Professional Documents
Culture Documents
da
in s u r a n c e
regulatory and
DEVELOPMENT AUTHORITY
20/02/2013
IR D A / H L T /C IR /03< T /02/2013
A ll C E O S o f
L ife In su rers, N on -L ife In surers, S tan d alon e H ealth In su rers and T P A s
S tandard term s w ould red u ce am biguity, en ab le all stak eh o ld ers to p ro v id e b etter serv ices and
enable cu sto m ers to interact m ore effectively w ith insurers, T P A s and p roviders. A ll insurers
shall adhere to the stipulated d efinitions, annexed at A n n ex u re I, w h ile d efin in g th ese 46 core
term s in all health insurance policies.
2.
In view o f resolving the d ifferen ces in the defin itio n s o f term s on C ritical Illnesses ado p ted by
the different insurers w hich are creatin g confusion in th e m inds o f co n su m ers and th e industry
especially at th e tim e w h en insurers and re-insurers have to arriv e at a p o in t w here lum p sum
paym ent is m ade, 11 C ritical Illness term s have been stan d ard ized to be adopted uniform ly
across industry, if o ffered under the product. A ll p ro d u cts o fferin g the 11 critical illness
coverage shall ensure th a t defin itio n s o f the stated 11 term s are in line w ith the stipulated
d efinitions an nexed at A n n ex u re II.
3.
A com m on industry w ide pre-au th o rizatio n and claim form w ill sig n ifican tly stream line
p rocesses at all stages. T his w ill en hance the ability o f p ro v id ers to o b tain a tim ely prior
authorization. By im plem entin g it in an optical ch aracter reco g n itio n (O C R ) form at, the
ability to tran sfe r data from a h an d w ritten p ap er based form to IT sy stem s has been enhanced
thus reducing th e d ata entry issues for T PA s and insurers. E v ery co m p an y shall attach set o f
claim form s alo n g w ith policy term s and co n d itio n s to th e p o licy h o ld er. T he form s are
attached at A n n ex u re III.
4.
S tan dard L ist o f E xclu ded E xp en ses in H osp italization In d em n ity policies:
H ospitalization indem nity pro d u cts are the com m onest p ro d u cts in the Indian m ark et and
acco u n t for m ost o f the health insurance sold in the country. T h e stan d ard listing o f 199
ex cluded item s, an area w hich has otherw ise been fairly v ariab le in its interp retatio n and
qffrTT f a f t m U c h 3Tfc f a c f r m 3 n f e R U T
m ezzo
da
im plem entation, has been finalized. T he sam e is annexed at A n n ex u re IV. H ow ever, Insurers
m ay include these exclusions, if the p roduct design allow s for, o r if th e in su rer w an ts to
include th ese as part o f hospitalizatio n expenses.
5.
U se
A pp lication
F orm ,
D ata b a se
S h eet
and
C u sto m er
T he existing F & U form used by the non-life insurers is d esig n ed keep in g in v iew largely the
characteristics o f N on Life pro d u cts other than H ealth. W ith this, th e essen tial inform ation
like th e sum insured, the m inim um and m axim um age, term o f the p ro d u ct etc th a t gets
captured in th e F& U form is v ery m inim al. In o rd er to cap tu re th e relev an t p ro d u ct design
inform ation, th e m odified File and U se A p p licatio n form along w ith the D atab ase sheet and
C u sto m er info rm atio n sheet as annexed in the A nn exu re: V , V I and V II resp ectiv ely shall be
subm itted u nder File and U se proced u re by the insurers.
T his circu lar supersed es all th e ex istin g circulars /g u id elin es on File an d U se P rocedure for
health insurance prod u cts offered by life in surers/non-life in su rers/h ealth insurers. All the
insurers shall co m p ly w ith the File and U se proced u re specified in th is circular.
6.
S tan d ard a g reem en t betw een T P A & In surer and P rovid er (H o sp ita l) & In su rer:
T he insurers en ter into agreem en ts w ith the T P A s for h ealth serv ices u n d er health insurance
contracts and w ith the P roviders (H ospitals) for health care serv ices u n d er health insurance
contracts. T he S ervice Level A g reem en t shall include the m in im u m standard clauses as
annexed in A n n exu re: V III and IX, as applicable.
T his is issued u nder section 14(2) o f IRD A A ct, 1999 and shall be effectiv e from 1st Ju ly 2013
for group prod u cts and l sl O cto b er 2013 for o th er products.
t^ M R -5 0 0 004. *TTC?T
1 0 -0 X- 3-0 /3
Annexure- 1
Annexure - 1
- the condition o f the patient is such that he/she is not in a condition to be rem oved to
a hospital, or
- the patient takes treatm ent at hom e on account o f non availability o f room in a
hospital.
7. Em ergency Care
Em ergency care m eans m anagem ent for a severe illness or injury w hich results in
symptoms which occur suddenly and unexpectedly, and requires im m ediate care by a
m edical practitioner to prevent death or serious long term im pairm ent o f the insured
persons health.
8. Grace Period
Grace period m eans the specified period o f time im m ediately follow ing the prem ium
due date during w hich a paym ent can be made to renew or continue a policy in force
w ithout loss o f continuity benefits such as w aiting periods and coverage o f p r e
existing diseases. Coverage is not available for the period for which no prem ium is
received.
9. Hospital
A hospital m eans any institution established for in- patient care and day care
treatm ent o f sickness and / or injuries and which has been registered as a hospital with
the local authorities, w herever applicable, and is under the supervision o f a registered
and qualified m edical practitioner AND m ust com ply w ith all m inim um criteria as
under:
- has at least 10 inpatient beds, in those towns having a population o f less than
10,00,000 and 15 inpatient beds in all other places;
- has qualified nursing staff under its em ploym ent round the clock;
- has qualified m edical practitioner (s) in charge round the clock;
- has a fully equipped operation theatre o f its own where surgical procedures are
carried out
- maintains daily records o f patients and will make these accessible to the Insurance
com panys authorized personnel.
10. Intensive Care Unit
Intensive care unit m eans an identified section, w ard or w ing o f a hospital which is
under the constant supervision o f a dedicated m edical practitioner(s), and w hich is
specially equipped for the continuous monitoring and treatm ent o f patients who are in
a critical condition, or require life support facilities and w here the level o f care and
supervision is considerably more sophisticated and intensive than in the ordinary and
other wards.
Annexure - 1
Inpatient care means treatm ent for which the insured person has to stay in a hospital
for more than 24 hours for a covered event.
12. M edical Practitioner
A M edical practitioner is a person who holds a valid registration from the medical
council o f any state o f India and is thereby entitled to practice m edicine w ithin its
jurisdiction; and is acting w ithin the scope and jurisdiction o f his license.
[Insurance com panies can specify additional or restrictive criteria to the above, e.g.
that the registered practitioner should not be the insured or close fam ily m em bers].
13. M edically N ecessary
M edically necessary treatm ent is defined as any treatm ent, tests, m edication, or stay
in hospital or part o f a stay in hospital which
- is required for the m edical m anagem ent o f the illness or injury suffered by the
insured;
- m ust not exceed the level o f care necessary to provide safe, adequate and
appropriate medical care in scope, duration, or intensity;
- m ust have been prescribed by a m edical practitioner,
- m ust conform to the professional standards w idely accepted in international medical
practice or by the medical com m unity in India.
14. N etw ork Provider
"Network Provider m eans hospitals or health care providers enlisted by an insurer or
by a TPA and insurer together to provide medical services to an insured on paym ent
by a cashless facility.
15. Non- N etw ork
A ny hospital, day care centre or other provider that is not part o f the network.
16. Pre-Existing D isease
A ny condition, ailm ent or injury or related condition(s) for which you had signs or
symptoms, and / or w ere diagnosed, and / or received m edical advice / treatm ent
within 48 months to prior to the first policy issued by the insurer.
[Life Insurers can define norm s for applicability at reinstatem ent].
17. Qualified Nurse
Qualified nurse is a person who holds a valid registration from the N ursing Council o f
India or the N ursing Council o f any state in India.
18. R easonable Charges
Reasonable charges m eans the charges for services or supplies, w hich are the standard
charges for the specific provider and consistent with the prevailing charges in the
A n n e xu re - 1
geographical area for identical or similar services, taking into account the nature o f
the illness / injury involved .
19. Surgery
Surgery or Surgical Procedure means manual and / or operative procedure (s) required
for treatm ent o f an illness or injury, correction o f deform ities and defects, diagnosis
and cure o f diseases, re lie f o f suffering or prolongation o f life, perform ed in a hospital
or day care centre by a m edical practitioner
20. OPD treatm ent
OPD treatm ent is one in w hich the Insured visits a clinic / hospital or associated
facility like a consultation room for diagnosis and treatm ent based on the advice o f a
M edical Practitioner. The Insured is not admitted as a day care or in-patient.
21. Hospitalisation
M eans adm ission in a Hospital for a m inim um period o f 24 In patient Care
consecutive hours except for specified procedures/ treatm ents, w here such adm ission
could be for a period o f less than 24consecutive hours.
22. Illness
Illness means a sickness or a disease or pathological condition leading to the
im pairm ent o f norm al physiological function which m anifests itself during the Policy
Period and requires m edical treatment.
23a A cute condition - A cute condition is a medical condition that can be cured by
Treatm ent
23b. C hronic condition - A chronic condition is defined as a disease, illness, or
injury that has one or more o f the following characteristics: it needs ongoing
or long-term m onitoring through consultations, exam inations, check-ups, and /
or tests it needs ongoing or long-term control or relief o f sym ptom s it
requires your rehabilitation or for you to be specially trained to cope w ith it it
continues indefinitely it comes back or is likely to com e back.
