UNITED INDIA INSURANCE COMPANY LIMITED Medical Policy 1.pdfPLEASE TAKE THE PLEDGE AT For any...
Transcript of UNITED INDIA INSURANCE COMPANY LIMITED Medical Policy 1.pdfPLEASE TAKE THE PLEDGE AT For any...
UNITED INDIA INSURANCE COMPANY LIMITED #119,SYLVESTRA ARCADE, EAST PARK ROAD, 11TH CROSS, MALLESHWARAM
BANGALORE - 560003 KARNATAKA PH: (080) 23441957,(080) 23340376 FAX: (80) 23347258 EMAIL:
GROUP HEALTH POLICY UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14 POLICY NO.: 0716002818P113720603
PERIOD OF INSURANCE FROM 00:00 Hrs on 09/01/2019
To Midnight on 08/01/2020
Insured
M/s KIOCL RETIRED EMPLOYEES MEDICAL TRUSTII BLOCK, KORAMANGALA, BANGALORE.
BANGALORE KARNATAKA
560034
Agent Name : MARSH INDIA INSURANCE BROKERS PVT. LTD
Agent Code : BRC0000019 Mobile/Landline Number/Email : 9051364300 / (22) 40015033
LET US JOIN THE FIGHT AGAINST CORRUPTION. PLEASE TAKE THE PLEDGE AT https://pledge.cvc.nic.in
For any Information, Service Requests and Grievances please write to [email protected]
For ID Cards & Claim Intimations Please contact the TPA mentioned in the Policy document.
REGD. & HEAD OFFICE, 24, WHITES ROAD, CHENNAI - 600014
Website: http://www.uiic.co.inPrinted By : LAT39055 @ 23/01/2019 5:40:23 PM
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
GROUP HEALTH POLICY Schedule
Policy No. 0716002818P113720603 Previous Policy No.
Insured Detail
Name/ID M/s KIOCL RETIRED EMPLOYEES MEDICAL TRUST/23059146202
Tel. (O) Tel.(R) Fax EMail Business/Occupation None
Period of Insurance
From 00:00 Hours of 09/01/2019 To Midnight of 08/01/2020
Coinsurance UIIC 071600 : 100%
No.of Employees 677 No.of Lives
Coverage Details:-
Cover Group Sum Insured( ) Premium( )
Hospitalization 268,200,000.00 24,500,204.10
Total Sum Insured 268,200,000.00 Premium 24,500,204.10
Insured Details
As Per Annexure Attached.
Premium: 24,500,200.00 CGST(9%): 2,205,018.00
SGST(9%): 2,205,018.00
Stamp Duty: 1.00 Total: 28,910,236.00 Receipt Number : 10107160018114385507Receipt Date: 23/01/2019Development Officer Code/ Agent Code: MARSH INDIA INSURANCE BROKERS PVT. LTD
BRC0000019
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
Underwriter Remarks Policy covers retired employees and their spouse for a family sum insured of Rs.4 lakh if both the employee and spouse are covered and for a sum insured of Rs.2,00,000/- if only the employee or spouse is covered as per schedule attached. Domiciliary hospitalisation is excluded. Room rent is restricted to 2% of family sum insured or a single AC non deluxe room per day whichever is lower in case of metro cities. For non metro cities, which are state capitals, the limit is 1.5% of family sum insured or a single AC non deluxe room per day whichever is lower. For rest of the country it is 1% of family sum insured or a single AC non deluxe room per day whichever is lower. Ambulance charges are covered as per actual. Exclusion No. 4.1, 4.2, 4.3 and 4.4 are waived. Condition No. 1.2.1 and 1.4 are waived. Addition and deletion of persons during the currency of the policy is done on pro rata basis. No refund of premium is allowed under the policy for deletion, if a claim is made. Any refund due to deletion will be adjusted against the next installment premium. Any inclusion or deletion under the policy is to be intimated to the company within 5th day of the succeeding month. Persons joining the policy can be held covered in between the dates of the month provided there is sufficient amount lying in the CD Account of the insured. No request for change / alteration in the existing terms and conditions of the policy can be entertained. Claims will be settled by TPA, MD India Health Insurance TPA Pvt. Ltd. Other terms and conditions will be as per insured?s Tender No. KIOCL/TS/MED.INS-RTD.EMP/F-409/R1/216 dated 13.11.2018.
This Schedule and the attached policy shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear the same meaning wherever it may appear.
Customer GST/UIN No.: 29AAACK8438M1ZX Office GST No.: 29AAACU5552C1ZF
SAC Code: 9971 Invoice No. & Date: 2818I113720603 & 23/01/2019
Amount Subject to Reverse Charges-NIL
Anti Money Laundering Clause:-In the event of a claim under the policy exceeding 1 lakh or a claim for refund of premium exceeding 1 lakh, the insured will comply with the provisions of AML policy of the company. The AML policy is available in all our operating offices as well as Company's web site.
Date of Proposal and Declaration: 09/01/2019IN WITNESS WHEREOF, this policy has been signed at DO 6 BANGALORE 071600 on this 23rd day of January 2019For and On behalf of United India Insurance Co. Ltd.
Affix Policy Stamp here.
Authorized SignatoryUnderwritten By - LAT39055 ( DO UNDERWRITER )
POLICY NO.: 0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
Details of TPAPlease contact the following TPA for Issue of Identity Cards, Cashless Approvals & Claims Settlement.
Name of TPA MDIndia Health Insurance TPA Pvt Ltd
Address S. NO. 46/1, E Space, A-2 Building, 3rd Floor, Pune nagar Road, Vadgaonsheri, Pune - 411014,Pune Nagar Road, Wadgaon -Sheri, Pin Code : 411014, Fax No :
Toll Free number 1800-233-1166, 1800-233-4505
Contact Details For General Enquiries For Cashless approval For Claim intimation For Grievances
Telephone Numbers 1860-233-4446 1800-233-4505 1860-233-4448
Email IDs [email protected] [email protected] [email protected] [email protected]
Annexure:
POLICY NO.: 0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
Name of TPAGroup
No.Person
ID.Insured Name Age Sex RelationOccupation
Sum Insured
MDIndia Health Insurance TPA Pvt Ltd 1009 1 S N VASUDEV RAO 89 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1012 1 F V CHIKKA REDDY 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1012 2 SUSHEEL CHIKKAREDDY 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1013 1 S UJJANAPPA 79 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1013 2 T K KOMALA 74 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1014 1 SATYENDRA KUMAR DHAR 82 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1014 2 CHAYA RANI DHAR 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1015 1 T R RAMANATHAN 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1015 2 R REVATHI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1024 1 N R PANIKKAR 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1024 2 USHA PANIKKAR 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1025 1 S K KRISHNA PRASAD 79 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1025 2 RATHNA 74 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1028 1 A P RAO 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1028 2 ASHA RAO 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1030 1 JAYANTHI RAGHURAM 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1031 1 CHANDRA SEKHAR JOSHI 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1031 2 PADMA PRIYA JOSHI 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1034 1 KESHAVA DEREBAIL 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1034 2 VEDAVATHI K 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1036 1 ANAND SHETTY 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1036 2 SHASHIKALA ANAND SHETTY 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1039 1 B MOHIDDIN 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1039 2 MYMUNA 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1041 1 MARTHA RUBEN 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1046 1 R MADHAVA RAO 82 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1046 2 RAMA M RAO 77 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1048 1 MYTHILY DAS 74 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1054 1 T S N MURTHY 80 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1054 2 N GEETHA 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1055 1 M SUBBANNA BHAT 79 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1055 2 SAVITHRI BHAT 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1056 1 A R GAJENDRA 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1056 2 VATHSALA 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1058 1 MAHENDRA NATH RAY 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1058 2 ANITHA RAY 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1059 1 HARI DAS MUKHARJEE 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1059 2 KALPANA MUKHARJEE 73 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1060 1 RAVINDRAN PILLAI K 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1060 2 THANKAMMA J 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1064 1 H L SHANKARAPPA GOWDA 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1064 2 LOKAMMA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1065 1 KN THAMMANAGOWDA 75 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1073 1 K M ISMAIL 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1073 2 LATHIFA ISMAIL 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1076 1 P B SHENOY 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1076 2 RADHIKA B SHENOY 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1082 1 K S JAYARAM 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1082 2 PUSHPA JAYARAM 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1084 1 CHITTARANJAN ROUTH 82 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1084 2 BINA PANI ROUTH 73 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1090 1 KSV MURTHY 79 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1090 2 K SATHYAVATHI MURTHY 77 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1092 1 H S MURTHY 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1092 2 LALITHA MURTHY K N 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1100 1 C M HEMALATHA 65 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1101 1 R DAVID 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1101 2 ANTHONIAMMAL 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1103 1 SK JAYANTHA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1103 2 SARASWATHI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1104 1 M RAMASWAMY 69 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1110 1 SHIVARUDRAIAH 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1110 2 SARVAMANGALA V 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1120 1 M K RAJAGOPALAN 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1120 2 T C LAKSHMY 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1121 1 S M GIRIJA 64 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1121 2 S MURALIDHAR 69 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1138 1 B N PRABHA 66 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1140 1 K NARAYANA UPADHYA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1140 2 SUNITHA N UPADHYA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1141 1 GATTAPPA 75 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1141 2 INDIRA 72 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1149 1 P DANIEL 87 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1149 2 ANNAMMA DANIEL 81 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1160 1 NARASIMHAIAH V 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1160 2 SUKANYA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1165 1 SUBHASH KARBARI 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1165 2 BHARATHI 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1170 1 G KRISHNA MURTY 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1170 2 C V SURMADEVI 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1173 1 PRAMILA BAI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1176 1 S P NARASIMHULU 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1176 2 NEERAJAMMA S 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1181 1 MANJULA MURTHY 83 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1185 1 S PRAHLAD RAO 68 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1188 1 M P V RAGHAVAN 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1188 2 P V GOURI 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1192 1 ABS MANYAM 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1192 2 D S PUSHPALATHA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1197 1 H V SAROJA BAI 66 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1199 1 ESTHER MARGARET 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1200 1 K LAXMINARAYANA GUPTHA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1200 2 SUJATHA L GUPTHA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1201 1 R NAGARAJ 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1201 2 PRABHA NAGARAJ 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1203 1 V RAMCHARI 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1203 2 LEELAVATHY 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1208 1 P G R PANICKAR 80 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1208 2 KANCHANA 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1210 1 C R RADHAKRISHNA NAIR 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1210 2 G VIJAYAAMMA 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1211 1 N D ANANTHPADMANABHA 67 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1216 1 V M THYAGARAJ 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1216 2 MILLICENT ANN THYAGARAJ 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1219 1 A KRISHNAMURTHY 81 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1219 2 CHELLA KRISHNAMURHTY 72 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1223 1 HONNAPPA HOSABAYYA NAIK 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1223 2 CECILIA NAIK 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1226 1 M R GOPAL 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1226 2 K G ANITHA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1229 1 PREM KUMAR SHARMA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1229 