,Biopsy
25000
395 Urology Renal
Calculi
Open Pyelolithotomy Inv - USG,KUB,IVP Post
procedure evidence of Clin ical photograph,X-
Ray,USG
10000
396 Urology Renal
Calculi
Open Nephrolithotomy Inv - USG,KUB,IVP Post
procedure evidence of Clin ical photograph,X-
Ray,USG
10000
397 Urology Renal
Calculi
Open cystolithotomy Inv - USG,KUB,IVP Post
procedure evidence of Clin ical photograph,X-
Ray,USG
10000
~ 89 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
398 Urology Renal
Calculi
Laparoscopic Pyelolithotomy Inv -
USG,KUB,IVP Post procedure evidence of
Clin ical photograph,X-Ray,Video
30000
399 Urology Lithotripsy Cystolithotripsy Inv - USG,KUB Post procedure
evidence of Clin ical photograph,X-Ray,USG
10000
400 Urology Lithotripsy PCNL Inv - USG,KUB,IVP Post procedure
evidence of Clin ical photograph,X-Ray
30000
401 Urology Lithotripsy ESWL Inv - USG,KUB,IVP Post procedure
evidence of Clin ical photograph,X-Ray,IVP
20000
402 Urology Lithotripsy URSL Inv - USG,KUB,IVP Post procedure
evidence of Clin ical photograph,X-Ray
25000
403 Urology Lithotripsy Nephrostomy Inv -USG,IVP Post procedure
evidence of Clin ical photograph
2000
404 Urology Lithotripsy DJ Stent (One side) Inv - USG,IVP Post procedure
evidence of X-Ray
5000
405 Urology Correct ive
procedures
Urethroplasty for Stricture Urethra Single stage
Inv - RUG Post procedure evidence of Clinical
photograph
50000
406 Urology Correct ive
procedures
Urethroplasty for Stricture Urethra Double Stage
Stage-1 Inv - RUG Post procedure evidence of
Clin ical photograph
30000
407 Urology Correct ive
procedures
Urethroplasty for Stricture Urethra Double Stage
Stage-2 Inv - RUG Post procedure evidence of
Clin ical photograph
30000
408 Urology Correct ive
procedures
Urethroplasty for Stricture Urethra Double Stage
Reconstruction Procedure Inv - Clinical
Photograph Post procedure evidence of Photo
50000
409 Urology Correct ive
procedures
Hypospadius Adult Single Stage Inv - Clin ical
Photograph Post procedure evidence of Clinical
photograph
40000
410 Urology Correct ive
procedures
Hypospadius Adult Double Stage - Stage-1 Inv -
Clin ical Photograph Post procedure evidence of
Clin ical photograph
35000
411 Urology Correct ive
procedures
Hypospadius Adult Double Stage - Stage-2 Inv -
Clin ical Photograph Post procedure evidence of
Clin ical photograph
35000
412 Urology Correct ive
procedures
Hypospadius Adult Double Stage - TURBT Inv -
CT,USG,Cysoscopy, Biopsy Post procedure
evidence of Clin ical photograph, CT
30000
413 Urology Post-Transplant immunosuppressive Treatment
from 7th to 12 th Month after transplantation Inv -
USG/RFT Post procedure evidence of Bills copy
50000
414 Urology Kidney Nephrostomy Inv - USG,IVP Post procedure
evidence of USG
10000
415 Urology Kidney Nephrectomy Pyonephrosis/XGP Inv - USG,IVP
Post procedure evidence of USG
40000
416 Urology Kidney Simple Nephrectomy Inv - USG,IVP Post
procedure evidence of USG
40000
417 Urology Kidney Lap. Nephrectomy Simple Inv - USG,IVP Post
procedure evidence of USG
30000
418 Urology Kidney Lap. Nephrectomy Radical Inv - USG,IVP Post
procedure evidence of USG
40000
~ 90 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
419 Urology Kidney Lap. Part ial Nephrectomy Inv -USG,IVP Post
procedure evidence of USG
35000
420 Urology Kidney Bilateral Nephroureterectomy Inv - USG,IVP Post
procedure evidence of USG
25000
421 Urology Kidney Renal Cyst Excision Inv - USG,IVP Post
procedure evidence of USG
15000
422 Urology Kidney
Stone
Endoscope Removal of stone in Bladder Inv -
USG, IVP,Scopy. X-Ray. KUB Post procedure
evidence of Endoscopic picture
10000
423 Urology Kidney
Stone
Anatrophic Pyelolithotomy for Staghorn Calculus
Inv - USG,KUB,IVP Post procedure evidence of
Clin ical photograph/X-Ray, USG
50000
424 Urology Correct ive
procedures
Anderson Hynes Pyeloplasty Inv - X-Ray,
USG,IVP Post procedure evidence of Clin ical
photograph
40000
425 Urology Correct ive
procedures
Vasico Vaginal Fistula Inv - IVP,Scopy, RGP Post
procedure evidence of Clin ical photograph
40000
426 Urology Correct ive
procedures
Epispadiasis - Correct ion Inv - Clin ical
photograph Post procedure evidence of Clinical
photograph
40000
427 Urology Correct ive
procedures
Closure of Urethral Fistula Inv - RGU Post
procedure evidence of Clin ical photograph
25000
428 Urology Correct ive
procedures
Optical Urethrotomy Inv - X-Ray, RGU Post
procedure evidence of Endoscopic picture
20000
429 Urology Correct ive
procedures
Perineal Urethrostomy Inv -X-Ray, RGU Post
procedure evidence of Endoscopic picture
20000
430 Urology Correct ive
procedures
Ureteric Reimplantation Inv -X Ray,USG,IVP
Post procedure evidence of USG
25000
431 Urology Correct ive
procedures
Ileal Conduit format ion Inv - X Ray,USG,IVP
Post procedure evidence of Clin ical photograph
20000
432 Urology Correct ive
procedures
Ureterocele Inv - X Ray,RGU Post procedure
evidence of Clin ical photograph
15000
433 Urology Bladder
Prostate
Transurethral resection of prostate (TURP) Inv -
USG,U.Scopy Post procedure evidence of USG
30000
434 Urology Bladder
Prostate
TURP Cyst lithotripsy Inv - X-Ray,USG Post
procedure evidence of USG
30000
435 Urology Bladder
Prostate
Open prostatectomy Inv - X-Ray,USG Post
procedure evidence of Clin ical photograph
30000
436 Urology Bladder
Prostate
Caecocystoplasty Inv - USG,U.Scopy Post
procedure evidence of USG
30000
437 Urology Bladder
Prostate
Total cystectomy Inv -USG,U.Scopy Post
procedure evidence of USG
35000
438 Urology Bladder
Prostate
Divert iculectomy Inv -USG,U.Scopy Post
procedure evidence of USG
10000
439 Urology Bladder
Prostate
Incontinence Urine (Female) Inv -USG,U.Scopy
Post procedure evidence of USG
20000
440 Urology Bladder
Prostate
Incontinence Urine (male) Inv - USG,U.Scopy
Post procedure evidence of USG
20000
441 Neurosurgery Brain Cran iotomy and evacuation of Hematoma
Subdural Inv - CT Post procedure evidence of
Clin ical photograph
40000
442 Neurosurgery Brain Cran iotomy and evacuation of Hematoma
Extradural Inv - CT Post procedure evidence of
40000
~ 91 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Clin ical photograph
443 Neurosurgery Brain Evacuation of Brain Abscess - Burr hole Inv - CT
Post procedure evidence of Clin ical photograph
25000
444 Neurosurgery Brain Excision of Lobe (Frontal,Temporal,Cerebellum
etc.) Inv - CT Post procedure evidence of Clin ical
photograph/Biopsy
40000
445 Neurosurgery Brain
Tumours
Parasagittal Inv - CT Post procedure evidence of
Clin ical photograph/Biopsy
50000
446 Neurosurgery Brain
Tumours
Basal Inv - CT Post procedure evidence of
Clin ical photograph/Biopsy
60000
447 Neurosurgery Brain
Tumours
Brain Stem Inv -CT Post procedure evidence of
Clin ical photograph/Biopsy
70000
448 Neurosurgery Brain
Tumours
C P Angle Inv - CT Post procedure evidence of
Clin ical photograph/Biopsy
70000
449 Neurosurgery
Excision of Brain
tumours
Others Inv -CT Post procedure evidence of
Clin ical photograph/Biopsy
40000
450 Neurosurgery
Excision of Brain
Tumours
Excision of b rain tumours Subtentorial Inv - CT
Post procedure evidence of Clin ical
photograph/Biopsy
45000
451 Neurosurgery
Excision of Brain
Tumours
Ventriculo lateral / Ventriculoperitoneal shunt Inv
- CT Post procedure evidence of Clinical
photograph
20000
452 Neurosurgery
Excision of Brain
Tumours
Twist drill craniotomy Inv -CT Post procedure
evidence of Clin ical photograph
15000
453 Neurosurgery
Excision of Brain
Tumours
Subdural taping Inv - CT Post procedure evidence
of Clinical photograph
15000
454 Neurosurgery
Excision of Brain
Tumours
Ventricular tapping Inv - CT Post procedure
evidence of Clin ical photograph
15000
455 Neurosurgery
Excision of Brain
Tumours
Abscess tapping Inv - CT Post procedure evidence
of Clinical photograph
20000
456 Neurosurgery
Excision of Brain
Tumours
Vascular malformations Inv - MRI,Angio Post
procedure evidence of Clin ical photograph
40000
457 Neurosurgery
Excision of Brain
Tumours
Peritoneal shunt Inv - CT Post procedure evidence
of Clinical photograph
20000
458 Neurosurgery
Excision of Brain
Tumours
Atrial shunt Inv - CT Post procedure evidence of
Clin ical photograph
20000
459 Neurosurgery Brain
Tumours
Meningoencephalocele Inv - MRI Post procedure
evidence of Clin ical photograph
25000
460 Neurosurgery Brain
Tumours
Meningomylocele Inv - MRI Post procedure
evidence of Clin ical photograph
25000
~ 92 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
461 Neurosurgery Brain
Tumours
C.S.F. Rhinorrhoea Inv -CT,Clin ical photograph
Post procedure evidence of Clin ical photograph
20000
462 Neurosurgery Brain
Tumours
Cran ioplasty Inv - MRI Post procedure evidence
of Clinical photograph
30000
463 Neurosurgery Brain
Tumours
Meningocele excision Inv - MRI Post procedure
evidence of Clin ical photograph
25000
464 Neurosurgery Brain
Tumours
Ventriculoatrial shunt Inv - CT Post procedure
evidence of Clin ical photograph
20000
465 Neurosurgery Brain
Tumours
Excision of Brain Abscess - Inv -CT Post
procedure evidence of Clin ical photograph
60000
466 Neurosurgery Brain
Tumours
Aneurysm Clipping Inv -MRI,Angio Post
procedure evidence of Clin ical photograph, X-Ray
100000
467 Neurosurgery Brain
Tumours
External Ventricular Drainage (EVD) Inv - CT
Post procedure evidence of Clin ical photograph
40000
468 Neurosurgery Spinal
Surgeries
Surgery on cord tumours Inv - MRI Post
procedure evidence of Clin ical photograph/Biopsy
25000
469 Neurosurgery Spinal
Surgeries
Spinal intramedullary tumours Inv -MRI Post
procedure evidence of Clin ical photograph/X-
Ray/Biopsy
50000
470 Neurosurgery Spinal
Surgeries
Spina bifida surgery major Inv -MRI Post
procedure evidence of Clin ical photograph/X-Ray
20000
471 Neurosurgery Spinal
Surgeries
Spina bifida surgery minor Inv - MRI Post
procedure evidence of Clin ical photograph/X-Ray
15000
472 Neurosurgery Spinal
Surgeries
Excision of cervical intervertebral d iscs Inv - MRI
Post procedure evidence of Clin ical photograph
25000
473 Neurosurgery Spinal
Surgeries
Posterior cervical discectomy Inv - MRI Post
procedure evidence of Clin ical photograph
15000
474 Neurosurgery Spinal
Surgeries
Anterior cervical discectomy Inv - MRI Post
procedure evidence of Clin ical photograph
15000
475 Neurosurgery Spinal
Surgeries
Anterior cervical spine surgery with fusion Inv -
MRI, X-Ray Cervical spine Post procedure
evidence of X-Ray
45000
476 Neurosurgery Spinal
Surgeries
Anterolateral decompression Inv -MRI Post
procedure evidence of Clin ical photograph/X-Ray
30000
477 Neurosurgery Spinal
Surgeries
Laminectomy Inv - MRI Post procedure evidence
of Clinical photograph/X-Ray
25000
478 Neurosurgery Spinal
Surgeries
Discectomy Inv - MRI Post procedure evidence of
Clin ical photograph/X-Ray
25000
479 Neurosurgery Spinal
Surgeries
Spinal fusion procedure Inv - MRI Post procedure
evidence of Clin ical photograph/Biopsy
50000
480 Neurosurgery - Other
Surgical Procedures
Stereotactic procedures - Post procedure evidence
of Clinical photograph
20000
481 Neurosurgery - Other
Surgical Procedures
Trans sphenoidal surgery Inv - CT Post procedure
evidence of Clin ical photograph/Biopsy
20000
482 Neurosurgery - Other
Surgical Procedures
Trans oral surgery Inv - CT Post procedure
evidence of Clin ical photograph/Biopsy
25000
~ 93 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
483 Neurosurgery - Other
Surgical Procedures
Combined trans oral surgery and CV Junction
fusion Inv - MRI,X-Ray cerv ical spine Post
procedure evidence of Clin ical photograph
30000
484 Neurosurgery - Other
Surgical Procedures
C.V. Junction fusion Inv - MRI,X-Ray cerv ical
spine Post procedure evidence of Clinical
photograph
20000
485 Neurosurgery Brain Endoscopy procedures Inv - MRI Post procedure
evidence of Endoscopy picture
65000
486 Neurosurgery Brain De-compressive Cran iotomy(Non Traumatic) Inv
- Post procedure evidence of Clin ical photograph
50000
487 Neurosurgery Brain Intra-Cerebral Hematoma evacuation Inv - MRI
Post procedure evidence of Clin ical photograph
60000
488 Neurosurgery Brain Endoscopic Third Ventriculostomy - Post
procedure evidence of Clin ical photograph
30000
489 Neurosurgery Spine Anterior discectomy & bone grafting Inv - MRI
Post procedure evidence of X-Ray
40000
490 Neurosurgery Spine Discectomy with Implants Inv -MRI Post
procedure evidence of X-Ray
65000
491 Neurosurgery Spine Corpectomy for Spinal Fixat ion Inv - MRI Post
procedure evidence of X-Ray
70000
492 Neurosurgery Spine Spinal Fixat ion Rods and Plates, Artificial d iscs
Inv -MRI Post procedure evidence of X-Ray
85000
493 Neurosurgery Spine Syringomyelia Inv -MRI Post procedure evidence
of Clinical photograph
65000
494 Neurosurgery - Soft
Tissue and Vascular
Injuries
Repair of Brachial plexus injury Inv - MRI Post
procedure evidence of Clin ical photograph
60000
495 Neurosurgery - Soft
Tissue and Vascular
Injuries
Cerv ical Sympathectomy Inv -EMG,Nerve
conduction MRI Post procedure evidence of
Clin ical photograph
50000
496 Neurosurgery - Soft
Tissue and Vascular
Injuries
Lumbar sympathectomy Inv - EMG,Nerve
conduction MRI Color doppler Post procedure
evidence of Clin ical photograph/Biopsy
50000
497 Neurosurgery - Soft
Tissue and Vascular
Injuries
Decompression/Excision of Optic nerve lesions
Inv - MRI Post procedure evidence of Clinical
photograph
65000
498 Neurosurgery - Soft
Tissue and Vascular
Injuries
Peripheral nerve injury repair Inv -EMG,Nerve
conduction Post procedure evidence of Clin ical
photograph
50000
499 Neurosurgery - Soft
Tissue and Vascular
Injuries
Proptosis Inv - MRI Post procedure evidence of
Clin ical photograph
60000
500 Neurosurgery
Epilepsy Surgery
Temporal Lobectomy Inv - MRI,Video EEG,
Psychologic assessment Post procedure evidence
of Clinical photograph
90000
501 Neurosurgery
Epilepsy Surgery
Lesionectomy type 1 Inv -MRI,Video EEG,
Psychologic assessment Post procedure evidence
of Clinical photograph
150000
502 Neurosurgery
Epilepsy Surgery
Lesionectomy type 2 Inv -MRI,Video EEG,
Psychologic assessment Post procedure evidence
of Clinical photograph
150000
~ 94 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
503 Neurosurgery
Epilepsy Surgery
Temporal lobectomy plus Depth Electrodes Inv -
MRI,Video EEG, Psychologic assessment Post
procedure evidence of Clin ical photograph/X-Ray
140000
504 Neurosurgery -
Trigeminal Neuralgia
Radiofrequency ablation Inv - EMG,Nerve
conduction Post procedure evidence of Clinical
photograph
30000
505 Neurosurgery -
Trigeminal Neuralgia
Micro vascular decompression Inv -EMG,Nerve
conduction Post procedure evidence of Clinical
photograph
60000
506 Neurosurgery -
Management of
Aneurysms
Embolizat ion Inv - MRI,Angiogram Post
procedure evidence of Clin ical photograph
50000
507 Neurosurgery -
Management of
Aneurysms
Cost of each coil Inv - MRI,Angiogram Post
procedure evidence of Clin ical photograph
30000
508 Surgical Oncology
Head and neck
Composite resection & Reconstruction Inv -
Clin ical photograph, X-Ray,USG,Biopsy Post
procedure evidence of Clin ical photograph,
Biopsy
60000
509 Surgical Oncology
Head and neck
Wide excision Inv - Clin ical photograph, X-
Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
25000
510 Surgical Oncology
Head and neck
Nech dissection any type Inv - Clin ical
photograph, X-Ray,USG,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy
25000
511 Surgical Oncology
Head and neck
Hemiglossectomy Inv - Clinical photograph, X-
Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
15000
512 Surgical Oncology
Head and neck
Maxillectomy any type Inv -Clinical photograph,
X-Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
25000
513 Surgical Oncology
Head and neck
Thyroidectomy any type Inv - Clinical
photograph, X-Ray,USG,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy
20000
514 Surgical Oncology
Head and neck
Parotidectomy any type Inv - Clin ical photograph,
X-Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
20000
515 Surgical Oncology
Head and neck
Laryngectomy any type Inv - Clin ical photograph,
X-Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
40000
516 Surgical Oncology
Head and neck
Laryngo pharyngo oesophagectomy Inv - Clin ical
photograph, X-Ray,USG,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy
75000
517 Surgical Oncology
Head and neck
Hemimandibulectomy Inv - Clinical photograph,
X-Ray,USG,Biopsy Post procedure evidence of
Clin ical photograph, Biopsy
25000
518 Surgical Oncology
Ca.Eye/ Maxilla
/Para Nasal Sinus
Orbital exenteration Inv - CT Post procedure
evidence of Clin ical photograph, Biopsy
25000
519 Surgical Oncology
Ca.Eye/ Maxilla
/Para Nasal Sinus
Maxillectomy + Orbital exenteration Inv - CT Post
procedure evidence of Clin ical photograph,
Biopsy
35000
~ 95 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
520 Surgical Oncology
Ca.Eye/ Maxilla
/Para Nasal Sinus
Maxillectomy + In fratemporal Fossa clearance Inv
- CT Post procedure evidence of Clinical
photograph, Biopsy
40000
521 Surgical Oncology
Ca.Eye/ Maxilla
/Para Nasal Sinus
Cran io Facial Resection Inv - CT,MRI Post
procedure evidence of Clin ical photograph,
Biopsy
70000
522 Surgical Oncology
Nasopharynx
Resection of Nasopharyngeal Tumour Inv -
CT,MRI Post procedure evidence of Clin ical
photograph, Biopsy
50000
523 Surgical Oncology
Ca.Soft Palate
Palatectomy Any type Inv - CT Post procedure
evidence of Clin ical photograph, Biopsy
30000
524 Surgical Oncology
Ca.ear
Sleeve Resection Inv - CT Post procedure
evidence of Clin ical photograph, Biopsy
25000
525 Surgical Oncology
Ca.ear
Lateral Temporal bone resection Inv - CT,MRI
Post procedure evidence of Clin ical photograph,
Biopsy
30000
526 Surgical Oncology
Ca.ear
Subtotal Temporal bone resection Inv - CT,MRI
Post procedure evidence of Clin ical photograph,
Biopsy
50000
527 Surgical Oncology
Ca.ear
Total Temporal bone resection Inv - CT,MRI Post
procedure evidence of Clin ical photograph,
Biopsy
60000
528 Surgical Oncology Submandibular Gland Excision Inv - Clinical
photograph, FNAC Post procedure evidence of
Clin ical photograph, Biopsy
20000
529 Surgical Oncology
Ca.Thyroid
Tracheal Resection Inv - CT,Brochscopy Post
procedure evidence of Clin ical photograph,
Biopsy
52000
530 Surgical Oncology
Ca Trachea
Sternotomy + Superior Mediastinal Dissection Inv
- CT Post procedure evidence of Clinical
photograph, Biopsy
45000
531 Surgical Oncology
Ca Trachea
Tracheal Resection Inv - CT,Brochoscopy Post
procedure evidence of Clin ical photograph,
Biopsy
40000
532 Surgical Oncology
Ca Parathyroid
Parathyroidectomy Inv - CT,Nuclear scan, S.PTH
Post procedure evidence of Clin ical photograph,
Biopsy
30000
533 Surgical Oncology
Ca GIT
Small bowel resection Inv - CT,Barium follow
through Post procedure evidence of Clin ical
photograph, Biopsy
40000
534 Surgical Oncology
Ca GIT
Closure of Ileostomy Inv - Colonoscopy Post
procedure evidence of Clin ical photograph
20000
535 Surgical Oncology
Ca GIT
Closure of Colostomy Inv -Colonoscopy Post
procedure evidence of Clin ical photograph
20000
536 Surgical Oncology
Ca Rectum
Abdomino Perineal Resection (APR) +
Sacrectomy Inv - CT,BMFT,Colonoscopy,Biopsy
Post procedure evidence of Clin ical photograph,
Biopsy
50000
537 Surgical Oncology
Ca Rectum
Posterior Exenteration Inv -
CT,BMFT,Colonoscopy,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy
50000
538 Surgical Oncology
Ca Rectum
Total Exenteration Inv -
CT,BMFT,Colonoscopy,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy
75000
~ 96 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
539 Surgical Oncology
Ca GIT
Oesophagectomy any type Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
60000
540 Surgical Oncology
Ca GIT
Gastrectomy any type Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
40000
541 Surgical Oncology
Ca GIT
Colectomy any type Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
40000
542 Surgical Oncology
Ca GIT
Anterior resection Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
50000
543 Surgical Oncology
Ca GIT
Abdominoperineal resection Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
40000
544 Surgical Oncology
Ca GIT
Whipples any type Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
75000
545 Surgical Oncology
Ca GIT
Tripple bypass Inv -USG,CTBiopsy,Endoscopy
Post procedure evidence of Clin ical photograph,
Biopsy/USG
25000
546 Surgical Oncology
Ca GIT
Other Bypasses-Pancreas Inv -
USG,CTBiopsy,Endoscopy Post procedure
evidence of Clin ical photograph, Biopsy/USG
25000
547 Surgical Oncology
Ca Gall Bladder
Radical Cholecystectomy Inv -CT Post procedure
evidence of Clin ical photograph, Biopsy
60000
548 Surgical Oncology
Ca Spleen
Splenectomy Inv - CT Post procedure evidence of
Clin ical photograph, Biopsy
35000
549 Surgical Oncology
Ca Retroperitoneal
Tumors
Resection of Retroperitoneal Tumours Inv -
CT,FNAC Post procedure evidence of Clinical
photograph, Biopsy
45000
550 Surgical Oncology
Ca Abdominal wall
tumour
Abdominal wall tumour Resection Inv -
CT,FNAC Post procedure evidence of Clinical
photograph, Biopsy
35000
551 Surgical Oncology
Ca Abdominal wall
tumour
Resection with reconstruction Inv - CT,FNAC
Post procedure evidence of Clin ical photograph,
Biopsy
45000
552 Surgical Oncology
Gynec
Bilateral pelvic lymph Node Dissection(BPLND)
Inv - CT Post procedure evidence of Clinical
photograph, Biopsy
25000
553 Surgical Oncology
Gynec
Radical Trachelectomy Inv - CT Post procedure
evidence of Clin ical photograph, Biopsy
40000
554 Surgical Oncology
Gynec
Radical vaginectomy Inv - CT,Biopsy Post
procedure evidence of Clin ical photograph,
Biopsy
40000
555 Surgical Oncology
Gynec
Radical vaginectomy + Reconstruction Inv -
CT,Biopsy Post procedure evidence of Clinical
photograph, Biopsy
45000
556 Surgical Oncology
Ca Cerv ix
Radical Hysterectomy +Bilateral Pelvic Lymph
Node Dissection (BPLND) + Bilateral Salpingo
Ophorectomy (BSO) / Ovarian transposition Inv -
PAP Smear, Biopsy, CT Post procedure evidence
of Clinical photograph, Biopsy
45000
~ 97 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
557 Surgical Oncology
Ca Cerv ix
Anterior Exenteration Inv - PAP Smear, Biopsy,
CT Post procedure evidence of Clinical
photograph, Biopsy
60000
558 Surgical Oncology
Ca Cerv ix
Posterior Exenteration Inv -PAP Smear, Biopsy,
CT Post procedure evidence of Clin ical
photograph, Biopsy
50000
559 Surgical Oncology
Ca Cerv ix
Total Pelvic Exenteration Inv - PAP Smear,
Biopsy, CT Post procedure evidence of Clin ical
photograph, Biopsy
75000
560 Surgical Oncology
Ca Cerv ix
Supra Levator Exenteration Inv -PAP Smear,
Biopsy, CT Post procedure evidence of Clinical
photograph, Biopsy
70000
561 Surgical Oncology
Ca Endometrium
Total Abdominal Hysterectomy(TAH) + Bilateral
Salpingo ophorectomy (BSO) + Bilateral pelvic
lymph Node Dissection (BPLND) + Omentectomy
Inv - Endometrial Biopsy, CT Post procedure
evidence of Clin ical photograph, Biopsy
35000
562 Surgical Oncology
Soft tissue /Bone
tumours . Chest wall
Chest wall resection Inv - CT Chest, Bone scan
Post procedure evidence of Clin ical photograph,
Biopsy
20000
563 Surgical Oncology
Soft tissue /Bone
tumours . Chest wall
Chest wall resection + Reconstruction Inv - CT
Chest, Bone scan Post procedure evidence of
Clin ical photograph, Biopsy
30000
564 Surgical Oncology
Limb Salvage
Surgery
Without prosthesis Inv - CT Local part, CT Chest,
MRI, Bone scan Post procedure evidence of
Clin ical photograph, Biopsy
40000
565 Surgical Oncology
Limb Salvage
Surgery
With Custom made Prosthesis Inv - CT Local part,
CT Chest, MRI, Bone scan Post procedure
evidence of Clin ical photograph, Biopsy
50000
566 Surgical Oncology
Limb Salvage
Surgery
With Modular Prosthesis Inv - CT Local part, CT
Chest, MRI, Bone scan Post procedure evidence
of Clinical photograph, Biopsy
75000