23. Day care centre
A day care centre means any institution established for day care treatm ent o f sickness
and / or injuries or a medical set -u p w ithin a hospital and w hich has been registered
with the local authorities, wherever applicable, and is under the supervision o f a
registered and qualified m edical practitioner AND m ust com ply w ith all m inim um
criteria as under:- has qualified nursing staff under its em ploym ent
has qualified
medical practitioner (s) in charge
has a fully equipped operation theatre o f its own
where surgical procedures are carried out- m aintains daily records o f patients and will
make these accessible to the Insurance com panys authorized personnel.
Annexure - 1
24. Injury
Injury m eans accidental physical bodily harm excluding illness or disease solely and
directly caused by external, violent and visible and evident means w hich is verified
and certified by a M edical Practitioner.
25. M edical Advise
A ny consultation or advice from a M edical Practitioner including the issue o f any
prescription or repeat prescription.
26. M edical expenses
M edical Expenses means those expenses that an Insured Person has necessarily and
actually incurred for medical treatm ent on account o f Illness or A ccident on the
advice o f a M edical Practitioner, as long as these are no more than w ould have been
payable if the Insured Person had not been insured and no m ore than other hospitals
or doctors in the same locality would have charged for the same m edical treatment.
27. Pre-hospitalization M edical Expenses
M edical Expenses incurred im mediately before the Insured Person is H ospitalised,
provided that:
i.
Such M edical Expenses are incurred for the same condition for which the
Insured Persons H ospitalisation was required, and
ii.
The In-patient H ospitalization claim for such H ospitalization is adm issible by
the Insurance Company.
28. Post-hospitalization M edical Expenses
M edical Expenses incurred imm ediately after the Insured Person is Hospitalised,
provided that:
i.
Such M edical Expenses are incurred for the same condition for w hich the
Insured Persons Hospitalisation was required, and
ii.
The In-patient H ospitalization claim for such H ospitalization is adm issible by
the Insurance Company.
29. New Born Baby
N ew born B aby means those babies born to you and your spouse during the Policy
Period A ged betw een 1 day and 90 days.
30. Cum ulative Bonus
Cumulative Bonus shall mean any increase in the sum assured / M allus granted by the
insurer w ithout an associated increase in premium.
31. M aternity expense/
Annexure - 1
M aternity expense / treatm ent shall include the following M edical treatm ent
Expenses:
i.
M edical Expenses for a delivery (including com plicated deliveries and
caesarean sections) incurred during H ospitalization;
ii.
The lawful medical term ination o f pregnancy during the Policy Period limited
to 2 deliveries or term inations or either during the lifetim e o f the Insured
Person;
iii.
Pre-natal and post-natal M edical Expenses for delivery or term ination.
32. Dental Treatm ent
Dental treatm ent is treatm ent carried out by a dental practitioner including
exam inations, fillings (w here appropriate), crowns, extractions and surgery excluding
any form o f cosm etic surgery/implants.
33. Any one illness
A ny one illness means continuous Period o f illness and it includes relapse w ithin 45
days from the date o f last consultation with the H ospital/N ursing Hom e where
treatm ent may have been taken.
34. Congenital Anom aly
Congenital A nom aly refers to a condition(s) which is present since birth, and which is
abnormal with reference to form, structure or position.
34a. Internal C ongenital Anom aly
which is not in the visible and accessible parts o f the body is called Internal
Congenital A nom aly
34b. External Congenital Anom aly
which is in the visible and accessible parts o f the body is called External
Congenital A nomaly.
35. Unproven/Experim ental treatm ent
U nproven/Experim ental treatm ent is treatment, including drug Experim ental therapy,
which is based on established medical practice in India, is treatm ent experim ental or
unproven.
36. Condition Precedent
Condition Precedent shall mean a policy term or condition upon which the Insurer's
liability under the policy is conditional upon.
37. Notification o f Claim
Annexure - 1
A n n e xu re - 1
payable by Us under the Policy. This is to clarify that a deductible does not reduce the
sum insured.
2 -0 'OD- 2-0
Annexure - II
I.
II.
i.
ii.
iii.
iv.
v.
vi.
vii.
A malignant tum our characterised by the uncontrolled growth & spread of malignant
cells w ith invasion & destruction of normal tissues. This diagnosis must be supported by
histological evidence of malignancy & confirmed by a pathologist. The term cancer
includes leukemia, lymphoma and sarcoma.
The follow ing are excluded -
Tumours showing the malignant changes of carcinoma in situ & tumours which are
histologically described as premalignant or non invasive, including but not limited to:
Carcinoma in situ of breasts, Cervical dysplasia CIN-1, CIN -2 & CIN-3.
Any skin cancer other than invasive malignant melanoma
All tumours of the prostate unless histologically classified ashaving aGleasonscore
greater than 6 or having progressed to at least clinical TNM classification T2N0M0.........
Papillary micro - carcinoma of the thyroid less than 1 cm in diameter
Chronic lymphocyctic leukaemia less than RAI stage 3
Microcarcinoma of the bladder
All tumours in the presence of HIV infection.
I.
The first occurrence of myocardial infarction which means the death of a portion of the
heart muscle as a result of inadequate blood supply to the relevant area. The diagnosis
for this will be evidenced by all of the following criteria:
i.
ii.
iii.
II.
i.
ii.
iii.
infarction
(NSTEMI) with
elevation
of
I.
The actual undergoing of open chest surgery for the correction of one or more coronary
arteries, which is/are narrowed or blocked, by coronary artery bypass graft (CABG). The
Annexure - II
i.
ii.
I.
The actual undergoing of open-heart valve surgery is to replace or repair one or more
heart valves, as a consequence of defects in, abnormalities of, or disease-affected
cardiac valve(s). The diagnosis of the valve abnormality must be supported by an
echocardiography and the realization of surgery has to be confirmed by a specialist
medical practitioner. Catheter based techniques including but not limited to, balloon
valvotomy/valvuloplasty are excluded.
I.
II.
I.
End stage renal disease presenting as chronic irreversible failure of both kidneys to
function, as a result of which either regular renal dialysis (hemodialysis or peritoneal
dialysis) is instituted or renal transplantation is carried out. Diagnosis has to be
confirmed by a specialist medical practitioner.
I.
Annexure - II
II.
i.
ii.
iii.
8.
I.
II.
i.
ii.
9.
One of the following human organs: heart, lung, liver, kidney, pancreas, that
resulted from irreversible end-stage failure of the relevant organ, or
Human bone marrow using haematopoietic stem cells. The undergoing of a
transplant has to be confirmed by a specialist medical practitioner.
Total and irreversible loss of use of tw o or more limbs as a result of injury or disease of
the brain or spinal cord. A specialist medical practitioner must be of the opinion that the
paralysis will be permanent with no hope of recovery and must be present for more
than 3 months.
I.
The definite occurrence of multiple sclerosis. The diagnosis must be supported by all of
the following:
i.
investigations including typical MRI and CSF findings, which unequivocally confirm
the diagnosis to be multiple sclerosis;
ii.
there must be current clinical impairment of m otor or sensory function, which must
have persisted for a continuous period of at least 6 months, and
Annexure - II
V
PLEASE FAX / SCAN RAGE 1 ONLY
REQUEST FOR CASHLESS HOSPITALISATION FOR MEDICAL INSURANCE POLICY
c)Age:
Male
CD Female
e) Contact number:
b) Gender:
Yes
Months[~M~| |
Q No
Company Name 0
d) Date of birth: 0
h) Employee ID:
[ _ _________________________________________________________________ ___________________________________________________________________ [ ]
[^Y e s
QN
0
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11
11 11
10
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1 0 1
10 1
10
1 11
b) Contact number: [
0 0
iv. FIR No [
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i. ICO 10 Code:
g) Proposed line of treatment:
Q Medical Management
Surgical Management
[ I ] Intensive care
ED Investigation
I) In case of accident:
] 0
i. Is it RTA:
I I Yes I I No
( 0 0
HD Yes Q No
I) In case of Maternity:
Date of Delivery:
Q G
Q P
I IL
0
If yes, since (month / year'
b)Time: 0
j|
]j
j Emergency
| Days
: 0
] Planned
e) Room Type I
0 Per Day Room Rent + Nursing & Service Charges + Patient's Diet:
Rs.
Rs.
h) ICU Charges:
Rs.
i) OT Charges:
Rs.
Rs.
Rs.
Diabetes
Heart Disease
Hypertension
Hyperlipidemias
Osteoarthritis
Cancer
O
O
O
0
Rs.
Rs.
0
O
0
0
0
O
O
0
0
0
mmmmmmmmmmmmmmmmm
We confirm having read understood and agreed to the Declarations on the reverse of this form
a) Name of the treating doctor: 0
b) Qualification:
1.1agree to allow the hospital to submit all original documents pertaining to hospitalization to the Insurer/TP.A after the discharge. I agree to sign on the Final Bill &the Discharge Summary,
before my discharge.
2. Payment to hospital is governed by the terms and conditions of the policy. In case the Insurer / TPA is not liable to settle the hospital bill, I undertake to settle the bill as per the terms and
conditions of the policy.
3. All non-medical expenses and expenses not relevant to current hospitalization and the amounts over &above the limit authorized by the Insurer/T.P.A not governed by the terms
and conditions of the policy will be paid by me.
4 .1hereby declare to abide by the terms and conditions of the policy and if at any time the facts disclosed by me are found to be false or incorrect I forfeit my claim and
agree to indemnify the Insurer / T.P.A
5 .1 agree and understand that T.P.A is in no way warranting the service of the hospital & that the Insurer / TPA is in no way guaranteeing that the services provided by the hospital
will be of a particular quality or standard.
6 .1hereby warrant the truth of the forgoing particulars in every respect and I agree that if I have made or shall make any false or untrue statement suppression or concealment with respect
to the claim, my right to claim reimbursement of the said expenses shall be absolutely forfeited.
7 .1agree to indemnify the hospital against all expenses incurred on my behalf, which are not reimbursed by the Insurer I TPA.
b) Contact number:
HOSPITAL DECLARATION
1. We have no objection to any authorized TPA / Insurance Company official verifying documents pertaining to hospitalization.