2 TRIPTA SHARMA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1231 1 HANS RAJ SHARMA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1231 2 MAYA DEVI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1233 1 ANTHONY SAM 59 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1233 2 FRANCINA ANTHONY 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1234 1 CHAMMAN SINGH 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1234 2 MAHENDRI DEVI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1238 1 G MALLIKARJUNA 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1238 2 M JAYAKUMARI 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1243 1 K S SUDARSHANA 72 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1252 1 HEROOR GURUPRASAD 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1252 2 JAYASHREE PRASAD 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1253 1 S KRISHNARAJ URS 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1253 2 PADMA URS 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1256 1 R SRINIVASA MURTY 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1256 2 VANAJA MURTY 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1258 1 K M KUSHALAPPA 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1258 2 K K KAVERIAMMA 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1261 1 N SURAMANYA 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1261 2 GAYATHRI S 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1263 1 K S PUNDARIKA 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1263 2 G R BHAGYALAXMI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1264 1 B A GANGAMMA 65 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1264 2 B B AIYAPPA 77 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1265 1 P VIJAYAN 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1265 2 B SULOCHANA 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1273 1 P S GUNASHEKAR 65 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1274 1 C S SARASWATHY 67 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1281 1 G RAMAKRISHNAIAH 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1281 2 J MARY KUMARI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1283 1 RAMA MOOLYA BANTWAL 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1283 2 PUSPALATHA R BANTWAL 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1284 1 P R KAMATH 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1284 2 SHYAMALA P KAMATH 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1293 1 M P SAMUEL 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1293 2 ALEYAMMA SAMUEL 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1294 1 V K APPUKUTTAN 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1294 2 KOUSU T M 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1296 1 B S KRISHNAIAH 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1296 2 G V RAMADEVI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1300 1 KAMALA JEEVANESAN 83 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1304 1 M T SRISAILAM 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1304 2 M T NALINI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1305 1 K VARADA RAJAN 82 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1305 2 K RANGANAYAKI 72 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1313 1 S SELVANATHAN 67 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1320 1 H S RAMACHANDRA 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1320 2 H V SEETHALAKSHMI 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1322 1 SUBHAS LAHIRI 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1322 2 GOPA LAHIRI 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1324 1 S E PADMANABHA 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1324 2 H LALITHA 72 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1326 1 T V BASHYAM 75 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1326 2 SAHANTI 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1328 1 H S CHANDRASHEKHAR 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1328 2 U S SOWBHAGYA SHEKHAR 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1332 1 MITHRASENA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1332 2 ARUNA KUMARI 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1339 1 P PRABHAKAR 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1339 2 S M SUVARNA 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1341 1 THIMME GOWDA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1341 2 LALEETH 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1344 1 C K NARAYANAN 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1344 2 DEVAKI PONNAMMA 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1345 1 H N VISWANATHA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1345 2 K S SHARADHA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1348 1 THIMME GOWDA H R 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1348 2 A J SULOCHANA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1352 1 SUBBE GOWDA 62 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1357 1 GOPALAKRISHNA PILLAI 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1357 2 SALILA DEVI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1359 1 PARSHWANATHAIAH 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1359 2 SHREEYALA 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1366 1 KISHORE M KAKADE 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1366 2 UJWALA K KAKADE 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1368 1 ASHA DONAT 72 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1380 1 M A ABBAS 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1380 2 NASREEN ABAAS 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1381 1 H R KRISHNA SWAMY 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1381 2 SHARADA K SWAMY 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1382 1 VICTOR LOBO 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1382 2 ROSY LOABO 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1384 1 SYED ZAHIR AHMED 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1384 2 SYEDA JABEEN TAJ 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1390 1 V G RAMAMURTHY 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1390 2 B R BHAGYALAKSHMI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1398 1 SURENDRA KUMAR H S 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1398 2 PRATHIMA 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1400 1 G CHINNAPURAPPA 72 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1401 1 SUDARSHANA S J 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1401 2 RATHNAMMA 48 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1407 1 JINARAJAIAH 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1407 2 PREMA KUMARI 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1415 1 SINDU DEVI 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1416 1 SABINA LILLY D SOUZA 64 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1416 2 JOSEPH DSOUZA 79 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1421 1 DHARMAPALAIAH H S 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1421 2 JAYALAKSHMI 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1431 1 H RAGHURAMAIAH 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1431 2 PARIMALA RAGHURAMAIH 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1432 1 H N NANJUNDARAJ URS 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1432 2 BHAVANI C URS 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1441 1 K NARASIMHA MURTHY 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1441 2 BHAGYA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1447 1 K A RAMASUBRAMANIAN 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1447 2 SABITHA MANIAN 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1449 1 TRIVENI A SALGAONKAR 65 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1450 1 T C SHIVA SHANKARAPPA 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1450 2 RATHNA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1454 1 K N RAVINDRA 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1454 2 PADMAVATHI 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1457 1 HUCHAMMA 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1458 1 P CHANDRAN 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1458 2 P PADMAVATHY 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1459 1 HENRY D SOUZA 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1459 2 SICILIA D SOUZA 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1468 1 ALPHONSE VAZ 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1468 2 LILY VAZ 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1469 1 SWAMY GOWDA 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1469 2 DEVAMMA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1471 1 SHIVRAMAPPA Y 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1471 2 Y SUSHEELA 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1475 1 G G LOKESHAPPA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1475 2 N B DAKSHAYINI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1486 1 A B JAYAVANTH 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1486 2 J NIRMALA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1487 1 V CHANDRA KANTHA 64 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1491 1 HARRY L DSOUZA 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1491 2 STELLA D SOUZA 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1492 1 M G SADIQ 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1492 2 MAMTAZ 34 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1495 1 NITHYANANDA K P 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1495 2 MALATHI N 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1498 1 K M DAMODARA 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1498 2 VILASINI D 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1501 1 HOOVAMMA 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1504 1 SHANTHAPPA GOWDA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1504 2 KUSUMA C B 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1510 1 RATHNARAJAIAH 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1510 2 PREMAKUMARI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1513 1 N S VASUDEVA RAO 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1513 2 S VIJAYALAKSHMI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1529 1 JINARAJAIAH N 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1529 2 PAMPALA 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1532 1 PADMANABHAIAH 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1532 2 RAJAMATHI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1539 1 P VENKATESH MARATHE 75 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1539 2 REKHA V MARATHE 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1544 1 Y S BHAT 87 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1544 2 USHA S BHAT 73 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1553 1 RAJANNA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1553 2 SMT INDIRA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1554 1 A VIJAYAKUMAR 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1554 2 VINAYALATHA 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1560 1 J C BRAHMAIAH 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1560 2 J B SUNANDA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1564 1 P ABOOBACKER 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1564 2 RASHEEDA ABOOBACKER 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1568 1 P RAMANATHA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1568 2 NANDINI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1570 1 K CHANDRASHEKARA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1570 2 GEETHA T C 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1579 1 K S SRIDHARA MURTHY 75 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1579 2 INDIRA S MURTHY 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1585 1 P N VISWANATHANH 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1585 2 PREMA VISWANATHAN 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1586 1 GRACE MARTIN 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1595 1 D S CHANDRASEKHARAN 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1595 2 V VIJAYALAKSHMI 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1596 1 S SESHA RAO 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1596 2 SRIGHAKOLAPU LAKSHMI RATHNAM 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1612 1 RATHNA RAMACHANDRA 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1620 1 ABDUL SAB P 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1620 2 RAZIA BEGUM 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1625 1 S D LAKSHMAIH 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1625 2 SIDDAGANGAMMA 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1626 1 SYED MUNEER AHMED 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1626 2 ASEEL 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1628 1 MOHAN R 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1628 2 SHARADA MOHAN 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1633 1 YADAVA SHETTIGAR 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1633 2 SHYAMALA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1634 1 THIMAPPA T 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1634 2 MALLIKA T DEVADIGA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1638 1 G Y BOREGOWDA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1638 2 B D SEETHAMMA 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1640 1 MAHAMED SAB 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1640 2 