567 Surgical Oncology
Limb Salvage
Surgery
Forequarter amputation Inv - CT Chest Post
procedure evidence of Clin ical photograph/X-Ray
Biopsy
40000
568 Surgical Oncology
Limb Salvage
Surgery
Hemipelvectomy Inv - CT,MRI Pelvis, CT Chest
Post procedure evidence of Clin ical
photograph/X-Ray Biopsy
55000
569 Surgical Oncology
Limb Salvage
Surgery
Internal hemipelvectomy Inv - CT,MRI Pelvis, CT
Chest Post procedure evidence of Clin ical
photograph/X-Ray Biopsy
65000
570 Surgical Oncology
Limb Salvage
Surgery
Curettage & bone cement Inv - CT,MRI Post
procedure evidence of Clin ical photograph/X-Ray
Biopsy
30000
571 Surgical Oncology
Limb Salvage
Surgery
Bone resection Inv - CT,MRI Post procedure
evidence of Clin ical photograph/X-Ray Biopsy
30000
572 Surgical Oncology
Limb Salvage
Surgery
Shoulder gird le resection Inv - CT,MRI,Bone scan
Post procedure evidence of Clin ical
photograph/X-Ray Biopsy
40000
573 Surgical Oncology
Limb Salvage
Surgery
Sacral resection Inv - CT,MRI Post procedure
evidence of Clin ical photograph/X-Ray Biopsy
60000
~ 98 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
574 Surgical Oncology
Genitourinary
Partial Nephrectomy Inv - CT,Isotope renogram
Post procedure evidence of Clin ical photograph,
Biopsy
55000
575 Surgical Oncology
Genitourinary
Nephroureterectomy for Transitional Cell
Carcinima of renal pelvis Inv - CT Post procedure
evidence of Clin ical photograph, Biopsy
50000
576 Surgical Oncology
Genitourinary
Radical nephrectomy Inv -
USG,KUB,IVP,CT,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy/USG
40000
577 Surgical Oncology
Genitourinary
Emasculation Inv - USG,,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy/USG
30000
578 Surgical Oncology
Genitourinary
Radical cystectomy Inv -
USG,KUB,IVP,CT,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy/USG
60000
579 Surgical Oncology
Genitourinary
Other cystectomies Inv -
USG,KUB,IVP,CT,Biopsy Post procedure
evidence of Clin ical photograph, Biopsy/USG
40000
580 Surgical Oncology
Genitourinary
Total penectomy Inv -Clin ical Photograph Post
procedure evidence of Clin ical photograph,
Biopsy/USG
25000
581 Surgical Oncology
Genitourinary
Partial penectomy Inv - Clin ical Photograph Post
procedure evidence of Clin ical photograph,
Biopsy/USG
15000
582 Surgical Oncology
Genitourinary
Inguinal block dissection one side Inv - Clinical
Photograph Biopsy Post procedure evidence of
Clin ical photograph, Biopsy/USG
15000
583 Surgical Oncology
Genitourinary
Radical prostatectomy Inv - USG,KUB,CT Post
procedure evidence of Clin ical photograph,
Biopsy/USG
60000
584 Surgical Oncology
Genitourinary
High orchidectomy Inv - USG,Biopsy Post
procedure evidence of Clin ical photograph,
Biopsy/USG
15000
585 Surgical Oncology
Genitourinary
Bilateral orch idectomy Inv - USG,Biopsy Post
procedure evidence of Clin ical photograph,
Biopsy/USG
10000
586 Surgical Oncology
Testis Cancer
Retro Peritoneal Lymph Node
Dissection(RPLND) (for Residual Disease) Inv -
CT Chest, CT Abdomen pelvis, Tumour markers
Post procedure evidence of Clin ical
photograph,biopsy
60000
587 Surgical Oncology
Testis Cancer
Adrenalectomy Inv - CT,MRI,Urinary hormones
Post procedure evidence of Clin ical
photograph,biopsy
45000
588 Surgical Oncology
Testis Cancer
Urinary diversion Inv - Post procedure evidence of
Clin ical photograph,biopsy
40000
589 Surgical Oncology
Testis Cancer
Retro Peritoneal Lymph Node Dissection RPLND
as part of staging Inv - CT Post procedure
evidence of Clin ical photograph,biopsy
20000
590 Surgical Oncology
Ca Urinary Bladder
Anterior Exenteration Inv - Cystoscopy, Biopsy,
CT Post procedure evidence of Clinical
photograph, Biopsy
60000
591 Surgical Oncology
Ca Urinary Bladder
Total Exenteration Inv - Cystoscopy, Biopsy, CT
Post procedure evidence of Clin ical photograph,
Biopsy
75000
~ 99 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
592 Surgical Oncology
Ca Urinary Bladder
Bilateral pelvic lymph Node Dissection(BPLND)
Inv - CT Post procedure evidence of Clinical
photograph, Biopsy
20000
593 Surgical Oncology
Thorax, Mediastinum
Mediastinal tumour resection Inv - CT Post
procedure evidence of Clin ical photograph,
Biopsy
50000
594 Surgical Oncology
Lung
Lung metastatectomy . Solitary Inv - CT Post
procedure evidence of X-Ray , Biopsy
50000
595 Surgical Oncology
Lung
Lung metastatectomy . Mult iple Inv - CT Post
procedure evidence of X-Ray , Biopsy
60000
596 Surgical Oncology
Lung
Sleeve resection of Lung cancer.Inv - CT Post
procedure evidence of X-Ray , Biopsy
90000
597 Surgical Oncology
Oesophagus
Oesophagectomy with Two field
Lymphadenectomy Inv - UGI, Endoscopy,
Biopsy, CT Post procedure evidence of Clin ical
photograph, Biopsy
90000
598 Surgical Oncology
Oesophagus
Oesophagectomy with Three field
Lymphadenectomy Inv - UGI, Endoscopy,
Biopsy, CT Post procedure evidence of Clin ical
photograph, Biopsy
100000
599 Surgical Oncology
Palliat ive Surgeries
Tracheostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
5000
600 Surgical Oncology
Palliat ive Surgeries
Substernal bypass Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph,
Biopsy
35000
601 Surgical Oncology
Palliat ive Surgeries
Gastrostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
20000
602 Surgical Oncology
Palliat ive Surgeries
Jejunostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
20000
603 Surgical Oncology
Palliat ive Surgeries
Ileostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
20000
604 Surgical Oncology
Palliat ive Surgeries
Colostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph
20000
605 Surgical Oncology
Palliat ive Surgeries
Suprapubic Cystostomy Inv - Clin ical Photograph
Post procedure evidence of Clin ical photograph
10000
606 Surgical Oncology
Palliat ive Surgeries
Intercostal Drainage(ICD) Inv - Clinical
Photograph Post procedure evidence of Clin ical
photograph
3000
607 Surgical Oncology
Palliat ive Surgeries
Gastro Jejunostomy Inv - Clinical Photograph Post
procedure evidence of Clin ical photograph,
Biopsy
35000
608 Surgical Oncology
Palliat ive Surgeries
Ileotransverse Colostomy Inv - Clin ical
Photograph Post procedure evidence of Clin ical
photograph, Biopsy
50000
609 Surgical Oncology
Reconstruction
Myocutaneous / cutaneous flap Inv -Clinical
Photograph Post procedure evidence of Clinical
photograph
25000
610 Surgical Oncology
Reconstruction
Micro vascular reconstruction Inv - Clinical
Photograph Post procedure evidence of Clinical
photograph
45000
611 Surgical Oncology
Gynecology
Hysterectomy Inv - USG/CT, Biopsy /Endoscopy
Post procedure evidence of Clin ical
photograph,Biopsy/USG
25000
~ 100 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
612 Surgical Oncology
Gynecology
Radical Hysterectomy Inv - USG/CT /Endoscopy,
Biopsy Post procedure evidence of Clinical
photograph,Biopsy/USG
30000
613 Surgical Oncology
Gynecology
Surgery for ca Ovary early stage Inv - USG/CT
/Endoscopy, Biopsy Post procedure evidence of
Clin ical photograph,Biopsy/USG
25000
614 Surgical Oncology
Gynecology
Surgery for ca Ovary Advance stage Inv -
USG/CT /Endoscopy, Biopsy Post procedure
evidence of Clin ical photograph,Biopsy/USG
40000
615 Surgical Oncology
Gynecology
Vulvectomy Inv - USG/CT /Endoscopy, Biopsy
Post procedure evidence of Clin ical
photograph,Biopsy/USG
15000
616 Surgical Oncology
Gynecology
Salpino oophorectomy Inv - USG/CT /Endoscopy,
Biopsy Post procedure evidence of Clinical
photograph,Biopsy/USG
25000
617 Surgical Oncology
Breast
Mastectomy any type Inv - Clin ical photograph,
Mammography, Biopsy Post procedure evidence
of Clinical photograph,Biopsy
25000
618 Surgical Oncology
Breast
Axillary dissection Inv - Clinical photograph,
Biopsy Post procedure evidence of Clinical
photograph,Biopsy
15000
619 Surgical Oncology
Breast
Wide excision Inv - Clin ical photograph, Biopsy
Post procedure evidence of Clinical
photograph,Biopsy
5000
620 Surgical Oncology
Breast
Lumpectomy Inv - Clinical photograph, Biopsy
Post procedure evidence of Clinical
photograph,Biopsy
3000
621 Surgical Oncology
Breast
Breast reconstruction Inv - Clin ical photograph,
Biopsy Post procedure evidence of Clinical
photograph,Biopsy
25000
622 Surgical Oncology
Breast
Chest wall resection Inv -Clin ical photograph,
Biopsy Post procedure evidence of Clinical
photograph,Biopsy
20000
623 Surgical Oncology
Skin Tumours
Skin tumours wide excision Inv - Clinical
photograph, Biopsy Post procedure evidence of
Clin ical photograph,Biopsy
10000
624 Surgical Oncology
Skin Tumours
Skin tumours wide excision + Reconstruction Inv
- Clinical photograph, Biopsy Post procedure
evidence of Clinical photograph,Biopsy
20000
625 Surgical Oncology
Skin Tumours
Skin tumours amputation Inv - Clin ical
photograph, Biopsy Post procedure evidence of
Clin ical photograph,Biopsy
20000
626 Surgical Oncology
Soft tissue /Bone
tumours .
Wide excision Inv - Clinical photograph, Biopsy
Post procedure evidence of Clinical
photograph,Biopsy
15000
627 Surgical Oncology
Soft tissue /Bone
tumours .
Wide excision + reconstruction Inv -Clinical
photograph, Biopsy Post procedure evidence of
Clin ical photograph,Biopsy
25000
628 Surgical Oncology
Soft tissue /Bone
tumours .
Amputation Inv - Clinical photograph, Biopsy
Post procedure evidence of Clinical
photograph,Biopsy
20000
629 Surgical Oncology
Lung
Lung cancer pnumenectomy Inv - X-
Ray/CT,Biopsy Post procedure evidence of
Clin ical photograph,Biopsy/X-Ray
50000
~ 101 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
630 Surgical Oncology
Lung
Lung cancer Lobectomy Inv - X-Ray/CT,Biopsy
Post procedure evidence of Clin ical
photograph,Biopsy/X-Ray
50000
631 Surgical Oncology
Lung
Lung Cancer Decort ication Inv - X-
Ray/CT,Biopsy Post procedure evidence of
Clin ical photograph,Biopsy/X-Ray
50000
632 Surgical Oncology
bronchoplural fistula
Surgical correct ion of bronchoplural fistula
Thoracoplasty Inv - X-Ray/CT,Biopsy Post
procedure evidence of Clin ical
photograph,Biopsy/X-Ray
50000
633 Surgical Oncology
bronchoplural fistula
Surgical correct ion of bronchoplural fistula .
Myoplasty Inv -X-Ray/CT,Biopsy Post procedure
evidence of Clin ical photograph,Biopsy/X-Ray
50000
634 Surgical Oncology
bronchoplural fistula
Surgical correct ion of bronchoplural fistula Trans
plural BPF closure Inv - X-Ray/CT,Biopsy Post
procedure evidence of Clin ical
photograph,Biopsy/X-Ray
50000
635 Surgical Oncology
Oral cavity
Marginal Mandibulectomy Inv - Orthopantogram
Post procedure evidence of Clin ical
photograph,Biopsy
25000
636 Surgical Oncology
Oral cavity
Segmental Mandibulectomy Inv -
Orthopantogram/CT Post procedure evidence of
Clin ical photograph,Biopsy
25000
637 Surgical Oncology
Oral cavity
Total glossectomy + Reconstruction Inv -
CT,Biopsy Post procedure evidence of Clinical
photograph,Biopsy
40000
638 Surgical Oncology
Oral cavity
Full thickness Buccal mucosal resection &
Reconstruction Inv - Biopsy Post procedure
evidence of Clin ical photograph,Biopsy
50000
639 Medical Oncology
Breast
Adriamycin/Cyclophosphamide (AC) Inv -
Clin ical photograph, Mammography, Biopsy Post
procedure evidence of Clin ical photograph
3000
640 Medical Oncology
Breast
5- Flurouracil A-C (FAC) Inv - Clinical
photograph, Mammography, Biopsy Post
procedure evidence of Clin ical photograph
3100
641 Medical Oncology
Breast
AC (AC Then T) Inv - Clinical photograph,
Mammography, Biopsy Post procedure evidence
of Clinical photograph
3000
642 Medical Oncology
Breast
Paclitaxel Inv - Clin ical photograph,
Mammography, Biopsy Post procedure evidence
of Clinical photograph
9500
643 Medical Oncology
Breast
Cyclophosphamide / Methotraxate / 5Flurouracil
(CMF) Inv - Clinical photograph, Mammography,
Biopsy Post procedure evidence of Clinical
photograph
1500
644 Medical Oncology
Breast
Tamoxifen Tabs Inv - Clin ical photograph,
Mammography, Biopsy Post procedure evidence
of Clinical photograph
85 per
month
645 Medical Oncology
Breast
Aromatase inhibitors Inv - Clinical photograph,
Mammography, Biopsy Post procedure evidence
of Clinical photograph
835 per
month
~ 102 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
646 Medical Oncology
Urinary Bladder
Bladder cancer weekly Cisplastin Inv -
USG,Biosy Post procedure evidence of Clinical
photograph
2000
647 Medical Oncology
Urinary Bladder
Methotraxate Vinblastin Adriamycin
Cyclophosphamide (MVAC) Inv -USG/CT,Biosy
Post procedure evidence of Clin ical photograph
5000
648 Medical Oncology
Non small cell Lung
cancer
Cisplastin/Etoposide (IIIB) Inv - X-Ray/CT
Scan,Biopsy Post procedure evidence of Clinical
photograph
7000
649 Medical
OncologyOesophagu
s
Cisplastin- 5FU Inv - Endoscopy/CT Scan, Biopsy
Post procedure evidence of Clin ical photograph
5000
650 Medical Oncology
Stomach
5-FU Leucovorin (MCDONALD Regimen) Inv -
Endoscopy/CT Scan, Biopsy Post procedure
evidence of Clin ical photograph
5000
651 Medical Oncology
Colon Rectum
Monthly 5-FU Inv - Endoscopy/CT Scan, Biopsy
Post procedure evidence of Clin ical photograph
4000
652 Medical Oncology
Colon Rectum
5- Flurouracil-Oxaliplastin Leucovorin (Fo lfox)
(Stage III only) Inv - Endoscopy/CT Scan, Biopsy
Post procedure evidence of Clin ical photograph
10000
653 Medical Oncology
Bone
tumors/Osteosarcom
a
Cisplastin/Adriamycin Inv - X-Ray/CT Scan,
Biopsy Post procedure evidence of Clinical
photograph
20000
654 Medical Oncology
Lumphoma,
Hoggkin's
Adriamycin Bleomycin Vinblastin Dacarbazine
(ABVD) Inv - Biopsy Post procedure evidence of
Clin ical photograph
4000
655 Medical Oncology
Lumphoma NHL
Cyclophosphamide Adriamycin Vincristin
Prdnisone (CHOP) Inv - Biopsy Post procedure
evidence of Clin ical photograph
3500
656 Medical Oncology
Multiple Myeloma
Vincristin, Adriamycin,Dexamethasone (VAD)
Inv - Hematology Post procedure evidence of
Clin ical photograph
4000
657 Medical Oncology
Multiple Myeloma
Thalidomide+Dexamethasone(oral) Inv -
Hematology Post procedure evidence of Clinical
photograph
3000
658 Medical Oncology
Multiple Myeloma
Melphalan Prednisone oral Inv - Hematology Post
procedure evidence of Clin ical photograph
1500
659 Medical Oncology
Wilm's Tumor
SIOP/NWTS Regimen (Stages I III) Inv -
USG/CT,Biopsy Post procedure evidence of
Clin ical photograph
7000 per
month
660 Medical Oncology
Hepatoblastoma -
Operable
Cisplastin Adriamycin Inv - USG/CT,Biopsy Post
procedure evidence of Clin ical photograph
15000
661 Medical Oncology
Cerv ix
Cerv ical cancer weekly Cisplastin Inv -
USG,Biopsy Post procedure evidence of Clinical
photograph
2000
662 Medical Oncology
Childhood B-Cell
Lymphomas
Variabe regimen Inv - Hematology Post procedure
evidence of Clin ical photograph
up to
12000
663 Medical Oncology
Neuroblastoma Stage
I –III
Variabe reg imen Inv - CT,Biopsy Post procedure
evidence of Clin ical photograph
up to
10000
~ 103 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
664 Medical Oncology
Retinoblastoma
Carbo/Etoposide/Vincristin Inv - Biopsy Post
procedure evidence of Clin ical photograph
4000
665 Medical Oncology
Histocytosis
Variabe reg imen Inv - Hematology, Biopsy Post
procedure evidence of Clin ical photograph
up to
8000 pm
666 Medical Oncology
Rhabdomyosarcoma
Vincristin-Actinomycin-Cyclophosphamide
(VACTC) Based chemo Inv -Biopsy Post
procedure evidence of Clin ical photograph
9000 per
month
667 Medical Oncology
Ewing's Sarcoma
Variabe regimen Inv - X-Ray/CT Scan, Biopsy
Post procedure evidence of Clin ical photograph
up to
9000 per
month
668 Medical Oncology
Acute Myeloid
Leukemia
Induction phase Inv - Hematology Post procedure
evidence of Clin ical photograph
up to
60000
669 Medical Oncology
Acute Myeloid
Leukemia
Comsolidation phase Inv - Hematology Post
procedure evidence of Clin ical photograph
up to
40000
670 Medical Oncology
Acute Myeloid
Leukemia
Maintenance phase Inv - Hematology Post
procedure evidence of Clin ical photograph
3000 per
month
671 Medical Oncology
Acute Lymphatic
Leukemia
Induction 1st and 2 nd months Inv - Hematology
Post procedure evidence of Clin ical photograph
up to
50000
672 Medical Oncology
Acute Lymphatic
Leukemia
Induction 3RD, 4TH, 5TH Inv - Hematology Post
procedure evidence of Clin ical photograph
up to
20000
673 Medical Oncology
Acute Lymphatic
Leukemia
Maintenance phase Inv - Hematology Post
procedure evidence of Clin ical photograph
3000 per
month
674 Medical Oncology
For Unlisted regimen
Palliat ive Chemotherapy Inv - USG/CT,Biopsy
Post procedure evidence of Clin ical photograph
up to
5000per
cycle
675 Medical Oncology
Terminally ill
Palliat ive and supportive therapy Inv -
USG/CT,Biopsy Post procedure evidence of
Clin ical photograph
3000 per
month
676 Medical Oncology
Vulval cancer
Cisplastin/5-FU Inv - Clinical Photograph, Biopsy
Post procedure evidence of Clin ical photograph
5000
677 Medical Oncology
Colo Rectal Cancer
Stage 2 and 3
XELOX along with Adjuvant chemotherapy of
AS-I Inv - CT Abdomen,pelvis, Tissue biopsy,
photograph Post procedure evidence of
USG/CT/Biopsy/Biochemical investigations
4000
678 Medical Oncology
Multiple Myeloma
Zoledronic acid along with Adjuvant
Chemotherapy of AS-I Inv - SIEP,Urine fo r Bence
Jones protein, Skeltal survey, Bone marrow
aspiration, Biopsy, S. Electrolytes, 2D ECHO Post
procedure evidence of
USG/CT/Biopsy/Biochemical investigations
3000
679 Medical Oncology
Febrile Neutropenia
FN High Risk 1
1ST Line iv antibiot ics And other supportive
therapy ( third generation cephalosporin,
aminoglycoside etc.,) Inv - Blood C.S. Urine C.S.,
Chest X-Ray, Tissue biopsy Post procedure
evidence of USG/CT/Biopsy/Biochemical
investigations
9000
~ 104 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
680 Medical Oncology
Febrile Neutropenia
FN High Risk 2
2nd line iv antib iotics and other supportive
therapy(Carbapenems, Fourth generation
cephalosporins, Piperacillin, anti-fungal . azo les
etc.,) Inv - Blood C.S. Urine C.S., Chest X-Ray,
Tissue biopsy Post procedure evidence of
USG/CT/Biopsy/Biochemical investigations
30000
681 Medical Oncology
Vaginal cancer
Cisplastin/5-FU Inv - Clinical photograph, Biopsy
Post procedure evidence of Clin ical photograph
5000
682 Medical Oncology
Ovary
Carboplastin/ Paclitaxel Inv - USG/CT,Biopsy
Post procedure evidence of Clin ical photograph
10500
683 Medical Oncology
Ovary Germ Cell
Tumour
Bleomycin-Etoposide-Cisplastin (BEP) Inv -
USG/CT,Biopsy Post procedure evidence of
Clin ical photograph
8000
684 Medical Oncology
Gestational
Trophoblast Ds. Low
Risk
Weekly Methotrexate Inv - USG/CT,Biopsy Post
procedure evidence of Clin ical photograph
600
685 Medical Oncology
Gestational
Trophoblast Ds. Low
Risk
Actinomycin Inv - USG/CT,Biopsy Post
procedure evidence of Clin ical photograph
3000
686 Medical Oncology
Gestational
Trophoblast High
Risk
Etoposide - Methotrexate -Actinomycin /
Cyclophosphamide Avincristine (EMA-CO) Inv -
USG/CT,Biopsy Post procedure evidence of
Clin ical photograph
6000
687 Medical Oncology
Testis
Bleomycin-Etoposide-Cisplastin (BEP) Inv -
USG,Biosy Post procedure evidence of Clinical
photograph
8000
688 Medical Oncology
Prostate
Hormonal Therapy Inv - USG,Biosy Post
procedure evidence of Clin ical photograph
3000 per
month
689 Radit ion Oncology
Cobalt 60 External
Beam Radiotherapy
Radical Treatment Inv - USG/CT/X-Ray,Biopy
Post procedure evidence of Clin ical
photograph,RT Treatment charts
20000
690 Radit ion Oncology
Cobalt60 External
Beam Radiotherapy
Palliat ive Treatment Inv - USG/CT/X-Ray,Biopy
Post procedure evidence of Clin ical
photograph,RT Treatment charts
10000
691 Radit ion Oncology
Cobalt 60 External
Beam Radiotherapy
Adjuvant Treatment Inv -USG/CT/X-Ray,Biopy
Post procedure evidence of Clin ical
photograph,RT Treatment charts
15000
692 Radit ion Oncology
External Beam
Radiotherapy (On
Linear Acclerator)
Radical Treatment with photons Inv - USG/CT/X-
Ray,Biopy Post procedure evidence of Clin ical
photograph,RT Treatment charts
50000
693 Radit ion Oncology
External Beam
Radiotherapy (On
Linear Acclerator)
Palliat ive Treatment with photons Inv -
USG/CT/X-Ray,Biopy Post procedure evidence
of Clinical photograph,RT Treatment charts
20000
694 Radit ion Oncology
External Beam
Radiotherapy (On
Linear Acclerator)
Adjuvant Treatment with photons/Electrons Inv -
USG/CT/X-Ray,Biopy Post procedure evidence of
Clin ical photograph,RT Treatment charts
35000
~ 105 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
695 Radit ion Oncology
Brachytherapy
Intracavity
A) Intracavitary I. LDR per application Inv -
USG/CT/X-Ray,Biopy Post procedure evidence of
4500
696 Radit ion Oncology
Brachytherapy
Intracavity
A) Intracavitary II. HDR per applicat ion Inv -
USG/CT/X-Ray,Biopy Post procedure evidence of
2500
697 Radiat ion Oncology
Brachytherapy
Interstitial
B) Interstitial I. LDR per applicat ion Inv -
USG/CT/X-Ray,Biopy Post procedure evidence of
15000
698 Radiat ion Oncology
Brachytherapy
Interstitial
B) Interstitial II. HDR one application and
multip le dose fractions Inv -USG/CT/X-
Ray,Biopy Post procedure evidence of Clin ical
photograph, RT Treatment charts
25000
699 Radiat ion Oncology
Specialized
Radiat ion Therapy -
IMRT (Intensity
modulated
radiotherapy)
Up to 40 fractions in 8 weeks Inv - CT with
contrast, Biopsy, MRI Post procedure evidence of
USG/CT/Tumour marker/RT Treatment charts
100000
700 Radiat ion Oncology
S Specialized
Radiat ion Therapy -
3DCRT(3-D
conformat ional
radiotherapy)
Up to 30 fractions in 6 weeks Inv -CT with
contrast, Biopsy, MRI Post procedure evidence of
USG/CT/Tumour marker/RT Treatment charts
75000
701 Radiat ion Oncology
Specialized
Radiat ion Therapy -
SRS/SRT
Up to 30 fractions in 6 weeks Inv - CT with
contrast, Biopsy, MRI Post procedure evidence of
USG/CT/Tumour marker/RT Treatment charts
75000
702 Radiat ion Oncology
Specialized
Radiat ion Therapy
Rapid Ax therapy
Up to 40 fractions in 8 weeks Inv - CT with
contrast, Biopsy, MRI Post procedure evidence of
USG/CT/Tumour marker/RT Treatment charts
150000
703 Radiat ion Oncology
Specialized
Radiat ion Therapy -
IMRT With IGRT
Up to 40 fractions in 8 weeks Inv - CT with
contrast, Biopsy, MRI Post procedure evidence of
USG/CT/Tumour marker/RT Treatment charts
150000
704 Plastic Surgery Cleft lip Inv - Clinical Phoptograph Post
procedure evidence of Clin ical Phoptograph
10000
705 Plastic Surgery Cleft Palate Inv - Clin ical Phoptograph Post
procedure evidence of Clin ical Phoptograph
15000
706 Plastic Surgery Velo-Pharyngial Incompetence Inv - Endoscopy
Post procedure evidence of Clin ical Phoptograph
15000
707 Plastic Surgery Syndactyly of Hand for each hand Inv - Clin ical
Phoptograph Post procedure evidence of Clinical
Phoptograph
15000
708 Plastic Surgery Microtia/Anotia Inv - Clin ical Phoptograph Post
procedure evidence of Clin ical Phoptograph
30000
709 Plastic Surgery TM joint ankylosis Inv - Clinical Phoptograph, X-
Ray Post procedure evidence of Clin ical
Phoptograph
40000
~ 106 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
710 Burns 30% to 50% Up to -40% With scalds ( conservative) Inv -
Clin ical Photograph Post procedure evidence of
Clin ical Phoptograph
35000
711 Burns 30% to 50% Upto-40% Mixed Burns( With surgeries) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
50000
712 Burns 30% to 50% Upto-50% with scalds(Conservative) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
60000
713 Burns 30% to 50% Up to -50% Mixed Burns( With surgeries) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
70000
714 Burns Above 50% Up to -60% With scalds ( conservative) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
80000
715 Burns Above 50% Up to -60% Mixed Burns( With surgeries) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
100000
716 Burns Above 50% ABOVE 60% Mixed Burns( With surgeries) Inv -
Clin ical Phoptograph Post procedure evidence of
Clin ical Phoptograph