2. All valid original documents duty countersigned by the insured I patient as per the checklist below will be sent to TPA / Insurance Company within 7 days of the patient's discharge.
3. All non medical expenses, OR expenses not relevant to hospitalization or illness, OR expenses disallowed in the Authorization Letter of the TPA / Insurance Co, OR arising out of incorrect
information in the pre-authorisation form will be collected from the patient.
4. WE AGREE THAT TPA I INSURANCE COMPANY WILL NOT BE LIABLE TO MAKE THE PAYMENT IN THE EVENT OF ANY DISCREPANCY BETWEEN THE FACTS IN THIS FORM
AND DISCHARGE SUMMARY or other documents.
5. The patient declaration has been signed by the patient or by his representative in our presence.
6. We agree to provide clarifications for the queries raised regarding this hospitalization and we take the sole responsibility for any delay in offering clarifications.
7. We will abide by the terms and conditions agreed in the MOU.
Hospital Seal
Doctor's Signature
OPolfcyNo:
d)Name:
e)Address:
0000000000O0000000000000000000000000000O0
DO
Phon.No:
EmaillD:l
EHYes EH No
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d) Have you been hospitalized in the last four years since inception of the contract? EH Yes EH NoDate:[ m] [ m]
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f) If yes, Company Name
[ y] [ y]
EH Yes EH No
j LLl L ill UU LU l_!U LUI_ 11_ 11_ 11_ 11_ I LLl L J liLJ LJ LUI_ I L iil LAJ LMJLeJ I_ 11_ 11_ I biJ I_ I lEJ LD I
a) Name:
Male
b) Gender:
Female
c)Age: years [~v~] [~Y~| months |~m] |~M~| d) Date of Birth: [~5~| [~D~|
EH
Self
f) Occupation:
Self Employed EH
Service EH
EH
Spouse
Child EH
Father
Homemaker^]
Student
EH
EH
EH
Mother
Retired EH
EH
Other
[~m] [ m~|
(Please Specify) |
PinC
o d e :0 0 0 0 0 0
PhoneNo:
E'maillD:l
(/)
m
oH
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o
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Injury
0
Day care EH
EH
0
Self inflicted
Illness
0
EH
0
EH
Maternity
0
Twin sharing
EH
EH
: 0
EH
g) Dale ol D is c h a rg e :0 0
EH Yes EHNo
J[
j[ J
I) Time: 0
EHYes EH No
Single occupancy EH
EH
[15] [TT]
i. If Medico legal:
h) Time: 0
[^ 1 1 ^ 1
EHYes EH No
(/)
m
o
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j) System of Medicine: |
DETAILS OF CLAIM:
______________________________
i. Pre-hospitalization Expenses:
Rs.
Rs. : _\
v. Ambulance Charges:
Rs.
i;
!.
|Q
0 0 0 0 0 0 0
V i.
Others ( c o d e ) :0 0
Total
days
000
EH Yes EH No
R s-
0000000
Rs- 0 0 0 0 0 O 0
RS- 0 0 O 0 0 0 0
Rs. 0 0 0 0 0 0 0
das 0 0 0
Rs.
in
m
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0 0 0 0 0 0 0
Rs. __ ___ ;
;l 1
Rs- O O 0 0 0 0 0
0000000
iv. Convalescence:
vi. Others:
Rs- 0 0 0 0 0 0 0
00O 0000
ECG
EH Others
SI. No
Bill No
1.
Issued by
Date
D
Amount (Rs)
Towards
2.
3.
4.
5.
6.
7.
8.
9.
10
cm
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o
Nos
a)PAN:
0000000000
b) Account Number: I I
I II II II 1
1 II 1
1 II II II 1
1 II II II II 1
1 II I
00000000000000000000000000000000000000
d) Cheque/ DD Payable details:
I e)IFSCCode: 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
c) Bank Name and Branch:
Date: 0
place: [
GUIDANCE FOR FILLING CLAIM FORM - PART A (To be filled in by the insured)
FORMAT
DESCRIPTION
DATA ELEMENT
Policy No.
b)
c)
d)
Name
e)
Address
Tick Y es or No
b)
c)
Policy No.
a)
d)
e)
f)
Sum Insured
In ru p ees
Tick Y es or No
Date
Diagnosis
Previously Covered by any other Mediclaim/ Health
Insurance?
Company Name
O pen Text
Tick Y es or No
Nam e of the organization in full
Name
b)
G ender
c)
Age
d)
Date of Birth
e)
f)
Occupation
g)
Address
h)
Phone No
i)
E-mail ID
a)
b)
c)
d)
Hospitalization due to
e)
Time
g)
Date of discharge
h)
Time
U se hh:mm format
Indicate c a u se of injury
If Medico legal
Tick Y es or No
Reported to Police
Tick Y es o r No
Tick Y es or No
System of Medicine
O pen Text
j)
b)
Tick Yes or No
c)
d)
PAN
b)
Account Number
As allotted by th e bank
c)
d)
e)
IFSC Code
<
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om
H
O
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DETAILS OF HOSPITAL
a) Name of the hospital:
b) Hospital ID:
[[J 0 ] 0
(0 0 ]
c) Type of Hospital:
Network
EH
0 H
0 0 0 O
0 0 O
Non Network
EH
0 0 0 0 0 0 0 0 0 0 0 0 0 0
9) Phone No. |
||
||
||
||
||
||
||
||
||
||
b) IP Registration Number I
||
f) Date of Admission:
j) Type of Admission:
||
||
||
0
||
||
||
c) Gender:
Male
g)Time: 0
Planned
EH
Day Care
EH
Maternity
Female
: 0
Discharge to home
Emergency
EH
d) Age: Years 0
Deceased
Months0
h) Date of Discharge: 0
i. Date of Delivery.0
k) If Maternity
EH
EH
e) Date of b i r t h 0 0
i)Time:
: 0
a)
ICD10 Codes
i. Primary Diagnosis:
iii. Co-morbidities:
||
||
||
||
b)
Description
||
||
0000000
ii. Procedure2:
0000000
iii. Procedure3:
0000000
EH Yes EH No
EH Yes EH No
e) Pre-authorization Number:
Self-inflicted EH
0
|
ii. If Injury due to Substance abuse / alcohol consumption, Test Conducted to establish this:
0
C
/>
m
o
H
o
z
d) Pre-authorization obtained:
Description
i. Procedure1:
iv. Co-morbidities:
v. FIR no.0
ICD 10 PCS
vi.
EH Yes EH No
EH
EHNo
EH
EHYes EHNo
ECG
Pharmacy bills
Investigation reports
C
/)
m
o
H
O
z
a) Address of
DD
* ** m
Pin C o d e : 0 0
d) Hospital PAN:
I 11
11
11
0
11
11
11
11
b)Phone N o.0
11
0
11|e)NumberofInpatientbeds|
iii. Others:
We hereby declare that the information furnished in this Claim Form is true &correct to the best of our knowledge and belief. Ifwe have made any false or untrue statement, suppression or concealment of any material fad,
our right to claim under this claim shall be forfeited.
00 00 00
Signature and Seal of the Hospital Authority:
GUIDANCE FOR FILLING CLAIM FORM - PART B (To be filled in by the hospital)
DATA ELEMENT
DESCRIPTION
FORMAT
Name of Hospital
b)
Hospital ID
c)
Type of Hospital
d)
e)
Qualification
f)
g)
Phone No.
Name of Patient
b)
IP Registration Number
c)
G ender
d)
Age
e)
Date of Birth
U se dd-mm-yy format
f)
Date of Admission
U se dd-mm-yy format
g)
Time
h)
Date of D ischarge
i)
Time
j)
Type of Admission
Date of Delivery
Gravida Status
U se standard format
1)
m)
k)
If Maternity
ICD 10 Code
Enter the ICD 10 Code and description of the primary
diagnosis
Enter the ICD 10 Code and description of the additional
diagnosis
Primary Diagnosis
Additional Diagnosis
Co-morbidities
b)
ICD 10 PC S
Procedure 1
Procedure 2
Procedure 3
Details of P rocedure
O pen text
c)
Pre-authorization obtained
Tick Yes or No
d)
e)
Pre-authorization Number
If authorization by network hospital not obtained, give
reason
As allotted by TPA
f)
O pen text
Tick Y es o r No
C ause
Indicate ca u se of injury
Tick Y es o r No
Medico Legal
Tick Y es o r No
R eported To Police
Tick Y es or No
FIR No.
O pen Text
Address
b)
Phone No.
c)
d)
Hospital PAN
e)
Digits
f)
a O ' 0 2 ---2 0 1 3
ANNEXURE IV
List of G enerally excluded in H ospitalisation Policy
SNO
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
SU G G E ST IO N S
T O IL E T R IE S /C O S M E T IC S / PE R SO N A L C O M F O R T O R C O N V E N IE N C E IT E M S
N ot P ay ab le
HA IR REM O V A L CREA M
N ot P ay ab le
BABY CH A RG ES (U N L E SS SPE C IFIED /IN D IC A TED )
N ot P ay ab le
BABY FOOD
N ot P ay ab le
BABY U T ILITES CH A R G ES
N ot P ay ab le
BABY SET
Not P ay ab le
BABY BO TTLES
N ot P ay ab le
BRUSH
N ot P ay ab le
CO SY TO W EL
HAND WASH
N ot P ay ab le
N ot P ay ab le
M 01STUR1SER PA STE BRUSH
POW D ER
N ot P ay ab le
RAZOR
P ay ab le
N ot P ay ab le
SHO E C O V ER
N ot P ay ab le
BEA U TY SER V IC ES
E ssen tial a n d m ay be
B ELTS/ BR A CES
p aid specifically fo r cases
w h o h av e u n d e rg o n e
su rg e ry o f th o ra c ic o r
lu m b a r spine.