DILFIZA BANU 46 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1647 1 K GUNDURAO 68 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1659 1 C RAGHUNATHAN 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1659 2 MEERA BAI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1661 1 T N PANDEY 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1661 2 PREMA DEVI PANDEY 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1662 1 A RANGANATHACHAR 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1662 2 JAYALAXMI K M 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1664 1 P K N PRASANNA 78 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1664 2 NAGARATHNA GUDADASA 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1667 1 K VASANTHA KUMARI 68 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1667 2 H A BACHAPPANAVAR 67 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1669 1 C M SHIVADEVAPPA 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1669 2 SUBHAMANGALA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1670 1 S N SIDDAPPA GOWDA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1670 2 S K SUSHEELA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1672 1 RAJAPPA GOWDA S 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1672 2 INDIRAMMA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1676 1 CHARLES VIJAYAKUMAR 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1676 2 SHOBHAMALA 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1677 1 ERANNA 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1677 2 GOWRAMMA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1678 1 MATILDA GONSALVES 61 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1678 2 WALTER GONSALVES 61 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1681 1 K BHARATHI 66 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1681 2 RADHAKRISHNA K 71 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1688 1 JOSEPH RODRIGUES 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1688 2 JESSY RODRIGUES 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1691 1 V DEVANNA PRABHU 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1691 2 MALATHI PRABHU 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1695 1 M V MANJAPPA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1695 2 K M NAGARATHNA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1696 1 SUNDRAIAH 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1696 2 SHOBHA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1711 1 U GIDDAPPA 68 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1714 1 G MOHAN REDDY 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1714 2 G LAKSHMI 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1715 1 C H BHASKAR 67 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1718 1 B R RAMAKOTAIAH 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1718 2 PREMAVATHI M V 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1723 1 B N SRIRANGANAYAKI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1743 1 N KARUNAKARA 68 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1744 1 UMESH ANAND RAO PIKLE 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1744 2 LALITHA UMESH PIKLE 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1748 1 KOMALAM P 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1757 1 SHREEKANTH 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1757 2 HEMALATHA B 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1759 1 M S VIJAYALAKSHMI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1763 1 K MALLIKA 64 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1763 2 K A CHANDRASHEKARAN 69 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 1772 1 J N KINI 71 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1772 2 KALPANA KINI 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1773 1 SURESH SINGH 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1773 2 SUMITRA DEVI 72 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1783 1 S AYYASWAMI 73 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1791 1 NIRANJANA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1791 2 VATHSALA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1792 1 MV ANANTHA PADMANABHA RAO 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1792 2 B RADHA RAO 71 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1795 1 M A RAVINDRA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1795 2 M R BHAVANI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1796 1 NARAYANA SHETTY 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1796 2 INDIRA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1803 1 PRALHAD A KATTI 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1803 2 SHASHIKALA P KATTI 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1805 1 HARIDEV BHARADWAJ 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1805 2 KRISHNA BHARDWAJ 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1834 1 H KRISHNA KAMATH 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1834 2 MOHINI KAMATH 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1836 1 G KIRUBAGARAN 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1836 2 A UMA 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1838 1 C NAGESHA RAO 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1838 2 K S PADMA NAGESH 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1844 1 NAVIN KUMAR 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1844 2 VIOLA JANET 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1846 1 D S VENUGOPAL 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1846 2 R RUKMINI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1847 1 K SUNDARA SHETTY 75 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1847 2 RATHNAVATHI S SHETTY 69 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1848 1 NALINKUMAR GOPALDAS DARBAR 64 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1850 1 FEDRICK PASCAL SALDANHA 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1850 2 SYLVINE LEENA SALDANHA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1856 1 BALAKRISHNA M ACHARYA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1856 2 VEENA B ACHARYA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1859 1 BHAGAVAN DAS N R 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1859 2 N B KAMALA DAS 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1861 1 ADDNAL BHASKAR RAO 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1861 2 ADDNAL VANI 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1866 1 M B PADIYAR 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1866 2 KAVITHA B PADIYAR 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1867 1 IVAN PINTO 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1867 2 JOYCE PINTO 67 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1871 1 MANJUNATH KS 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1871 2 MANJULA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1887 1 RISHI KUMAR GUPTA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1887 2 KAMINI DEVI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1892 1 RUDRAMUNAIAH G 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1892 2 H M SHYLA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1895 1 NEELAKAR K 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1895 2 SULOCHANA N 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1906 1 DR B LAKSHMANA HEGDE 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1906 2 SHASHIKALA L HEGDE 68 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1907 1 MURTHY V 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1907 2 MALARKODI M 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1908 1 K NAGENDRA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1908 2 M N LEELAVATHI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1910 1 A ANANDA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1910 2 RAJEEVI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1922 1 B RAVI 77 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1922 2 S GOVINDA BAI 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1926 1 T M GOPALAKRISHNA BHAT 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1926 2 SHYAMALA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1928 1 SANTHAMMA FRANCIS 73 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 1937 1 G P GAONKAR 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1937 2 PRAMILA KRISHNA NAIK 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1942 1 B M VENKOBA RAO 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1942 2 KRISHNA KUMARI T R 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1945 1 M LAKSHMI NARAYANA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1945 2 S L SEETHALAKSHMI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1948 1 G A PRABHAKAR 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1948 2 M K PRABHAMANI 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1955 1 S MURARI 76 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1955 2 RAMA MURARI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1960 1 DEVRAJ SHARMA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1960 2 SHARDA SHARMA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1962 1 C D NAIK 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1962 2 LEELA C 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1972 1 BAPU Y BHOVAR 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1972 2 SONIA BAPU BHOVAR 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1973 1 SADASHIVA BOLOOR 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1973 2 MALLIKA S BOLOOR 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1974 1 LAXMANA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1974 2 KAMALA 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1980 1 LAKSHMAMMA K S 77 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1981 1 MOZAFFAR SAYEED 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 1981 2 RIZWANA KHATOON 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 1997 1 VEDAVATHI S ACHAR 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2000 1 SITARAM MAHATO 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2000 2 DURGA DEVI 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2004 1 HARISH SHARMA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2004 2 A VEENAVATHI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2017 1 K R ESWARAPPA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2017 2 MANJULA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2033 1 R VENKATESH MURTHY 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2033 2 SHANTHA 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2041 1 DOROTHY PUSHPA DIVAKAR 75 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2049 1 H GIRISH BABU 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2049 2 POORNIMA GIRISH BABU 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2050 1 B SEETHARAMA SHETTY 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2050 2 VANITHA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2052 1 M HARI KRISHNA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2052 2 POORNIMA H RAO 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2056 1 SYED R SHARIEFF 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2056 2 SYEDA AMEERA BANU 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2058 1 CELIN S 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2061 1 T UMAKANTHAN 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2061 2 UMA DEVI 70 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2062 1 KP NETRAVATHI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2065 1 K UPENDRA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2065 2 VIJAYA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2067 1 K VISHWANATH PAI 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2067 2 K VEENA PAI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2070 1 K CHANDRASEKHARAN 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2070 2 LEELAVATHI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2074 1 B JHON WESLY 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2074 2 LUDHIYA RANI 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2098 1 NEELAKANTA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2098 2 PARVATHAMMA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2100 1 K N SHIVARAMA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2100 2 B N KALAVATHI 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2110 1 G KANNAN 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2110 2 K MEGALA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2113 1 BASAVARAJAPPA B 65 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2115 1 BHARATHI H KINI 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2119 1 RAHAMATHULLA 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2119 2 AJAS BEGUM 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2129 1 VIVEKANAVDA J SHASTRI 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2129 2 PUSHPA V SHASTRI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2132 1 I R VASANTHA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2140 1 K RAMAKRISHNA KAMATH 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2140 2 VIJAYA YANE K REKHA KAMATH 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2147 1 NAVIN KUMAR K 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2147 2 SANTHOSH KUMARI K 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2152 1 V P S BONIFUS 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2152 2 MARY BONIFUS 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2155 1 SHANKARAPPA M 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2155 2 GANGAMMA R G 