120000
717 Burns Post Burn
contracture surgeries
for functional
improvement
(Package including
splints pressure
garments and
Physiotherapy)
Mild Inv - Clin ical Phoptograph Post procedure
evidence of Clin ical Phoptograph
20000
718 Burns Post Burn
contracture surgeries
for functional
improvement
(Package including
splints pressure
garments and
Physiotherapy)
Moderate Inv -Clin ical Phoptograph Post
procedure evidence of Clin ical Phoptograph
30000
719 Burns Post Burn
contracture surgeries
for functional
improvement
(Package including
splints pressure
garments and
Physiotherapy)
Severe Inv - Clinical Phoptograph Post procedure
evidence of Clin ical Phoptograph
40000
720 Plastic Surgery Hemifacial Microsmia Inv - 3 D CT, MRI Post
procedure evidence of Clin ical Phoptograph
50000
721 Plastic Surgery Leprosy reconstructive surgery Inv - Nerve
conduction study Post procedure evidence of
Clin ical Phoptograph
20000
722 Plastic Surgery Nerve and tendon repair + Vascular repair Inv -
Nerve conduction study, CT Scan Post procedure
evidence of Clin ical Phoptograph
30000
723 Plastic Surgery Ptosis Inv -Clinical photograph Post procedure
evidence of Clin ical Phoptograph
25000
~ 107 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
724 Plastic Surgery Tumour of mandible and maxilla Inv -
CT/MRI/HPE/Biopsy Post procedure evidence of
Clin ical Phoptograph
40000
725 Plastic Surgery Vaginal atresia Inv - USG Abdomen Post
procedure evidence of Clin ical Phoptograph
25000
726 Plastic Surgery Vascular malformations Inv - Angiogram Post
procedure evidence of Clin ical Phoptograph
25000
727 Plastic Surgery Correct ive Surgery for Congenital deformity of
hand (per hand) Inv - X-Ray/CT Scan Post
procedure evidence of Clin ical Phoptograph
15000
728 Plastic Surgery Correct ive Surgery for Cran iosynostosis Inv - 3D
CT/MRI Post procedure evidence of Clinical
Phoptograph
50000
729 Plastic Surgery Cup and Bat ears Inv - Clinical photograph Post
procedure evidence of Clin ical Phoptograph
20000
730 Plastic Surgery Flap cover fo r Electrical burns with vitals exposed
Inv - Clin ical photograph Post procedure evidence
of Clinical Phoptograph
50000
731 Plastic Surgery Reduction surgery for Filarial lymphedema Inv -
Clin ical photograph Post procedure evidence of
Clin ical Phoptograph
20000
732 Plastic Surgery Hemifacial atrophy Inv - 3 D CT, MRI Post
procedure evidence of Clin ical Phoptograph
30000
733 Polytrauma
Orthpedic Trauma
Open Reduction and internal fixation of long bone
fractures Inv - X-Ray Post procedure evidence of
X-Ray
15000
734 Polytrauma
Orthpedic Trauma
Amputation Surgery Inv - X-Ray Post procedure
evidence of Clin ical Phoptograph
5000
735 Polytrauma
Orthpedic Trauma
Soft tissue injury Inv - Clinical photograph Post
procedure evidence of Clin ical Phoptograph
5000
736 Polytrauma
Neurosurgical
trauma consertative
Stay in general ward @RS.500/ Day Inv - X-
Ray/CT Post procedure evidence of Clinical
Phoptograph
6000
737 Polytrauma
Neurosurgical
trauma consertative
Stay in NEURO [email protected]/DAY Inv - X-
Ray/CT Post procedure evidence of Clinical
Phoptograph
28000
738 Polytrauma
Neurosurgical
trauma
Surgical treatment (Up to) Inv - X-Ray/CT Post
procedure evidence of Clin ical Phoptograph
150000
739 Polytrauma Chest
consertative
treatment
Chest injuries Conservative stay in General ward
@RS.500/Day Inv -X-Ray/CT Post procedure
evidence of Clin ical Phoptograph
3000
740 Polytrauma Chest
consertative
treatment
Stay in Respiratory ICU [email protected]/Day Inv -
X-Ray/CT Post procedure evidence of Clin ical
Phoptograph
20000
741 Polytrauma Chest Surgical treatment Inv - X-Ray/CT Post procedure
evidence of X-Ray
50000
742 Polytrauma
Abdomen
consertative
treatment
Abdominal inju ries Conservative stay in General
ward @RS.500/DAY Inv - X-Ray/USG/CT Post
procedure evidence of USG
3000
743 Polytrauma
Abdomen
consertative
treatment
Stay in Surg ical [email protected]/DAY Inv - X-
Ray/USG/CT Post procedure evidence of USG
7000
~ 108 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
744 Polytrauma
Abdomen
Abdominal inju ries surgical treatment Inv - X-
Ray/USG/CT Post procedure evidence of
USG/Clinical photograph
75000
745 Polytrauma
Emergency room
procedures
Tracheostomy Inv - Clinical photograph Post
procedure evidence of Clin ical photograph
3000
746 Polytrauma
Emergency room
procedures
Thoracostomy Inv - Clinical photograph Post
procedure evidence of Clin ical photograph
3000
747 Orthopedic and facial
trauma wound
management for
compound fractures
Grade I& II Inv - Clin ical photograph,X-Ray Post
procedure evidence of Clin ical photograph
10000
748 Orthopedic and facial
trauma wound
management for
compound fractures
Grade -III Inv -Clinical photograph,X-Ray Post
procedure evidence of Clin ical photograph
20000
749 Orthopedic and facial
trauma wound
management for
compound fractures
Flap cover surgery for wound in compound
fracture Inv - Clinical photograph,X-Ray Post
procedure evidence of Clin ical photograph
20000
750 Orthopedic and facial
trauma other s mall
bone fractures-K-
wiring (to be covered
along with other
injuries only and not
as exclusive
procedure)
Surgery for Patella Fracture (To be covered with
other injuries only and not as exclusive
procedure) Inv -X-Ray Post procedure evidence
of X-Ray
5000
751 Orthopedic and facial
trauma other s mall
bone fractures-K-
wiring (to be covered
along with other
injuries only and not
as exclusive
procedure)
Small bone fractures K-Wiring (To be covered
with other injuries only and not as exclusive
procedure) Inv - X-Ray Post procedure evidence
of X-Ray
5000
752 Orthopedic and facial
trauma Facial
injuries
Facial bone fractures (Faciomaxillary in juries) Inv
-Clinical photograph,X-Ray Post procedure
evidence of Clin ical photograph, X-Ray
15000
753 Orthopedic and facial
trauma Pelv ic bone
fracture
Surgical correct ion of Pelvic Bone fractures. Inv -
X-Ray Post procedure evidence of X-Ray
20000
754 Hearing aid Behind the ear analogue hearing aid. Inv -
Audiometry with post treatment evidence of
Clin ical photograph
10000
755 Prosthesis lower limb
Symes Prostheses
HDP/PP with post treatment evidence of Clin ical
photograph
1000
756 Prosthesis lower limb
Symes Prostheses
Fibre with post treatment evidence of Clin ical
photograph
1200
757 Prosthesis lower limb
Symes Prostheses
Modular with post treatment evidence of Clinical
photograph
1500
758 Prosthesis Below
Knee(BK/PTB)
Prostheses
HDP/PP with post treatment evidence of Clin ical
photograph
1200
~ 109 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
759 Prosthesis Below
Knee(BK/PTB)
Prostheses
Fibre with post treatment evidence of Clin ical
photograph
1500
760 Prosthesis Below
Knee(BK/PTB)
Prostheses
Modular with post treatment evidence of Clinical
photograph
3000
761 Prosthesis Through
Knee Prostheses
HDP/PP with post treatment evidence of Clin ical
photograph
1500
762 Prosthesis Through
Knee Prostheses
Fibre with post treatment evidence of Clin ical
photograph
1800
763 Prosthesis Through
Knee Prostheses
Modular with post treatment evidence of Clinical
photograph
3500
764 Prosthesis Above
Knee(AK)
Prostheses
HDP/PP with post treatment evidence of Clin ical
photograph
1500
765 Prosthesis Above
Knee(AK)
Prostheses
Fibre with post treatment evidence of Clin ical
photograph
1800
766 Prosthesis Above
Knee(AK)
Prostheses
Modular with post treatment evidence of Clinical
photograph
3500
767 Prosthesis Hip
disarticulation
prosthesis
HDP/PP with post treatment evidence of Clin ical
photograph
2500
768 Prosthesis Hip
disarticulation
prosthesis
Fibre with post treatment evidence of Clin ical
photograph
3000
769 Prosthesis Hip
disarticulation
prosthesis
Modular with post treatment evidence of Clinical
photograph
6000
770 Prosthesis Hip
disarticulation
prosthesis
Partial foot prostheses with post treatment
evidence of Clin ical photograph
500
771 Prosthesis Upper
Limb below elbow
HDP/PP with post treatment evidence of Clin ical
photograph
1500
772 Prosthesis Upper
Limb below elbow
Fibre with post treatment evidence of Clin ical
photograph
1800
773 Prosthesis Upper
Limb below elbow
Modular with post treatment evidence of Clinical
photograph
3500
774 Prosthesis Upper
Limb above elbow
HDP/PP with post treatment evidence of Clin ical
photograph
1500
775 Prosthesis Upper
Limb above elbow
Fibre with post treatment evidence of Clin ical
photograph
2000
776 Prosthesis Upper
Limb above elbow
Modular with post treatment evidence of Clinical
photograph
4000
777 Prosthesis Upper
Limb whole upper
limb
HDP/PP with post treatment evidence of Clin ical
photograph
1000
778 Prosthesis Upper
Limb whole upper
limb
Fibre with post treatment evidence of Clin ical
photograph
1200
779 Prosthesis Upper
Limb whole upper
limb
Modular with post treatment evidence of Clinical
photograph
1500
~ 110 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Sr
No
Category Disease, stay, Investigations, Post treatment
evidence
Cost Treatment
protocol
780 Critical Care Acute severe asthma with Acute respiratory failure
Inv - ABG , Serum IgE , Spirometry , clinical
photo intubated with ventilator , serum
electrolytes 10 days stay with post treatment
evidence of ABG and other lab investigations
45000 Asthma
Guide lines -
GINA /India,
Ventilatory
Care
781 Critical Care COPD Respiratory Failure (infective
exacerbation) Inv - Blood gases , HRCT Chest ,
ventilator when necessary, clinical photograph,
spirometry, serum electrolytes, 2 D Echo 14 days
stay with post treatment evidence of ABG and
other lab investigations
70000 According to
International
Guide lines,
Ventilatory
Care
782 Critical Care Acute Bronchitis and Pneumonia with Respiratory
failure Inv -clin ical photograph HRCT Chest,
ABG, ventilator 10 days stay with post treatment
evidence of ABG and other lab investigations
50000 IP 10 days,
Inhalers,
LABA,
Ventilatory
Care
783 Critical Care ARDS with ventilatory care Inv - HRCT Chest,
clin ical photograph,ABG 14 days stay with post
treatment evidence of ABG and other lab
investigations
80000 Antimicrobial
s, MICU, O2,
Ventilatory
Care
784 Critical Care ARDS with Mult i Organ failu re with ventilatory
care Inv - HRCT Chest, clinical photograph,ABG,
Sputum CS 14 days stay with post treatment
evidence of ABG and other lab investigations
100000 Antimicrobial
s, MICU, O2,
Ventilatory
Care
785 Critical Care ARDS plus DIC (Blood & Blood products) with
ventilatory care Inv - HRCT Chest, clin ical
photograph,ABG, Sputum CS 14 days stay with
post treatment evidence of ABG and other lab
investigations
120000 Cryo
precipitate,
FFP,
Ventilatory
Care
786 Critical Care OP Poisoning requiring ventilatory assistance
Clin ical photo Inv - Renal chemistry Drug/Poison
level in blood, Blood gases 1 week stay with post
treatment evidence of ABG and other lab
investigations
30000 MICU, O2,
Ventilatory
Care, atropine
787 Critical Care Septic Shock(ICU Management) with ventilatory
assistance Inv - Blood Culture , Blood gases ,
Clin ical photo, Renal Chemistry , USG , Urine
Culture 14 days stay with post treatment evidence
of ABG and other lab investigations
50000 Antimicrobial
s, MICU, O2,
Ventilatory
Care and
other
supportive
measures
788 Critical Care Gen
Medicine
Thrombocytopenia with bleeding d iathesis Inv -
Bone Marrow , Leptospira , PT APTT , Parasite F
/ V , Platelet count , Report and video clip
"online"one week stay with post treatment
evidence of lab investigations
20000 IV fluids,
PRP, SDPIV
- IgIV
antimicrobial
s
789 Critical Care Gen
Medicine
Haemophilia with Inv - Factor VIII / IX , PT
APTT Report and video clip "online 1 week stay
with post treatment evidence of lab investigations
50000 IV FPP,
Factor VIII /
Cryoprecip ita
te
~ 111 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
790 Critical Care Gen
Medicine
Other Coagulation disorders with Von willi brands
factor, 1 week stay with with post treatment
evidence of lab investigations
50000 IV FPP,
Factor VIII /
Cryoprecipatt
e
791 Critical Care Gen
Medicine
Chelat ion Therapy for Thalassemia serum Inv -
Ferritin , Heamatocrit , Heamogram , Peripheral
Smear , S.Iron , 5 days stay with post treatment
evidence of lab investigations
20000 Chelat ion
Therapy
792 Critical Care Gen
Medicine
Cerebral Malaria (Falciparum) Inv - CSF
Analysis , Parasite F Test and QBC, 7 days stay
with post treatment evidence of clin ical and lab
investigations
20000 Blood and
Platelet
Transfusion,
IV
antibiotics,
IV fluids,
Mefloquine,
IV quin ine or
IV artesunate,
Paracetamol,
Ventilat iory
Support
793 Critical Care Gen
Medicine
TB meningit is Inv - ABG , CT Scan Brain CSF
ADA Analysis, 2 weeks stay with post treatment
evidence of lab investigations
30000 Anticonvulsa
nts
(Midazolam
or
Lorazepam,
Phenobarbito
ne or
Phenytoin),
Antitubercula
r therapy, IV
Mannitol, IV
antibiotics,
IV
dexamethaso
ne and oral
steroids, IV
flu ids,
Mechanical
Ventilatory
support, Naso
gastric feeds,
Paracetamol
794 Critical Care Gen
Medicine
Snake bite requiring ventilator support Inv - 8
hourly ABG seven days , CT Scan brain, Blood
sugar 4 hourly 2 weeks stay with post treatment
evidence of lab investigations
50000 Antisnake
Venom, IV
flu ids,
Inj.Antibiotic
s ,
Inotropes(Do
butamine,
Dopamine,
Adrenaline,
Noradrenalin
e),
Mechanical
Ventilat ion,
oxygen
~ 112 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
795 Critical Care Gen
Medicine
Scorpion Sting requiring ventilator support Inv -
Eight hourly ABG for 7days,Blood sugar 8 hourly
ECH, ECG, CVP Monitoring 2 weeks stay with
post treatment evidence of lab investigations
25000 Antiscorption
Venom, IV
flu ids,
Antibiotics,
prazocin,
Mechanical
Ventilat ion,
Oxygen and
other
treatment
such as SNP
drip etc.
796 Critical Care Gen
Medicine
Metabolic Coma requiring Ventilatory Support
Inv - ABG , Arterial Blood Pressure , Blood Sugar
, Blood Urea , CVP monitoring , ECG , Echo ,
S.Creatin inine , Thyroid Profile, 2 weeks stay
with post treatment evidence of lab investigations
30000 Inotropes IV
antibiotics,
IV fluids,
Inj.Midazo la
m in fusion,
Mechanical
Ventilat ion,
Oxygen,
Sodium
Nitroprusside
797 Infectious diseases Tetanus severe Inv - ABG, swab for culture
sensitivity 3 weeks stay with post treatment
evidence of clinical photograph
20000 Medical,
Ventilator,
tracheostomy
798 Infectious diseases Diphtheria Complicated Inv - ECG-5 times ,
Throat swab for c/s-3 times , Urine for ketone
bodies clinical photograph 4 weeks stay with post
treatment evidence of and lab investigations
25000 Medical,
Tracheostom
y, ventilator
799 Infectious diseases Cryptococcal Meningitis Inv - investigation of
cryprococcal antigen, treatment of 2 weeks stay
with post treatment evidence of lab investigations
20000 Amphotericin
B
+Fluconazole
800 Paediatrics Neonatal Term baby with culture positive sepsis - Non
ventilated Hyperbilirub inemia Inv - Blood culture,
CRP, Serum bilirubin, CSF Analys is, 14 days stay
with post treatment evidence of clinical
improvement and lab investigations
25000 25 %
dextrose,
Calcium
gluconate,
Fluconazole,
IV antib iotics
-Meropenem ,
Maintenance
IV Fluids -
Isolyte P,
Nasogastric
tube feeds,
Phototherapy,
Tobramycin -
80mg
~ 113 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
801 Pediatrics Neonatal 30 to 32 weeks preterm Severe Hyaline membrane
disease Clin ical sepsis Patent ductus arteriosus -
Medical management Mechanical ventilat ion
Hyperbilirubinemia Inv - 2D ECHO ,
Neurosonogram , Blood culture, CRP, ABG, 8
weeks stay with post treatment evidence of
clin ical improvement and lab investigations
90000 25 %
dextrose,
Calcium
gluconate,
Dobutamine,
Dopamine,
FFP,
Frusemide,
Heparin, IV
antibiotics
(Meropenem
- ,
Tobramycin -
Fluconazole),
Maintenance
IV Fluids ,
Mechanical
ventilation,
Midazolam,
Nasogastric
tube feeds,
PRBC, FFP,
PRP,
Phototherapy-
Umbilical
venous and
arterial lines,
Supplemental
Oxygen,
Surfactant
therapy -
Neosurf,
Vecuronium
802 Pediatrics Neonatal <30 weeks preterm Severe Hyaline membrane
disease Clin ical/Culture positive sepsis Patent
ductus arteriosus - Medical management
Mechanical ventilation Hyperbilirubinemia Inv -
2D ECHO , Neurosonogram, Blood culture,
CRP, ABG 8 weeks stay with post treatment
evidence of clinical improvement and lab
investigations
90000 25 %
dextrose,
Aminoven,
Calcium
gluconate,
Dobutamine,
Dopamine,
FFP,
Frusemide,
Heparin, IV
antibiotics
(Meropenem,
Tobramycin
,Fluconazo le)
, Maintenance
IV Fluids - ,
Mechanical
ventilation,
Midazolam,
Nasogastric
tube feeds,
Normal
saline, PRBC,
~ 114 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
PRP, FFP,
Phototherapy-
Umbilical
venous and
arterial lines,
Supplemental
Oxygen 7
days,
Surfactant
therapy -
Neosurf,
Vecuronium
803 Paediatrics Neonatal Term baby with persistent pulmonary
hypertension Ventilation-HFO Hyperbilirubinemia
Clin ical sepsis Inv - 2D ECHO , Neurosonogram ,
Blood culture, CRP, ABG, 6 weeks stay with post
treatment evidence of clin ical improvement and
lab investigations
80000 25 %
dextrose,
Aminoven,
Calcium
gluconate,
Dobutamine,
Dopamine,
FFP,
Frusemide,
Heparin, IV
antibiotics
(Meropenem
- ,
Tobramycin -
Fluconazole),
Maintenance
IV Fluids - ,
Mechanical
ventilation,
Midazolam,
Nasogastric
tube feeds,
Normal
saline, PRBC,
PRP, FFP
Phototherapy-
Umbilical
venous and
arterial lines,
Sodium
bicarbonate,
Supplemental
Oxygen,
Surfactant
therapy -
Neosurf,
Vecuronium
~ 115 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
804 Paediatrics Neonatal Term baby with severe perinatal asphyxia - Non
ventilated Clin ical sepsis Hyperbilirubinemia Inv -
CSF analysis(LP) , CT-Scan , Neurosonogram
,Blood culture, CRP, X-Ray chest 10 days stay
with post treatment evidence of clinical
improvement and lab investigations
25000 Supplemental
Oxygen 25 %
dextrose,
Calcium
gluconate, IV
Phenobarbito
ne, IV
Phenytoin, IV
antibiotics
(Piperacillin
Tazobactum,
Tobramycin
),
Maintenance
IV Fluids ,
Midazolam,
Nasogastric
tube feeds,
Normal
saline,
Physiotherap
y,
805 Paediatrics Neonatal Term baby with severe perinatal asphyxia -
Ventilated Clin ical sepsis Hyperbilirubinemia, Inv
- Neurosonogram, CT Scan CSF analysis(LP) ,
ABG, Blood culture, CRP, Serum bilirubin, 3
weeks stay with post treatment evidence of
clin ical improvement and lab investigations
40000 Supplemental
Oxygen,
Mechanical
ventilation,
25 %
dextrose,
Aminoven,
Calcium
gluconate,
Dobutamine,
Dopamine,
FFP, Heparin,
Aminoven,
IV
Phenobarbito
ne, IV
Phenytoin, IV
antibiotics
(Meropenem,
Tobramycin -
Fluconazole),
Maintenance
IV Fluids -
Midazolam,
Nasogastric
tube feeds,
Calcium
gluconate,
Normal
saline, PRBC,
FFP, PRP,
Physiotherap
y,
Phototherapy-
~ 116 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Umbilical
venous and
arterial lines,
Vecuronium
806 Paediatrics Neonatal Term baby Severe hyperbilirubinemia Clinical
sepsis Inv - Serum bilirubin, Blood culture, CRP,
X-Ray chest, CSF Analysis, 10 days stay with
post treatment evidence of clinical improvement
and lab investigations
25000 Double
volume
exchange
transfusion,
Double
surface
Phototherapy,
IV antib iotics
(Piperacillin
Tazobactum,
Tobramycin -
)Maintenance
IV Fluids, 25
% dextrose,
Calcium
gluconate,
Nasogastric
tube feeds,
Whole blood,
807 Paediatrics Neonatal Term baby with seizures ventilated Inv -
Neurosonogram, CT-Scan brain, Ultrasound
abdomen, CSF analysis , Blood ammonia ,
Lactate, Metabolilc screening-blood and urine
ABG , Blood culture, 10 days stay with post
treatment evidence of clin ical improvement and
lab investigations
25000 Supplemental
Oxygen, IV
antibiotics
(Meropenem
Tobramycin,
Fluconazole),
Maintenance
IV Fluids , 25
% dextrose,
Calcium
gluconate,
Nasogastric
tube feeds, -
Umbilical
venous and
arterial lines,
Aminoven, ,
Dobutamine,
Dopamine,
PRBC, FFP,
PRP,
midazolam,
~ 117 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Heparin, IV
Phenobarbito
ne, IV
Phenytoin,
Phototherapy,
Mechanical
ventilation.
808 Paediatrics Neonatal Necrotising enterocolitis, Clin ical sepsis Non
ventilated Hyperbilirub inemia Inv - Blood
culture, Abdomen radiograph and ultrasound ,
LFT , Stool for occult b lood , serum bilirubin, 4
weeks stay with post treatment evidence of
clin ical improvement and lab investigations
25000 IV antib iotics
(Meropenem
, Tobramycin
Fluconazole),
Maintenance
IV Fluids ,
Metronidazol
e, 25 %
dextrose,
Calcium
gluconate,
Nasogastric
tube feeds,
Albumin,
Aminoven,
Central line,
Heparin,
,Normal
saline,
Phototherapy,
Total
parenteral
nutrition
809 Paediatrics Neonatal Term baby, fu lminant culture positive sepsis,
septic shock, Ventilated, Hyperbilirubinemia
Renal failure, with Inv - Neurosonogram , Ultra
sound of abdomen, 2D ECHO , Abdomen
radiograph, , CSF analysis(LP) ,Blood culture,
ABG, LFT , Stool for occult blood , Renal
function tests, 5 weeks stay with post treatment
evidence of clinical improvement and lab
investigations
40000 Supplemental
Oxygen,
mechanical
ventilation,
IV antib iotics
(Meropenem
, Tobramycin,
Fluconazole),
25 %
dextrose,
Maintenance
IV Fluids ,
Calcium
gluconate,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
~ 118 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Dobutamine,
Dopamine,
PRBC, PRP,
FFP,
Midazolam,
vecurnium,
Heparin,
Aminoven,
Adrenaline,
Albumin, ,
Frusemide,
Noradrenalin
e, Normal
saline, ,
Peritoneal
dialysis,
Sodium
bicarbonate,
Total
parenteral
nutrition,
810 Paediatrics Neonatal 33 to 34 weeks preterm baby Severe Hyaline
membrane disease Clinical sepsis Bubble CPAP
Hyperbilirubinemia Inv - X-Ray chest, ABG,
Neurosonogram b lood culture, CRP, Serum
bilirubin, 2D ECHO, Neurosonogram, 3 weeks
stay with post treatment evidence of clinical
improvement and lab investigations
40000 Supplemental
Oxygen,
CPAP, IV
antibiotics
(Piperacillin
Tazobactum-
1,
Tobramycin
),
Maintenance
IV Fluids , 25
% dextrose,
Aminoven,
Calcium
gluconate,
Heparin,
Midazolam,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
811 Paediatrics Neonatal 33 to 34 weeks preterm baby Severe Hyaline
membrane disease with Clinical sepsis,
Mechanical ventilation Hyperbilirubinemia Inv -
X-Ray chest, ABG, CRP, Serum bilirubin, Blood
culture, 4 weeks stay with post treatment evidence
of clinical improvement and lab investigations
60000 Supplemental
Oxygen,
Mechanical
ventilation,
25 %
dextrose, IV
antibiotics
(Piperacillin
Tazobactum-
1,
Tobramycin),
Maintenance
~ 119 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
IV Fluids ,
Calcium
gluconate,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
Aminoven,
FFP, Heparin,
Dopamine,
Dobutamine,
Midazolam,
PRBC, FFP,
PRP
812 Paediatrics Neonatal 35 to 36 weeks Preterm Mild Hyaline membrane
disease Culture positive sepsis Nonventilated
Hyperbilirubinemia Inv - X-Ray chest, Blood
culture, CRP, CSF Analysis, Serum bilirubin, 3
weeks stay with post treatment evidence of
clin ical improvement and lab investigations
35000 Supplemental
Oxygen, 25
% dextrose,
IV antib iotics
-Meropenem ,
Tobramycin,
Fluconazole,
Calcium
gluconate, ,
Maintenance
IV Fluids ,
Nasogastric
tube feeds,
Phototherapy,
813 Paediatrics Neonatal 33 to 34 weeks preterm Mild Hyaline membrane
disease Culture positive sepsis - Nonventilated
Hyperbilirubinemia Inv - Neurosonogram 2D
ECHO , CSF analysis ,Blood culture , CRP,
Serum b ilirubin, X-Ray chest, 4 weeks stay with
post treatment evidence of clinical improvement
and lab investigations
45000 Supplemental
Oxygen, 25
% dextrose,
IV antib iotics
-Meropenem
Tobramycin,
Fluconazole,
Calcium
gluconate,
Maintenance
IV Fluids ,
Nasogastric
tube feeds,
PRBC, PRP,
FFP,
Phototherapy,
~ 120 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
814 Paediatrics Neonatal 33 to 34 weeks preterm Severe Hyaline membrane
disease Culture positive sepsis Mechanical
ventilation/ Bubble CPAP Hyperbilirubinemia.