N ot P ay ab le
BUDS
N ot P ay ab le
BA RBER CH A RG ES
N ot P ay ab le
CAPS
CO LD PA C K /H O T PACK
N ot P ay ab le
CA RRY BAGS
N ot P ay ab le
N ot P ay ab le
CR A D LE CH A R G ES
N ot P ay ab le
COM B
D ISPO SA BLES RA ZO RS CH A R G ES ( for site preparations)
P ay ab le
N ot P ay ab le
E A U -D E-C O L O G N E / RO O M FRESH N ERS
N ot P ay ab le
EYE PAD
N ot P ay ab le
EYE SHEILD
N ot P ay ab le
EM AIL / IN T E R N E T C H A RG ES
N ot P ay ab le
FOOD CH A R G E S (O T H E R TH A N PATIENT'S D IET PRO V ID ED
BY H O SPITA L)
N ot P ay ab le
FO O T C O V ER
N ot P ay ab le
GOW N
E ssen tial in b a r ia tr ic an d
LEG G IN G S
v a ric o se vein s u rg e ry a n d
sh o u ld be co n sid ered fo r
th ese co n d itio n s w h ere
s u rg e ry itself is p ayable.
N ot P ay ab le
LA U N D RY CH A R G ES
Not P ay ab le
M IN ER A L W A TER
N ot P ay ab le
O IL CH A R G ES
SA N ITA RY PAD
N ot P ay ab le
36
37
38
39
40
41
42
43
44
45
46
SLIPPERS
T E LEPH O N E C H A RG ES
TISSU E PAPER
TO OTH PA STE
TO O TH BRUSH
G U EST SER V IC ES
BED PAN
BED U N D ER PAD CH A R G ES
CA M ER A C O V ER
C L IN IPL A ST
CR EPE B A N D A G E
47
48
49
C U R A PO RE
D IA PER OF A N Y TY PE
DVD, CD CH A R G ES
50
51
52
53
54
55
56
57
58
E Y EL E T C O LLA R
FACE M A SK
FLEXI M ASK
G A USE SOFT
G A UZE
HA ND H O LD E R
H A N S A P L A S T /A D H E S IV E BA N D A G ES
IN FA N T FOOD
SLINGS
59
IT E M S S P E C IF IC A L L Y E X C L U D E D IN THE P O LIC IE S
W EIG H T C O N TR O L PR O G R A M S/ SU PPLIES/ SERV ICES
62
63
H O M E V ISIT CH A R G ES
64
66
67
68
60
61
65
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P av ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le/ P a y a b le by
th e p a tie n t
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le ( H o w ev er if
C D is sp ecifically so u g h t
by In su re r/T P A th en
p ay ab le)
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
R e aso n a b le costs fo r one
sling in case o f u p p e r a rm
f ra c tu re s sh o u ld be
co n sid ered
in policy
specified
in policy
specified
in policy
specified
in policy
specified
in policy
specified
in policy
specified
in policy
specified
in policy
specified
in policy
specified
unless
unless
unless
unless
unless
unless
unless
unless
unless
69
D O N O R SC R EEN IN G CH A R G ES
70
A D M ISSIO N /R E G IST R A T IO N CH A RG ES
71
72
73
74
W ARD A N D T H EA T R E B O O K IN G CH A RG ES
76
A R TH R O SC O PY & EN D O SC O PY IN STRU M EN TS
77
M IC R O SC O PE C O V ER
78
79
SU R G ICA L DRILL
80
EYE K IT
81
EYE D RA PE
82
X -R A Y FILM
83
84
BOYLES A PPA R A T U S CH A R G ES
85
86
A n t is e p tic o r d is in fe c t a n t lo t io n s
88
89
CO TT O N B A N D A G E
87
P ay ab le u n d e r O T
C h a rg e s, n o t p ay a b le
s e p a ra te ly
R e n ta l c h a rg e d by th e
h o sp ital p ay ab le.
P u rc h a se o f In s tru m e n ts
n o t p ay ab le.
P ay ab le u n d e r O T
C h a rg e s , n ot se p arate ly
P ay ab le u n d e r O T
C h a rg e s, n o t se p a ra te ly
P ay ab le u n d e r O T
C h a rg e s, n o t se p a ra te ly
P ay ab le u n d e r O T
C h a rg e s, n o t se p a ra te ly
P a y a b le u n d e r O T
C h a rg e s, n o t se p arate ly
P ay ab le u n d e r R adiology
C h a rg e s, n o t as
co n su m ab le
P ay ab le u n d e r
In v estig atio n C h a rg e s, not
as co n su m ab le
P a r t o f O T C h a rg e s , n ot
se p e ra te lv
P a r t o f C o st o f Blood, not
p ay a b le
N ot P a y a b le -P a rt o f
D ressin g C h a rg e s
N ot P ay ab le - P a rt of
D ressin g ch a rg es
Not P a y a b le -P a rt o f
D ressin g C h a rg e s
N ot P ay ab le- P a r t o f
D ressin g C h a rg e s
90
M IC R O PO R E / SU R G IC A L TA PE
91
92
BLADE
A PRON
93
T O R N IQ U E T
94
95
O R T H O B U N D L E , G Y N A E C BUNDLE
U RIN E CO N T A IN E R
96
97
HVAC
98
H OUSE K E EPIN G CH A R G E S
99
100
101
SU R CH A RG ES
102
A T TE N D A N T CH A R G ES
103
IM IV IN JEC T IO N CH A R G ES
104
CLEA N SH E E T
105
106
107
108
109
110
111
112
113
A D M IN IS T R A T IV E O R N O N -M E D IC A L C H ARG E S
A D M ISSIO N K IT
B IRTH C E R TIFIC A TE
BLOOD R E SE R V A T IO N CH A R G ES A N D A N TE N A TA L
BO O K IN G CH A R G ES
C E R TIFIC A T E CH A R G ES
C O U R IER C H A R G E S
C O N V E N Y A N C E CH A R G ES
D IA B ETIC C H A R T CH A R G ES
N ot P a y a b le -P a y a b le by
th e p a tie n t w hen
p re sc rib e d , o th e rw ise
in clu d ed as D ressin g
C h a rg e s
N ot P ay ab le
N ot P ay ab le - P a r t o f
H o sp ital S erv ices/
D isp o sab le linen to be
p a r t o f O T /IC U ch atg es
N o t P ay ab le (serv ice is
c h a rg e d by h o sp itals,
co n su m ab les c a n n o t be
se p a ra te ly ch a rg e d )
P a r t o f D ressin g C h a rg e s
N ot P ay ab le
A ctu al ta x levied by
g o v e rn m e n t is
p a y a b le .P a rt o f room
c h a rg e fo r su b lim its
P a r t o f room c h a rg e not
p a y a b le s e p a ra te ly
P a r t o f room c h a rg e not
p a y a b le se p a ra te ly
P a r t o f room c h a rg e n ot
p a y a b le se p a ra te ly
P ay ab le u n d e r room
ch a rg e s n o t if s e p a ra te ly
levied
P a r t o f R oom C h a rg e , Not
p a y a b le s e p a ra te ly
N ot P ay ab le - P a r t o f
Room C h a rg e s
P a r t o f n u rsin g ch a rg es,
not p ay a b le
^ P art of
L a u n d ry /H o u se k e e p in g
n ot p a y a b le se p a ra te ly
P a tie n t D iet p ro v id ed by
h o sp ital is p ay a b le
N ot P ay ab le- p a r t o f room
c h a rg e s
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot
N ot
N ot
N ot
P ay ab le
P ay ab le
P ay ab le
P ay ab le
114
115
116
117
118
119
120
D O C U M E N T A T IO N C H A R G E S / A D M IN IST R A T IV E
EX PEN SES
D ISCH A RG E PR O C ED U R E CH A RG ES
D A ILY C H A R T C H A RG ES
EN TR A N C E PASS / V ISITO R S PASS CH A RG ES
E X PEN SES RELA TED TO PRESC RIPTIO N ON D ISCH A RG E
121
122
123
124
125
126
127
128
129
FILE O PEN IN G CH A RG ES
IN C ID E N T A L EX PE N SE S / M ISC. C H A RG ES (NOT
EX PLA IN ED )
M ED IC A L C E R TIFIC A T E
M A IN T E N A N C E C H A R G E S
M ED IC A L RECORD S
PR EPA R A TIO N CH A RG ES
PH O TO C O PIES CH A RG ES
PA TIEN T ID EN TIFIC A TIO N BA N D / N A M E TAG
W A SH IN G CH A R G ES
M ED IC IN E BOX
M O RTU A RY CH A R G E S
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
EX TERN A L D U R A B L E D E V IC E S
W A LK IN G AID S CH A R G E S
BIPA P M A CH IN E
CO M M O D E
C PA P/ CA PD EQ U IPM EN T S
INFU SIO N PU M P - C O ST
O X Y G EN C Y L IN D E R (FO R U SAGE O U TSID E THE HOSPITA L)
PU L SE O X Y M E TE R CH A R G ES
SPA CER
SPIRO M ETRE
SP02PR O B E
N E B U L IZ E R K IT
STEAM IN H A LER
A RM SLIN G
T H ER M O M E TER
145
146
147
148
149
150
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
T o be claim ed by p a tie n t
u n d e r P o st H osp w h ere
a d m issib le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
Not P ay ab le
Not P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P a y a b le
P ay ab le u p to 24 h rs,
sh iftin g c h a rg e s not
p ay a b le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
D evice n o t p ay a b le
D evice n o t p ay a b le
N ot P ay ab le
D evice n ot p ay a b le
N ot P ay ab le
D evice n o t p ay a b le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le (p aid by
p a tie n t)
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
E ssen tial an d sh o u ld be
paid specifically fo r cases
w h o h av e u n d erg o n e
su rg e ry o f lu m b a r spine.