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2156 1 ABDUL RAZAK R S A 68 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2157 1 THIMMAPPA 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2157 2 LEELA 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2160 1 O SHANTHARAJU 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2160 2 N TRIVENI 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2163 1 SUBBANNA K E 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2163 2 LEELAVATHI K S 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2164 1 NAGESH K S 63 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2167 1 JAGADEESHA MN 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2167 2 YASHODA KN 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2168 1 VEERABHADRAPPA G 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2168 2 G VANDANA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2171 1 VIJAY KUMAR N 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2171 2 SHARADHA N 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2177 1 KEMPAIAH K 65 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2178 1 SAROJAA M 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2180 1 ALEXANDER I 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2180 2 CAROLINE METREETA S 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2182 1 SARASA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2201 1 S RANGANTH BABU 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2201 2 USHA R BABU 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2210 1 CHANDRAHASA S 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2210 2 USHA P 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2211 1 C T KESHAVAMURTHY 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2211 2 DHARANI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2214 1 K CHELLAPPAN 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2214 2 PRABHA CHELLAPAN 65 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2216 1 I K GANAPATHY 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2216 2 POOVAMMA GANAPATHY 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2217 1 MADHVA UPADHYAYA K 69 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2220 1 C PADMANABHA SUVARNA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2220 2 PREMA P SUVARNA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2225 1 UPADHYA A V 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2225 2 PADMAJA A UPADHYA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2229 1 DHODDI SRIHARI RAO 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2229 2 DR G UMADEVI 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2232 1 MAYURA RANGANATH 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2241 1 J VAMAN 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2241 2 PUSHPALATHA K 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2243 1 S VISWANATH 74 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2243 2 V NALINI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2244 1 N GURUMURTHY 69 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 2249 1 MUNIRAJ R 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2249 2 KAMALAMMA 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2257 1 ABDUL SUBHAN 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2257 2 PARYJAN 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2260 1 M MAPANNA BHAT 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2260 2 M B SUMATHI 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2262 1 K RAGAHUNATHAN PILLAI 59 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2262 2 SREELEKHA S 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2273 1 A M LOKAIAH 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2273 2 SHARADHA S R 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2280 1 K S NAGARAJ 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2280 2 SANDHYA 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2282 1 DODEGOWDA S M 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2282 2 JYOTHI LAKSHMI 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2283 1 R BHANUMATHI 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2284 1 SHESHAGIRI B M 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2284 2 GAYATHRI H N 62 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2287 1 CHACKOCHAN C I 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2287 2 USHA BABY C I 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2297 1 G MAGHENDRAN 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2297 2 R PRAMILA 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2306 1 G V RAMESH 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2306 2 VASANTHA RAMESH 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2315 1 DATHATHREYA S 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2315 2 K KASTURI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2318 1 KK SUBRAMANIAN 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2318 2 SASIKALA SUBRAMANIAN 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2320 1 SHIVALINGAPPA 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2320 2 CHANDRAMMA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2323 1 SHIVAPRAKASHAN V V 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2323 2 REENA P V 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2324 1 A ABDUL SALAM 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2324 2 HIFZUNNISA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2328 1 G P MAHESWARAPPA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2328 2 GIRIJA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2336 1 KODANDA RAM 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2336 2 S R GEETHA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2344 1 GURULINGAPPA SAVADI 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2344 2 SAROJINI G SAVADI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2346 1 P G SHIVA KUMAR 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2346 2 K PREMA 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2350 1 S RATHNAKAR 70 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2350 2 MADHURAJI 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2359 1 M ANANDAPPA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2359 2 BG MANJULA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2365 1 RAJA KUMAR JOHNSTON 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2365 2 SUNITHA MANI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2380 1 R N SWAMY RAO 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2380 2 NAGAVENI S RAO 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 2381 1 DANIEL RAJPRASAD 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 2381 2 IRIS SHOBHA 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 2382 2 CR MEERA 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 2399 2 USHA NAGARAJ 63 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 2416 2 T UMA DEVI 56 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3011 2 RENUKA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3012 1 C S DATTATRI 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3012 2 PRABHA 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3013 1 G JAYAPPA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3013 2 S SUNANDA 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3015 1 S SATHYANARAYANA RAO 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3015 2 KALAVATHI S S RAO 66 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3016 2 ELIZABETH OOMMEN 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3017 2 S VIJAYALAKSHMI 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3024 2 B RUKMINI 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3026 2 G Y SHARADHA 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3027 2 JOYCE GLADYS CARDOZA 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3042 2 K S USHA 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3044 1 Y R SAMBASHIVAIAH 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3044 2 C S VEENA 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3046 2 B N RAJALAKSHMI 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3054 2 VASANTHI K C SASTRY 60 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3056 2 NAGARATHNA MM 58 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3057 2 VANDANA 53 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3059 1 B N SRIDHAR 61 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3063 1 M R PATTAN 60 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3064 1 R HANUMANTHE GOWDA 66 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3064 2 H V RADHA 60 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3068 2 S S RATHNA 59 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3077 2 NEERA PRASAD 61 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3078 1 LOKANATH D 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3078 2 JAYANTHI LOKANATH 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3081 1 SARASWATHI 65 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3081 2 R JAYARAJ 65 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 3083 1 D M SHIVAPPA 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3083 2 H S RENA 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3086 2 S P KALYANAMMA 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3087 2 KRIPA KUMARI 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3090 2 J SHYAMALA 62 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3092 2 PREMA M SHET 56 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3093 2 OMAN KUMARI 60 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3099 2 T S HEMAVATHI 53 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3101 2 SAROJA S RAO 69 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3109 2 NAGARATHAMMA 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3136 1 K J NAGARAJAIAH 73 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3136 2 PREMALATHA 62 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3137 2 JAYALAKSHMI 61 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3180 2 K M GEETHA 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3186 1 V VENKATESH RAO 69 Male Self 400000
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MDIndia Health Insurance TPA Pvt Ltd 3215 2 RATHNA 59 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3218 2 KAMALA RAGHAVENDRA 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3330 1 CHANDRASEKARAN A 70 Male Self 400000
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MDIndia Health Insurance TPA Pvt Ltd 3564 2 M V SARASWATHAMA 59 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3570 2 M S USHA 57 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3577 2 SUDHA J JOSHI 65 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3594 2 SAROJA S BAGALI 54 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3610 2 AJITHA 53 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3628 2 AKKAMAHADEVI 59 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3633 2 SUDHA BHARATH 59 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3639 2 MAYA SHANBAGH 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3645 1 K B DALLY 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3645 2 K C AMMAIAH 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3654 1 K G VIJAYA KUMAR 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3654 2 C SUMA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3656 1 PARVATHI 51 Female Spouse
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MDIndia Health Insurance MDIndia Health Insurance TPA Pvt Ltd 3670 1 JAMES P MATHEW 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3670 2 SUSAN A V 56 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3672 2 NAGAMANI S 55 Female Spouse
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MDIndia Health Insurance TPA Pvt Ltd 3674 2 MUMTAZ 47 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3679 1 ABDUL RAHIMAN 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3679 2 ZULAIKA 47 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3683 1 PRAKASH SANDUR VEERAPPA 57 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3683 2 SUMANGALA PRAKASH 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3684 1 S NARAYAN SHETTY 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3684 2 S RENUKA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3686 1 RICHARD MACHADO 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3686 2 JANE MACHADO 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3687 1 MOHAMED NISAR AHMED 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3687 2 NAJEEBA KHUNUM 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3695 1 CHANNABASAPPA V ROTTI 56 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3695 2 BHARATHI C ROTTI 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3700 1 BS NARASIMHA MURTHY 57 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3700 2 LALITHAMBA 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3702 1 METILDA PAIS 63 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3704 1 A K MISHRA 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3704 2 INDU MISHRA 66 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3707 1 G K MOHANA 60 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3707 2 K MOHAN SUNDAR 56 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 3711 1 ARUN NARAYAN SHETTY 56 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3711 2 RAJESHWARI ARUN SHETTY 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3714 1 GANESH 54 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3714 2 ROOPRALATHA 44 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3720 1 RAGHAVENDRA M L 54 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3720 2 SUVARNA H N 48 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3721 1 A ANTONY PORSELVI 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3724 1 SMT I BHARATHI 61 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3724 2 N B SUNDARESHAN 66 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 3732 1 H TARA BAI 68 Female Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3732 2 K RAMESH KAMATH 66 Male Spouse