Inv - Neurosonogram, 2D ECHO, CSF Analysis,
blood culture, CRP, S.Bilirubin, X-Ray chest,
ABG. 6 weeks stay with post treatment evidence
of clinical improvement and lab investigations
60000
Supplemental
Oxygen,
Mechanical
ventilation,
Surfactant
therapy -
Neosurf, IV
antibiotics -
Meropenem
Tobramycin
Fluconazole,
Maintenance
IV Fluids -
Isolyte P, 25
% dextrose,
Calcium
gluconate,
Nasogastric
tube feeds,
Phototherapy
Umbilical
venous and
arterial lines,
Aminoven,
Dobutamine,
Dopamine,
FFP,
Heparin,
Normal
saline, PRBC,
PRP,
Vecuronium
815 Paediatrics Neonatal 30 to 32 weeks preterm Severe Hyaline membrane
disease Clin ical/ Culture positive sepsis
Mechanical ventilation Hyperbilirubinemia Inv -
2D ECHO, Lumbar Puncture CSF analysis ,
Neurosonogram b lood culture, CRP, S. Bilirubin,
X-Ray chest, ABG 8 weeks stay. with post
treatment evidence of clin ical improvement and
lab investigations
90000 Supplemental
Oxygen,
Mechanical
ventilation,
Surfactant
therapy -
Neosurf, IV
antibiotics
(Meropenem
Tobramycin -
Fluconazole),
Maintenance
IV Fluids ,25
% dextrose,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
Aminoven,
Dobutamine,
Dopamine,
~ 121 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
FFP, Heparin,
Midazolam,
PRBC, PRP,
Vecuronium
816 Paediatrics Neonatal <30 weeks preterm Severe Hyaline membrane
disease Clin ical/ Culture positive sepsis
Mechanical ventilation Hyperbilirubinemia Inv -
2D ECHO , Lumbar Puncture CSF analysis ,
Neurosonogram , b lood culture, CRP,S. Bilirubin,
X-Ray chest, ABG 10 weeks stay, with post
treatment evidence of clin ical improvement and
lab investigations
90000 Supplemental
Oxygen,
Mechanical
ventilation,
Surfactant
therapy -
Neosurf, IV
antibiotics
(Meropenem
Tobramycin -
Fluconazole),
IV Fluids - ,
25 %
dextrose,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
Aminoven,
Calcium
gluconate,
Dobutamine,
Dopamine,
FFP, Heparin,
Maintenance
Midazolam,
Normal
saline, PRBC,
PRP,
Vecuronium
817 Paediatrics Neonatal 33 to 34 weeks preterm Severe Hyaline Membrane
disease Clin ical/Culture positive sepsis Patent
ductus arteriosus- Medical management
Mechanical ventilation Hyperbilirubinemia, Inv -
2D ECHO , Neurosonogram, blood culture, CRP,
ABG, X-Ray chest Serum bilirubin 6 weeks stay
with post treatment evidence of clinical
improvement and lab investigations
70000 Supplemental
Oxygen,
Mechanical
ventilation,
Surfactant
therapy -
Neosurf, IV
antibiotics
(Meropenem
Tobramycin -
Fluconazole),
~ 122 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
IV Fluids - ,
25 %
dextrose,
Nasogastric
tube feeds,
Phototherapy-
Umbilical
venous and
arterial lines,
Aminoven,
Calcium
gluconate,
Dobutamine,
Frusemide,
Dopamine,
FFP, Heparin,
Maintenance
Midazolam,
Normal
saline, PRBC,
PRP,
Vecuronium
818 Pediatric Ic Care
Respiratory
Severe Bronchiolitis (Non Ventilated) Clinical
Photo Inv - ABG OD (ABG -5), X-Ray Chest, 7
days stay
PICU with post treatment evidence of X-Ray and
Pulse
Oxymetry/ABG
15000 Oxygen, I.V
flu ids, Inj.
Ceftriaxone,
Inj.
Hydrocortiso
ne,
Salbutamol,
Budesonide,
nebulisations.
819 Pediatric Ic Care
Respiratory
Severe Bronchiolitis
(Ventilated) Inv - CXR ABG 8th hrly
(3/day X 7 days),
Clin ical Photo with 10 days stay
PICU post treatment evidence of X-Ray and
Pulse
Oxymetry/ABG
20000 Oxygen, I.V
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Inj. Methyl
prednisolone,
Salbutamol,
Budesonide,
nebulisations,
Mechanical
Ventilat ion,
Inj.
Midazolam
Infusion
820 Pediatric Ic Care
Respiratory
Severe Bronchopneumonia (non Ventilated) Inv -
CXR ABG OD 7 days stay
PICU with post treatment evidence of X-Ray and
Pulse
Oxymetry/ABG
15000 Oxygen, I.V
flu ids, Inj.
Ceftriaxone +
Inj.
Amikacin,
Salbutamol,
nebulisations.
~ 123 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
821 Pediatric Ic Care
Respiratory
Severe Bronchopneumonia
(Ventilated) Inv - Serial ABG
(3/day X 7 days)
X-Ray Chest
Clin ical Photo 10 days stay in
PICU with post treatment evidence of X-Ray and
Pulse
Oxymetry/ABG
30000 Oxygen, IV
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Salbutamol,
nebulisations,
Mechanical
ventilation,
Inj.
Midazolam
Infusion.
822 Pediatric Ic Care
Respiratory
Acute Severe Asthma (Ventilated) Inv - Serial
ABG
X-Ray Chest 10 days
PICU stay with post treatment evidence of X-Ray
and
Pulse
Oxymetry/ABG
35000 Oxygen, IV
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Salbutamol,
nebulisations,
Mechanical
ventilation,
Inj.
Midazolam
Infusion.
823 Pediatric Ic Care
Respiratory
Severe Aspiration Pneumonia
(Non Ventilated) Inv - Serial ABG
X-Ray Chest 5 days
PICU stay with post treatment evidence of X-Ray
and
Pulse
Oxymetry/ABG
20000 Oxygen, IV
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Salbutamol,
nebulisations
824 Pediatric Ic Care
Respiratory
Severe Aspiration Pneumonia (Ventilated) Inv -
Serial ABG
X-Ray Chest 7 days
PICU stay with post treatment evidence of X-Ray
and
Pulse
Oxymetry/ABG
25000 Oxygen, IV
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Salbutamol,
nebulisations,
Mechanical
ventilation,
Inj.
Midazolam
Infusion.
825 Pediatric Ic Care
Respiratory
ARDS with Mult i-
organ failu re Clin ical Photo, Inv - Blood Culture,
LFT, RFT, ABG, X-Ray Chest 14 days stay with
post treatment evidence of ABG and other Lab
Investigations
100000 MICU, O2,
Antimicrobial
s,
Ventilat iory
Care
~ 124 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
826 Pediatric Ic Care
Respiratory
ARDS plus DIC
(Blood & Blood products) Clinical Photo, Inv -
LFT, RFT, Blood Culture, X-Ray Chest, ABG,
Coagulation Profile 14 days stay with post
treatment evidence of ABG and other Lab
Investigations
120000 FFP, Cryo
Precip itate,
Ventilat iory
Care
827 Pediatric Ic Care
Card iovascular
Severe Myocarditis Inv - ABG 12 hrly + ECHO +
ECG, CVP monitoring, arterial blood pressure
monitoring 10 days stay with post treatment
evidence of X-Ray and Pulse Oxymetry/ABG
40000 Oxygen, IV
flu ids, Inj.
Pipracillin
Tazobactum,
Inj.
Amikacin,
Salbutamol,
nebulisations,
Mechanical
ventilation,
Inj.
Midazolam
Infusion.
828 Pediatric Ic Care
Card iovascular
Congenital heart disease with in fection (non
Ventilated) Inv - Pulse Oxymetry, Echo X-Ray
Chest, CRP 7 days stay in
PICU with post treatment evidence of X-Ray and
Pulse Oxymetry/ABG
30000 Oxygen, I.V
flu ids, Inj.
Ceftriaxone,
Inj.
Tobramycin,
Inj.
Dobutamine,
Inj.
Dopamine.
829 Pediatric Ic Care
Card iovascular
Congenital heart disease with in fection and
cardiogenic shock (Ventilated) Inv - X-Ray Chest,
Serial ABG, Echo, CVP monitoring, arterial blood
pressure monitoring 10 days
PICU stay with post treatment evidence of X-Ray
and Pulse Oxymetry/ABG
50000 Oxygen, I.V
flu ids, Inj.
Meropenem,
Inj.
Vancomycin,
Mechanical
ventilation X,
Inj.
Midazolam,
Inotropes,
Dobutamine,
Dopamine,
adrenaline,
noradrenaline
, milirinone.
830 Pediatric Ic Care
Card iovascular
Card iogenic shock Inv - ABG X-Ray chest, Echo,
CVP monitoring, arterial b lood pressure
monitoring 10 days
PICU stay with post treatment evidence of X-Ray
and Pulse Oxymetry/ABG
50000 Oxygen, I.V
fluids, Inj.
Meropenem, Inj.
Vancomycin,
Inj.
Midazolam,
Inotropes, (Dobutamine,
Dopamine,
adrenaline,
noradrenaline,
milirinone.
~ 125 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
831 Pediatric Ic Care
Card iovascular
Infective Endocarditis Inv - 3 Blood cultures at
half hourly intervals, ABG
X-Ray Chest, Echo 15 days
PICU stay with post treatment evidence of X-Ray
and Pulse Oxymetry/ABG
50000 Oxygen, I.V
fluids, Inj.
Meropenem,
Inj. Vancomycin,
Mechanical
ventilation, Inj.
Midazolam,
Inotropes, (Dobutamine,
Dopamine,
adrenaline,
noradrenaline,
milirinone, Inj. Heparin, low
molecular
weight heparin
832 Pediatric Ic Care
CNS
Meningo-encephalitis (Non Ventilated) Inv - CSF
analysis, CT-Scan, EEG 14 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
40000 Oxygen, I.V
fluids, Inj.
Cefepime, Inj.
Vancomycin,
Inj. Acyclovir, Anticonvulsant
s (Inj.
Lorazepam,
Inj. Phenytoin
(Inj. Phenobarbitone
) Inj.
Midazolam
infusion
833 Pediatric Ic Care
CNS
Meningo- encephalitis
(Ventilated) Inv - Serial ABG, CSF analysis , CT
scan, EEG, arterial monitoring 14 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
60000 Oxygen, I.V
fluids, Inj.
Cefepime, Inj.
Vancomycin, Inj. Acyclovir,
Anticonvulsant
s (Inj.
Lorazepam,
Inj. Phenytoin Inj.
Phenobarbitone
), Mechanical
ventilation, Inj.
Midazolam infusion
834 Pediatric Ic Care
CNS
Status Epilepticus Inv - Serial ABG, CSF analysis,
CT scan, EEG 14 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
50000 Oxygen, I.V
fluids, Inj. Cefepime, Inj.
Vancomycin,
Inj. Acyclovir,
Anticonvulsant
s (Inj. Lorazepam,
Inj. Phenytoin
Inj.
Phenobarbitone
), Mechanical ventilation, Inj.
Midazolam
infusion
835 Pediatric Ic Care Febrile Seizures (atypical- mechanical ventilated) 25000 Oxygen, I.V
~ 126 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
CNS Inv - Serial ABG, CSF analysis, CT Scan, EEG 5
days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
fluids, Inj.
Cefepime, Inj.
Amikacin, Inj.
Anticonvulsants (Inj.
Lorazepam,
Inj. Phenytoin
Inj.
Phenobarbitone), Mechanical
ventilation, Inj.
Midazolam
infusion
836 Pediatric Ic Care
CNS
Intra cranial b leed Inv - Serial ABG, CSF analysis,
CT Scan, EEG 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
40000 Oxygen, I.V
fluids,
Antibiotics Inj.
Meropenem, Inj.
Tobramycin,
Mechanical
ventilation, Inj.
Midazolam infusion,
Inotropes
Dobutamine,
Dopamine,
Adrenaline, noradrenaline,
Milrinone,
Anticonvulsant
s (Inj.
Lorazepam, Inj. Phenytoin
Inj.
Phenobarbitone
), Inj. Calcium
837 Pediatric Ic Care GIT Acute Gastro intestinal bleed Inv - ABG/Upper GI
Endoscopy, USG
abdomen 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
30000 Oxygen, I.V
fluids,
Antibiotics
(Inj. Ceftriaxone,
Inj. Ofloxacin,
Inj. Amikacin)
Mechanical
ventilation, Inj. Midazolam
infusion,
endoscopic
sclerotherapy,
Inotropes (Dobutamine,
Dopamine)
838 Pediatric Ic Care GIT Acute Pancreatitis Inv - ABG, USG abdomen, CT
Scan Abdomen, serum amylase, lipase, CVP
monitoring, arterial BP monitoring 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
50000 Oxygen, I.V fluids,
Antibiotics
(Inj.
Meropenem,
Inj. Vancomycin)
Mechanical
ventilation, Inj.
Midazolam
~ 127 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
infusion,
Inotropes
(Dobutamine,
Dopamine, Adrenaline,
noradrenaline,
Milrinone,
Insulin, Inj.
Calcium, TPN)
839 Pediatric Ic Care GIT Acute hepatitis with hepatic encephalopathy Inv -
Serial ABG, Bloodsugar 4 hrly, USG abdomen,
CT Scan (brain), Hepatic v iral studies (Hepatitis
B, Hepatit is C, Hepatit is A, LFT, S. Ammonia) 10
days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
50000 Oxygen, I.V
fluids, Antibiotics
(Inj.
Meropenem)
Mechanical
ventilation, Inj. Midazolam
infusion,
Inotropes,
Dobutamine,
Dopamine, Adrenaline,
noradrenaline,
Milrinone, Inj.
Calcium, Inj.
N-Acetyl Cystein, Inj. L-
ornathine, L-
Carnitine,
Anticonvulsant
s (Inj. Lorazepam,
Inj. Phenytoin,
Inj.
Phenobarbitone
)
840 Pediatric Ic Care
Renal
Acute Renal Failu re with dialysis Inv - Serial
ABG, X-Ray Chest, Blood Urea cum Serum
Creat inine 4 hrly, USG abdomen, S.Electro lytes
10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
40000 Oxygen, I.V
fluids,
Antibiotics (Inj.
Meropenem,
Inj. Ofloxacin)
Inotropes,
(Dobutamine, Dopamine)
peritoneal
dialysis, Inj.
Calcium,
Mechanical ventilation, Inj.
Midazolam
infusion.
841 Pediatric Ic Care
Endocrine
Diabetic Ketoacidosis Inv - Serial ABG, Blood
sugar 4 hrly, Serum Electro lytes, CVP monitoring
8 days
PICU stay with post treatment evidence for
Clin ical Improvement with biochemical
parameters
30000 Oxygen, I.V
fluids,
Antibiotics
(Inj.
Piperacillin Tazobactum,
Inj.
Tobramycin),
Inotropes
(Dobutamine,
~ 128 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Dopamine)
Calcium,
Insulin
infusion.
842 Pediatric Ic Care
Infection
Septic shock Inv - Serial ABG, Blood sugar 4
hrly, EEG, USG abdomen, CT scan Brain, Echo,
ECG, Blood culture, X-Ray Chest, CRP 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
50000 Oxygen, I.V
fluids, Inj. Meropenem,
Inj.
Vancomycin,
Anticonvulsant
s (Inj. Lorazepam,
Inj. Phenytoin,
Inj.
Phenobarbitone
), Inotropes (Dobutamine,
Dopamine,
Adrenaline,
noradrenaline,
Milrinone). Mechanical
ventilation, Inj.
Midazolam
infusion, TPN.
843 Pediatric Ic Care
Toxicology
Snake bite requiring ventilatory assistance Inv -
Serial ABG, S. Electro lytes, Blood sugar 4 hrly,
EEG, CT scan Brain with 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with biochemical
parameters
50000 Oxygen, I.V
fluids, Inj.
Meropenem,
Inj. Vancomycin,
Anticonvulsant
s (Inj.
Lorazepam,
Inj. Phenytoin, Inj.
Phenobarbitone
), Inotropes
(Dobutamine,
Dopamine, Adrenaline,
noradrenaline,
Milrinone).
Mechanical
ventilation, Inj. Midazolam
infusion,
antisnake
venom
844 Pediatric Ic Care
Toxicology
Scorpion sting with myocardit is and cardiogenic
shock requiring ventilatory Assistance Inv - Serial
ABG, Blood sugar 8 hrly, Echo, ECG, CVP
monitoring, arterial blood pressure 10 days
PICU stay with post treatment evidence for
Clin ical Improvement with lab investigations
25000 Oxygen, I.V
fluids, Inj.
Meropenem,
Inj. Vancomycin,
Inotropes
(Dobutamine,
Dopamine,
Adrenaline, noradrenaline,
Sodium
nitroprusside),
~ 129 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Mechanical
ventilation, Inj.
Midazolam
infusion, antiscorpion
venom
845 Pediatric Ic Care
Toxicology
Poison ingestion/ aspiration requiring ventilatory
assistance Inv - Serial ABG, Blood sugar 8 hrly ,
Echo, X-Ray Chest, ECG, CVP monitoring,
arterial blood pressure 7 days
PICU stay with post treatment evidence for
Clin ical Improvement with biochemical
parameters
40000 Oxygen, I.V
fluids, Mechanical
ventilation, Inj.
Midazolam
infusion,
Inotropes (Dobutamine,
Dopamine),
specific
antidote
846 Gen Paediatrics
Respiratory
Acute Broncho/ lobarpneumonia with empyema/
pleural effusion Inv - X-Ray, Pus culture, Blood
Culture 14 days stay with post treatment evidence
of X-Ray Chest
20000 IV fluids,
oxygen, IV
Antibiotics
(Amoxycillin clavulanate or
ceftriaxone,
Amikacin,
vancomycin),
Oral antibiotics,
Nebulisations,
ICD chest
drain, chest
physiotherapy, Mechanical
ventilation if
required and
oral antibiotics/
Anti tubercular drugs after
discharge
847 Gen Paediatrics
Respiratory
Acute Broncho/ lobarpneumonia with pyo
pneumothorax Inv - X-Ray, Pus culture, Blood
Culture 14 days stay with post treatment evidence
of X-Ray Chest
20000 IV fluids, oxygen, IV
Antibiotics,
Nebulisations,
ICD chest
drain, chest physiotherapy,
Mechanical
ventilation if
required and
oral antibiotics/ Anti tubercular
drugs after
discharge
848 Gen Paediatrics CVS Congenital heart disease with congestive cardiac
failure Inv - X-Ray, 2D Echo, ECG, Serial ABG 7
days stay with post treatment evidence of X-Ray
Chest, 2D Echo, ECG
15000 IV fluids, oxygen, IV
Antibiotics
(Ceftriaxone,
Amikacin or
ofloxacin), Nebulisations,
diuretics,
~ 130 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Digoxin and
mechanical
ventilation.
849 Gen Paediatrics CVS Acquired heart disease with congestive cardiac
failure Inv - X-Ray, 2D Echo, ECG, Serial ABG 7
days stay with post treatment evidence of X-Ray
Chest, 2D Echo, ECG
15000 IV fluids,
oxygen, IV Antibiotics
(ceftriaxone,
Amikacin or
ofloxacin),
Nebulisations, diuretics, Ace
inhibitors,
Digoxin and
mechanical
ventilation.
850 Gen Paediatrics CVS Viral Myocarditis Inv - X-Ray, 2D Echo, ECG 7
days stay with post treatment evidence of 2D
ECHO , ECG , X-Ray Chest
15000 IV fluids,
oxygen, IV
Antibiotics (ceftriaxone,
Amikacin or
ofloxacin),
diuretics,
inotropes and steroids
851 General Paediatrics
Renal
Steroid Resistant Nephrotic syndrome
Complicated or Resistant Inv - Renal biopsy,
Electrolytes, Urea, creat inine, Urine exam, X-Ray
Chest 2 weeks stay with post treatment evidence
of RFT
25000 Antibiotics
ceftriaxone,
Amikacin or ofloxacin),
Antihypertensi
ve, Diuretics.
Immunosuppressive, pleural
tap/ascitic tap
852 General Paediatrics
Renal
Urinary tract infection with complications like
pyelonephritis and renal failure Inv - MCUG
(Micturating cysto urethrogram), Urine fo r Culture
and Sensitivity, Ultrasound 10 days stay with post
treatment evidence of Urine Culture and USG
15000 IV fluids,IV
Antibiotics (Amoxycillin
clavulanate,
ceftriaxone,
Amikacin or
ofloxacin paracetamol,
oral antibiotics
(Amoxycillin
clavulanate,
cefixime). Dialysis.
853 General Paediatrics
Renal
Acute Renal Failu re RFT, Serum Electrolytes, C3,
C1, Complement levels, Collagen Vascular profile
10 days stay with post treatment evidence of RFT
10000 Antibiotics,
Antihypertensive, Diuretics
Supportive
Management,
Haemo or
Peritoneal dialysis
854 General Paediatrics
Renal
Acute Renal Failu re with dialysis Inv - RFT,
Serum Electrolytes, C3, C1, Complement levels,
Collagen Vascular profile 10 days stay with post
treatment evidence of RFT.
20000 Antibiotics,
Antihypertensive, Diuretics
Supportive
Management,
Haemo or
~ 131 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Peritoneal
dialysis
855 General Paediatrics
Severe anaemia
Thalassemia Major requiring chelation Therapy
Inv - Hb electrophoresis, Osmotic frag ility test,
Serum Ferrit in 7 days stay with post treatment
evidence of Clin ical and Haematological
Improvements
Up
to 20000
Blood
transfusion., Chelating
Agents (Oral or
Parenteral)
856 General Paediatrics
Severe anaemia
Haemophilia including Inv - Von Will brands
Coagulation studies and Factor analysis 7 days
stay with post treatment evidence of Clinical and
Haematological Improvements
20000 Blood and
Blood
products,
Factor concentrate
857 General Paediatrics
Severe anaemia
Anaemia o f unknown cause Inv - Hb
electrophoresis, bone marrow examination,
Hierogram 5 days stay with post treatment
evidence of Clin ical and Haematological
Improvements
Up
to 10000
Bloods
transfusion, Haematinics
etc., IV fluids
858 General Paediatrics
Infections
Pyogenic meningitis Inv - CSF Analysis & CT-
Scan Brain, Blood Culture, X-Ray Chest with post
10 days stay with post treatment evidence of
Repeat CSF
35000 IV fluids, IV
antibiotics
(Amoxycillin
clavulanate, ceftriaxone,
Amikacin or
ofloxacin,
vancomycin), Paracetamol,
IV
dexamethasone
for below 5 yr.
old children, Anticonvulsant
s (midazolam
or lorazepam,
Phenobarbitone
or Phenytoin), Ventilatory
Support.
859 General Paediatrics
Infections
Neuro tuberculosis Inv - CT-Scan Brain CSF
ADA analysis, X-Ray Chest 12 days stay with
post treatment evidence of Clinical and lab
investigation
10000
+ DOTS
Rx free
IV fluids, Naso
gastric feeds, IV antibiotics
anti tubercular
therapy,
Paracetamol,
IV Mannitol, Anticonvulsant
s (midazolam
or lorazepam,
Phenobarbitone
or Phenytoin), IV
dexamethasone
and oral
steroids,
Mechanical Ventilatory
Support.
~ 132 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
860 General Paediatrics
Infections
Neuro tuberculosis with ventilation Inv - ABG,
CT-Scan Brain CSF ADA analysis 12 days stay
with post treatment evidence of Clinical and lab
investigation
20000
+ DOT
SRx free
IV fluids, Naso
gastric feeds,
IV antibiotics
anti tubercular therapy,
Paracetamol,
IV Mannitol,
Anticonvulsant
s (midazolam or lorazepam,
Phenobarbitone
or Phenytoin),
IV
dexamethasone and oral
steroids,
Mechanical
Ventilatory
Support.
861 General Paediatrics
Infections
Suspected Dengue shock syndrome with
thrombocytopenia Inv – Platelet count and
serology with post treatment evidence of platelet
transfusion and clinical photograph
20000 IV fluids,
Inotrpopes,
Platelet transfusion and
supportive
treatment.
862 General Paediatrics
Infections
Cerebral Malaria (Falciparum) Inv - CSF analysis,
Parasite F Test and QBC, Electro lytes, ABG 7
days stay with post treatment evidence of Clin ical
and lab investigation
10000 IV fluids, IV
antibiotics
ceftriaxone,
Amikacin,
ofloxacin), Oral
chloroquine or
IV quinine or
IV artesunate,
Paracetamol, mefloquine,
blood and
platelet
transfusion,
mechanical ventilation
863 General Paediatrics
Neurology
Convulsive Disorders/Status Epilepticus (Fits) Inv
- EEG, CT Electrolytes, Bl. Sugar, S.calcium,
Phosphorous 7 days stay with post treatment
evidence of clinical and lab investigation
10000 Anticonvulsant
s, IV fluids, Oxygen,
ventilator
864 General Paediatrics
Neurology
Stroke Syndrome Inv - CT, Angiogram, EEG, 2D
Echo 14 days stay with post treatment evidence of
clin ical and lab investigation
20000 Oxygen, IV Fluids, Anti
Epieptics, Low
Molecular,
heparin
865 General Paediatrics
Neurology
Encephalit is / Encephalopathy Inv - CSF, CT 10
days stay with post treatment evidence of clin ical
and lab investigation
15000 IV fluids,
Mannitol,
Anticonvulsan
ts, Acyclovir, Inj. Ventilator
care
866 General Paediatrics
Neurology
Guillian-Barre Syndrome Inv - CSF Analysis,
ENMG Nerve Conduction studies, ABG 15 days
stay with post treatment evidence of clinical and
lab investigation
60000 Immunoglobulin, IV fluids,
ventilary and
supportive
care,
~ 133 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
Physioherapy
867 Card iology Acute MI (Conservative Management without
Angiogram) Inv - ECG, CPKMB, Troponin, 2D
Echo 1 week stay with post treatment evidence of
ECG, 2D Echo, Lab Investigations
20000 Medical
868 Card iology Acute MI (Conservative Management with
Angiogram) Inv - ECG, CPKMB, Troponin, 2D
Echo, Coronary Angiography 1 week stay with
post treatment evidence of ECG, 2D Echo, Lab
Investigations
30000 Medical
869 Card iology Acute MI with Card iogenic Shock Inv - ECG,
CPKMB, Troponin, 2D Echo, Coronary
Angiography 2 weeks stay with post treatment
evidence of ECG, 2D Echo, Lab Investigations
30000 Medical
870 Card iology Acute MI requiring IABP Pump Inv - ECG,
CPKMB, Troponin, 2D ECHO, Coronary
angiography 3 weeks stay with post treatment
evidence of ECG, 2D Echo, Lab Investigations
50000 Medical
871 Card iology Refractory Cardiac Failure Inv - ECG, CPKMB,
Troponin, 2D Echo, Coronary Angiography 2
weeks stay with post treatment evidence of ECG,
2D Echo, Lab Investigations
50000 Medical
872 Card iology Infective Endocarditis Inv - ECG, 2D Echo, Blood
C/S 5 days stay with post treatment evidence of
ECG, 2D Echo, Lab Investigations
25000 MEDICAL
873 Card iology Pulmonary Embolis m Inv - MRI/doppler 5 days
stay with post treatment evidence of ECG, 2D
Echo, Lab Investigations
30000 MEDICAL
874 Card iology Complex Arrhythmias Inv - ECG, Doppler, 3
days stay with post treatment evidence of ECG,
2D Echo, Lab Investigations
95000 Cartoguided
875 Card iology Simple Arrhythmias Inv - ECG doppler 3 days
stay with post treatment evidence of ECG, 2D
Echo, Lab Investigations
70000 Focus
Ablation
876 Card iology Pericardial Effusion Tamponade Inv - Doppler 1
week stay with post treatment evidence of ECG,
2D Echo, Lab Investigations
25000 Aspiration
877 Nephrology Acute Renal Failu re-(ARF) Inv - LFT, S. Protein,
Calcium, Phosphate, uric acid, Electrolytes, Urine
protein, USG, ECG, 2D Echo, HIV, HCD, HbSAg
10 days stay in MICU with post treatment
evidence of RFT and other lab investigation
Dialysis chart
20000 Dialysis and
supportive
therapy
878 Nephrology Nephrotic Syndrome Inv - LFT, Serum protein,
Serum electrolytes, 24 hours urine, Urine protein,
Chest X-Ray, Biopsy report, USG, ECG, HIV,
HCG, HBSAg, ANA/dsDNA, BTCT 4 Days stay
with post treatment evidence of RFT and other
lab investigation
15000 Immunosuppre
ssive RX
879 Nephrology Rapid ly progressive Renal Failure (RPRF) Inv - S.
Renal Chemistry 10 days stay with post treatment
evidence of RFT and other lab investigation
35000 Medicines,
Steroids parenteral
~ 134 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
880 Nephrology Chronic Renal Failure 1 (CRF ) Inv - LFT, S.
Protein, S. Ca, S. Po4, S. u ric acid, A lb/Globulin
ratio S. electro lytes, 24 hrs. urine, Spot Urine
/Creatin ine ratio, Chest X-ray, USG, ECG, HIV,
HCV, HbSAg, 2D Echo 5 days stay with post
treatment evidence of RFT and other lab
investigation
15000 Initial
treatment
and Dialysis
and supportive therapy
881 Nephrology Maintenance Haemodialysis for CRF Inv - LFT,
S. Protein, S. Ca, S. Po4, S. u ric acid,
Alb/Globulin ratio S. electrolytes, 24 hrs. urine,
Spot Urine /Creatinine ratio, Chest X-ray, USG,
ECG, HIV, HCV, HbSAg, 2D Echo 1 day stay per
dialysis with post treatment evidence of RFT and
other lab investigation
10000
month
Dialysis and
supportive
therapy
(Minimum of 8 dialysis)
882 Neurology ADEM or Relapse in Multiple sclerosis Inv - MRI
Brain & Spinal cord (3 sites) Plain and contrast,
CSF analysis, Evoked Potentials, CSF Monoclonal
Bands, HIV Profile 15 days stay with post
treatment evidence of Clin ical and Lab
Investigations
20000 Inj.
Methylprednis
olone,
supportive care,
ventilatory
support if
necessary, antacids and
vitamin
supplementatio
n,
physiotherapy + Oral steroids
for 4 weeks
883 Neurology CIDP Inv - NCS, EMG, CSF analysis, Serum
Protein electrophoresis, Nerve Biopsy 10 days
stay with post treatment evidence of Clinical and
Lab Investigations
8000 Oral steroids,
azathioprine, vitamin
supplementatio
n,
physiotherapy
884 Neurology Haemorrhagic Stroke/Strokes Inv - CT Brain /
MRI Brain / MRV / MRA, ECG,
Echocardiography, Carotid and vertebral Doppler
etc. special tests for Evaluation of cause, 4-vessel
cerebral angio if necessary (DSA), lipid profile 15
days stay with post treatment evidence of Clin ical
and Lab Investigations
25000 antihypertensiv
e, antidiabetics,
Antacids,
Mannitol IV, IV fluids as
necessary,
Surgery if
necessary
885 Neurology Ischemic Strokes Inv - CT Brain / MRI Brain /
MRV / MRA, ECG, Echocardiography, Carotid
and vertebral Doppler etc. special tests for
Evaluation of cause, 4-vessel cerebral angio if
necessary (DSA), lipid profile 15 days stay with
post treatment evidence of Clinical and Lab
Investigations
20000 Antihypertensi
ve, Antidiabetics,
Aspirin +
Clopidogrel,
Antacids,
Mannitol IV, Heparanoids
for 5 days, IV
fluids as
necessary,
Surgery in some cases
~ 135 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
886 Neurology Myopathies - Acquired NCS, Inv - EMG, Serum
CPK, Serum Calcium, Phosphate and alkaline
phosphatase, endocrine evaluation, Muscle Biopsy
15 days stay with post treatment evidence of
Clin ical and Lab Investigations
15000 Prednisolone +
Azathioprine,
Calcium
supplementation, vitamin
supplementatio
n, Endocrine
therapy.