151
P a y a b le fo r a n y ICU
p a tie n t re q u irin g m o re
th a n 3 d ay s in IC U , all
p a tie n ts w ith
p a ra p le g ia /q u a d rip ie g ia
fo r an y reaso n an d a t
re a so n a b le cost o f
a p p ro x im a te ly R s 200/
d ay
152
153
154
155
A M B U L A N C E C O LLA R
A M B U L A N C E E Q U IPM EN T
M IC R O SH EILD
A B D O M IN A L B IN D ER
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
E sse n tia l a n d sh o u ld be
p aid in p o st s u rg e ry
p a tie n ts o f m a jo r
a b d o m in a l su rg e ry
in c lu d in g T A H , LSCS,
in cisio n al h e rn ia re p a ir,
e x p lo ra to ry la p a ro to m y
fo r in te stin al o b stru c tio n ,
liv er tr a n s p la n t etc.
156
IT E M S PA YAB LE IF SU P P O R T E D B Y A P R E SC R IP T IO N
BETA D IN E \ H Y D R O G EN PER O X ID E \SPIR IT \\ \
D ISIN FEC T A N T S ETC
157
158
159
161
162
163
G LO V ES
164
HIV KIT
165
LIST E R IN E / A N TISEPT IC M O U TH W A SH
160
M ay be p a y a b le w hen
p re sc rib e d fo r p a tie n t, not
p a y a b le fo r h o sp ital use in
O T o r w a rd o r fo r
d ressin g s in h o sp ital
Post h o sp italizatio n
n u rsin g c h a rg e s not
P ay ab le
P a tie n t D iet p ro v id ed by
h o sp ital is p ay a b le
P ay ab le -S u g a r free
v a ria n ts o f ad m issa b le
m edicines a r e not
ex clu d ed
P ay ab le w h en p re sc rib e d
P ay ab le w h en p re sc rib e d
U pto 5 elec tro d e s a re
re q u ire d fo r ev e ry case
v isitin g O T o r ICU . F o r
lo n g e r sta y in IC U , m ay
re q u ire a c h a n g e an d at
least on e set ev e ry second
d a y m u st be p ay ab le.
S terilized G loves p a y a b le /
u n ste riliz ed gloves n ot
p ay a b le
P ay ab le - p a y a b le P re
o p e ra tiv e sc re en in g
P a y a b le w hen p re sc rib e d
166
167
168
LO ZEN G ES
M O U TH PAIN T
N EB U LISA TIO N K IT
169
170
171
172
N O V A R A PID
V O LIN I G E L / A N A L G E SIC GEL
ZY TE E GEL
V A C C IN A TIO N CH A R G ES
173
P A R T O F H O S P IT A L 'S O W N C O ST S A N D N O T PA YA B L E
A HD
174
A LC O H O L SW A BES
175
SCRUB S O L U T IO N /ST ER IL L IU M
181
182
183
184
185
OTHERS
V A CCIN E CH A R G E S FO R BABY
A E ST H E TIC T R E A T M E N T / SURGERY
TPA CH A R G ES
VISCO BELT CH A R G ES
A NY K IT W ITH NO D ETA ILS M E N TIO N ED [DELIVERY KIT,
O R TH O K IT, R EC O V ER Y KIT, ETC]
EX A M IN A TIO N G LO V ES
KID N EY TRA Y
M A SK
O U N C E G LASS
O U TST A TIO N C O N SU L T A N T 'S/ SURGEO N 'S FEES
186
187
188
O X Y G EN M A SK
PA PER G LO V ES
PELV IC T R A C T IO N BELT
189
190
191
192
193
194
195
PAN CAN
SOFN ET
TRO LLY CO V E R
U RO M ETER, U R IN E JUG
AM BULANCE
176
177
178
179
180
P ay ab le w hen p re sc rib e d
P a y a b le w hen p resc rib ed
I f used d u rin g
h o sp italizatio n is p ay a b le
re a so n a b ly
P ay ab le w hen p resc rib ed
P ay ab le w hen p re sc rib e d
P ay ab le w hen p resc rib ed
R o u tin e V accin atio n not
P ay ab le / P ost Bite
V ac cin a tio n P ay ab le
N ot P ay ab le - P a r t
H o sp ita l's in te rn a l
N ot P ay ab le - P a r t
H o sp ita l's in te rn a l
N ot P ay ab le - P a r t
H o sp ita l's in te rn a l
N ot
N ot
N ot
N ot
N ot
of
C o st
of
C o st
of
C ost
P ay ab le
P ay ab le
P ay ab le
P ay ab le
P ay ab le
N o t p ay a b le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot p ay a b le , ex cep t fo r
te lem ed icin e c o n su lta tio n s
w h e re co v ered by policy
N ot P ay ab le
N ot P ay ab le
S h o u ld be p a y a b le in case
o f PI VI) re q u irin g
tra c tio n as th is is
g e n e ra lly n o t reu sed
N ot P ay ab le
N ot p a y a b le p re
h o sp itila satio n o r post
h o sp italisatio n / R e p o rts
an d C h a rts re q u ire d /
D evice n ot p ay a b le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
N ot P ay ab le
P a y a b le -A m b u la n c e from
ho m e to h o sp ital o r
in te rh o sp ita l sh ifts is
p a y a b le / R T A as specific
r e q u ire m e n t is p ay a b le
196
197
U RIN E BAG
198
199
SO FTO V A C
STO C K IN G S
P ay ab le - m ax im u m o f 3
in 48 h rs a n d th en 1 in 24
h rs
P ay ab le w h e re m edicaly
n ecessary till a re a so n a b le
co st - m ax im u m 1 p e r 24
h rs
N ot P ay ab le
E ssen tial fo r case like
C A B G etc. w h e re it
sh o u ld be paid.
Annexure - V
Annexure - V
c.
d.
e.
f.
g.
h.
i.
j.
k.
1.
Annexure - V
PROPHET etc). If the insurer is using his own software he must inform so.
This is for the information of the Authority only.
II.
File and Use Application form for health insurance products offered by
Life insurers and non-life insurers:
SN o
Item
Name of Life/Health/Non-Life
Insurer
1.1
3.1
Annexure - V
6
6.1
Individuals
Family Floater
Y E S / NO
Y E S/ NO
6.1.3
6.1.4
Y E S / NO
Y E S/ NO
6.1.6
Groups
Specific geographic
locations in India [if
YES, specify the
locations.]
All geographic locations
in India
Rural population
6.1.7
Micro Insurance
Y E S/ NO
6.1.8
Government Schemes
Y E S/ NO
6.1.9
Indemnity basis
Y E S / NO
6.1.10
Benefit basis
Y E S / NO
6.1.5
6.1.11
6.2
Y E S/ NO
Y E S / NO
Y E S/ NO
Annexure - V
6.2.4
6.2.5
6.2.5
6.2.6
Annexure - V
Policy period
offered
6.2.7
6.2.6.2
Maximum
Policy period
offered
6.2.6.3
Premium paying
terms, if
different from
policy term
6.2.8
Rebates/charges
for different
modes offered,
with
justifications
from A A:
Maximum:
6.2.8.3
Premium
rebates
/discounts
offered, if any
(please provide
objective and
transparent
criteria to offer
rebates and
financial
justifications by
AA-no
discretion
allowed to the
insurer in
Annexure - V
6.2.9
offering such
rebates/discount
s)
Entry Age:
6.2.9.1 Minimum:
6.2.9.2 Maximum:
6.2.10
6.2.11
Restrictions on travel
outside India (If YES,
specify the conditions]
YES/NO
6.2.12
YES/NO
6.2.13
Deductibles allowed
Co-pay allowed
Staff rebates or any other
Rebates offered ( please
provide objective and
transparent criteria to
offer
rebates
and
financial justifications by
AA-no discretion allowed
to the insurer in offering
such rebates/discounts)
Any
other
discounts
offered ( please provide
objective and transparent
criteria to offer rebates
and
financial
justifications by AA-no
discretion allowed to the
insurer in offering such
rebates/discounts)
Any loadings proposed
( please provide objective
and transparent criteria to
offer
rebates
and
financial justifications by
AA-no discretion allowed
to the insurer in offering
such rebates/discounts)
i
6.2.14
6.2.15
6.2.16
i
6.2.17
Annexure - V
6.2.18
6.3
Subrogation, if any
Product details:
6.3.1
Is the Product filed for
Yes/No
the first time?
6.3..1.
If no, furnish the date of first filing of the product. I f yes, please
go to item no 7 directly.____________________________________
6.3.1.2 Please give the proposed modifications in tab u lar form
S.no
Existing Features / Proposed
Justification Any
assumptions/premi modification for such
supporting
urns rates -w hich
s
modification data for
are proposed to
such
modify___________
modification
6.3.2
Benefit Structure of the Product. [This section should describe the various
contingencies under which the benfits would be payable and how these would be
determined-please do not refer to any other document which is enclosed along
with this]
Event:
Benefit Amount Insured:
7.1
On Hospitalization
Annexure - V
7.2
7.3
7.4
7.7
disclosure or non-cooperation of
the insured
Specify Non-forfeiture conditions
[When the contract would be not
null and void]
Specify options available under
the product, (e.g. to increase or
decrease benefits, plan changes,
etc.) [This section should specify
the various options available
under the product.The charges, if
any, towards the cost of the option
shall also be specified. 1
Procedure for renewal
7.8
Riders / ADD-ons
7.5
7.6
7.8.1
7.8.2
8.1
8.2
Riders
/
Add-ons
attached to the product
S.No
Rider/Add
on Name
UIN
alloted by
IRDA
Date of
clearance
Annexure - V
8.3
Specify
the
minimum
participation of membership for
groups.