MDIndia Health Insurance TPA Pvt Ltd 3750 1 BALASUBRAMANYA 59 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3750 2 SHARADAMBA M A 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3755 1 MAHALINGAPPA S 56 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3755 2 SHOBHA KT 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3759 1 RONALD D SOUZA 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3759 2 ELVERA D SOUZA 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3769 1 MANJUNATHA PRASAD K 57 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3769 2 ASHAGOWRY K S 49 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3778 1 K A SHASHIKALA 45 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3779 1 MURALI 54 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3779 2 VEENA 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3780 1 PARTHASARATHY 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3780 2 GEETHA 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3785 1 NAGESH KOTIAN 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3785 2 PARVATHI 42 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3786 1 SISILY ANDREW 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3787 1 K GANGADHARA 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3787 2 PUSHPA 55 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3800 1 G PADMANABHAN NAME CHANGED TO
MOHAMMED FAIROZ 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3800 2 SHAMEEM BANU 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3810 1 P SETHUMADHAVAN 69 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3810 2 K DAMAYANTHI 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3834 1 DIWAKAR KORE S 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3834 2 JAYASHREE N 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3867 1 IBRAHIM KHALILULLAH 63 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3871 1 ARJUN DEVARUSHI 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3871 2 SUNITHA 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3872 1 P M ISMAIL 72 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3872 2 SARAMMA 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3874 1 D MANJUNATHA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3874 2 VISHALAKSHI 57 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3883 1 SOMASHEKAR M KITTUR 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3883 2 KITTUR SHARADABEN 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3908 1 B A SEETHARAM 68 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3908 2 SUMA S BHAT 64 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3909 1 C P CHANDRAMOULI 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3909 2 M CHANDRAKALA 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3915 1 SARATCHANDRAN NAIR B 70 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3926 1 V MUNIYANDI 63 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3926 2 KALAIYARASI 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3930 1 MANJUNATHA UPADHYA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3930 2 ANASUYA 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3957 1 PILLALA LAKSHMANA RAO 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3957 2 PILLALA TAPATESHWARI 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3959 1 MANGALA GOWRI 59 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3967 1 N GANGAPPA 67 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3967 2 G ANUSUYA DEVI 47 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3971 1 RAMAMURTHY 60 Male Self 200000
MDIndia Health Insurance TPA Pvt Ltd 3977 1 P N SURESH 61 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3977 2 LAKSHMI DEVI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 3986 1 DODDAVEERACHARI 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 3986 2 MADHU KUMARI 46 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4002 1 SURESH L MORE 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4002 2 REKHA MORE 52 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4025 1 B ANWAR BEIG 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4025 2 SHAMEEMUNISSA BEGUM 59 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4039 1 VENKATARAMANA K G 59 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4039 2 VEEEN M S 47 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4055 1 H N SUBRAMANYA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4055 2 K N SUJATHA 54 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4061 1 K PANCHAKSHARAPPA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4061 2 S T NETHRAVATHI 56 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4068 1 GOPINATH H NAIK 58 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4068 2 SUJATHA G NAIK 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4071 1 INDUPRASAD 66 Female Self 200000
MDIndia Health Insurance TPA Pvt Ltd 4073 1 BHIMANNA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4073 2 RUKMINI 48 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4078 1 CHANDRAN M 62 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4078 2 SAROJA 51 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4085 1 GURUNATH D 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4085 2 MALA G D 48 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4088 1 SHIVASHARANAPPA 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4088 2 SAROJINI 53 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4097 1 DR A BHASKAR RAO 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4097 2 M SUBHASHINI 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4116 1 M T RATHNA 60 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4127 1 NEELAPP B PATIL 60 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4127 2 SHAMALA N PATIL 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4128 1 LOUIS MISQUITH 59 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4128 2 FRANCISCA LUCY CRASTA 63 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4130 1 ANNAPPA G 54 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4130 2 SHANTHA S 50 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4133 1 MAXI PINTO 64 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4133 2 USHA PINTO 58 Female Spouse
MDIndia Health Insurance TPA Pvt Ltd 4140 1 KAMALAKSHA B K 65 Male Self 400000
MDIndia Health Insurance TPA Pvt Ltd 4140 2 ARUNA K 55 Female Spouse
PREMIUM INSTALLMENT CLAUSE
It is hereby understood and agreed that the premium shall be paid in the following installments:-
SR.NO NET PREMIUM ( ) CGST ( ) SGST ( ) STAMP DUTY ( ) TOTAL ( ) RECEIVED PAYABLE ON OR BEFORE
Installment 1 6,125,050.00 551,255.00 551,254.00 1.00 7,227,559.00 23/01/2019 Installment 2 6,125,050.00 551,255.00 551,254.00 NA 7,227,559.00 09/04/2019 Installment 3 6,125,050.00 551,255.00 551,254.00 NA 7,227,559.00 09/07/2019 Installment 4 6,125,050.00 551,253.00 551,256.00 NA 7,227,559.00 09/10/2019
Nevertheless it is further understood and agreed that: Notwithstanding any provision as to notice of cancellation contained in this Policy, it is a condition that in the event of any installment not being paid by its due date the cover afforded by this Policy shall be deemed to have ceased at midnight of such due date. In the event of a claim hereunder which exceeds the installments of premium paid on this Policy the installments of premium then outstanding shall become payable forthwith.
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
UNITED INDIA INSURANCE COMPANY LIMITEDREGD.& HEAD OFFICE : No.24, WHITES ROAD, CHENNAI-600014
GROUP HEALTH POLICY
1 WHEREAS the insured designated in the Schedule hereto has by a proposal and declaration dated as stated in the Schedule which shall be the basis of this Contract and is deemed to be incorporated herein has applied to UNITED INDIA INSURANCE COMPANY LTD. (hereinafter called the COMPANY) for the insurance hereinafter set forth in respect of Employees/Members (including their eligible family members) named in the Schedule hereto (hereinafter called the INSURED PERSON) and has paid premium as consideration for such insurance.
1.1 NOW THIS POLICY WITNESSES that subject to the terms, conditions, exclusions and definitions contained herein or endorsed, or
otherwise expressed hereon the Company undertakes that if during the period stated in the Schedule or during the continuance of this policy by renewal any insured person shall contract any disease or suffer from any illness (hereinafter called DISEASE) or sustain any bodily injury through accident (hereinafter called INJURY) and if such disease or injury shall require any such insured Person, upon the advice of a duly qualified Physician/Medical Specialist/Medical practitioner (hereinafter called MEDICAL PRACTITIONER) or of a duly qual i f ied Surgeon (hereinafter cal led SURGEON) to incur hospital isation/domici l iary hospital isation expenses for medical/surgical treatment at any Nursing Home/Hospital in India as herein defined (hereinafter called HOSPITAL) as an inpatient, the Company will pay through TPA to the Hospital / Nursing Home or Insured the amount of such expenses incurred as are Medically Necessary and reasonable and customary in respect thereof by or on behalf of such Insured Person but not exceeding the Sum Insured in aggregate in any one period of insurance stated in the schedule hereto.
1.2 In the event of any claim becoming admissible under this scheme, the company will pay through TPA to the Hospital / Nursing
Home or insured person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred thereof by or on behalf of such insured person but not exceeding the Sum Insured in aggregate mentioned in the schedule hereto.
A. Room, Boarding and Nursing expenses as provided by the Hospital/Nursing Home not exceeding 1% of the sum insured per day or the actual amount whichever is less. This also includes nursing care, RMO charges, IV Fluids/Blood transfusion/injection administration charges and similar expenses.
B. Intensive Care Unit (ICU) expenses not exceeding 2% of the sum insured per day or actual amount whichever is less. C. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees D. Anesthetic, Blood, Oxygen, Operation Theatre Charges, surgical appliances, Medicines & Drugs, Dialysis, Chemotherapy,
Radiotherapy, Cost of Artif icial Limbs, cost of prosthetic devices implanted during surgical procedure l ike pacemaker, orthopaedic implants, infra cardiac valve replacements, vascular stents, relevant laboratory/diagnostic tests, X-ray and such similar expenses that are medically necessary.
E. Hospitalisation expenses (excluding cost of organ) incurred for/by donor in respect of organ transplant to the insured. Note: 1. The amount payable under 1.2 C & D above shall be at the rate applicable to the entitled room category. In case the Insured
person opts for a room with rent higher than the entitled category as in 1.2 A above, the charges payable under 1.2 C & D shall be limited to the charges applicable to the entitled category. This will not be applicable in respect of medicines & drugs and implants. 2. No payment shall be made under 1.2 C other than as part of the hospitalisation bill.
1.2.1 Expenses in respect of the following specified illnesses/surgeries will be restricted as detailed below: Hospitalisation Benefits LIMITS per surgery RESTRICTED TO
a.Cataract, Hernia,Hysterectomy
b.Major surgeries*
a.Actual expenses incurred or 25% of the sum insured whichever is less
b.Actual expenses incurred or 70% of the Sum Insured whichever is less
* Major surgeries include Cardiac surgeries, Brain Tumor surgeries, Pacemaker implantation for sick sinus syndrome, Cancer surgeries, Hip, Knee, joint replacement surgery, Organ Transplant. * The above limits specified are applicable per hospitalization/surgery.
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
1.3 Pre and Post Hospitalisation expenses payable in respect of each hospitalisation shall be the actual expenses incurred subject to a maximum of 10% of the Sum Insured.
1.4 In addition to the above, the following would apply to claims arising out of persons aged more than 60 years
EXPENSES ON MAJOR ILLNESSES CHARGED AS A TOTAL PACKAGE
TO BE SETTLED WITH A CO-PAY ON 80:20 BASIS. The co-pay of 20% will be applicable on the admissible claim amount.
2. DEFINITIONS: 2.1 ACCIDENT: An accident is a sudden, unforeseen and involuntary event caused by external, visible and violent means. 2.2 A. "Acute condition"-Acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return
the person to his or her state of health immediately before suffering the disease/illness/injury which leads to full recovery. B. "Chronic condition"-A chronic condit ion is def ined as a disease, i l lness, or injury that has one or more of the fol lowing
characteristics- i. it needs ongoing or long-term monitoring through consultations, examinations, check-ups and/or tests- ii. it needs ongoing or long-term control or relief of symptoms iii. it requires your rehabilitation or for you to be specially trained to cope with it iv. it continues indefinitely v. it comes back or is likely to come back. 2.3 ALTERNATIVE TREATMENT:
Alternative treatments are forms of treatments other than treatment "Allopathy" or "modern medicine" and includes Ayurveda, Unani, Siddha and Homeopathy in the Indian context.