887 Neurology NEUROINFECTIONS - Fungal Meningit is Inv -
CT brain, MRI brain scan, CSF analysis, cell
count, ADA, culture, CSF serology for
tuberculosis antigens, Fungal studies Min 20 days
- ICU, 40 days - ward stay with post treatment
evidence of Clin ical and Lab Investigations
40000 Antacids,
Mannitol IV,
steroids,
Antifungal drugs, IV
fluids as
necessary
888 Neurology NEUROINFECTIONS - Pyogenic Meningitis Inv
- CT brain, MRI brain scan, CSF analysis, cell
count, ADA, culture Min 10 days - ICU, 7 days -
ward stay with post treatment evidence of Clinical
and Lab Investigations
25000 Antacids,
Mannitol IV,
steroids,
Higher
Antibiotics, IV fluids as
necessary,
Surgery if
necessary
889 Neurology NEUROINFECTIONS - Viral
Meningoencephalitis (Including Herpes
encephalitis) Inv - CT brain, MRI brain scan, CSF
analysis, cell count, ADA, culture, CSF antibodies
for HSV Min 10 days - ICU, 7 days - ward stay
with post treatment evidence of Clinical and Lab
Investigations
25000 Antacids,
Mannitol IV,
methyl
prednisolone, Acyclovir, IV
fluids as
necessary
890 Neurology Neuromuscular (myasthenia gravis) Inv - RNS /
CT chest / CT abdomen, Neostigmine test, thyroid
profile 15 days stay with post treatment evidence
of Clinical and Lab Investigations
15000 Prednisolone +
Neostigmine +
Calcium
supplementations,
Azathioprine,
(Surgery for
thymoma),
Ventilatory care if
necessary
891 Neurology Neuropathies (GBS) Inv - NCS / EMG (1000),
Nerve Biopsy (2000), CSF analysis 10 days - ICU
20 days - Ward stay with post treatment evidence
of Clinical and Lab Investigations
35000 Inj.
Methylprednisolone,
supportive
care,
ventilatory
support if necessary,
antacids and
vitamin
supplementatio
n, physiotherapy
892 Neurology Optic neurit is Inv - MRI Brain & Optic nerves,
VEPs, CSF analysis 3 days stay with post
treatment evidence of Clin ical and Lab
Investigations
10000 Inj.
Methylpredni
solone,
antacids and
vitamin
supplementati
~ 136 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
on + oral
steroids for 2
weeks
893 Neurology Immunoglobulin Therapy - IV Investigations
indicative of d iseases 5 days stay with post
treatment evidence of Clin ical and Lab
Investigations
100000 In several life
threatening
diseases i.e.
rapidly
progressive
GBS, CIDP,
Myasthenia,
Multiple
sclerosis, etc.
894 Pulmonology Bronchiectasis requiring hospitalisation Inv - HR
CT - Chest, spirometry, FOB (Fiberoptic
Bronchoscopy), IgE, Sputum culture / drug
susceptibility 10 days stay with post treatment
evidence of Clin ical and Lab Investigations
20000 According to
International
Guide lines
895 Pulmonology Lung Abscess, non resolving Inv - CT Scan Chest,
FOB, Pus C/S 10 days stay with post treatment
evidence of Clin ical and Lab Investigations
15000 Antibiotics,
Bronchial
toilet
896 Pulmonology Pneumothorax
(Large/Recurrent) HRCT Inv - Chest , VATS 10
days stay with post treatment evidence of Clin ical
and Lab Investigations
35000 Thoracostom
y + oxygen +
antimicrobial
s, pleuredesis,
MICU
897 Pulmonology Interstitial Lung diseases Inv - Sp irometry, HRCT
Chest, Collagen Profile, Bronchoscopy, 2D Echo
10 days stay with post treatment evidence of
Clin ical and Lab Investigations
30000 Steroids,
antimicrobial,
MICU
898 Pulmonology Pneumoconiosis Inv - Spirometry, HRCT Chest,
Collagen Profile, Bronchoscopy, 2D Echo 10 days
stay with post treatment evidence of Clinical and
Lab Investigations
25000 Medical
Management,
MICU
899 Pulmonology Acute Respiratory Failure (without ventilator) Inv
- Serum Electrolytes, ABG, ECG, 2D Echo,
Bronchoscopy, Sputum / Bronchial Washing / ET
Suctions for Analysis 10 days stay with post
treatment evidence of Clin ical and Lab
Investigations
25000 Oxygen,
Antimicrobial
s, Supportive
therapy in
MICU
900 Pulmonology Acute Respiratory Failure (with ventilator) Inv -
Serum Electrolytes, ABG, ECG, 2D Echo,
Bronchoscopy, Sputum / Bronchial Washing / ET
Suctions for Analysis 10 days stay with post
treatment evidence of Clin ical and Lab
Investigations
50000 Oxygen,
Antimicrobial
s, Supportive
therapy in
MICU
901 Dermatology Pemphigus / Pemphigoid Tzanck Inv - Smear Skin
Biopsy HPE DIF Clinical Protocol 15 days stay
with post treatment evidence of Clinical and Lab
Investigations
25000 IV Fluids
IV
Antibiotics
IV Steroids
Pulse therapy
~ 137 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
902 Dermatology Toxic ep idermal necrolysis Inv - LFT, Blood -
culture, urine Culture, Skin swab, USG abdomen
Skin biopsy - HPE, Echo - Card iogram 15 days
stay with post treatment evidence of Clinical and
Lab Investigations
30000 IV Fluids
IV
Antibiotics
IV Steroids
903 Dermatology Stevens- Johnson Syndrome Inv - LFT, Blood -
culture, urine Culture, Skin swab, USG abdomen
Skin biopsy - HPE, Echo - Card iogram 15 days
stay with post treatment evidence of Clinical and
Lab Investigations
20000 IV Fluids
IV
Antibiotics
IV Steroids
904 Rheumatology SLE (SYSTEMIC LUPUS ERYTHEMATOSIS)
Inv - dSDNA, ACL ANTIBODIES, ANA
PROFILE, KIDNEY
BIOPSY, HRCT,
24 Hrs URINARY PROTEIN, ENANTIGEN 10
days stay with post treatment evidence of Clinical
and Lab Investigations
15000 As per
American
College of
Rheumatolog
y Guidelines.
905 Rheumatology SLE with Sepsis Inv - dSDNA, ACL Antibodies,
ANA
Profile, Kidney
biopsy, HRCT,
24 Hrs urinary protein, ENAntigen, Blood culture
/ proof of sepsis 4 weeks stay with post treatment
evidence of Clin ical and Lab Investigations
50000 As per
American
College of
Rheumatolog
y Guidelines.
906 Rheumatology SCLERODERMA Inv - Renal doppler, 2D
ECHO, Skin biopsy HPE Report, ANAProfile 7
days stay with post treatment evidence of Clin ical
and Lab Investigations
15000 As per
American
College of
Rheumatolog
y Guidelines.
907 Rheumatology MCTD Mixed Connective Tissue Disorder Inv -
CPK, LDH, ENMG, MRI of muscles, MRI of
hands, kidney biopsy 24 Hrs urinary p rotein 7
Days stay with post treatment evidence of Clin ical
and Lab Investigations
15000 As per
American
College of
Rheumatolog
y Guidelines.
908 Rheumatology PRIMARY
SJOGREN'S
SYNDROME Inv - 24 Hrs Urinary protein , ABG,
USG Abdomen 7 Days stay with post treatment
evidence of Clin ical and Lab Investigations
15000 As per
American
College of
Rheumatolog
y Guidelines.
909 Rheumatology VASCULITIS Inv - CANCA, pANCA, ANA
profile 10 days stay with post treatment evidence
of Clinical and Lab Investigations
10000 As per
American
College of
Rheumatolog
y Guidelines.
910 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Pyelonephritis Inv - Urine C/S, USG 10 days stay
with post treatment evidence of Clinical and Lab
Investigations
20000 IV fluids
911 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Lower Respiratory tract in fection Inv - CXR,
Sputum C/S 10 days stay with post treatment
evidence of Clin ical and Lab Investigations
20000 Insulin
~ 138 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
912 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Fungal sinusitis Inv - CT PNS 10 days stay with
post treatment evidence of Clinical and Lab
Investigations
40000 IV & Oral
antibiotics
913 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Cholecystitis Inv - USG, CT Abd 10 days stay
with post treatment evidence of Clinical and Lab
Investigations
25000 Antibiotics
and
Supportive
Therapy
914 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Cavernous sinus thrombosis Inv - MRI,
Venogram, Twice 10 days stay with post treatment
evidence of Clin ical and Lab Investigations
40000 IV & Oral
antibiotics
915 Endocrinology
Uncontrolled
Diabetes Mellitus
With Infectious
Emergencies
Rhinocerebral mucormycosis Inv - CT-Scan,
(Brain PNS Chest, Abdomen) when necessary 10
days stay with post treatment evidence of Clin ical
and Lab Investigations
40000 IV
antifungals
916 Other Endocrinal
disorders
Hypopitutarism Inv - T3 T4 TSH, basal cortisol
post-act cortisol, GH stimulat ion test, FSH, LH,
Testosterone or Estradiol GH stimulat ion test 1 yr.
needed MRI pic v isual field water deprivation test
1 yr. needed 1 week stay with post treatment
evidence of Clin ical and Lab Investigations
100000 Hormone
Therapy for
three months
917 Other Endocrinal
disorders
Pituitary - Acromegaly Inv - Post glucose on
assay, prolactin, t3 t4 TSH, Basal cortisol cost
ACTH, FSH / LH, testosterone / estriol, water
deprivation test (if needed), MRI co lonoscopy if
needed, Visual field, 2D ECHO 1 week stay with
post treatment evidence of Clinical and Lab
Investigations
15000 Hormone
Therapy for
three months
918 Other Endocrinal
disorders
CUSHINGs Syndrome Inv - Cortisol assay after
dexamethasone, ACTH assay, DHEAS, MRI
pituitary CTABD, CT Chest, Dexa of Hip spine 1
week stay with post treatment evidence of Clinical
and Lab Investigations
30000 Diabetes
mellitus
drugs,
Hypertension,
Osteoporosis,
infection with
antibiotics +
surgery
919 Other Endocrinal
disorders
Delayed Puberty Hypogonadism (ex.Turners synd,
Kleinfelter synd) Inv - FSH, LH, testosterone,
estradiol, USG pelvis karyotyping, T4 TSH S-ray
bone age, X-ray skull, MRI brain DEXA 2D echo
5 days stay with post treatment evidence of
Clin ical and Lab Investigations
12000 Inj
Testosterone
250mg / 3
wks., oc p ills
920 Gastroenterology Corrosive Oesophageal injury Inv - Barium
swallow 7 days stay with post treatment evidence
of Barium swallow
20000 Endoscopic
dilatation -
video / photo
Medical
treatment,
MICU stay
~ 139 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
921 Gastroenterology Oesophageal foreign body Inv - X-Ray one day
stay with post treatment evidence of Endoscopic
Photograph
5000 Foreign body
removal -
photo of the
procedure
922 Gastroenterology Oesophageal perforation Inv - CT scan thorax, &
abdomen, Barium swallow 7 days stay with post
treatment evidence of CT Abdomen
25000 Conservative,
MICU stay
923 Gastroenterology Achalasia cardia Inv - UGI endoscopy / Barium
swallow one day stay with post treatment evidence
of Endoscopic Photograph
7000 Dilatation,
Botulinum,
Taxim Inj.
924 Gastroenterology Oesophageal Varices, variceal banding Inv - UGI
endoscopy one day stay with post treatment
evidence of Endoscopic Photograph
10000 Endoscopic
variceal
banding
925 Gastroenterology Oesophageal Varices, sclerotherapy Inv - UGI
endoscopy one day stay with post treatment
evidence of Endoscopic Photograph
5000 Endoscopic
sclerotherapy
injection
926 Gastroenterology Oesophageal Fistula Inv - CT Thorax,
Gastrograffin contrast picture 3 days stay with
post treatment evidence with post treatment
evidence of Photograph of stent in position
30000 Covered
esophageal
stent, MICU
927 Gastroenterology GAVE (Gastric Antral Vascular Ectasia) Inv -
UGI Endoscopy 2 days stay with post treatment
evidence of Endoscopic Photograph
20000 Medical +
Argon Laser
Coagulation
928 Gastroenterology Gastric varices Inv - UGI Endoscopy 3 days stay
with post treatment evidence of Endoscopic
Photograph
15000 MICU,
Endoscopic
Glue
Injection
929 Gastroenterology Acute pancreatitis (Mild) Inv - USG abdomen, S.
Amylase, S. Electrolytes, Ranson's Scoring 1
week stay with post treatment evidence of USG,
Lab Investigation
Up to
75000
MICU
930 Gastroenterology Acute pancreatitis (severe) Inv - CT Abdomen, S.
Amylase, EUS, RFT, LFT S. Electrolytes,
Ranson's Scoring, CXR, ABG 3 weeks stay with
post treatment evidence of USG, Lab Investigation
Up to
150000
MICU
931 Gastroenterology Acute pancreatitis with pseudocyst (infected) Inv -
CT Scan abdomen, EUS, Post Procedure USG 3
weeks stay with post treatment evidence of USG,
Lab Investigation
Up to
30000
Endoscopy
drainage,
Percutaneous
drainage,
surgical
drainage +
MICU
932 Gastroenterology Chronic pancreatit is with severe pain Inv - EUS,
CT Scan, Abdomen, ERCP / MRCP 7 days stay
with post treatment evidence of Lab Investigation
Up to
20000
Conservative,
ERCP +
Stenting,
ERCP, EUS
guided,
Celiac
ganglion
block, MICU
933 Gastroenterology Obscure GI beed Inv - BMFT, Capsule
Endoscopy, Enteroscopy biopsy 1 week stay with
post treatment evidence of Endoscopic photograph
50000 Argon Laser
Rx
~ 140 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
934 Gastroenterology Cirrhosis with Hepatic Encephalopathy Inv - UGI
Endoscopy, Axcitic fluid analysis 11 days stay
with post treatment evidence of Lab Investigation
30000 EVL-EST,
MICU 10
days
935 Gastroenterology Cirrhosis with hepato renal syndrome Inv -
Reports of Serum Chemistry 10 days stay with
post treatment evidence of Lab Investigation
40000 Medical,
EVL-EST,
MICU 10
days
936 Gastroenterology Biliary structure 1) Post op stent Inv - EUS,
MRCP, ERCP, PTBD 7 days stay with post
treatment evidence of Radiolog ical & endoscopic
image
50000 Medical,
biliary stent
937 Gastroenterology Biliary structure 2) Post op leaks Inv -
EUS, MRCP, ERCP, PTBD 7 days stay with post
treatment evidence of Radiolog ical & endoscopic
image
75000 Medical,
biliary stent
938 Gastroenterology Biliary structure 3) Sclerosing cholangitis
Inv - EUS, MRCP, ERCP, PTBD 7 days stay with
post treatment evidence of Radiological &
endoscopic image
75000 Medical,
biliary stent
939 Interventional
Radio logy
Embolizat ion of AV malformat ion of peripheral
extremity, craniofascial and visceral per sitting
Post procedure evidence of Clin ical photograph
and Radiographic image
90000
940 Interventional
Radio logy
Inferior vena cava stenting single stent Post
procedure evidence of Clin ical photograph and
Radiographic image
125000
941 Interventional
Radio logy
Hepatic vein Stenting in Budd - Chiari Syndrome
single stent Post procedure evidence of Clin ical
photograph and Radiographic image
125000
942 Interventional
Radio logy
Acute stroke thrombolysis with rTPA Post
procedure evidence of Clin ical photograph and
Radiographic image
100000
943 Interventional
Radio logy
Renal artery embolization with multiple coils and
microcatheter Post procedure evidence of Clin ical
photograph and Radiographic image
100000
944 Interventional
Radio logy
Cortical venous sinus thrombolysis Post procedure
evidence of Clin ical photograph and Radiographic
image
100000
945 Interventional
Radio logy
Deep venous thrombolysis for DVT with IVC
filter Post procedure evidence of Clinical
photograph and Radiographic image
125000
946 Interventional
Radio logy
Subclavian, Iliac, Superficial Femoral artery
stenting each with one stent Post procedure
evidence of Clin ical photograph and Radiographic
image
125000
947 Interventional
Radio logy
Tibial angioplasty in critical limb ischemia Post
procedure evidence of Clin ical photograph and
Radiographic image
120000
948 Interventional
Radio logy
Mesenteric artery angioplasty & stenting in acute
& chronic mesenteric ischemia - Single stent Post
procedure evidence of Clin ical photograph and
Radiographic image
110000
~ 141 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
949 Interventional
Radio logy
Gastrointestinal visceral arterial embolization in
upper and lower gastrointestinal bleeding with
microcatheter Post procedure evidence of Clin ical
photograph and Radiographic image
100000
950 Interventional
Radio logy
Bronchial Artery Embolizat ion in hemoptysis
using PVA and micro catheter Post procedure
evidence of Clin ical photograph and Radiographic
image
60000
951 Interventional
Radio logy
Radiofrequency Tumor Ablat ion Therapy Post
procedure evidence of Clin ical photograph and
Radiographic image
120000
952 Interventional
Radio logy
Embolizat ion of postoperative and post traumatic
bleeding Post procedure evidence of Clinical
photograph and Radiographic image
100000
953 Interventional
Radio logy
Inferior Vena Cava Filter placement Post
procedure evidence of Clin ical photograph and
Radiographic image
100000
954 Interventional
Radio logy
Biliary drainage procedures - External drainage
and stent placement - Single metallic stent Post
procedure evidence of Clin ical photograph and
Radiographic image
100000
955 Interventional
Radio logy
Nephrostomy tube and nephroureteral stent
placement Post procedure evidence of Clinical
photograph and Radiographic image
60000
956 Interventional
Radio logy
Uterine artery embolization in severe Menorrhagia
secondary to PPH, uterine fibroids and AVM Post
procedure evidence of Clin ical photograph and
Radiographic image
80000
957 Interventional
Radio logy
Intra-arterial thrombolysis for acute ischemic
limbs Post procedure evidence of Clin ical
photograph and Radiographic image
100000
958 Interventional
Radio logy
Permanent tunnelled catheter placement as
substitute for AV Fistula in long term d ialysis Post
procedure evidence of Clin ical photograph and
Radiographic image
40000
959 Interventional
Radio logy
Central Venous stenting for Central venous
occlusion ( Brachiocephalic, subclavian vein and
sup Vena cava) Single metallic stent Post
procedure evidence of Clin ical photograph and
Radiographic image
125000
960 Interventional
Radio logy
Endovascular intervention for salvaging
hemodialysis AV fistula Post procedure evidence
of Clinical photograph and Radiographic image
120000
961 Interventional
Radio logy
Balloon Retrograde Transvenous obliteration of
bleeding gastric varices ( BRTO) Post procedure
evidence of Clin ical photograph and Radiographic
image
100000
962 Interventional
Radio logy
Preoperative portal vein embolizat ion for liver
tumors Post procedure evidence of Clinical
photograph and Radiographic image
100000
963 Interventional
Radio logy
Chemo embolization for liver tumors using drug
and PVA or DC beads Post procedure evidence of
Clin ical photograph and Radiographic image
100000
~ 142 ~ Signature & stamp of Insurance Agency
972 procedures
Sr
No
Specialty SYSTEM Indicativ
e Rate &
Upper
ceiling
(Rs.)
964 Interventional
Radio logy
Percutaneous vertebro plasty/ cementoplasty (for
each level) Post procedure evidence of Clinical
photograph and Radiographic image
50000
965 Interventional
Radio logy
Trans jugular intrahepatic portosystemic shunt
(TIPSS) Post procedure evidence of Clinical
photograph and Radiographic image
150000
966 Interventional
Radio logy
Embolizat ion of Pulmonary AV Malformat ion
Post procedure evidence of Clin ical photograph
and Radiographic image
100000
967 Interventional
Radio logy
Preoperative Prophylactic tumor embolization
Post procedure evidence of Clin ical photograph
and Radiographic image
100000
968 Interventional
Radio logy
Embolizat ion of AV malformat ion of brain per
sitting with Onyx Post procedure evidence of
Clin ical photograph and Radiographic image
150000
969 Interventional
Radio logy
Carotid stenting single stent with protection device
Post procedure evidence of Clin ical photograph
and Radiographic image
150000
970 Interventional
Radio logy
Intracranial arterial and venous stenting Post
procedure evidence of Clin ical photograph and
Radiographic image
150000
971 Interventional
Radio logy
Peripheral stent graft for peripheral aneurysms and
AV Fistulae Post procedure evidence of Clinical
photograph and Radiographic image
150000
972 Interventional
Radio logy
Embolizat ion of Caratico-Cavernous Fistula Post
procedure evidence of Clin ical photograph and
Radiographic image
150000
~ 143 ~ Signature & stamp of Insurance Agency
APPENDIX 1 B
FOLLOW UP PACKAGE
Sr.
No. System
Package Rs.
Indicative
and upper
ceiling
First Instalment Rs. Indicat ive
and upper ceiling
Subsequent 3 Instalment Rs. Indicat ive
and upper
ceiling 1 Total Thyroidectomy 3000 1200 600
2 Portocaval Anastomosis Operation of Adrenal
10000 4000 2000
Operation of Adrenal
3 Glands bilateral 4000 1600 800
Splenorenal
4 Anastomosis 10000 4000 2000
5 Warren Shunt 10000 4000 2000
6 Spleenectomy + Devascularisation + Spleno Renal Shunt
10000 4000 2000
7 Lap - Pancreatic Necrosectomy 8000 3500 1500
8 Pancreatic Necrosectomy (open) 8000 3500 1500
9 Coronary Balloon Angioplasty 10000 4000 2000
10 Renal Angioplasty 10000 4000 2000
11 Peripheral Angioplasty 10000 4000 2000
12 Vertebral Angioplasty 10000 4000 2000
13 Coronary Bypass Surgery 10000 4000 2000
14 Coronary Bypass Surgery - post Angioplasty 10000 4000 2000
15 CABG with IABP Pump 10000 4000 2000
16 CABG with aneurismal repair 10000 4000 2000
17 With prosthetic Ring 10000 4000 2000
18 Without prosthetic Ring 10000 4000 2000
19 Open Pulmonary Valvotomy 10000 4000 2000
20 Closed mitral Valvotomy 10000 4000 2000
21 Mitral Valvotomy (open) 10000 4000 2000
22 Mitral Valve Replacement (with Valve) 10000 4000 2000
23 Aortic Valve Replacement (with Valve) 10000 4000 2000
24 Tricuspid Valve Replacement 10000 4000 2000
25 Double Valve Replacement (with Valve) 10000 4000 2000
26 Carotid Embolectomy 10000 4000 2000
27 Encephalocele 4000 1600 800
28 Surgeries On adrenal gland in children
29 Open pylolithotomy 2000 800 400
30 Open Nephrolithotomy 2000 800 400
31 Open Cystolithotomy 2000 800 400
32 Laparoscopic Pylolithotomy 2000 800 400
33 Cystolithotripsy 2000 800 400
34 PCNL 2000 800 400
~ 144 ~ Signature & stamp of Insurance Agency
Sr.
No. System
Package Rs.
Indicative
and upper
ceiling
First Instalment Rs. Indicat ive
and upper ceiling
Subsequent 3 Instalment Rs. Indicat ive
and upper
ceiling 35 ESWL 2000 800 400
36 URSL 2000 800 400
37 Endoscope Removal of Stone in Bladder 2000 800 400
38 Transurethral resection of prostate (TURP) 2000 800 400
39 TURP Cyst lithotripsy 2000 800 400
40 Open prostatectomy 2000 800 400
41 Craniotomy and Evacuation of Haematoma
Subdural
8000 3200 1600
42 Craniotomy and Evacuation of Haematoma Extradural
8000 3200 1600
43 Evacuation of Brain Abscess -burr hole 8000 3200 1600
44 Excision of Lobe (Frontal, Temporal,
Cerebellum etc.