Exclusions: please specify time
bound exclusions have been
proposed for payment of benefits
Exclusions:
please
specify
permanent exclusions have been
proposed for payment of benefits
Other Terms:
9.1
Nomination
9.2
8.4
8.5
10
10.1
10.2
10.3
Yea
r1
5. Total
Year 1 Year 2
Year
2
Year 3
Yea
r3
Yea
r4
Year 4
Yea
r5
Year 5
Annexure - V
11
11.1
11..2
11.3
11.4
11.5
11.6
Reinsurance arrangements:
Retention limit
Name of the reinsurer (s)
Terms of reinsurance(type of
reinsurance, commissions, etc.).
Any recapture provisions shall be
described.
Reinsurance rates provided
Whether a copy of the reinsurance
program and a copy of the Treaty
is sumbitted to the Authority.
11.6.1
12
12.1
12.2
12.3
12.4
12.5
12.6
Yes/NO
Whether
reinsurance Yes/No
program and a copy of
the
treaty
enclosed
(required only if these
are not filed with the
Authority previously)
Pricing: The pricing assumptions and the methodology may vary depending on
the nature of product. Give details of the following
Give the actuarial formulae, if
any, used; if not, state how
premiums are arrived at giving
briefly the methodology and
details):
Source of data (internal/industry/
reinsurance)
Rate of morbidity [The tables
whereever relevant shall be the
prescribed one.]
Rates of policy terminations, if
any. [The rates used must be in
accordance
with
insurers
experience, if such experience is
not available, this can be from the
industry/reinsurers experience .]
Rate of interest, if any. [The rate
or rates must be consistent with
the investment policy of the
insurer.]
Commission scales [Give rates of
commission. These are explicit
items.]
Annexure - V
12.7
12.8
12.9
12.10
12.11
12.12
12.13
12.14
12.15
12.16
12.17
Annexure - V
S.NO
12.18
12.19
12.20
12.21
SI/Age
25000
50000
100000
150000
200000
bands
1
>=0<=2
2
>=3<=15
3
>=16<=2
5
4
>=26<=3
0
5
>=31<=3
5
6
>=36<=4
0
7
>=41<=4
5
8
>=46<=5
0
9
>=51<=5
5
10
>=56<=6
0
11
>=61<=6
5
12
>=66
Expected combined ratio (for the
product) -to be furnished for each
plan separately
Age-wise combined ratio- to be
furnished for each plan separately
Sum insured-wise- combined ratio
to be furnished for each plan
separately
Age and sum insured wise Table given below (SI band and age bands
combined ratio - to be furnished shall be increased depending on the minimum
for each plan separately
and maximum SI offered)
S.NO
SI/Age
25000
50000
100000
150000
200000
bands
1
>-0<=2
2
>=3<=15
3
>=16<=2
5
4
>=26<=3
0
5
>=31<=3
5
6
>=36<=4
0
Annexure - V
>=41<=4
5
8
>=46<=5
0
9
>=51<=5
5
10
>=56<=6
0
11
>=61<=6
5
12
>=66
Expected cross-subsidy between
age/sum insured/ plans etc
Experience of similar products, if
any
S.No
Expos Premi Numb
ure
um - er of
claim
Rs.
s
7
12.22
12.23
13
13.1
13.2
Incur
red
claim
s-Rs.
Claim
frequ
ency
Aver
age
cost
per
claim
Burni
ng
costRs.
Loss
ratio
Comb
ined
ratio
200809
200708
200607
200506
200405
1. Exposure: earned life year (no of life earned during a p articu lar financial
year);
2. Prem ium : premium earned during the financial year;
3.Num ber of claims: claims occurred during the financial year;
4.
Incurred claims: Incurred am ount as of today for claims mentioned in 3 ;
5. Claim frequency: No. of claims/ Exposure;
6. Average cost per claim: Incurred claims / No. of claims;
7. Burning cost: Claims frequency* Average cost per claim;
8. Loss ratio: Incurred claims/ Premium;
9. Combined ratio: Loss ratio + Expense ratio;
Revision in pricing for existing products
Justification for change/
modification in premium
Experience of the product across
In addition to the experience of sim ilar
plans / sum insured / age bands
products in Item 12.23, these tables to be
furnished for the product for which revision
Annexure - V
in pricing is requested
13.3
14
14.1
14.2
14.3
14.4
14.4
PM (optimistic
scenario)
>=3<=15
>=16<=25
>=26<=30
>=31<=35
>=36<=40
>=41<=45
>=46<=50
>=51<=55
>=56<=60
>=61<=65
>=66
15
15.1
15.2
Proposal Form:
Sales Literature /Prospectus - the pamphlets made available to members of the
public at the time of sale. This is the literature which is to be used by the various
distribution channels for selling the produc in the market. This shall enumerate
all the salient features of the product alongwith the exclusions applicable for the
basic benefits and shall be incomplaince with the relevant circulars issued by the
Authority at all times).
Policy Document along with policy schedule
15.3
Annexure - V
15.4
15.5
Underwriting Manual
Claims Manual
15.6
15.7
15.8
15.9
Premium Table
Certificates -Form A, Form B and Form C
Customer information sheet
Database sheet
16. Certification. The Insurer shall enclose a certificate from the Appointed Actuary,
countersigned by the principal officer of the insurer, as per specimen given below: (The
language of this should not be altered at all)
" I, (name of the appointed actuary), the appointed actuary, hereby solemnly declare that
the information furnished above is true. I also certify that, in my opinion, the premium rates,
advantages, terms and conditions of the above product are workable and sound, the
assumptions are reasonable and premium rates are fair."
Place
Date:
Name and Counter Signature of the principal officer along with name, and Companys seal.
Annexure-V
Form A
Date:
Place:
Signature of Principal
Officer or Designated Officer
Name and designation
Annexure-V
Form B
4.
Date:
Place:
The requirem ents of th e revised File and Use guidelines have been fully complied
with in respect of this product.
Annexure-V
Form C
2.
3.
Date:
Place:
I have carefully studied the prospectus, sales literature, policy wordings and
en dorsem ent wordings relating to the above-m entioned product in the light of the
IRDA (Protection of Policyholders' Interests) Regulations 2002, and the File and Use
Guidelines.
The above m entioned docum ents are written in clear unambiguous language, and
properly explain the nature and scope of cover, the exceptions and limitations, the
duties and obligations of the insured and the effect of non-disclosure of material
facts.
These docum ents are in compliance with the Policyholders' Protection Regulations
and Insurance Advertisem ents and Disclosure Regulations.
Signature of Lawyer
Name and address
Annexure - VI
DATABASE FORMAT
(DETAILS FOR FILE AND USE APPROVAL OF HEALTH INSURANCE PRODUCTS)
A. PRODUCT INDEX
Insurer Code:
Product Category (3-tier codes at annexure):
(The logic o f Categorization is provided at Appendix 1. Accordingly, insurers have to
provide the Categorization in the order o f priority and the pricing impact)
Additional Category 1:
Additional Category 2:
Additional Category 3:
Number of Plans/ Variants within the product:
................................................
................................................
..................
..................
Unique ID no:
(Autom atically generated field after product approval by Authority)
..................
Annexure-VI
C. PRODUCT DETAILS
C.a. Hospitalization : Contingencies covered:
Contingency
Covered
(Y/N)
Sub-Lim its
in % of SI, if
applicable
Sub limits in
fixed rupee
terms, if
applicable
Room charges
Boarding charges for patient
Nursing charges for patient
ICU charges
Medical Practitioners Fees
Operation Theatre charges
Surgical Consum ables
Prescribed drugs
Diagnostic tests
Cost of blood
Cost of transplantation
Hospitalization expenses of
donor
Cost of artificial limbs
Cost of pacemakers
Parenteral Chem otherapy
Radiotherapy
Haemodialysis
Domiciliary Hospitalization
Am bulance charges
Maternity expenses
Neonatal expenses
Funeral expenses
Pre-hospitalization expenses
Post-hospitalization expenses
Cost of periodic health check
up for policies w ithout claims
Cost of periodic health check
up for policies with claims
Day Care procedures covered
Dental Procedures
Hearing Aids
Spectacles/ contact lens
A ny other contingency covered
W hether any waiver of sub-lim its is available in different plans or at different terms: Y/N
If yes, details of sub-lim its which can be waived and term s for the sam e : __
Annexure- VI
If any other contingency is covered, details of sub-limits which can be waived and terms
for the same.
_____
Any sub
Period in months Any sub
limits in %
(Mention 'O' if no limits in
of
S.l. terms
rupee
terms
waiting period)
C.c. Exclusions:
Type of exclusion
Pre-existing disease for non-indem nity or non
domestic policies
War, invasion, war like operation
Circumcision unless m edically necessary
Applicable Special
(Y/N)
conditions, if any
Annexure - VI
Annexure - VI
Applicable
(Y/N)
Details
Applicable
(Y/N)
Percentage
At second
renewal
(cum ulative)
Maxim um
Annexure-
Term s/Conditions
Details as
applicable
Minimum sum
insured available
Premium charged
for Rs. 2 lakhs
sum insured
where applicable
Premium charged
Sum
Insured
(Rs)
2 00 ,00 0
300,000
Annexure -
Reinsurance Details
Any reinsurance other than obligatory cession
If yes, w hether pricing is linked to reinsurance rates
Details
If yes, details
thereof
Covered
(Y/N)
Covered
(Y/N)
Period
If modified from
Standard
Definitions, details
Annexure-
Covered
(Y/N)
Minimum
Stay
required
(days)
Deductib
le if any
(days)
Maximum
Period
Covered
(days)
Minimum
Daily
Payout
option (Rs)
Maximum
Daily
Payout
option (Rs)
Room
ICU
Accidental
A ny other
C.l. High Deductible Coverage:
A m ount (Rs.)
Y/N
If yes, Fixed
Prem ium (Rs.)