2.4 ANY ONE ILLNESS: Any one illness will be deemed to mean continuous period of illness and it includes relapse within 45 days from the date of last consultation with the Hospital / Nursing Home where treatment has been taken.
2.5 CASHLESS FACILITY: Cashless facility "means a facility extended by the insurer to the insured where the payments, of the cost of treatment undergone by the insured in accordance with the policy terms and conditions, or directly made to the network provider by the insurer to the extent pre-authorisation approved.
2.6 CONGENITAL ANOMALY: Congenital Anomaly refers to a condition(s) which is present since birth, and which is abnormal with reference to form, structure or position. a .Internal Congenital Anomaly Which is not in the visible and accessible parts of the body. b.External Congenital Anomaly Which is in the visible and accessible parts of the body.
2.7 CONDITION PRECEDENT: Condition Precedent shall mean a policy term or condition upon which the Insurer's liability under the policy is conditional upon.
2.8 CONTRIBUTION: Contribution is essentially the right of an insurer to call upon other insurers liable to the same insured to share the cost of an indemnity claim on a rateable proportion.
2.9 DAY CARE CENTRE: A day care centre means any institution established for day care treatment of illness and/ or injuries or a medical setup within a hospital and which has been registered with the local authorities, wherever applicable, and is under the supervision of a registered and qualified medical practitioner AND must comply with all minimum criteria as under;- - Has qualified nursing staff under its employment - Has qualified Medical Practitioner(s) in charge - Has a fully equipped operation theatre of its own where surgical procedures are carried out- - Maintains daily records of patients and will make these accessible to the Insurance Company's authorized personnel.
2.10 DAY CARE TREATMENT: Day care Treatment refers to medical treatment and or surgical procedure which is i. undertaken under general or local anaesthesia in a hospital/day care centre in less than 24 hours because of technological
advancement, and ii. which would have otherwise required a hospitalisation of more than 24 hours. Treatment normally taken on an out-patient basis
is not included in the scope of this definition.
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
2.11 DOMICILIARY HOSPITALISATION: Domiciliary Hospitalisation means medical treatment for an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances : a ) The condition of the patient is such that he/she is not in a condition to be removed to a hospital or b) The patient takes treatment at home on account of non-availability of room in a hospital.
2.12 GRACE PERIOD: Grace Period means the specified period of time immediately following the premium due date during which a payment can be made to renew or continue a policy in force without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases. Coverage is not available for the period for which no premium is received.
2.13 HOSPITAL/NURSING HOME: A Hospital means any institution established for in-patient care and day care treatment of illness and/or injuries and which has been registered as a Hospital with the local authorities under the Clinical establishments (Registration and Regulation) Act, 2010 or under the enactments specified under the Schedule of Section 56(1) of the said Act OR complies with all minimum criteria as under - Has qualified nursing staff under its employment round the clock. - Has at least 10 in-patient beds in towns having a population of less than 10 lacs and at least 15 in-patient beds in all other places; - Has qualified medical practitioner(s) in charge round the clock; - Has a fully equipped Operation Theatre of its own where surgical procedures are carried out; - Maintains daily records of patients and makes these accessible to the insurance company's authorized personnel.
2.14 HOSPITALIZATION: Hospitalization means admission in a Hospital/Nursing Home for a minimum period of 24 consecutive hours of inpatient care except for specified procedures/treatments, where such admission could be for a period of less than 24 consecutive hours
2.15 ID CARD: ID card means the identity card issued to the insured person by the TPA to avail cashless facility in network hospitals.
2.16 ILLNESS: Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function which manifests itself during the policy period and required medical treatment.
2.17 INJURY : Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent and visible and evident means which is verified and certified by a Medical Practitioner.
2.18 IN-PATIENT CARE: In-patient care means treatment for which the insured person has to stay in a hospital for more than 24 hours for a covered event.
2.19 INTENSIVE CARE UNIT: Intensive Care Unit means an identifies section, ward or wing of a Hospital which is under the constant supervision of a dedicated medical practitioner(s) and which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition, or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards.
2.20 MATERNITY EXPENSES: Maternity expenses/treatment shall include: a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during
hospitalization). b) Expenses towards lawful medical termination of pregnancy during the policy period.
2.21 MEDICAL ADVICE: Any consultation or advice from a medical practitioner/doctor including the issue of any prescription or repeat prescription.
2.22 MEDICAL EXPENSES: Medical expenses-Medical Expenses means those expenses that an Insured person has necessarily and actually incurred for medical treatment on account of illness or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment.
2.23 MEDICALLY NECESARY: Medically necessary treatment is defined as any treatment, test, medication or stay in hospital or part of a stay in a hospital which
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
- Is required for the medical management of the illness or injury suffered by the insured; - Must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration or
intensity; - Must have been prescribed by a Medical Practitioner; - Must confirm to the professional standards widely accepted in international medical practice or by the medical community in
India.
2.24 MEDICAL PRACTITIONER: Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or Medical Council of India or Council for Indian Medicine or the homeopathy set up by the Government of India or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within the scope and jurisdiction of his l icense. The term medical practitioner would include physician, specialist and surgeon. (The Registered practitioner should not be the insured or close family members such as parents, in-laws, spouse and children.)
2.25 NETWORK PROVIDER: Network Provider means hospitals or health care providers enlisted by an insurer or by a TPA and insurer together to provide medical services to an insured on payment by a cashless facility. The list of network hospitals is maintained by and available with the TPA and the same is subject to amendment from time to time. Preferred Provider Network means a network of hospitals which have agreed to a cashless packaged pricing for certain procedures for the insured person. The list is available with the company/TPA and subject to amendment from time to time. Reimbursement of expenses incurred in PPN for the procedures (as listed under PPN package) shall be subject to the rates applicable to PPN package pricing.
2.26 NEW BORN BABY: A new born baby means baby born during the Policy Period aged between one day and 90 days, both days inclusive.
2.27 NON-NETWORK Any hospital, day care centre or other provider that is not part of the network.
2.28 NOTIFICATION OF CLAIM Not i f icat ion of c la im is the process of not i fy ing a c la im to the insurer or TPA by speci fy ing the t imel ines as wel l as the address/telephone number to which it should be notified.
2.29 OPD TREATMENT: OPD Treatment is one in which the insured visits a clinic/hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of medical a practitioner. The insured is not admitted as a day care or in-patient.
2.30 PRE-EXISTING DISEASE Pre Existing Disease is any condition, ailment or injury or related condition(s) for which you ad signs or symptoms, and/or were diagnosed, and/or received medical advice/treatment, within 48 months prior to the first policy issued by the insurer.
2.31 PORTABILITY: Portability means transfer by an individual health insurance policyholder (including family cover) of the credit gained for pre-existing conditions and time-bound exclusions if he/she chooses to switch from one insurer to another.
2.32 PRE-HOSPITALISATION MEDICAL EXPENSES Medical expenses incurred immediately 30 days before the insured person is hospitalized will be considered as part of a claim as mentioned under Item 1.2 above provided that; i. Such Medical expenses are incurred for the same condition for which the Insured Person's Hospitalisation was required; and ii. The In-patient Hospitalisation claim for such Hospitalisation is admissible by the Insurance Company
2.33 POST HOSPITALISATION MEDICAL EXPENSES: Relevant medical expenses incurred immediately 60 days after the Insured person is discharged from the hospital provided that ; a . Such Medical expenses are incurred for the same condition for which the Insured Person's Hospitalisation was required; and b. The In-patient Hospitalisation claim for such Hospitalisation is admissible by the Insurance Company.
2.34 QUALIFIED NURSE: Qualified Nurse is a person who holds a valid registration from the Nursing Council of India or the Nursing Council of any state in India.
2.35 REASONABLE AND CUSTOMARY CHARGES: Reasonable Charges means the charges for services or supplies, which are the standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/injury involved.
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
2.36 RENEWAL: Renewal defines the terms on which the contract of insurance can be renewed on mutual consent with a provision of grace period for treating the renewal continuous for the purpose of all waiting periods.
2.37 ROOM RENT Room rent shall mean the amount charged by a hospital for the Occupancy of a bed on per day (24 hours) basis and shall include associated medical expenses.
2.38 SUBROGATION Subrogation shall mean the right of the insurer to assume the rights of the insured person to recover expenses paid out under the policy that may be recovered from any other source.
2.39 SURGERY: Surgery or Surgical Procedure means manual and/or operative procedure(s) required for treatment of an illness or injury, correction of deformities and defects, diagnosis and cure of diseases, relief of suffering or prolongation of life, performed in a hospital or day care centre by a Medical Practitioner.
2.40 THIRD PARTY ADMINISTRATOR TPA means a Third Party Administrator who holds a valid License from Insurance Regulatory and Development Authority to act as a THIRD PARTY ADMINISTRATOR and is engaged by the Company for the provision of health services as specified in the agreement between the Company and TPA.