8000 3200 1600
45 Excision of Brain Tumour Supratentorial 8000 3200 1600
46 Parasagittal 8000 3200 1600
47 Basal 8000 3200 1600
48 Brain Stem 8000 3200 1600
49 C P Angle Tumour 8000 3200 1600
50 other tumors 8000 3200 1600
51 Excision of Brain Tumour Subtentorial 8000 3200 1600
52 Ventriculoatrial/Ventriculoperitoneal Shunt 8000 3200 1600
53 Subdural Tapping 8000 3200 1600
54 Ventricular Tapping 8000 3200 1600
55 Abscess Tapping 8000 3200 1600
56 Vascular Malformations 8000 3200 1600
57 Peritoneal Shunt 8000 3200 1600
58 Atrial Shunt 8000 3200 1600
59 Meningo Encephalocele 8000 3200 1600
60 Meningo myelocele 8000 3200 1600
61 Ventriculo-Atrial Shunt 8000 3200 1600
62 Excision of Brain Abscess 8000 3200 1600
63 Aneurysm Clipping 8000 3200 1600
64 External Ventricular Drainage (EVD) 8000 3200 1600
65 Trans Sphenoidal Surgery 8000 3200 1600
66 Trans Oral Surgery 8000 3200 1600
67 Endoscopy Procedures 8000 3200 1600
68 Intra-cerebral Hematoma Evacuation 8000 3200 1600
69 Temporal Lobectomy 8000 3200 1600
70 Lesionectomy Type -1 8000 3200 1600
71 Lesionectomy Type -2 8000 3200 1600
~ 145 ~ Signature & stamp of Insurance Agency
Sr.
No. System
Package Rs.
Indicative
and upper
ceiling
First Instalment Rs. Indicat ive
and upper ceiling
Subsequent 3 Instalment Rs. Indicat ive
and upper
ceiling 72 Temporal Lobectomy Plus Depth Electrodes 8000 3200 1600
73 Stay in General Ward @Rs. 500day 8000 3200 1600
74 Stay in Neuro ICU @Rs. 4000day 8000 3200 1600
75 Surgical Treatment (Up to) 8000 3200 1600
FOLLOWUP PACKAGES - MEDICAL
Sr.
No. Disease Package First
Instalment
Subsequent
3 Instalment
1 Acute Severe Asthma with Acute respiratory
failure
10000 4000 2000
2 COPD Respiratory Failure (infective exacerbation)
10000 4000 2000
Term baby with persistent pulmonary
3 hypertension Ventilation -HFO 6000 3000 1000
hyperbilirubinemia Clinical sepsis
4 Term baby with seizures ventilated 5000 2000 1000
5 Acute Severe Asthma with (Ventilated ) 4000 1600 800
6 Infective Endocarditis 10000 4000 2000
7 Meningo- encephalitis (Non Ventilated) 6500 2000 1500
8 Meningo- encephalitis ( Ventilated) 6500 2000 1500
9 Status Epilepticus 6500 2000 1500
10 Intra Cranial bleed 6500 2000 1500
11 Congenital heart disease with congestive
cardiac failure
5000 2000 1000
12 Acquired heart disease with congestive cardiac failure
5000 2000 1000
13 Steroid Resistant Nephrotic syndrome
Complicated or Resistant
5000 2000 1000
14 Anaemia of unknown cause 5000 2000 1000
15 Pyogenic meningitis 5000 2000 1000
16 Neuro Tuberculosis 5000 2000 1000
17 Neuro Tuberculosis with ventilation 5000 2000 1000
18 Convulsive Disorders/Status Epilepticus (fits)
5000 2000 1000
19 Encephalitis/Encephalopathy 10000 4000 2000
20 Acute Myocardial infarction 10000 4000 2000
21 Infective Endocarditis 10000 4000 2000
22 Complex Arrythmias 10000 4000 2000
23 Nephrotic Syndrome 5000 2000 1000
24 ADEM or Relapse in Multiple- sclerosis 5000 2000 1000
25 CIDP 5000 2000 1000
26 Haemorrhagic Stroke/Strokes 5000 2000 1000
~ 146 ~ Signature & stamp of Insurance Agency
Sr.
No. System
Package Rs.
Indicative
and upper
ceiling
First Instalment Rs. Indicat ive
and upper ceiling
Subsequent 3 Instalment Rs. Indicat ive
and upper
ceiling 27 Ischemic Strokes 5000 2000 1000
28 NEUROINFECTIONS -fungal meningitis 5000 2000 1000
29 NEUROINFECTIONS - pyogenic
meningitis
5000 2000 1000
30 Meningoencephalitis (Including Herpes encephalitis)
5000 2000 1000
31 Neuromuscular (myasthenia gravis) 4000 1600 800
32 Interstitial lung diseases 10000 4000 2000
33 Pneumoconiosis 3500 1400 700
34 Pemphigus/Pemphigoid 6000 2400 1200
35 SLE (SYSTEMIC LUPUS
ERYTHEMATOSIS)
6000 2400 1200
36 SCLERODERMA 6000 2400 1200
37 MCTD MIXED CONNECTIVE TISSUE 6000 2400 1200
38 MCTD MIXED CONNECTIVE TISSUE 6000 2400 1200
39 VASULITIS 6000 2400 1200
40 Hypopitutarism 8000 3500 1500
41 pituitary – Acromegaly 6500 2000 1500
42 Delayed Puberty Hypogonadism (ex. Turners synd, kienfelter synd)
7000 2500 1500
43 Gastric Varices 7000 2500 1500
44 Chronic Pancreatitis with severe pain 7000 2500 1500
45 Cirrhosis with Hepatic Encephalopathy 7000 2500 1500
46 Cirrhosis with Hepato renal syndrome 7000 2500 1500
~ 147 ~ Signature & stamp of Insurance Agency
APPENDIX II
WORKING PATTERN
Health Camps Rural /Sub district /District/Women
Hospital and Primary Health Centre Accident sites Direct to Hospital
Online preauthorization by Insurance and
Society doctors of call center through
Arogyamitra of network hospital on same
day Admission and Treatment
Discharge & follow up
Online payment within 7 working days of discharge
Social Audit
Claim Processing
Billing
Preliminary Verification & Diagnosis
~ 148 ~ Signature & stamp of Insurance Agency
APPENDIX -III
AAROGYAMITHRA
Aarogyamithra is Friend of Health; Aarogyamithra is a concept unique to Rajiv Gandhi Jeevandayee Yojana. Aarogyamithras act as facilitators for the patients. In fact they form face of this insurance scheme.
Aarogyamithras are to be selected by the stakeholders of Self Help Group (SHG) movement / Local bodies i.e. Gram Panchayat, Municipality, Municipal Corporation/Government Hospital
in order to ensure performance efficiency and acceptability among local communities. The following qualifications are prescribed.
1. Graduate
2. Native & Resident of the same PHC area 3. Good communication skills
4. Prefers to move around the villages 5. Functional knowledge of computers
Help of local bodies and NGOs may be taken by the insurer to hire the services of local persons in each PHC / Rural / Sub district / General / District Hospital. The working of the Aarogyamithras will be monitored on a daily basis by the regional coordinators and district
coordinators of the Insurance Company in coordination with the Gram Panchayat, Municipality, Municipal Corporation, Civil Surgeon, District Administration, etc. All the
Aarogyamithras are to be provided with cell phones (CUG connection) by the Insurance Company for instant communication and networking. The Insurance Company shall also provide uniforms (Aprons compulsorily) for all Aarogyamithras.
The following table shows the indicative number of PHC‟s / Government Hospitals where Aarogyamithras are to be placed:
Districts Population Approx.no of Beneficiary Families
No. of
PHCs
No. of
RH
SDH
100
SDH
50 GH WH DH
Other Hosp. (Corporation/ra
ilway / Defense)
Medical College
Hospitals Total
Mumbai
City 3338031 482073
H.
posts-
182,
Disp =
162
0 0
0 0
Hospitals
-18
Medical
Colleges-4,
Dental=3,
Specialist Hospitals
=5 374
Mumbai
Suburban 8640419 1340828
Dhule 1707947 398000 41 7 1 1 0 0 0 0 1 51 Raigad 2207929 570000 55 11 1 2 0 0 1 0 0 70 Nanded 2876259 545000 64 12 1 2 0 0 0 0 1 80 Solapur 3849543 831000 77 16 1 2 0 0 0 0 1 97 Amravati 2607160 560000 56 12 1 2 0 1 1 0 0 73 Gadchiroli
970294 183000 45 10 0 3 0 0 1 0 0 59
Total 26197582 4909901 682 68 5 12 0 1 3 18 15 804
In addition to the above the Insurance Company has to select and post at least three Aarogyamithras in each Network Hospitals for round the clock monitoring of the patients. The total number will depend up on the exact number of the Network Hospitals. The
insurance Company shall follow the instructions of Rajiv Gandhi Jeevandayee Arogya Yojana Society in this regard.
Training of Aarogyamitras
Training for Aarogyamitras shall be done by the Insurance Company on the instructions of the society.
~ 149 ~ Signature & stamp of Insurance Agency
Role of Aarogyamitras in PHC / CHC / Government/ District Hospitals 1. ROLE OF PHC AROGYAMITHRAS
a) IN THE PHC / HOSPITAL
Publicity and awareness.
Maintain helpdesk at hospital. Receive the beneficiary. Verify the Beneficiary criteria. (Eligibility Criteria)
Facilitate consultation with Doctor (PHC Doctor / Nearest Govt. Hospital Doctor)
Fill up the referral card. Guide the patient to the next center. To counsel the patients who may require any one of the listed surgeries.
To facilitate either to a Government Hospital for further tests or to Network Hospital depending upon the advice of the doctor.
To guide the patient to Network Hospital. Follow-up the referred cases. In effect to act as, a guide and friend for the prospective beneficiary families
under Rajiv Gandhi Jeevandayee Yojana. Any work assigned by Rajiv Gandhi Jeevandayee Arogya Yojana Society from
time to time. b) OUTSIDE THE PHC / HOSPITAL
To send daily MIS of the patients.
To spread the awareness of the scheme in the villages. To spread the awareness about the scheduled camps by network hospitals in
the villages. To coordinate with network hospitals and help conduct camps. Mobilize the patients for camps.
Follow up the patients identified in the camp to report to network hospital. Coordinate with Civil Surgeons, Medical Superintendents, Gram Panchayat,
Municipalities, Corporations, ANMs, Women Health Volunteers and Self-Help Groups for effective implementation of the scheme.
Move around the villages and encourage patients to come to avail the benefits
of the scheme. Educate villagers about the scheme and distribute brochures and other material.
Keep in touch with the District Coordinator. Follow up the Beneficiary families before and after Surgery. Any work assigned by the Rajiv Gandhi Jeevandayee Arogya Yojana Society
from time to time. 2. ROLE OF DISTRICT HOSPITAL AAROGYAMITHRAS
Apart from the duties enlisted above the Aarogyamithras in District Hospitals will Facilitate the Patient for specialist consultation and tests. Fill up the referral card (part-B) properly.
Counsel the patient. Any work assigned by the Rajiv Gandhi Jeevandayee Arogya Yojana Society
from time to time. 3. ROLE OF AAROGYAMITHRAS AT NETWORK HOSPITAL
Maintain Help Desk at Reception of the Hospital.
Receive the patient referred from (PHC or Network). Work round the clock in shift to cater to the needs of emergencies.
Verify the documents of the patients. Obtain digital photograph of the patient. Facilitate the Patient for consultation and admission.
~ 150 ~ Signature & stamp of Insurance Agency
Liaison with coordinator / administration of the hospital. Counsel the patient regarding treatment / surgery.
Facilitate early evaluation and posting for surgery. Facilitate hospital send proper pre-authorization.
Follow-up preauthorization procedure and facilitate approval. Follow-up recovery of patient. Facilitate payment of transport charges as per the guidelines.
Facilitate cashless transaction at hospital. Facilitate discharge of the patient.
Obtain feedback from the patient. Counsel the patient regarding follow-up. Coordinate with PHC / Government Hospital Aarogyamithras for follow up of
beneficiary. Follow-up the patient referred by the hospital during the camps.
Coordinate with the head-Office and Medical officers for any clarifications. Send daily MIS. Facilitate Network Hospital in conducting Health Camps as scheduled.
Any work assigned by the Rajiv Gandhi Jeevandayee Arogya Yojana Society from time to time.
~ 151 ~ Signature & stamp of Insurance Agency
APPENDIX- IV
PROCEDURE FOR ENROLLMENT OF HOSPITALS
The Public and Private Hospitals will be jointly empanelled within the State of Maharashtra by Rajiv Gandhi Jeevandayee Arogya Yojana Society and Insurance Company following the
empanelment procedure lay down by Rajiv Gandhi Jeevandayee Arogya Yojana Society. The hospitals having minimum of 50 inpatient hospital beds with adequate facilities and offering
the services as stipulated below shall be empanelled after being scrutinized and recommended by the Empanelment and Disciplinary Committee. Empanelment and Disciplinary Committee will constitute four doctors. Two doctors will be nominated by
Insurance Company and two by Rajiv Gandhi Jeevandayee Society. The minimum number of inpatient beds criteria will not be revised from 50. It would be the responsibility of the
Insurer for enrolment of Network Hospitals in the State of Maharashtra to give adequate facilities for the treatment of the patients when they present themselves.
PROCEDURAL STEPS FOR ENROLLMENT OF HOSPITALS/NURSING HOME:
i. Advertise for seeking on line expression of interest from the public and private hospitals
ii. Preparation of the short list of the hospitals qualifying eligibility criteria iii. Inspections by joint panel of 4 Physicians to the eligible hospitals for confirmation
of eligibility and capacity. iv. Joint panel of 4 Physicians to recommend the eligible for hospital for specific
packages
v. RGJAY / Selected Insurer would approve the recommendations vi. Send invitation to the administrator of selected hospital for signing MoU. vii. Signing of MoU between Network Hospitals and Insurer. (Please refer Appendix )
(It is worth noting that the procedure of empanelment of hospitals would be ongoing.) Hospital / Nursing Home: means any institution in Maharashtra established for indoor
medical care and treatment of disease and injuries and should be registered under Bombay Nursing Home Registration Amendment (2005) Act and Public Hospitals.
A. Infrastructure and Manpower (General):
a. Should have at least 50 inpatient medical beds with adequate spacing of 65 sq. feet per
bed with qualified and registered paramedical staff. b. Should have Separate Male and Female General Wards.
c. Hospital should be fully equipped and engaged in providing Medical and Surgical facilities for the specialty for which it is to be empanelled.
d. In-house round the clock basic diagnostic facilities. (May also have link facilities for
high end tests like MRI, CT Scan etc.) e. Fully equipped Operation Theatre of its own wherever surgical operations are carried
out with qualified and registered nursing staff under its employment round the clock. f. Post-op ward with ventilator and other required facilities. g. ICU facility with requisite staff.
h. Fully qualified doctors of modern medicine should be physically in charge round the clock.
i. Casualty with Duty doctor and nursing staff. j. Availability of trained / Qualified / registered paramedics. k. Round the clock availability of specialists in the concerned specialties of support fields
within short notice. l. Shall be able to facilitate round the clock advanced diagnostic facilities either in-
House or with Tie-up with a nearby Diagnostic Center. m. Shall be able to facilitate round the clock Blood Bank facilities either In-house or with
Tie-up with a nearby Blood Bank.
~ 152 ~ Signature & stamp of Insurance Agency
n. Shall be able to facilitate round the clock Ambulance facilities either own or with Tie-up with a nearby Service Provider.
o. Maintaining complete record as required on day-to-day basis and is able to provide necessary records of the insured patient to the Insurer or his representative as and
when required. p. Having sufficient experience in the specific identified field. q. Shall have all necessary infrastructure required for preauthorization round the clock.
r. Should have at least 50 inpatient medical beds with adequate spacing and supporting staff as per norms. 25% beds should be reserved for beneficiary families under Rajiv
Gandhi Jeevandayee Arogya Yojana exclusively apart from legal provisions. (At least 12 beds or 25% of total beds whichever is more) In case of charitable hospitals 10 % beds should be reserved for indigent and 10% for economically weaker sections. Out
of remaining 80% beds 25% beds should be reserved for beneficiary families under Rajiv Gandhi Jeevandayee Arogya Yojana exclusively.
s. Shall have round the clock laboratory facilities either In-house or with Tie-up with a nearby laboratory with qualified pathologist either in-house or with tie up.
t. Hospital should have line list of procedures carried out in following proforma.
1) Name of patient 2) Age 3) Sex 4) Address 5) Diagnosis 6) Name of surgery /
Treatment.7) Date of admission 8) Date of discharge.
B. Infrastructure and Manpower (Specific):
a. For Empanelment of Cancer Therapy
Services of fully qualified Medical Oncologist, Radiation Oncologist and Surgical
Oncologist - all or either and equipment for Cobalt therapy, Linear accelerator and Brach therapy – all or either to be empanelled for Cancer Surgeries and Chemo and Radio-Therapies.
Hospital should have qualified and registered oncologist, oncosurgeon and Radiotherapists. Tumour board comprising of qualified and registered oncologist,
oncosurgeon and Radiotherapists will decide comprehensive treatment plan of patient. If hospital has no Radiotherapy equipment and Radiotherapist it should have tie up with nearest Radiotherapy center.
Note: A combination of both professional and the equipment is essential.
b. For Empanelment of Poly Trauma
Shall have Emergency Room Setup with round the clock dedicated duty
doctors of Modern Medicine. Shall have round the clock anesthetist services
Shall be able to provide round the clock services of Neurosurgeon, Orthopedic
Surgeon, CT Surgeon and General Surgeon, Vascular Surgeon and other support specialties.
Shall have dedicated round the clock Emergency operation theatre, Surgical ICU, Post-Op Setup with qualified and registered staff.
Shall be able to provide necessary cashless diagnostic support round the clock
including specialized investigations such as CT, MRI, Emergency biochemical investigations.
c) For Empanelment of Pediatric Congenital Malformations and Post-Burns
Contractures
Shall have Services of qualified specialists in the field Viz. Pediatric Surgeon, Plastic Surgeon with dedicated theatres, post-operative setup and staff.
d) For Empanelment of Prostheses (Artificial limbs)
Shall have full time services of Orthopedic Surgeon and Prosthetic and orthotic Engineer or technician to be empanelled to provide prostheses package under
the scheme.
~ 153 ~ Signature & stamp of Insurance Agency
Shall facilitate supply, fitting of appropriate prosthesis and gait training of patient by physiotherapist / Occupational therapist.
Shall ensure that an appropriate prosthesis is prescribed based on occupation of the person and standard prosthesis is supplied as per quality norms of BIS
(Bureau of Indian Standards). Shall also facilitate free replacement of leather parts and ensure total
replacement of Prosthesis in case of damage during guarantee period of 3
years. And
e) Hospital shall provide following amenities for the beneficiary families:
1. Provide space and separate Rajiv Gandhi Jeevandayee counter/ kiosk as per the design for Aarogyamitras (Health Coordinators)
2. Provide Computer with networking (dedicated broadband with minimum 1 mbps speed), printer, scanner, biometric reader and digital camera.
3. Provide free food for the patient including includes morning tea, breakfast, lunch, afternoon tea at 4 PM and dinner. Type of diet should be according to guidance of concerned treating specialist and qualified dietician.
4. Provide one time transport / transportation charges for patient equivalent to State Transport fare or ordinary class of Railway fare from network hospital to
taluka headquarter. 5. Free OPD consultation. 6. Free diagnostic tests and medical treatment required for beneficiary families
irrespective of surgery. 7. Provide the round the clock services of a dedicated Medical Officer to work as
Rajiv Gandhi Jeevandayee Medical Coordinator (MCO) for the scheme and he will be responsible to Rajiv Gandhi Jeevandayee Arogya Yojana Society and the Insurer for doing various activities under the scheme including Health
Camps, Follow-up of referred patients form camps, diagnosis, outpatient details, E-Preauthorization, Surgeries, Feedback on the patient‟s condition and
services offered by the hospital during hospital stay of the patients, discharges, deaths if any, follow-up free consultation of the patients and distribution of medicines after discharge etc. The Insurance Company shall
provide CUG (Closed User Groups) Connection to all MCOs. Selection of hospital for treatment will be according to choice of patient subject to
availability of beds in that selected hospital. 8. Provide follow-up with free consultation diagnostics and medicines. 9. Minimum one free Health Camp in village in a fortnight for the screening of
the Beneficiary families patient suffering from the identified ailments. Hospital may have a mobile team with diagnostic equipment and team of
doctors as specified by the Rajiv Gandhi Jeevandayee Arogya Yojana Society for this purpose. Villages shall be identified by the society in consultation with district administration and communicated to the hospitals / insurance
company. Hospital shall provide services of Rajiv Gandhi Jeevandayee medical Camp Coordinator (MCCO) for organization of health camps. The
Hospital shall follow the camp policy of the society. The Insurance Company shall provide CUG Connection to all MCCOs.
~ 154 ~ Signature & stamp of Insurance Agency
APPENDIX- V
ACTIVITY CHART FOR INSURANCE COMPANY
Activity Number of days required to
complete the activity from the
award date
Identifying the Project Officer Tasks will be completed within 7
days of awarding contract
Setting up of Project Office with infrastructure in MCGM limits
Tasks will be completed within 30 days of awarding contract
Appointment of Medical Officers Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Establishment of other staff Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Preparatory meeting with hospitals Tasks will be completed before commencement of scheme i.e. 2
October 2011
Inspection of hospitals vis-à-vis scheme requirements, identification of Rajiv Gandhi Jeevandayee Medical
Coordinator(RJMCCO), signing of MOU and Empanelment of Hospitals
Tasks will be completed before commencement of scheme i.e. 2
October 2011
Issue of CUG connections to RJMCOs and RJCCOs Tasks will be completed before commencement of scheme i.e. 2
October 2011
Installation of kiosk, computer and accessories and 1 mbps connectivity
Tasks will be completed before commencement of scheme
Printing & distribution of publicity material Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Printing & distribution of stationery related to work
flow of the scheme.
Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Appointment of Aarogyamithras
In PHCs / Govt. Hospitals
In Network Hospitals
Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Training of Aarogyamithras, distribution of Aprons
and CUG mobiles
Tasks will be completed before
commencement of scheme
Training of Doctors Tasks will be completed before commencement of scheme
Training of other staff Tasks will be completed before
commencement of scheme i.e. 2 October 2011
IT enabling Immediate
Establishment of 24 Hrs. Call Center Tasks will be completed before
commencement of scheme i.e. 2 October 2011
Establishment of other infrastructure Tasks will be completed before commencement of scheme i.e. 2
October 2011
Establishment of infrastructure in the districts Tasks will be completed before
~ 155 ~ Signature & stamp of Insurance Agency
Activity Number of days required to
complete the activity from the
award date
commencement of scheme i.e. 2 October 2011
Preparatory meetings and trainings at district level for inaugural mega-camps
Tasks will be completed 20 days before commencement of scheme
i.e. 2 October 2011
Handing over of adequate space for office of Rajiv Gandhi Jeevandayee Society in the jurisdiction of
Municipal corporation of Greater Bombay.
Tasks will be completed before commencement of scheme i.e. 2
October 2011
~ 156 ~ Signature & stamp of Insurance Agency
APPENDIX VI
HEALTH CAMP POLICY
Health camps are main source of mobilizing beneficiary families under the scheme. Effective conduct of health camps is key to success of scheme.
Activities
1. IEC Activities by network hospitals through
Pamphlets, posters, banners.
Public address system.
Drumbeating.
Audiovisual media – TV, Local cable.
SHG, Village meetings.
Exhibitions.
2. Facilities in camp
Shade in form of shamiyana.
Pedestal fans.
Sitting arrangement in form of chairs.
Snacks and drinking water.
3. Treatment of minor ailments List of common drugs. No Category Sr No Form Drug Strength Min Qty
1 Anti-inflammatory/
Antipyretic/Analgesic
1 Tab Ibuprofen 400 mg 500
2 Tab Paracetamol 500 mg 1000
3 Tab Aspirin 300/500
mg
500
4 Tab Diclofenac Sodium 100 mg 1000
2 Antiallerg ic 5 Tab Chlorpheneramine
maleate
4mg 5000
3 Antiamoebic 6 Tab Metronidazole 400 mg 800
4 Antihelminthic 7 Tab Albendazole 400mg 100
5 Antibiotic 8 Tab Nofloxacin 400 mg 1000
9 Tab Ciprofloxacin 500 mg 5000
10 Cap Ampicillin 250 mg 500
6 H1 Antagonist 11 Tab Ranit idine 150 mg 1000
7 Antacid 12 Tab Antacid 2000
8 Vitamin and iron
supplement
13 Tab Multivitamin 2000
14 Tab Iron+Folic acid 2000
15 Tab B-Complex 1000
16 Tab Vit – C 500 mg 1000
17 Cap Vit A and D 2000
9 For Children 18 Syrup Paracetamol 125mg/5
ml
20
19 Syrup Ampicillin 125mg/5
ml
10
20 Syrup Antitussive 20
4. Other Activities
1) Provide treatment for common ailments and common drugs in the camps and
prevent spread of communicable diseases.
Provide free consultation for ailments other than those covered under the
scheme.
Provide common drugs for general ailments as indicated in the list below.
Hospital shall carry at least 10 types of drugs from the above list and should have at least one drug from each category.
~ 157 ~ Signature & stamp of Insurance Agency
Distribution of all drugs for children ( Category 9) is mandatory.
Stock of above drugs must be carried to the camp, however hospitals are free to distribute more number of drugs.
Minimum Rs 1500 worth medicines must be carried to the camp.
Hospitals may carry generic drugs instead of proprietary preparations to keep
cost of medicines low. 2) Network hospitals to provide professional incentives to Government Doctors participating in the camp to encourage their active participation and cooperation. Each
Medical officer has to be given incentives of Rs 250. At least two Medical officers from one network hospital or four medical officers if camp is organized by two
network hospitals should attend the camp. Each network hospital shall pay incent ive for two medical officers.
5. Allocations
In order to encourage the above activities in the camps by network hospitals, Government has decided to provide financial support to the hospitals through RGJAY society to the tune
of Rs 5000 for each camp and activity wise allocation of said amount is as listed below.
Sr No
Activity Amount allocated in Rs
1 IEC Activity 1500
2 Basic necessities to patients such as shamiyana, chairs, water, fans,
snacks etc.
1500
3 Providing common drugs to patients as indicated in the list 1500
4 Incentive to Government Medical officers 500
Total 5000
6. Confirmation of camps, indenting, approval, organizing, claiming and reimbursement of
amount. The entire process of intimation, confirmation, indenting, details of camp organization and claiming of money will be through health camp module in the RGJAY society website.
The RGJAY society will communicate the schedule of camps well in advance and same will be available online in the login of hospital for confirmation.
Confirmation and indenting – The details of Doctors and paramedics and equipment to be carried attending camp shall also be indicated online. The indent for each camp should be
put up by each hospital online as under. o Details of IEC activities with specific proposals and estimated amount.
o Details of facilities to be provided. o Details of common drugs to be distributed. o Incentives to be given to Government Medical officers with names of
Medical officers tied for camp.
Approval – Based on indent RGJAY society will approve amount subject to 5000 rupees
per hospital per camp. The approval status can be viewed online. Approved amount can be denied in case of rescheduling camp after confirmation.
Organizing the camp – The hospital shall conduct camp as per schedule. Hospital should
ensure that an Arogyawardhini Medical Camp Coordinator (MCCO) is earmarked for the purpose and sent to campsite to undertake camp IEC activities and arrange for facilities
provided for the camp.
Documentation for camp
Each patient is given OPD card. The diagnosis and treatment is mentioned on card.
Medicines are given as per prescription and details mentioned in drug dispensing register.
~ 158 ~ Signature & stamp of Insurance Agency
The signature and thumb impression of patients in Annexure B is scanned and uploaded at the time of claiming camp amount.