Y/N
Period (MM/YY)
Annexure -
Applicable
(Y/N)
If yes,
days
Condition
s i Details
Applicable
(Y/N)
If yes,
Code
Details
Applicable
(Y/N)
Rank by Priority/
W eightage
Annexure - VI
Percentage
If yes, Age
after which
required
Applicable
(Y/N)
Criteria filed
with IRDA
(Y/N)
Maximum
loading/
discount (%)
10
Annexure-VI
1
2
A & B. P R O D U C T IN D E X & P R O C E S S IN G H IS T O R Y
C. P R O D U C T D E T A IL S
C .a. H o s p ita liz a tio n : C o n tin g e n c ie s co vered
3
4
5
6
7
8
9
10
11
2- O
2 -0
12
Annexure - VII
DESCRIPTION
TITLE
NO
1
2
Product
Name
What am
I covered
for:
What
are the
major
exclusion
s in the
policy:
Waiting
period
Payout
basis
Cost
sharing
Related medical expenses incurred within xx days from date o f discharge / amounting
to x% o f claim
Specified / Listed procedures requiring less than 24 hours hospitalisation (day care)
Non-allopathic medicine,
Any kind o f service charge, surcharge, admission fees, registration fees levied by the
hospital.
(Note: the above is a partial listing o f the policy exclusions. Please refer to the policy
clauses for the full listing).
Initial waiting period: 30 days for all illnesses (not applicable on renewal or for
accidents)
In case o f a claim, this policy requires you to share the following costs:
o
Expenses exceeding the following Sub-limits
Room / ICU charges beyond
For the following specified diseases:
Renewal
Conditio
ns
o
o
....................
-----------------------------------
(L E G A L D IS C L A IM E R ) N O TE : The information must be read in conjunction with the product brochure and
policy document. In case o f any conflict between the KFD and the policy docum ent the terms and conditions
mentioned in the policy docum ent shall prevail.
REFER TO
POLICY
CLAUSE
NUMBER
A n n ex ure - VII
S.
NO
8.
DESCRIPTION
TITLE
Renewal
Benefits:
9.
Cancella
tion
x% increase in your annual limit for every claim free year (or) x% discount on renewal
premium, subject to a maximum o f x%.
In case a claim is made during a policy year, the bonus proportion (or) discount would
reduce by x% in the following year.
For every block o f x claim free policy years, free health check up for the insured
persons subject to maximum x% o f sum insured.
This policy would be cancelled, and no claim or refund would be due to you if:
o
you have not correctly disclosed details about your current and past health
status OR
o
have otherwise encouraged or participated in any fraudulent claims under the
policy.
(LEGAL DISCLAIM ER) NOTE: The information must be read in conjunction with the product brochure and
policy document. In case o f any conflict between the KFD and the policy document the terms and conditions
mentioned in the policy docum ent shall prevail.
REFER TO
POLICY
CLAUSE
NUMBER
^v[ox
Annexure: VIII
Minimum Standard Clauses necessarily to be included in the Service Level Agreement
between Insurer and the Third Party Administrator:
The services rendered by the TPA to the insurer shall be in accordance with the provisions of
the Insurance Act, 1938, extant regulations, guidelines in this regard. The Authority may,
from time to time, prescribe clauses to be included in the agreements which shall be entered
into between insurers and TPAs and such agreements shall cover the following amongst
others:
1. The specific services to be rendered by the TPA, the procedure, as prescribed by the
insurer, to be followed by the TPA for providing each o f such services as agreed to.
2. The fee payable to the TPA for each o f the services rendered by the TPA as detailed
below. The complete details on the basis on which payment becomes payable shall be
documented.
Rate of Service Fee
Service Provided
Fee payable
3. Turnaround times for each o f the services rendered by the TPA, the course o f action
in case o f default o f services.
4. The TPA / insurer responsibilities in enforcing the agreement.
5. Confidentiality requirements
6. Termination notice
7. Inspection, Audit and Access rights o f the TPAs on regular and ad-hoc basis
8. Arbitration and Dispute resolution
9. The minimum details on the id-cards including photograph o f the insured, name o f the
insurer, emergency contact number, logo o f the insurer
10. Issue of ID cards, cost o f issuing the ID cards and the course o f action in case of
default
11. Procedure for cashless facility as in Schedule-I
12. Procedure for de-empanelment o f network providers as in Schedule-II
13. Customer services and relations
14. Services rendered by the TPA shall compliance with the extant laws.
15. Intimation o f changes in the key positions in the office o f the TPA.
16. Code o f conduct.
Schedule-I
I.
1. Request for hospitalization shall be forwarded by the provider immediately after obtaining
due details from the treating doctor in the preauthorization form prescribed by the Authority
i.e. request for authorization letter (RAL). The RAL shall be sent electronically along
with all the relevant details in the electronic form to the 24-hour authorization /cashless
department of the insurer or its representative TPA along with contact details of treating
physician and the insured. The insurers or its representative TPAs medical team may
consult the treating physician or the insured, if necessary.
2. If the treating physician of the provider identifies any disease or ailment as pre-existing, the
treating physician shall record it and also inform the insured immeidately.
3. In the cases w here the symptoms appear vague / no effective diagnosis is arrived at,
the medical team o f the insurer or its representative TPA may consult with treating
physician /insured, if necessary.
4. The RAL shall reach the authorization department of insurer or its representative TPA 7
days prior to the expected date of admission, in case of planned admission.
5. If clause 3above is not follwed, the clarification for the delay needs to be forwarded along
with the request for authorization.
6. The RAL form shall be dully filled with clearly mentioning Yes or No and/or the details as
required. The form shall not be sent with nil or blanks replies.
7. The guarantee o f payment shall be given only for the medically necessary treatment
cost o f the ailment covered and mentioned in the request for hospitalization. Non
covered items i.e. non-medical items which are specifically excluded in the policy,
like Telephone usage, food provided to relatives/attendants, Provider registration fees
etc shall be collected directly from the insured.
8. T he auth o rizatio n letter by the insurer o r its rep resen tativ e T P A shall clearly
indicate th e am o u n t agreed fo r p ro v id in g cashless facility fo r hospitalization.
9. In event of the cost of treatment increasing, the the provider may check the availability of
further limit with the insurer or its representative TPA.
10. When the cost o f treatment exceeds the authorized limit, request for enhancement o f
authorization limit shall be made immediately during hospitalization using the same
format as for the initial preauthorization. The request for enhancement shall be evaluated
based on the availability of further limits and may require to provide valid reasons for the
same. No enhancement o f limit is possible after discharge of insured.
11. Further the insurer shall accept or decline such additional expenses within a maximum of 24
hours of receiving the request for enhancement. Absence o f receiving the reply from the
insurer within 24 hours shall be construed as denial of the additional amount.
12. In case the insured has opted for a higher accommodation / facility than the one eligible
under the polciy, the provider shall explain orally the effect o f such option and also
take a written consent from the insured at the time of admission as regard to owing the
responsibility o f such expenses by the insured including the proportionate
e x p en se s w h ich h av e a d ire c t b e arin g d u e to up g ra d a tio n o f room
accommodation/facility. In all such cases the insuer shall pay for the expenses which
are based on the eligibility limits o f the insured. H ow ever provider may charge any
advance amount/security deposit from the insured only in such cases where the insured has
opted for an upgraded facility to the extent of the amounts to be collected from the insured.
13. Insurance company guarantees payment only after receipt of RAL and the necessary
medical details. The Authorization Letter (AL) shall be issued within 48hours of receiving
the RAL.
14. In case the ailment is not covered or given medical data is not sufficient for the medical
team of authorization department to confirm the eligibility, insurer or its representative TPA
shall seek further clarification/ information immeidately.
15. Authorisation letter [AL] shall mention the authorization number and the amount
guaranteed for the procedure.
16. In case the balance sum available is considerably less than the cost of treatment, provider
shall follow their norms of deposit/running bills etc. However, provider shall only charge
the balance amount over and above the amount authorized under the health insurance policy
against the package or treatment from the insured.
17. Once the insured is to be discharged, the provider shall make a final request for the pre
authorization for any residual amount along with the standard discharge summary and the
standar billing format. Once the provider receives final pre-authorization for a specific
amount, the insured shall be allowed to get discharged by paying the difference between the
pre-authorised amount and actual bill, if any. Insurer, upon receipt of the complete bills and
documents, shall make payments of the guaranteed amount to the provider directly.
18. Due to any reason if the insured does not avail treatment at the Provider after the pre
authorization is released the Provider shall return the amount to the insurer immediately.
19. All the payments in respect of pre-authorised amounts shall be made electronically by the
insurer to the provider as early as possible but not later than a week, provided all the
necessary electronic claim documents are received by the insurer.
20. Denial of authorization (DAL) for cashless is by no means denial of treatment by the health
facility. The provider shall deal with such case as per their normal rules and regulations.
21. Insurer shall not be liable for payments to the providers in case the information provided in
the request for authorization letter and subsequent documents during the course of
authorization, is found incorrect or not disclosed.
22. Provider, Insurer and its representative TPA shall ensure that the procedure specified in this
Schedule is strictly complied in all respects.
II.
1. In case o f emergencies also, the procedure specified in I (1), (2) and (3) shall be followed.
2. The insurer or its representative TPA may continue to discuss with treating doctor till
conclusion of eligibility o f coverage is arrived at. However, any life saving, limb saving,
sight saving, emergency medical attention cannot be withheld or delayed for the purpose
Schedule-I
1. If requesting a pre-authorisation for any potential medico-legal case including Road Traffic
Accidents, the Provider shall indicate the same in the relevant section of the standard form.
2. In case of a road traffic accident and or a medico legal case, if the victim was under the
influence of alcohol or inebriating drugs or any other addictive substance or does intentional
self injury, it is mandatory for the Provider to inform this circumstance of emergency to the
insurer or its representative TPA.
IV.
1. Authorization leter shall mention the amount, guaranteed class of admission, eligibility, of
the patient or various sub limits for rooms and board, surgical fees etc. wherever applicable,
as per the benefit plan for the patient.
2. The Authorization letter will also mention validity of dates for admission and number of
days allowed for hospitalization, if any. The Provider shall see that these rules are strictly
followed; else the AL will be considered null and void.