2.41 UNPROVEN/EXPERIMENTAL TREATMENT Unproven/Experimental treatment is treatment, including drug Experimental therapy, which is not based on established medical practice in India.
3. COVERAGES: 3.1 Expenses on Hospitalisation for minimum period of 24 hours are admissible. However, this time limit is not applied to specific
treatments, such as
1. Adenoidectomy 19. FESS
2. Appendectomy 20. Haemo dialysis
3. Ascitic/Pleural tapping 21. Fissurectomy/Fistulectomy
4. Auroplasty 22. Mastoidectomy
5. Coronary angiography 23. Hydrocele
6. Coronary angioplasty 24. Hysterectomy
7. Dental surgery 25. Inguinal/ventral/umbilical/ Femoral hernia
8. Dilatation & Curettage 26. Parenteral chemotherapy
9. Endoscopies 27. Polypectomy
10. Excision of Cyst/Granuloma/lump 28. Septoplasty
11. Eye surgery 29. Piles/fistula
12. Fracture/dislocation excluding hairline fracture
30. Prostate
13. Radiotherapy 31. Sinusitis
14. Lithotripsy 32. Tonsilectomy
15. Incision and drainage of abcess 33. Liver aspiration
16. Colonoscopy 34. Sclerotherapy
17. Varicocelectomy 35. Varicose Vein Ligation
18. Wound suturing
This condition will also not apply in case of stay in hospital of less than 24 hours provided -
a . The treatment is undertaken under General or Local Anesthesia in a hospital/day care centre in less than 24 hours because of technological advancement and
b. Which would have otherwise required a hospitalisation of more than 24 hours.
Procedures/treatments usually done in out patient department are not payable under the policy even if converted as an in-patient in the hospital for more than 24 hours or carried out in Day Care Centres.
3.2 Domiciliary Hospitalisation means medical treatment for a period exceeding three days for such an illness/disease/injury which in the normal course would require care and treatment at a hospital but is actually taken while confined at home under any of the following circumstances : a . The condition of the patient is such that he/she is not in a condition to be removed to a hospital or b. The patient takes treatment at home on account of non-availability of room in a hospital.
POLICY NO.:0716002818P113720603
UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
Subject however that domiciliary hospitalisation benefits shall not cover:i) Expenses incurred for pre and post hospital treatment andii) Expenses incurred for treatment for any of the following diseases:-
a. Asthmab. Bronchitisc. Chronic Nephritis and Nephritic Syndromed. Diarrhoea and all type of Dysenteries including Gastroenteritise. Diabetes Mellitus and Insipidusf. Epilepsyg. Hypertension h. Influenza, Cough and Coldi. All Psychiatric or Psychosomatic Disordersj. Pyrexia of unknown Origin for less than 10 days
k . Tonsillitis and Upper Respiratory Tract infection including Laryngitis and pharangitisl. Arthritis, Gout and Rheumatism
Liability of the company under this clause is restricted as stated in the Schedule attached hereto 3.3 For Ayurvedic Treatment, hospita l isat ion expenses are admissib le only when the treatment has been undergone in a
Government Hospital or in any Institute recognised by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.
Company's Liability for all claims admitted in respect of any/all insured person/s during the period of insurance shall not exceed the Sum Insured stated in the schedule.
4. Exclusions:
The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever incurred by any Insured Person in connection with or in respect of: 4.1 Any pre-existing condition(s) as defined in the policy, until 48 months of continuous coverage of such insured person have
elapsed, since inception of his/her first Policy with the Company.
4.2 Any disease other than those stated in clause 4.3 below, contracted by the Insured person during the first 30 days from the commencement date of the policy. This exclusion shall not however, apply in case of the Insured person having been covered under an Insurance scheme with our Company for a continuous period of preceding 12 months without any break.
4.3 Unless the Insured has 24 months of continuous coverage, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hyperthrophy, Hysterectomy for Menorrhagia, or Fibromyoma, Hernia, Hydrocele, Congenital internal disease, Fistula in anus, piles, Sinusitis and related disorders, Gall Bladder Stone removal, Gout & Rheumatism, Calculus Diseases are not payable. Internal Congenital Disease means anomaly which is not visible and accessible parts of the body.
4.4 Unless the Insured has 48 months of continuous coverage, the expenses related to treatment of Joint Replacement due to Degenerative Condition and age-related Osteoarthritis & Osteoporosis are not payable.
If these diseases mentioned in Exclusion no.4.3 and 4.4 (other than Congenital Internal Diseases) are pre-existing at the time of proposal they will not be covered even during subsequent period of renewal subject to the pre-existing disease exclusion clause. If the Insured is aware of the existence of congenital internal disease before inception of the policy, the same will be treated as pre-existing.
4.5 Injury / disease directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign enemy, War like operations (whether war be declared or not).
4.6 a.Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an accident. b.Vaccination or inoculation c. Change of life or cosmetic or aesthetic treatment of any description such as correction of eyesight, etc. d Plastic surgery other than as may be necessitated due to an accident or as a part of any illness.
4.7 Cost of spectacles, contact lenses and hearing aids.
4.8 Dental treatment or surgery of any kind unless necessitated by accident and requiring hospitalisation.
4.9 Convalescence, general debility; run-down condition or rest cure, obesity treatment and its complications including morbid obesity, Congenital external disease or defects or anomalies, treatment relating to all psychiatric and and psychomatic disorders. Infertility, Sterility, Venereal disease, intentional self injury and use of intoxication drugs / alcohol
4.10 All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB - III) or lymphadinopathy Associated Virus (LAV) or the Mutants Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS.
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UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
4.11 Charges incurred at Hospital or Nursing Home primarily for diagnosis, x-ray or Laboratory examinations or other diagnostic studies
not consistent with or incidental to the diagnosis and treatment of positive existence or presence of any ailment, sickness or injury, for which confinement is required at a Hospital / Nursing Home
4.12 Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the attending physician
4.13 Injury or Disease directly or indirectly caused by or contributed to by nuclear weapon / materials
4.14 Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion or complications of any of these including caesarean section, except abdominal operation for extra uterine pregnancy (Ectopic Pregnancy) which is proved by submission of Ultra Sonographic report and Certificate of Gynaecologist that it is life threatening one if left untreated.
4.15 Naturopathy Treatment, acupressure, acupuncture, magnetic therapies, experimental and unproven treatments/therapies. Treatment including drug experimental therapy which is not based on establ ished medical practice in India, is treatment experimental or unproven.
4.16 External and or durable Medical / Non-medical equipment of any kind used for diagnosis and/or treatment and/or monitoring and/or maintenance and/or support including CPAP, CAPD, Infusion pump, Oxygen concentrator etc., Ambulatory devices i.e., walker, crutches, Belts, Collars, Caps, Splints, Slings, Braces, Stockings, elastrocepe bandages, external orthopaedic pads, sub cutaneous insulin pump, Diabetic foot wear, Glucometer/Thermometer, alpha/water bed and similar related items etc. and also any medical equipment, which are subsequently used at home.
4.17 Genetic disorders and stem cell implantation/surgery.
4.18 Change of treatment from one system of medicine to another unless recommended by the consultant/hospital under whom the treatment is taken.
4.19 Treatment for Age Related Mascular Degeneration (ARMD), treatment such as Rotational Field Quantum Magnetic Resonance (RFQMR), Enhanced External Counter Pulsation (EECP), etc.
4.20 All non-medical expenses including convenience items for personal comfort such as charges for telephone, television, ayah, private nursing/barber or beauty services, diet charges, baby food, cosmetic, tissue paper, diapers, sanitary pads, toiletry items and similar incidental expenses.
4.21 Any kind of Service charges, Surcharges, Admission Fees/Registration Charges, Luxury tax and similar charges levied by the hospital.
4.22 All non-Medical expenses. For detailed list of non-medical expenses, please log on to our website www.uiic.co.in.
5. CONDITIONS:
5.1 Contract: The Proposal form, Prospectus, Pre-acceptance Health check-up and the Policy issued shall constitute complete Contract of Insurance.
5.2 Every notice or communication regarding hospitalization or claim to be given or made under this Policy shall be delivered in writing at the address of the TPA office as shown in the Schedule. Other matters relating to the policy may be communicated to the policy issuing office.
5.3 The premium payable under this Policy shall be paid in advance. No receipt for Premium shall be valid except on the official form of the company signed by a duly authorised official of the company. The due payment of premium and the observance and fulfilment of the terms, provisions, conditions and endorsements of this Policy by the Insured Person in so far as they relate to anything to be done or complied with by the Insured Person shall be a condition precedent to any liability of the Company to make any payment under this Policy. No waiver of any terms, provisions, conditions and endorsements of this policy shall be valid unless made in writing and signed by an authorised official of the Company.
5.4 Notice of Communication: Upon the happening of any event which may give rise to a claim under this Policy notice with full particulars shall be sent to the TPA named in the schedule immediately and in case of emergency hospitalization within 24 hours from the time of Hospitalisation/Domiciliary Hospitalisation
5.5 All supporting documents relating to the claim must be filed with TPA within 15 days from the date of discharge from the hospital.In case of post-hospitalisation, treatment (limited to 60 days), all claim documents should be submitted within 7 days after completion of such treatment.