The referral card is given to patients to patients who are referred under the scheme with details of hospital referred, name of consultant, mobile number of
network arogyamithra in Annexure C. The details of outpatients referred and patients will be recorded, a copy of same
is signed by Government Medical officer, Medical officer of network hospital
and Arogyamithra of network hospital and same is scanned and uploaded online at the time of claiming camp amount.
Incentives given to Government Medical officer is obtained in acquaintance in Annexure E.
MCCO of network hospital shall also take declaration as to successful conduct
of camp signed by MO PHC, Arogyamitra of concerned PHC. Network hospital shall also upload it for claim. Annexure F.
Utilization certificate shall be claimed online Annexure G. Reimbursement – RGJAY society based on uploaded and submitted documents
will reimburse the amount once in a month.
7. Role of District Administration in conducting the camps.
1. Spreading awareness of camp.
2. Camp inaugurated by Local MLA and all Public representatives are informed regarding camp.
3. Drinking water to be arranged by panchayat. 4. Snacks for doctors and staff to be arranged by arogyamitras or Medical officers. Cost
will be borne by network hospital.
5. Two MOs from Government and two from network hospital should be deputed for camp.
6. DMHOs shall take necessary steps to distribute common medicines. 7. The patients referred from camps are followed to report to network hospital by
Arogyamithras of PHC and Network hospital.
8. District coordinator of RGJAY society and insurance company should speak to AMCCO of network hospital and ensure that all activities are taking place.
~ 159 ~ Signature & stamp of Insurance Agency
APPENDIX VII
DRAFT MOU BETWEEN INSURER AND NETWORK HOSPITAL
MEMORANDUM OF UNDERSTANDING
RGJAY – PHASE I
This Agreements is made at Mumbai on this ______ the day of ___ 2011 between ____________________ INSURANCE COMPANY LTD., a Company incorporated under
the Companies Act 1956 and having its Registered & Corporate Office at ________________________represented by _________________________hereinafter
referred to as “Insurer” which expression shall unless it be repugnant to the context or meaning thereof shall deem to mean and include its successors and assignees of the ONE PART
AND _______________________________________________ rep by
Managing Superintendent / Director / Proprietor and having its Registered Office at _________________________________________________________________________________________________________________________________________ hereinafter
referred to as PROVIDER which expression shall unless it be repugnant to the context or meaning thereof be deemed to mean and include its successors and assignees of the OTHER
PART. WHEREAS, Insurer is an insurance company licensed under IRDA to transact Health, Accident and Overseas Medical Insurance, Providing Healthcare insurance coverage to its
Insured / Beneficiary families having got the mandate from the Government of Maharashtra to cover yellow ration card holders (“BPL”) and Orange card holdersne (APL) belonging to 8
(eight) districts namely, Mumbai city, Mumbai Suburban District, Dhule, Raigad, Solapur, Nanded, Amravati, and Gadchiroli, of the State of Maharashtra (“Beneficiary families”) against specified surgical / Therapeutic procedures (972 procedures and 121 follow up
procedures) for which purpose Insurer has created a network of service Providers . ________________________________________________ desires to join the said network of
Providers and is willing to extend cashless medical facilities for the surgical / Therapeutic procedures as per “RGJAY Manual on Surgical & Medical Treatments for Cashless Treatment of BPL and APL Population of RGJAY society to members of Below Poverty
Line (BPL and APL ) families identified either by RGJAY Health Card or yellow / orange Ration Card and referred to them by the Insurer under the RGJAY Health Insurance Scheme
of the Government of Maharashtra. Now this agreement witnesses as under. Article 1: Definitions
1.1 „RGJAY society‟: RGJAY Health Care RGJAY society.
1.2 „IRDA‟: Insurance Regulatory and Development Authority. 1.3 „Hospital‟: Hospital Registered under Bombay Nursing Home Act with minimum 50
beds. HOSPITAL / NURSING HOME:
Means any Government institution or Private institution in Maharashtra established for
indoor medical care and treatment of disease and injuries and should be registered under Bombay Nursing Home Registration ( Amendment 2005) Act and PNDT Act
(Wherever Applicable). II. Infrastructure and Manpower (General):
a) Should have at least 50 inpatient medical beds with adequate spacing and
supporting staff as per norms. b) Should have Separate Male and Female General Wards
c) Fully equipped and engaged in providing Medical and Surgical facilities for the respective specialties
~ 160 ~ Signature & stamp of Insurance Agency
d) In-house round the clock basic diagnostic facilities for biochemical, Pathological and radiology tests such as Calorimeter/ Auto analyzer, Microscope, X-ray, E.C.G,
USG.etc. e) Fully equipped Operation Theatre of its own wherever surgical operations are
carried out with qualified nursing staff under its employment round the clock. f) Post-op ward with ventilator and other required facilities g) ICU facility with requisite staff
h) Fully qualified doctor(s) of modern medicine should be physically in charge round the clock.
i) Casualty/duty doctor/Appropriate nursing staff j) Availability of Qualified/trained paramedics k) Round the clock availability of specialists in the concerned specialties and support
fields within short notice. l) Shall be able to facilitate round the clock advanced diagnostic facilities either In-
House or Tie-up facility with a nearby Diagnostic Center m) Shall be able to facilitate round the clock Blood Bank facilities either In-House or Tie-up facility with a nearby Blood Bank
n) Shall be able to facilitate round the clock Ambulance facilities either own or Tie-up facility with a nearby Service Provider
o) Maintaining complete record as required on day-to-day basis and is able to provide necessary records of the insured patient to the Insurer or his representative as and when required.
p) Having sufficient experience in the specific identified field q) Shall have all necessary infrastructure required for preauthorization round the clock
r) Shall have round the clock laboratory facilities either In-house or with Tie-up with a nearby laboratory with qualified pathologist either in-house or with tie up. s) Hospital should have line list of procedures carried out in following proforma.
1) Name of patient 2) Age 3) Sex 4) Address 5) Diagnosis 6) Name of surgery / Treatment.7) Date of admission 8) Date of discharge.
III. Infrastructure and Manpower (Specific)
For Empanelment of Cancer Therapy
Services of fully qualified Medical Oncologist, Radiation Oncologist and Surgical
Oncologist – all or either and equipment for Cobalt therapy, Linear accelerator and Brachy therapy – all or either to be empanelled for Cancer Surgeries and Chemo and
Radio-Therapies. Hospital should have qualified and registered oncologist, oncosurgeon and Radiotherapists. Tumour board comprising of qualified and registered oncologist, oncosurgeon and Radiotherapists will decide comprehensive
treatment plan of patient. If hospital has no Radiotherapy equipment and Radiotherapist it should have tie up with nearest Radiotherapy center.
Note: A combination of both professional and the equipment is essential. b. For Empanelment of Poly Trauma
1. Shall have Emergency Room Setup with round the clock dedicated duty doctors of
Modern Medicine. 2. Shall have round the clock anesthetist services
3. Shall be able to provide round the clock services of Neurosurgeon, Orthopedic Surgeon, CT Surgeon and General Surgeon, Vascular Surgeon and other support specialties.
4. Shall have dedicated round the clock Emergency theatre, Surgical ICU, Post-Op Setup with qualified staff.
5. Shall be able to provide necessary cashless diagnostic support round the clock including specialized investigations such as CT, MRI, emergency biochemical investigations.
~ 161 ~ Signature & stamp of Insurance Agency
c. For Empanelment of Pediatric Congenital Malformations and Post-Burns
Contractures
Shall have services of qualified specialists in the field Viz., Pediatric Surgeon, Plastic Surgeon with dedicated theatres, post-op setup and staff.
d. For Empanelment of Prostheses (Artificial limbs)
1. Shall have full time services of Orthopedic Surgeon to be empanelled to provide prostheses package under the scheme.
2. Shall facilitate supply, fitting of appropriate prosthesis and gait training of patient by physiotherapist.
3. Shall ensure that an appropriate prosthesis is prescribed based on occupation of the person and standard prosthesis is supplied as per quality norms of BIS (Bureau of Indian Standards).
4. Shall also facilitate free replacement of leather parts and ensure total replacement of Prosthesis in case of damage during guarantee period of 3 years.
and
IV. Hospital shall provide following additional benefit to the BPL (Ye llow ration
card holder) and APL (orange ration card holders with Annual income < Rs.
100000) beneficiary families related to identified systems:
a. Provide space and separate RGJAY counter/kiosk as per the design for
Aarogyamithras. b. Provide Computer with networking (dedicated broadband with minimum 1mbps speed), printer, scanner, bar code reader and digital camera.
c. Provide free food for the patient d. Provide transport/transportation charges for patient.
e. Free OPD consultation. f. Free diagnostic tests and medical treatment required for beneficiary families irrespective of surgery.
g. Provide the services of a dedicated Medical Officer to work as Rajiv Gandhi Jeevandayee Medical Coordinator (MCO) for the scheme and he will be responsible to
the Society and the Insurer for doing various activities under the scheme including Health Camps, Follow-up of referred patients from camps, diagnosis, outpatient details, E-preauthorization, Surgeries, Feedback on the patient‟s condition and services
offered by the hospital during hospital stay of the patients, discharges, deaths if any, follow-up free consultation of the patients and distribution of medicines after
discharge etc. The Insurance Company shall provide CUG (Closed User Groups) Connection to all MCOs. h. Provide follow-up free consultation diagnostics and medicines under follow-up
packages for 121 identified procedures annexed at provided under the scheme, the package amount will be directly reimbursed to the hospital by the Society.
i. Minimum one free Health Camp in village in a week for the screening of the BPL patient suffering from the identified ailments. Hospital may have a mobile team with diagnostic equipment and team of doctors as specified by the Society for this purpose.
Villages shall be identified by the Society in consultation with district administration and communicated to the hospitals/insurance company. Hospital shall provide services
of Medical Camp Coordinator (MCCO) for organization of health camps. The Hospital shall follow the camp policy of the Society. The Insurance Company shall provide CUG Connection to all MCCOs.
1.4 „Network Hospital‟ / NWH: Hospital empanelled under RGJAY. 1.5 „MOU‟: Memorandum of Understanding between the Insurance & Empanelled Hospital.
1.6 „Surgery / Surgeries‟: means cutting abrading, suturing, laser or otherwise physically changing body tissues and organs by qualified medical doctor who is authorized to do so
~ 162 ~ Signature & stamp of Insurance Agency
1.7 „Therapy / Therapies‟: Standard way of medical treatment to the patient as per the medical protocols of Allopathic medicine.
1.8 „Treatment‟: Medical management by qualified Doctor in the Network Hospital. 1.9 „Aarogyamitra‟: First contact person for RGJAY patient at Network Hospital.
1.10 MCOs (RGJAY Medical Coordinator) - Medical Coordinator from the Network Hospital with minimum MBBS qualification to coordinate with RGJAY society / Insurer 1.11 „MCCOs‟ an Officer designated as RGJAY Medical Camp Coordinator for the scheme
to coordinate with RGJAY society / Insurer through Arogyamitra. 1.12 „IEC‟: Information, Education & Communication.
1.13 „TAT‟: Turn Around Time. 1.14 „Per-Authorization‟: Pre-Authorization is a process by which an Insured Person obtains written approval for certain medical procedures or treatments, from RGJAY society /
Insurance. 1.15 „EDC‟: Empanelment & Disciplinary Committee.
Article 1a: Effective Date
1a. This agreement will be in force for a period of one year from 02.10.2011 to 01.10.2012 for Phase I. Renewal or unit otherwise terminated as provided for in this
MOU an shall be extended by mutual consent under same and conditions. 1b. In case of Renewal intimation of Scheme by the insurer, the Provider agrees to extend
services to beneficiary families of RGJAY Scheme beyond the effective date until otherwise terminated and all the services rendered by the Provider shall be considered for subsequent renewal period.
Article 2: General Provisions
2.1 General Undertaking:
Provider warrants that it has all the required facilities for performing the enlisted surgeries / procedures / therapies as specified in clause. No. 3 2.2 Minimum Bed Strength and Specialty Wise Bed Capacity
Provider declares that the hospital has the required number of bed capacity (50) under the scheme and will declare the specialty wise allocation of beds in the Performa submitted below
and uploaded in RGJAY society portal.
Total Bed Strength
Code Specialty Total No. of Beds
S1 General Surgery
S2 ENT
S3 Ophthalmology
S4 Gynecology & Obstetrics
S5 Orthopedics
S6 Surgical Gastroenterology
S7 Cardio Thoracic Surgery
S8 Pediatric Surgery
S9 Genito Urinary Surgery
S10 Neuro Surgery
S11 Surgical Oncology
S12 Medical Oncology
S13 Radio Oncology
S14 Plastic Surgery
S15 Polytrauma
S17 Prosthesis
M1 Critical Care
M2 General Medicine
~ 163 ~ Signature & stamp of Insurance Agency
Total Bed Strength
Code Specialty Total No. of Beds
M3 Infectious Diseases
M4.1 Pediatric Intensive Care
M4.2 Neonatal Intensive Care
M4.3 Pediatric General
M5 Cardiology
M6 Nephrology
M7 Neurology
M8 Pulmonology
M9 Dermatology
M10 Rheumatology
M11 Endocrinology
M12 Gastroenterology
M 13 Interventional Radiology
2.3 Allocating minimum 25% of beds in network hospital for RGJAY patients:
Provider agrees to provide at least 25 % of their bed capacity available for occupation by RGJAY patients for treatment under each specialty available in the hospital and under which
the procedures are covered in the RGJAY Scheme.
2.4 Conduct of OP services:
2.4.1 Provider agrees provide separate OP facilities for RGJAY patients. To be manned by
“Medical Coordinator” of the hospital (MCO) and Aarogyamitra(s). 2.4.2 Provider agrees to do general counseling for all OP patients to ascertain their eligibility under RGJAY to avoid later conversion of cash patients at a later date.
2.5 Conversion of cash patients into RGJAY:
Provider agrees to take a declaration from patient at the time of admission itself on the
applicability or otherwise of RGJAY in his/her case. In emergency / trauma cases, patients may be allowed 48 hours after admission to claim RGJAY benefit. 2.6 Online Updating of Bed Occupancy:
Provider agrees to upload the bed occupancy under each specialty for which hospital is empanelled as and when required.
2.7 The first point of contact for all the patients (out patients and in patients) coming under the Scheme will be the Aarogyamitra positioned at Network Hospital. 2.8 The Provider agrees to follow ALL the guidelines in rendering the services to RGJAY
patient annexed hereto as part & parcel of this MOU. The Provider also agrees to follow and adhere to the guideline issued by the RGJAY society / Insurer from time to.
2.9 The Provider agrees to follow & adhere to the ON-LINE workflow of the RGJAY community Insurance Scheme in providing services to RGJAY patients. 2.10 Eligibility Criteria:
The provider agrees to follow the guidelines on eligibility criteria for admission of patients under RGJAY Health Scheme as mentioned here under and the Following guidelines are re-
emphasized by the RGJAY society to be followed by Network hospital in cases where clarifications are sought. No Situation Requirement for benefit
1 No Health Card with beneficiary
Valid Yellow or Orange Ration Card coupled with Aadhaar
number and in case Aadhaar number not taken any Photo ID
card issued by Govt. agencies ( Driving license, election identity
card with photograph) to correlate the patient name &
photograph. (In instance of emergency ad mission, provisional
preauthorization may be given subject to confirmation of it
against submission of photo identity before discharge.)
~ 164 ~ Signature & stamp of Insurance Agency
2
Children born after issue of card i.e . name
and photo not available on card or valid
yellow/Orange ration card
Photograph of child with either parent along with Health card/
valid Yellow or Orange ration card of either parent and Birth
certificate issued by hospital or other authorized entit ies
3
Name is there in Yellow or Orange Ration
Card and matches with name in photo
identity. But the card is invalid as it does
not match with the digitized list.
Not eligib le fo r benefit package
(The yellow /Orange ration card is cancelled after verification
by department but still the family is holding it)
Satisfactory Performance Certificates from the clients of institutions must be submitted with no adverse reports. These certificates shall be from the clients/end users where diet services were provided.
Article 3: Specialty / Specialties Empanelled for
3.1 Provider hereby declares that the hospital has requisite infrastructure as per RGJAY
guidelines in relation to specialty services for which empanelment is done and agrees to provide quality diagnostic and treatment services as per the standard protocols.
3.2 Provider hereby declares that hospital did not exclude any other specialty service
deliberately from the scheme inspire of having such facility and agrees to empanel for the specialties for which adequate infrastructure is available.
3.3 The Hospital hereby declares that the bed capacity of the hospital is more than 50 with adequate infrastructure and manpower as per standard guidelines and agrees to provide separate male and female wards with toilet and other basic amenities.
3.4 The Hospital declares that it has a well-equipped ICU to meet the emergency requirements of the patients belonging to all categories empanelled for and agrees to
facilitate round clock diagnostic and specialist services as per the requirement mentioned in clause 4.
3.5 Specialties Provider agrees not to refuse admission of RGJAY patient in any specialty
where it has consultants and equipment. A minimum of 25% of overall bed capacity and of beds in each specialty have to be made available to RGJAY patients in network
hospital. 3.6 Provider agrees to follow the guidelines issued by the RGJAY society / Insurer on
specific specialties annexed herewith (Refer Annexure V, XXVII)
Article 4: Empanelment
4.1 Infrastructure and Manpower (General):
Well-equipped theatre Casualty / 24 hrs. duty doctor / Appropriate nursing staff Availability of trained paramedics
Post-op ward with ventilator and other required facilities. ICU with concerned specialty
Round the clock lab and image logy support Availability of specialists in support fields. Facilities for Interventional Radiology and availability of concerned specialist.
4.2 Infrastructure and Manpower (Specific):
Provider agree to provide to provide the services the services of fully qualified
Medical Oncologist, Radiation Oncologist and Surgical Oncologist –and equipment for Cobalt therapy, Linear Accelerator and Brach therapy – to be empanelled for Cancer Surgeries and Chemo and Radio-Therapies.
Note: A combination of both professional and the equipment is essential. If equipment for
Radiotherapy are not available, there should be tie up with nearest Radiotherapy center. Chemotherapy and Radiotherapy should be administered only by professionals well
versed in dealing with the side-effects that the treatment can cause.
~ 165 ~ Signature & stamp of Insurance Agency
Patients with Hematologic malignancies (Ex Leukemia, Lymphomas and Multiple Myeloma) and Pediatric malignancies (Any patient < 14 years of age) should be
treated by qualified by medical oncologist. Chemotherapy has to be administered to the patient as in-patient treatment only.
Provider agrees to provide the services as per the packages and adhere to the treatment protocols (Refer Annexure-IV)
The Service Provider will agree to quote batch no. of the drugs and attach empty vials
and ampoules with labels intact along with the bills. The Provider will agree to give patients feedback through Multimedia having webcam
and mike. The provision for live viewing of the patient will be provided in the RGJAY society portal.
4.4 For Empanelment of Poly Trauma :
The Provider will have Emergency Room Setup with round the clock dedicated duty doctor.
Provider will have round the clock anesthetist services. Provider will be able to provider round the clock services of Neuron-surgeon,
Orthopedic Surgeon, CT Surgeon and General Surgeon, Vascular Surgeon and other
support specialties. Provider will have dedicated round the clock Emergency theatre, Surgical ICU, Post-
Op Setup with qualified staff. Provider will be able to provide necessary cashless diagnostic support round the clock
including specialized such as CT, MRI, emergency biochemical investigations.
Provider should put all necessary infrastructure required for preauthorization round the clock.
4.5 For Empanelment of Pediatric Congenital Malformations and Post-Burns
Contractures: Provider will have services of qualified specialists in the field Viz., Pediatric Surgeon
with dedicated theatres, post-op setup and staff. 4.6 For Empanelment of Prostheses (Artificial limbs)
The hospital shall have full time services of Orthopedic Surgeon to be empanelled to provide prostheses package under the scheme.
Hospital shall facilitate supply, fitting of appropriate prosthesis and gait training of
patient by physiotherapist. Hospital shall ensure that an appropriate prosthesis is prescribed based on occupation
of the person and standard prosthesis is supplied as per quality norms of BIS (Bureau of Indian Standards).
Hospital shall also facilitate free replacement of leather parts and ensure total
replacement of Prosthesis in case of damage during guarantee period of 3 years. 5.7. For empanelment of laboratory services, the signatory should essentially be a
qualified pathologist 5.8. For empanelment of Cancer treatment, the facility should have tumour board
which decides comprehensive treatment plan of patient. Tumour board should
consist of qualified oncologists, oncosurgeon. Linkage to Referral facility for radiotherapy would be permissible.
Article 5: Specialties for which empanelment is done
No. Specialty Service Available /
Not
Available
Specialist
Name
Qualification
SURGICAL SPECIALTIES
1. General Surgery
Qualified General Surgeon with post
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No. Specialty Service Available /
Not
Available
Specialist
Name
Qualification
graduate degree in General Surgery
Well Equipped theatre facility with trained staff
Post-op with Ventilator Support
SICU Facility
Availability of support specialty of
General Medicine, Pediatrics.
1a. For Laparoscopic Surgeries
Surgeon having requisite training and having performed at least 100 procedures
for laparoscopic surgery (documentary evidence to be produced)
2. Orthopedic Surgery
Qualified Orthopedic Surgeon
Well-equipped theatre with C-Arm
facility
Trained paramedics
Well-equipped Post-op facility with Ventilator Support
Round the clock lab support with CT,MRI
3. Gynecology and Obstetrics
Qualified Gynecologist
Expertise trained in laparoscopic procedure with minimum 100 performances
Well Equipped theatre
Post-op ventilator & Pediatric reconstruction facilities.
Support services of Pediatrician
4. Ophthalmology
Qualified Ophthalmologist , trained vireo
Retinal and orthotics Surgeon
Optometry facility
Well-equipped theatre facility
5. ENT
Qualified ENT Surgeon
Well-equipped theatre
Post-op with ventilator support
Audiology support
6. Cardio-thoracic surgery
CT Surgeon
CT theatre
Cath –lab
Cardiologist support
Post-op with ventilator support
ICCU
Other cardiac infrastructure
7. Plastic Surgery
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No. Specialty Service Available /
Not
Available
Specialist
Name
Qualification
Qualified Plastic Surgeon with MCh in plastic surgery or other equivalent degree recognized by MCI
Well Equipped Theatre
SICU
Post-op rehab / Physio-therapy support
8. Neurosurgery
Qualified Neuro-Surgeon (M.Ch. Neurosurgery or equivalent
Well Equipped Theatre with qualified
paramedical staff
Neuro ICU facility
Post-op with ventilator support
Step down facility
Facilitation for round the clock MRI, CT and other support bio-chemical
investigations
9. Urology
Qualified urologist
Well-equipped theatre with C-ARM
Endoscopes investigation support
Post-op with ventilator support
Sew lithotripsy equipment
10. Pediatric Surgery
Qualified pediatric surgeon
Well-equipped theatre
Pediatric and Neonatal ICU support
Post-op with ventilator and pediatric
resuscitator facility
Support services of pediatric
11. Surgical Gastroenterology
Qualified Surgical Gastro-Enterologist
Well Equipped Theatre
Endoscope equipment
Post –op with ventilator support
Centre Must have done at least 100
Endoscope Surgeries
SICU
B. MEDICAL SPECIALTIES
1. General Medicine
Qualified General Physician with post graduate degree in General Medicine, Or
Equal
2. General Medicine
Qualified General Physician with post graduate degree in General Medicine , Or
Equal
3. General Medicine
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No. Specialty Service Available /
Not
Available
Specialist
Name
Qualification
Qualified General Physician with post graduate degree in General Medicine, or Equal
4. Pediatric
Qualified pediatrician
NICU & PICU fully equipped
Round the clock Pediatric / Emergency service room with Pediatrician
Pediatric resuscitation faculty
5. Cardiology
Qualified Cardiologist with DM or
Equivalent Degree
ICU Facility with cardiac monitoring and ventilator support
Hospital should facilitate Round the clock
cardiologist services
Availability of support specialty of General Physician & Pediatrician
5a. Cardiac Interventions and Procedures
Qualified Cardiologist with experience in interventions and procedures
Fully equipped Cath lab Unit with qualified and trained Paramedics
Must have Backup CT Surgery Unit to perform Cardiac Surgeries.
Centre Must have done at least 100
interventions
6. Nephrology
Qualified Nephrologists with DM or Equivalent Degree
Hemodialysis facility
AMC and Physician Support
7. Medical-Gastro Entomology
Qualified Gastro Enterologist with DM or Equivalent Degree.
Endoscopy facility
AMC and Physician Support
Centre Must have done at least 100
Endoscopic procedures
8. Endocrinology
Qualified Endocrinologist with DM or Equivalent Degree
AMC with ventilator and Physician
Support.
9. Neurology
Qualified Neurologist with DM or Equivalent Degree.
EEG, ENMG, Angio-CT facility of
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No. Specialty Service Available /
Not
Available
Specialist
Name
Qualification
Neurological study
Neuro ICU Facility with ventilator support
Physician Support
10. Dermatology
Qualified Dermatologist with MD or
Equivalent Degree.
AMC and Physician Support.
11. Pulmonology
Qualified Pulmonologist
RICU facility
Spirometry and bronchoscope facility
Physician Support
12 Rheumatology
Qualified Pulmonologist
MICU Facility
Physician and Orthopedic Support
Physiotherapy Support
C COMMINED SERVICES FOR
CANCER THERAPY
1. Cancer
Services of qualified Medical Oncologist
Services of qualified Surgical Oncologist
Services of qualified Radiation Oncologist if in-house Radiotherapy
equipment.
Fully equipped Radiotherapy Unit
SICU or tie up with nearest Radiotherapy center.
Interventional Radiology
Availability of DSA equipment
Qualified and trained interventional radiologists
Article 6: Cashless Services under Package
6.1 The Provider agrees to provide total cashless transaction to the Beneficiary right from his reporting to discharge under the scheme.
6.2 Provider agrees to provide treatment as per the packages worked out by the RGJAY society the package includes consultation, medicine, diagnostics, implants, food, cost of transportation, hospital charges etc. In other words the package should cover the entire
cost of patient from date of reporting to his discharge from hospital 10 days after surgery, making the transaction truly cashless to the patient. And under no
circumstances shall charge any money extra within the treatment period of package. 6.3 The Provider agrees to issue a test requisition slip to the patient which will empower the
patient to approach the concerned diagnostic/test centers within the hospital or otherwise
and do the tests without any cash transaction. The details of the Tests done and their results will be uploaded in the portal by the MCO of the Provider.
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6.4 Provider agrees to keep all the RGJAY patients admitted till 10 days of postoperative or till patient recovered satisfactorily in all those cases where operation was performed.
6.5 The hospital agrees to the package to be authorized even for those patients who were admitted as non-RGJAY out of ignorance but subsequently identified as RGJAY
beneficiary during the course of his/her stat in the hospital. In the meanwhile ant payment received from the patient shall be refunded immediately after getting pre-authorization approval and before discharge of the patient from the hospital duly
obtaining a receipt from the patient. 6.6 Hospital shall assist and facilitate the patient to procure compatible blood for the
surgeries and therapies. The Hospital shall provide blood from their own blood bank subject to availability within the package. In case of non-availability the hospital shall make efforts to procure from other blood banks, Red Cross, Voluntary Organizations,
etc. The Hospital shall also issue a copy of the request letter to the patient. Article 7: Package Rates
7.1 The Package rates are given in the Booklet (RGJAY Manual on Surgical & Medical Treatments for Cashless Treatment of beneficiary Population) will form a part and parcel of the MOU and which will be the basis and binding for the treatment cost of
various procedures and as per the package rates. 7.2 The Package rates are the maximum rate indicated for each surgical procedure However,
the settlement of the claims will be made on the basis of actual bill submitted by the provider.