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Note:Waiver of this Condition may be considered in extreme cases of hardship where it is proved to the satisfaction of the Company that under the circumstances in which the insured was placed it was not possible for him or any other person to give such notice or file claim within the prescribed time-limit.
5.6 The Insured Person shall obtain and furnish to the TPA with all original bills, receipts and other documents upon which a claim is based and shall also give the TPA / Company such additional information and assistance as the TPA / Company may require in dealing with the claim.
5.7 Any medical practitioner authorised by the TPA / Company shall be allowed to examine the Insured Person in case of any alleged injury or disease leading to Hospitalisation if so required.
5.8 The Company shall not be liable to make any payment under this policy in respect of any claim if such claim be in any manner fraudulent or supported by any fraudulent means or device whether by the Insured Person or by any other person acting on his behalf.
5.9 DISCLOSURE TO INFORMATION NORM The Policy shall be void and all premium paid hereon shall be forfeited to the Company, in the event of misrepresentation, mis-description or non-disclosure of any material fact.
5.10 If at the time when a claim arises under the policy, there is in existence any other insurance taken by the insured to indemnify thetreatment costs, the insured person shall have the right to require a settlement of the claim in terms of any of his policies. If the amount to be claimed exceeds the sum insured under a single policy, after considering deductibles or co-pay, the insured person shall have the right to choose the insurers by whom the claim is to be settled. In such cases, the Company shall not be liable to pay or contribute more than its rateable proportion of any loss, liability, compensation costs or expenses. Note: The insured person must disclose such other insurance at the time of making the claim under this policy.
5.11 The Policy may be renewed by mutual consent and in such event the renewal premium shall be paid to the Company on or before the date of expiry of the Policy or of the subsequent renewal thereof.The Company shall not be bound to give notice that such renewal premium is due, provided however that if the insured shall apply for renewal and remit the requisite premium before the expiry of this policy, renewal shall not normally be refused, unless the Company has reasonable justification to do so.
5.12 ENHANCEMENT OF SUM INSURED
The insured may seek enhancement of Sum Insured in writing at or before payment of premium for renewal, which may be granted at the discretion of the Company. However, notwithstanding enhancement, for claims arising in respect of ailment, disease or injury contracted or suffered during a preceding policy period, liability of the company shall be only to the extent of the Sum Insured under the policy in force at the time when it was contracted or suffered during the currency of such renewed policy or any subsequent renewal thereof.
Any such request for enhancement must be accompanied by a declaration that the insured or any other insured person in respect of whom such enhancement is sought is not aware of any symptoms or other indications that may give rise to a claim under the policy. The Company may require such insured person/s to undergo a Medical examination to enable the company to take a decision on accepting the request for enhancement in the Sum Insured.
5.13 Cancellation Clause :
The Company may at any time cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact or non-cooperation by the insured by sending fifteen days notice in writing by Registered A/D to the insured at his last known address in which case the Company shall return to the insured a proportion of the last premium corresponding to the unexpired period of insurance if no claim has been paid under the policy. The insured may at any time cancel this policy and in such event the Company shall allow refund of premium at Company's short period rate table given below provided no claim has occurred upto the date of cancellation.
PERIOD ON RISK RATE OF PREMIUM TO BE CHARGED.
Upto one month 1/4 th of the annual rate
Upto three months 1/2 of the annual rate
Upto six months 3/4th of the annual rate
Exceeding six months Full annual rate.
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UIN NO. IRDA/NL-HLT/UII/P-H/V.1/236/13-14
5.14 If any dispute or difference shall arise as to the quantum to be paid under the policy (liability being otherwise admitted) such difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by the parties or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in accordance with the provisions of the Arbitration and Conciliation Act, 1996. It is clearly agreed and understood that no difference or dispute shall be referable to arbitration as herein before provided, if the Company has disputed or not accepted liability under or in respect of this Policy. It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this policy that award by such arbitrator/arbitrators of the amount of the loss or damage shall be first obtained.
5.15 If the TPA, as per terms and condit ions of the policy or the Company shall disclaim l iabi l ity to the Insured for any claim hereunder and if the Insured shall not within 12 calendar months from the date or receipt of the notice of such disclaimer notify the TPA/ Company in writing that he does not accept such disclaimer and intends to recover his claim from the TPA/Company then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder.
5.16 All medical/surgical treatments under this policy shall have to be taken in India and admissible claims thereof shall be payable in Indian currency. Payment of claim shall be made through TPA to the Hospital/Nursing Home or the Insured Person as the case may be. Upon acceptance of an offer of settlement, the payment of amount due shall be made within 7 days from the date of acceptance of offer by the Insured. In the cases of delay in the payment, the insurer shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed by it.
5.17 Low Claim Ratio Discount (Bonus)
Low Claim Ratio Discount at the following scale will be allowed on the total premium at renewal only depending upon the incurred claim ratio for the entire group insured under the Group Mediclaim Insurance Policy for the preceding 3 completed years excluding the year immediately preceding the date of renewal where the Group Mediclaim Insurance Policy has not been in force for 3 completed years, such shorter period of completed years excluding the year immediately preceding the date of renewal will be taken in to account
Incurred Claim ratio under the group policy Discount %
Not exceeding 60% 5
Not exceeding 50% 15
Not exceeding 40% 25
Not exceeding 30% 35
Not exceeding 25% 40
5.18 High Claims Ratio Loading (MALUS)
The total premium payable at renewal of the Group Policy will be loaded at the following scale depending upon the incurred claims ratio for the entire group insured under the Group Mediclaim Insurance Policy for the preceding year (immediately preceding the date of renewal).
Incurred claims ratio under this group policy Loading
Between 70% and 100% 25%
Between 101% and 125 % 55%
Between 126 % and 150 % 90%
Between 151 % and 175 % 120%
Between 176 and 200 150%
Over 200 % Cover to be reviewed
Note: 1. Low Claim Ratio Discount (Bonus) or High Claim Ratio loading (Malus) will be applicable to the Premium at renewal of the Policy
depending on the incurred claims Ratio for the entire Group Insured. 2. Incurred claim would mean claims paid plus claims outstanding in respect of the entire group insured under the policy during the
relevant period. The insured shall throughout the period of insurance keep and maintain a proper record of register containing the names of all the insured persons and other relevant details as are normally kept in any institution/ Organisation. The insured shall declare to the company any additions in the number of insured persons as and when arising during the period of insurance and shall pay the additional premium as agreed.
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It is hereby agreed and understood that, that this insurance being a Group Policy availed by the Insured covering Members, the benefit thereof would not be available to Members who cease to be part of the group for any reason whatsoever. Such members may obtain further individual insurance directly from the Company and any claims shall be governed by the terms thereof.
6 MATERNITY EXPENSES BENEFIT EXTENSION: (Wherever applicable)
This is an optional cover, which can be obtained on payment of 10% of total basic premium for all the Insured Persons under the Policy.
Option for Maternity Benefits has to be exercised at the inception of the Policy period and no refund is allowable in case of Insured's cancellation of this option during currency of the policy.
The hospitalization expenses in respect of the new born child can be covered within the Mother's Maternity expenses. The maximum benefit allowable under this clause will be up to Rs. 50,000/- or the sum insured opted by the group whichever is lower.
Special conditions applicable to Maternity expenses Benefit Extension:
1. These Benefits are admissible only if the expenses are incurred in Hospital / Nursing Home as in-patients in India
2. A waiting period of 9 months is applicable for payment of any claim relating to normal delivery or caesarean section or abdominal operation for extra uterine pregnancy. The waiting period may be relaxed only in case of delivery, miscarriage or abortion induced by accident or other medical emergency.
3. Claim in respect of delivery for only first two children and / or operations associated therewith will be considered in respect of any one Insured Person covered under the policy or any renewal thereof. Those Insured Persons who are already having two or more living children will not be eligible for this benefit.
4. Expenses incurred in connection with voluntary medical termination of pregnancy during the first 12 weeks from the date of conception are not covered.
5. Pre-natal and postnatal expenses are not covered unless admitted in Hospital / Nursing Home and treatment is taken there.
Note: When group policy is extended to include Maternity Expenses Benefit, the exclusion No.4.14 of the policy stands deleted.
7 IRDA REGULATIONS : This policy is subject to IRDA (Health Insurance) Regulations 2013 and IRDA (Protection of Policyholders’ Interest) Regulations 2002 as amended from time to time.
8. GRIEVANCE REDRESSAL : In the event of the policyholder having any grievance relating to the insurance, the insured person may submit in writing to the Policy Issuing Office or Grievance cells at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact the Officer, Uni-Customer Care Department, Head Office.
9 IMPORTANT NOTICE
The Company may revise any of the terms, conditions and exceptions of this insurance including the premium payable on renewal in accordance with the guidelines/rules framed by the Insurance Regulatory and Development Authority (IRDA) and after obtaining prior approval from the Authority. We shall notify you of such changes at least three months before the revision are to take effect.
The Company may also withdraw the insurance as offered hereunder after following the due process as laid down by the IRDA and after obtaining prior approval of the Authority and we shall offer to cover you under such revised/new terms, conditions, exceptions and premium for which we shall have obtained prior approval from the Authority.
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