7.3 Provider has agreed to the continuation of the agreed tariff for the period of this
agreement. 7.4 In the event of more than one procedure is being undertaken in one sitting other than
those of routine/standard components of the surgical procedure, the package amount will be decided by the technical committee in consolation with treating doctor and decision of this committee will be final and binding on the hospital.
7.5 Provider under any circumstances will not refuse to undertake procedure on the ground of insufficient package.
7.6 In all other disputes related to package rates and technical approvals of preauthorization‟s the matter will be referred to a technical committee of the RGJAY society and decision of the committee is binding on the provider.
Article 8: Cost of evaluation of patients
8.1 The cost of various treatment/tests conducted on the beneficiary family members who
are evaluated but ultimately do not undergo Surgery or Therapies will be borne by the Provider themselves and the Provider will not charge any fee for consultation and investigation from the Beneficiary.
Article 9: Quality of Services
9.1 Provider agrees to provide separate and Free OPD consultation. However there will not
be any discrimination to RGJAY patients vis-a-vis other paying patients in regard to quality of services.
9.2 Provider shall agree to provide free diagnostic tests and medical treatment for
beneficiary families irrespective of surgery / Therapy required according to good business practices.
9.3 The Provider will treat RGJAY Beneficiary families in a courteous manner and according to good business practices.
9.4 The Provider will extend admission facilities to the Beneficiary families round the clock.
9.5 The Provider will have themselves covered by proper indemnity policy including errors, omission and professional indemnity insurance and agrees to keep such policies in force
during entire tenure of the agreement.
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9.6 Provider will ensure that the best and complete diagnostic, therapeutic and follow-up services based on standard medical practices / recommendations are extended to the
Beneficiary. 9.7 The provider agrees to provide quality service to the beneficiary by following standard
protocols for diagnosis and treatment. It is also mandatory for the provider to assess the appropriate need and subject the beneficiary for treatment / Procedure.
9.8 The provider agrees to provide quality medicines, standard prostheses. Implants and
disposables while treating the beneficiary families. 9.9 The Provider agrees to assist and cooperate with the medical auditing team from the
RGJAY society / Insurer as and when required. 9.10 The Provider agrees to provide video recorded evidence of patient counseling before
surgery in order to avoid legal complications / any adverse reaction by patients or
Patient‟s relatives or by public in the event of unacceptable outcome. 9.11 The hospitals Morbidity and Mortality cases will be subject to scrutiny by the RGJAY
society / Insurer. (Refer ANNEXURE –V & XIV) 9.12 The provider agrees to take sole responsibility in submitting the patient details online
and if any discrepancy is found in this regard the Provider agrees to abide by decisions
of EDC. Article 10: Services of Medical Coordinator
Provider will have a Medical Officer / Medical Officers designated as RGJAY Medical Coordinator/s (MCO) for the scheme to coordinate with society through Arogyamitra. The provider agrees to submit the details of appointed MCO‟s as per the
ANNEXURE XXII The provider should promptly inform the insurer about change if ant in the MCO
designated the tenure of the agreement. The following will be the responsibility of MCOs (RGJAY Medical Coordinator):
1. He / She will ensure that all required evaluation including diagnostic tests are done
free of cost for all beneficiary families and the details of the same along with reports are captured in the RGJAY society portal.
2. He / She will upload the OP/IP status of the patient. 3. He / She will guide the patient in all aspects and sign the investigation request.
4. He / She have to cross check whether diagnosis is covered in the scheme. If doubtful about the plan of management then should coordinate with treating specialist along
with Package list as specified in the Rajiv RGJAY Medical on Surgical & Medical Treatments for Cashless Treatment of BPL Population – 3rd edition.
5. He / She should facilitate the admission process of Patient without any
delay. 6. After admission He / She will collect all the necessary investigation reports before
sending for approval. 7. He / She will upload the admission notes and preoperative clinical notes of the patient. 8. He / She will ensure that preauthorization request is sent only for those who are on bed
(IP) 9. He / She will ensure before sending Preauthorization that all documents like health
card or valid ration card (yellow/orange) coupled with aadhar number, Patient photo and also necessary reports like CT Films, X-Ray films, Angio CD etc. are uploaded in the system.
10. He / She will coordinate with insurance and RGJAY society doctors as need arises.
11. Preauthorization kept pending from Insurance and RGJAY society will be verified on a regular basis and necessary corrections to be done by MCO.
12. He / She will furnish daily clinical notes (Per Operative and Post-operative).
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13. He / She will upload 3 Photographs of the Patient taken preoperative bedside, immediate post-operative showing operation wound and at the time of discharge.
14. He / She will update surgery and discharge details and hand over signed copy of the summary along with follow-up advice in preprinted stationary supplied.
15. He / She will ensure free follow –up consultations, routine investigations and distribution of drugs to be supplied by the Provider to the beneficiary families. And also refer ANNEXURE –VI
16. He / She will ensure to update the details of on bed status of patients time to time as per the format (Refer ANNEXURE-XX) on the display board placed at the
Arogyamithra Kiosk / reception desk. 17. The Provider will have a Data Entry Operator and each data entry operator will be
linked to the respective MCO and the final responsibility of the data fed by the data
entry operator will be vested on MCO of the Hospital. The provider agrees to submit the details of Data Entry Operator as per the ANNEXURE XXV.
Article 10.1 Mode of communication
10.1 (i) The Provider agrees to use the Closed User Group (CUG) mobile pho ne given by
insurer to MCOs & MCCOs exclusively for the purpose official communications related to RGJAY Scheme. Any mis-utilization of CUG by the MCOs & MCCOs the
insurer reserves the right to initiate action against the service Provider. (ii) The Provider agrees to use only RGJAY Messaging Services provided on the Web
Portal for any kind of official communications related to RGJAY scheme. The Email-
Ids of MCOs & MCCOs provided by the RGJAY society/ Insurance will be used as their communication method.
Article 11 Documentation and MIS
11.1 The provider will ensure that documentation of RGJAY patients are done using standard formats supplied / available online such as admission card, referral card,
investigation slip, discharge summary etc. 11.2(i) RGJAY society Insurer reserves the right to visit the Beneficiary and check his
medical data with or without intimation as and when required.
(ii) The provider will allow the General Managers / Deputy General Managers / Field staff / Doctors. Vigilance officials and other officials from the RGJAY society and
Insurance Company to inspect the hospitals without obstruction and co-ordinate with them during Surprise and Regular Inspections.
11.3 Provider will furnish periodical reports to RGJAY society / insurer on the progress of the scheme as per the formats prescribed for this purpose.
11.4 Provider will not give any document to facilitate the RGJAY patient to obtain any
other relief like CMRF etc. Provider will not claim any other relief for the procedures covered under the scheme. Any deviation in this regard may attract Delisting of the
hospital. 11.5 The Provider agrees to keep printouts of all online documents in the case sheet and
make available as and when required for verification by field staff / doctors of the
RGJAY society / Insurance. Article 12: Display of Boards & Banners
12.1 Provider agrees to display their status of preferred Provider of RGJAY Community Health Insurance Scheme at their reception / admission desks.
12.2 Provider agrees to display their status of specialties empanelled in RGJAY
Community Health Insurance Scheme at their reception / admission desks. 12.3 Provider agrees to display availability of beds in the hospital and also display specialty
wise bed occupancy under RGJAY Community Health Scheme at their reception / admission desks. (Refer ANNEXURE-XX)
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12.4 Provider agrees to display the process flow of RGJAY within the hospital at the RGJAY kiosk.
12.5 Provider agrees to make available of the list of diseases with package rates covered under RGJAY community Health Insurance scheme in the form of Booklet supplied
by the RGJAY society/ Insurer at their reception / admission desks. 12.6 Provider agrees to display other materials supplied by RGJAY society /Insurer for the
ease of Beneficiary families.
Article 13: RGJAY Kiosk and Aarogyamithra Services
13.1 The Provider will allow RGJAY Assistance Counter / Kiosk to be established at the
reception of the Provider free of cost. (Photograph of the space annexed herewith (Refer ANNEXUR-1))
13.2 The Provider will provide following infrastructure and network facility to the counter.
P.C., Printer, Scanner, Digital Camera, Webcam, Barcode reader, Mike, Speakers, Stationary etc. (Refer ANNEXURE - XVII) The System and other peripherals should
be provided exclusively for the use of Aarogyamithra who can use the resources at any point of time.
13.3 The Provider will provide a dedicated 2MB broadband connectivity to the Computer
to be exclusively used by the Aarogyamithra to access the web for online MIS. e-preauthorization etc.
13.4 The Provider will allow Aarogyamithra access to the wards and patients data to facilitate onward transmission to the Company for e-pre-auth, claims, correct MIS etc.
13.5 The Provider will update the date of surgery, discharge / death of the beneficiary in the
RGJAY society portal. 13.6 The Provider will intimate Aarogyamithta and MCO regarding emergency admissions
of the Beneficiary during non office hours. Article 14 Preference to Beneficiary families
14.1 The Provider agrees not to deny admission for the beneficiary for want of
preauthorization approval. 14.2 The provider agrees to provide a separate ward for RGJAY Beneficiary families.
14.3 The provider agrees to provide separate Operation Theatre and weekly schedules for the surgeries / therapies to be performed for the Beneficiary families.
Article 15 Capacity for Surgeries
15.1 The provider agrees to handle a minimum number of cases in each specially including trauma cases based on their available infrastructure as under:
CATEGORY SPECIALTY Capacity to admit
number of patients /Day
(Bed Strength)
A MEDICAL SPECIALTIES
General Medicine
Critical Care
General Medicine
Infectious Diseases
Pediatrics
Neonatal Intensive Care
Pediatric Intensive Care
Pediatrics (General)
Cardiology (Medical Management)
Nephrology
Neurology
Endocrinology
Medical Gastroenterology
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CATEGORY SPECIALTY Capacity to admit
number of patients /Day
(Bed Strength)
Dermatology
Rheumatology
Pulmonology
B SURGICAL SPECIALTIES
General Surgery
Orthopedics
ENT
Ophthalmology
Gynecology and Obstetrics
Cardiac Interventions
Cardiothoracic Surgery
Surgical Gastroenterology
Genitourinary Surgery
Neuro Surgery
Pediatric Surgery
Plastic Surgery
C SPECIAL SERVICES
Cancer
Medical Oncology
Surgical Oncology
Radiation Oncology*
15.2 The Provider agrees to submit the vacancy level in pre-operative words, ICU, Post-Operative wards and also upload the same in the RGJAY society portal on a daily
basis. Article 16 Medical Camps
16.1 The Provider will conduct free medical camps at least once a week at the place
specified by the RGJAY society to identify the members of the BPL families who may require surgeries covered under the scheme as per the schedule given by the RGJAY
society/for such surgeries. The camp policy as given in Annexure II will be scrupulously followed.
16.2 The Provider will carry necessary diagnostic equipment such as ECG, Echo
Ultrasound etc. to these free medical camps. 16.3 The Provider will provide services of concerned specialists namely Cardiologists, CT
Surgeon, Neurosurgeons, Urologists, Oncologists, Gynecologists. Plastic Surgeon, Pediatric Surgeon, General Physicians to the camp to facilitate proper evaluation of the patients.
16.4 The Provider will submit the camp confirmation and indent (Annexure-III) online as given in camp policy in the prescribed format to RGJAY society/ Insurance at least
one week in advance of the stipulated date. 16.5 The Provider will inform all the stakeholders such as district Administration,
concerned public representatives, PHC / AH / DH staff etc. well in advance for
successful conduct of the camp. 16.6 The Provider will spread awareness about the camp through Publicity in coordination
with District Coordinator. Regional coordinator, PHC staff and Aarogyamithras. 16.7 The Provider will provide patient data to RGJAY society / Insurance in the prescribed
form at the end of the camp.
16.8 The Provider will enter the details of the patients screened and referred at the camps on the RGJAY society website on the same day of the camp.
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16.9 The Provider will coordinate constantly with the Medical camps cell of the RGJAY society in all matters related to Medical camps.
16.10 The patients referred from the camp will be followed up and transported to the Hospital within 10 days of the camp unless the patient is not willing, in which case the
same should be recorded and updated in the Website. 16.11 Provider will have an Officer designated as RAJIV GANDHI JEEVANDAI Medical
Camp Coordinator (MCCOs) for the scheme to coordinate with RGJAY society /
Insurance through Aarogyamithra The provider agrees to submit the details of appointed MCCO‟s as per the ANNEXURE XXIV.
The provider agrees to inform the insurer & RGJAY society about the change in the MCCO designated if any, during the tenure of the agreement. The Provider will give the full time services of RGJAY Medical Camp Coordinator
(MCCO) to coordinate all activities related to camps and patient follow up from camps.
The following will be the responsibilities of RGJAY Medical Camp Coordinator
(MCCOs)
Confirmation of camps online and indenting online.
Carrying out the IEC activities within camp area at least 7 days before the camp date.
Providing facilities like shamianas, chairs, screening enclosures.
Providing common medicines in the camps.
Arrange for distribution of incentives to the medical officers.
Coordinating and ensuring participation of specialists.
Arranging the diagnostic equipment
Coordinate with PHC doctors / government Doctors. Public Representatives, SHG
groups and Local Administration.
Raising claims online for the camps conducted.
Follow – up of patients referred from Camps as per clause 16.10
And other responsibilities mentioned in ANNEXURE – XV.
Article 17: Admission of Beneficiary
17.1 Request for examination and if necessary hospitalization for surgical procedures on
behalf of the Beneficiary will made by the “RGJAY Help Desk” at PHC/ Government Hospital or by the “RGJAY Assistance Counter / Kiosk” at Network Hospital.
17.2 Aarogyamithras at RGJAY Assistance Counter / Kiosk at the Network Hospital will
coordinate with the Provider from the time of admission till discharge after the surgical procedure.
Article 18: e-Pre- Authorization
18.1 Pre-authorization request will be sent only after admission and the patient will be there in the hospital as inpatient till final decision on the Preauthorization is made.
18.2 The Provider will submit the e-pre-authorization, after admitting the patient as in-patient, on the RGJAY Website complete in all aspects including the signed copy of
consent of the patient. All relevant test reports along with Digital photograph of the Beneficiary taken in the hospital should also be uploaded. Catheterization CD, MRI films, X-rays, biopsy reports will be uploaded, cytology and biopsy reports / slides
should be submitted. 18.2a Insurer undertake to approve the Preauthorization in consultation with the RGJAY
society indicating the relevant package rates within 12 working hours of the receipt of the request for pre-authorization form as well as the required data and information online.
18.2b the Provider agrees to update the surgery online immediately after performing the Surgery. However, the validity period of the pre-authorization is 14 days from the
date of approval. The Provider agrees to update clinical notes of ALL cases (both Pre
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& Post pre-authorization notes) in the Website on daily basis. If the surgery / therapy is not update within 14 days after approval of pre authorization will automatically get
cancelled in the RGJAY Portal. The provider should obtain fresh approval for the cancelled pre-authorization by mentioning valid reasons and the Insurer / RGJAY
society reserves the right to approve the request of pre-authorization. After Approval of pre-authorization, if the patient is not found on bed at the time of routine check by officials of RGJAY society Insurer and in case the provider unable to
present the patient during the routine check by officials of RGJAY society/Insurer, the RGJAY society/ Insurer reserves the right to cancel the Preauthorization immediately
without any intimation. 18.2c If the provider is not able to conduct the operation within a reasonable time for any
reason other than medical such as non availability of beds or specialists, the Provider
will arrange for the operation to be conducted at any other appropriate Network Hospitals in consultation with Insurer.
18.2d The provider agrees that the approval of Pre-authorization by RGJAY society / Insurance is mere approval for eligibility of case for Assistance under scheme and should not be construed as approval of choice of the treatment & outcome
consequences thereof which is sole responsibility of treating Doctor. 18.2e Any deficiency in documentation & ONLINE updation of data and protocols by the
provider which may lead to pending of Pre-authorization approval, the responsibility for such delay leading to delay in treatment & outcome is solely responsible of the Provider.
18.2f The provider agrees that any Rejection of Pre-authorization shall not be construes as denial of treatment to the patient and outcome thereof, it is a mere rejection of
assistance under the scheme guidelines. The provider agrees to exercise best of his judgment and counsel the patient about the alternate ways of providing such care including the option of referring the patient to Govt. Institution where such facility
exists. 18.3 Preauthorization preferably will be given to the network hospital whichever does the
preliminary screening either at the Medical camp or at the hospital. Second pre-authorization for the same patient from different network hospital will not be entertained for the same procedure unless medically warranted or surgical procedure is
unduly delayed by the first hospital without proper medical grounds. 18.4 Insurer reserves the right to disallow the claim if the Surgery / Therapy is performed
before any approval from the Insurer / RGJAY society and pre-authorization is obtained at a later date keeping the insurance / RGJAY society in dark about the surgery /therapy.
18.5 The provider agrees to send the enhancement requests before the discharge of the patient through E-mail or by fax and follow the enhancement guidelines
(ANNEXURE-XXI) and enhancement module manual in the booklet (RGJAY manual for Surgical and Medical treatments for Cashless Treatment of BPL Population- 3rd edition.) The Provider agrees to abide by the decision of Technical Committee and
shall extend cashless facility to the patient. 18.6 The provider agrees to obtain emergency Telephonic Approval for emergency cases
only. The Insurer / RGJAY society reserves the right to cancel the Emergency telephonic approval, if the provider fails to update the pre-authorization online within 72 hours of Emergency telephonic approval. The provider also agrees to perform the
surgery / therapy obtained through telephonic intimation within 24 hours form the date and time of telephonic approval. The Provider also agrees to update the surgery/
therapy done for telephonic instructions online mentioning the date & time along with specific remarks and photographic evidences while updating the online pre-authorization, starting from the telephonic intimations. (Refer Annexure-XXVII).
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Article 19: Transport of Patients
19.1 The Provider agrees to transport of bear the cost of transport charges (To & fro)
incurred by the beneficiary and agrees to arrange the same at time of discharge and obtain acknowledgment from the patient accordingly. The Provider agrees to obtain
signature of beneficiary on the acknowledgment sheet generated from the portal and upload the scanned copy to RGJAY Web portal.
Article 20: Free food to patients
20.1 The Provider agrees to provide free food to the patients as envisaged in the package rates either through in-house pantry or by making alternate arrangements like
supplying from nearby canteen. Article 21: Discharge and Follow up
21.1 Intimation of the impending discharge of the Beneficiary need to be advised to
RGJAY Assistance Counter at least one day before the discharge of the patient. 21.2 The discharge has to be done in the presence of MCO and Aarogyamithra concerned
and update the details ONLINE. 21.3 At the time of Discharge the transportation cost to and fro has to be reimbursed to the
Patient, if the Hospital has not provided the transportation. The acknowledgment of
receiving the amount for transportation has to be generated from the RGJAY society portal and the signed copy has to be uploaded.
21.4 Discharge summary will be generated from the RGJAY society portal in a pre-printed stationary to be supplied. The Discharge summary will consist of all the treatment details of the Patient at the Hospital and the follow up regime for the Patient including
consultation and medication. 21.5 All the patients must be provided with follow-up medicines after discharge by the
provider as part of the package. 21.6 If the same Patient is coming back to the Hospital, the follow up derails have to be
uploaded in the RGJAY society portal.
21.7 Satisfaction letter of the Patients has to be generated from the RGJAY society portal and the signed copy has to be uploaded.
21.8 The MCO & Aarogyamithra should counsel the patient for all the precautions to be taken for the post-operative care.
21.9 All patients who requite follow-up medicines will be advised by the provider to come
back on 11th day of discharge for first follow0up mandatory. The date of first follow-up will be generated by the RGJAY society portal along with the discharge summary.
21.10 The subsequent follow-ups for the above cases will be as per the follow-up guidelines (Refer ANNEXURE-VI)
21.11 The Provider will agree to provide follow-up services for a period of ONE YEAR
under the Scheme. 21.12 The provider will provide free post-transplant immunosuppressive therapy for a period
of six months from date of surgery (1st to 6th month), irrespective of agreement period for all cases of renal transplant within package. The provider will do cashless post-transplant immunosuppressive therapy for the remaining period of six months (7 th to
12th month) under RGJAY II. 21.13 The provider will agree to provide free post-surgical physiotherapy services, wherever
required for the agreement period. Article 22: Billing Procedure / Checklist for the Provider at the time of Patient‟s
discharge
22.1 It is admitted and agreed that the Provider is aware that this MOU has arisen for the purpose of implementation of the RGJAY Community Health Insurance Scheme
(RGJAY I & II) intended for Below Poverty Line families in specified Districts of Maharashtra and accordingly the Provider will in no circumstance charge or seek any payment from the Beneficiary families but will look only to for indemnity, and that too
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only to the limits/ schedule of fees in respect of procedures referred to earlier and agreed to under this MOU.
22.2 Signature or the LTI of the patient / Beneficiary will be obtained on final hospital bills and the discharge form.
22.3 The provider will submit the following to Original discharge summary, original investigation reports. All original prescriptions, Procedure CD‟s MRI films, X-rays, Post-Operative slides with Biopsy report, 3 Photographs of the patient taken
preoperative bedside, immediate post-operative showing operation wound and at the time of discharge, Case Sheet with Operation Notes Breakup of the bills (Room Rent,
Investigations, Procedure charges & pharmacy receipt) etc. These are to be made available to for Claim payment, while submitting the bill. The copies of the discharge summary signed by the Beneficiary will be uploaded in the web. A summary of the
bills raised will also be uploaded. 22.4 Letter of satisfaction from the patient should also be obtained and sent along with the
bills to in prescribed format. 22.5 Provider should ensure that Chemo Therapy Drugs are physically administered to the
Patients. Provider should produce bills by coating batch no. and attaching empty vials
& ampoules with intact labels. 22.6 The Provider will have-an Officer designated as Billing Head in order to follow the
process the online work flow. The provider agrees to submit the details of Billing Head as per the ANNEXUR XXIII.
Article 23: Payment Terms and Conditions
23.1 Insurer agrees to pay all the eligible bills within 7 working days. Subject to submission of all supporting documents including post-operative investigations and reports as
required online and the photocopies of daily progress report and ICU charts should be sent by courier.
23.1a The payments to the provider are made the Insurer after deducting Taxes (TDS) as per
prevailing IT Rules, and accordingly Insurer will issue the Form No. 16A t the end of Financial Year. Provider hereby agrees to comply all the formalities required in
fulfilling regulations of Income Tax Dept. (Refer ANNEXURE-XXVI) 23.2 The provider agrees to submit the core banking number IFSC code to the insurer to
facilitate electronic fund transfer for settling the claims. (Refer ANNEXURE-XIX)
23.3 The Provider agrees to submit all the claims for the surgeries / Treatments performed within 60 days from the date of discharge of patient.
23.4 The provider agrees to perform Surgeries / Treatment within 30 days from the date of expiry of this agreement for all the Pre-authorizations obtained during the period and submits the claim as per clause 23.3 above.
Article 24: Limitations of liability and indemnity
24.1 The Provider will be responsible for all commissions and omissions in treating the
patients referred under the scheme and will also be responsible for all legal consequences that may arise. Insurer /RGJAY society will not be held responsible for the choice of treatment and outcome of the treatment or quality of the care provided by
the provider and should any legal complications arise and is called upon to answer the provider will pay all legal expenses and consequent compensation, if any.
24.2 The Provider admits and agrees that if any claim arises out of alleged deficiency in service on their part of on the part of their men or agents, then it will be the duty of the provider to answer such claim. In the unlikely event of Insurer being proceeded
against for such cause of action and any liability was imposed on them, only by virtue of its relationship with the provider and then the provider will step in and meet such
liability on their own. 24.3 Notwithstanding anything to the contrary in this Agreement, neither Party will be
liable by reason of failure or delay in the performance of its duties and obligations
~ 179 ~ Signature & stamp of Insurance Agency
under this Agreement if such failure or delay is caused by acts of God, Strikes, lock-outs, embargoes, war, riots civil commotion, any orders of Governmental, Quasi-
Governmental or local authorities, or any other similar cause beyond its control and without its fault of negligence.
24.4 The Provider undertake for applicability of terms and conditions mentioned and in all the MOUs executed for all the phases in- lieu of this MOU.
Article 25: Confidentiality
25.1 All the stakeholders undertake to protect the secrecy of all the data of Beneficiary families and trade or business secrets of and will not share the same with any
unauthorized person for any reason whatsoever within or without or consideration. 25.2 The provider agrees to protect the confidentiality under this agreement and ensures not
to recruit ex-employees of insurer anytime during this agreement and also for a further
period of one year from the date of expiry of this an agreement. Article 26: Termination
26.1 Any deficiency in service by the empanelled hospitals (Provider) or noncompliance of the provisions of MOU will be scrutinized by the Empanelment & Disciplinary Committee (EDC) comprising of representative from the RGJAY society and Insurer
and make deliberations to suspend / de-list / stop payments or any other appropriate action based on the nature of the complaint against the Provider. The Provider shall
abide by the deliberations made by the EDC and RGJAY society. Article 27: Jurisdiction
27.1 Any dispute arising of this MOU will be subject to arbitration as per Arbitration Act
and subject to the jurisdiction of Maharashtra courts only. 27.2 Any amendments in the clauses of the Agreements can effected as an addendum, after
the written approval from both the parties. Article 28: Non-exclusivity
28.1 Insurer reserves the right to appoint other Provider/s for implementing the packages
envisaged herein and provider will have no objection for the same and vice-versa.
In witness thereof this agreement executed by or on behalf of the parties on the day and year mentioned above.
Signed and delivered by: Provider:
Through its Managing Director / by Sri/Smt. ______________________________________
Sign _______________________________ In presence of Sri/ Smt. ____________________________________ Sign _______________
____________________________________________________________________
Through its Chief Operating Officer Sri / Smt. ___________________________________
Sign ___________________________________ In presence of Sri / Smt ____________________________________Sign ______________
~ 180 ~ Signature & stamp of Insurance Agency
“Rider A”
1 Resolution of dispute: In the event of any question, dispute or differences in respect of contract or terms and
conditions of the contract or interpretation of the terms and conditions or part of the terms and conditions of the contract arises, the parties may mutually settle the dispute amicably.
2 Arbitration:
If any dispute arises between the parties hereto during the subsistence of this Agreement of thereafter, in connection with the validity Interpretation implementation
or alleged breach of any provision of this Agreement, the parties shall refer such dispute to their respective chairmen/CEO‟s for resolution. In the event that the chairmen/CEO‟s are unable to resolve the dispute within 30 days of it being referred to
them, then either Party may refer the dispute for resolution to a sole arbitrator who will be Additional Chief Secretary / Principal Secretary Public Health and Family Welfare
Department Government of Maharashtra, or, in the event that the parties are unable to agree on the person to act as the sole arbitrator within 30 days after any party has claimed for an arbitrators in written form, by three arbitrators, one to be appointed by
each party with power to the two arbitrators so appointed, to appoint a third arbitrator. The arbitration proceedings shall be carried out as per the Indian Arbitration and Concillation Act, 1996 and the rules made thereunder.
3 Governing Language: English language version of the contract shall govern its interpretation.
4 Applicable Laws:
The contract shall be governed in accordance with the law prevailing in India, Act, Rules, Amendments and orders made theron from time to time.
5 Indemnification:
The contractor shall indemnify the purchaser against all actions, suit, claims and demand or in respect of anything done or omitted to be done by contractor in connection with the contract and against any losses or damages to the purchaser in consequence of any action or suit being brought against the contractor for anything done or omitted to be done by the contractor in the execution of the contract.
6 Jurisdiction
All the suits arising out of the contract shall be instituted in the court of competent jurisdiction situated in Mumbai only and not elsewhere.
7 Saving clause
No suits, prosecution or any legal proceedings shall lie against the Joint Director of Health Services (Procurement Cell), Mumbai or any person for anything that is done in good faith or intended to be done in pursuance of RFP.