3. In the event the room category, if any, is not available the same shall be informed to the
insurer or its representative TPA and the insured. For such cases, if the insured is admitted
to a class o f accommodation higher than what he is eligible for, the provider shall collect the
necessary difference, if any, in charges from the insured.
4. The AL has a limited period of validity - which is 15 days from the date of sending the
authorization.
5. AL is not an unconditional guarantee of payment. It is conditional on facts presented - when
the facts change the guarantee changes.
V.
Reauthorization:
1. Where there is a change in the line of treatment - a fresh authorization shall be obtained
from the insurer immediately - this is called a reauthorization.
2. The same pre-authorisation form shall be used for the reauthorization, and the same
turnaround times as specified shall apply.
VI.
Discharge:
1. The following documents shall be included in the list o f documents to be sent along
with the claim form to the insurer or its representative TPA. These shall not be given
to the insured.
a. Original pre authorization request form,
b. Original authorization letter,
c. Original investigation repots,
Schedule-I
Schedule-II
Schedule-II
c. The action could entail one of the following based on the seriousness o f the issue and
other factors involved:
i. A warning to the concerned Provider,
ii. De-empanelment o f the Provider.
9.
The entire process should be completed within 30 days from the date o f suspension.
/ . -ZL_
A nnexure - IX
Insurance companies may offer policies providing cashless services to the policyholders
provided the services are offered in network providers who have been enlisted to
provide medical services either directly under an agreem ent with the insurer or by an
agreem ent between health services provider, the TPA and the insurer. The provider
em panelm ent shall be made based on the information furnished in th e standard
em panelm ent form as in Schedule-V. The Authority may, from time to time, prescribe
clauses to be included in such agreem ents as stipulated in the Agreements which shall
be entered into betw een insurers, network providers/TPAs and shall cover the
following amongst others:
1. Scope of services provided by the network provider
2. the tariff applicable with respect to various kinds of healthcare services
being provided by the network provider.
3. a clause empowering the insurer to cancel or otherwise modify the
agreem ent in case of any fraud, misrepresentation, inadequacy of service or
other non-compliance or default on the part of TPA or network provider;
provided no such cancellation or modification shall be done by the insurer
unless the concerned TPA/ network provider is given an opportunity of
being heard.
4. a standard clause providing for continuance of services by a network
provider to the insurance company if the TPA is changed or the agreem ent
with TPA is term inated.
5. a clause providing for opting out of network provider from a given TPA for
reasons of inadequacy of service rendered by the TPA to the network
provider.
6. a clause specifically requiring only the insurance company the power to
deny a claim.
7. a clause enabling insurer to inspect the premises of the network provider
at any time without prior intimation.
Annexure - IX
8. Turnaround times for each of the services rendered by the parties, the course of
action in case of default of services.
9. The responsibilities and obligations o f each o f the parties to the agreement in
enforcing the agreement.
10. Display o f information by the network provider at prominent location,
preferably at the reception and admission counter and Casualty/Emergency
departments.
11. Confidentiality requirements
12. Termination notice
13. Inspection, Audit and Access rights o f the network providers and the TPAs
involved on regular and ad-hoc basis
14. Arbitration and Dispute resolution
15. Procedure for cashless facility as in Schedule-I
16. Procedure for de-empanelment o f network providers as in Schedule-II
17. Procedure to furnish the standard Discharge summary as in Schedule-Ill
18. Procedure to furnish the standard Billing Format as in Schedule-IV
19. Payments to be m ade through direct electronic fund tran sfer subject to
deduction of tax at source as applicable under the relevant laws.
20. Payment Reconciliation process on a regular basis.
21. Customer services and relations
22. Services rendered by the TPA shall compliance with the extant laws.
23. Code o f conduct.
Schedule-Ill
Schedule-lll
f.
20 01- 2 0 )3,
Schedule-IV
Remarks
Provider Name
Address
IP No
Patient Name
rxi
Schedule-IV
Payer Name
Member address
Bill Number
Bill Date
PAN Number
Date of admission
Date of discharge
Bed Number
SL No 1 of billing Summary
SL No 2 of billing Summary
Schedule-IV
mentioned here.
SL No 3 o f billing Summary
SL No 4 o f billing Summary
SL No 5 o f billing Summary
SL No 6 o f billing Summary
SL No 7 o f billing Summary
SL No 8 of billing Summary
SL No 9 of billing Summary
Schedule-IV
Discount Amount
Amount offered as
insurance company
Service tax
Service Tax
company
chargeable to
insurance
Amount Payable
insurance
Amount in words
Patients signature
Authorized signatory
discount
to
the
Schedule-IV
viii. The date on which the service is rendered is to be mentioned in the bill. This
would be
a. the date o f requisition in case of investigations
b. date o f consultation for professional fees
c. date o f requisition in case o f pharmacy/consumables irrespective o f when
they were used
d. date o f return of pharmacy items for pharmacy returns
ix. The additional guidelines to fill the summary format shall be as below, except
that the first section o f the bill is same as the bill summary referred in 3 above.
Field Name
Remarks
Date
Code
Particulars
Rate
Unit
Amount
Rate*unit(s)
Schedule-IV
. Schedules:
Schedule-IV A
SUMMARY BILL FORMAT
Bill Number
Provider Name
Provider
registration No.
Address
IP No
Patient Name
Payer Name
Member Address
XXXX Insurance
Company Ltd
Bill Date
PAN Number
Service Tax
Regn No
Date of
admission
Date of
Discharge
Bed Number
Billing Summary
SI No
1
2
3
4
5
6
7
8
9
Primary Code
100000
200000
300000
400000
500000
600000
700000
800000
900000
Patients Signature
Amount
Particulars
Room & Nursing Charges
ICU Charges
OT Charges
Medicine & Consumables
Professional Fees'
Investigation Charges
Ambulance Charges
Miscellaneous Charges
Package Charges
0
............. 0
0
0
0
0
Rupees Zero Only
Authorized Signatory
Schedule-IV
Schedule-IV B
DETAILED BREAKUP FORMAT
PART-I
Bill Number
Provider Name
Provider
registration No.
Address
Bill Date
PAN Number
Service Tax
Regn No
Date of
admission
Date of
Discharge
Bed Number
IP No
Patient Name
Payer Name
Member Address
Billing Details
Code
Particulars
Rate
Nos(Unit)
Amount
101001
500
500.00
401001
XXX medicine
50
100.00
401001
50
-1
-50.00
SI No
Date
^8
Schedule-IV
PART-II:
Level 1
Level 1
Code
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
100000
Level 2
Code
Level 2
101000
101000
101000
101000
101000
101000
101000
101000
101000
101000
101000
101000
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
Room Charges
100000
100000
101000
102000
102000
102000
102000
102000
102000
102000
102000
103000
103000
103000
104000
104000
Room Charges
Nursing charges
Nursing charges
Nursing charges
Nursing charges
Nursing charges
Nursing charges
Nursing charges
Nursing charges
Duty Doctor fee
Duty Doctor fee
Duty Doctor fee
Monitor charges
Monitor charges
200000
200000
200000
200000
200000
200000
200000
200000
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
201000
201000
201000
201000
201000
201000
201000
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
ICU Charges
200000
200000
200000
200000
ICU Charges
ICU Charges
ICU Charges
ICU Charges
201000
201000
201000
202000
ICU Charges
ICU Charges
ICU Charges
ICU Nursing
charges
Level 3
Code
Level 3
101001
101002
101003
101004
101005
101006
101007
101008
101009
101010
101011
101012
102001
102002
102003
102004
102005
102006
102007
Nursing fees
Dressing
Nebulization
Injection charges
Infusion pump charges
Aya Charges
Blood Transfusion Charges
103001
103002
104001
201001
201002
201003
201004
201005
201006
Burns Ward
HDU charges
ICCU charges
Isolation ward charges
Neuro ICU charges
Pediatric/neonatal ICU
charges
Post Operative ICU
Recovery Room
Surgical ICU
201007
201008
201009
Remarks
Electricity charges
Bed sheet charges
Hot water charges
Establishment Charges
Alpha/Water Bed Charges
Attendant Bed Charges
If used in
normal
Room
If ICU
nursing
charged
seperatel
Schedule-IV
200000
ICU Charges
202000
ICU Nursing
charges
202001
Nursing fees
200000
ICU Charges
202000
ICU Nursing
charges
202002
Dressing
200000
ICU Charges
202000
ICU Nursing
charges
202003
Nebulization
200000
ICU Charges
202000
ICU Nursing
charges
202004
Injection charges
200000
ICU Charges
202000
202005
200000
200000
200000
ICU Charges
ICU Charges
ICU Charges
203000
203000
203000
ICU Nursing
charges
Monitor charges
Monitor charges
Monitor charges
203001
203002
Monitor charges
Pulse Oxymeter charges
200000
200000
200000
200000
ICU Charges
ICU Charges
ICU Charges
ICU Charges
203000
204000
204000
204000
Monitor charges
Monitor charges
Monitor charges
203003
203004
203005
200000
ICU Charges
204000
204001
Oxygen charges
200000
ICU Charges
204000
204002
Ventilator charges
200000
ICU Charges
204000
204003
200000
ICU Charges
204000
204004
Bipap charges
200000
ICU Charges
204000
204005
Pacing Charges
If ICU
nursing
charged
seperatel
y
If ICU
nursing
charged
seperatel
Y
If ICU
nursing
charged
seperatel
y
If ICU
nursing
charged
seperatel
If used in
ICU
Tempora
ry
Pacemak
er
200000
ICU Charges
204000
300000
300000
300000
300000
300000
300000
300000
300000
OT Charges
OT Charges
OT Charges
OT Charges
OT Charges
OT Charges
OT Charges
OT Charges
301000
301000
301000
301000
301000
301000
302000
OT rent
OT rent
OT rent
OT rent
OT rent
OT rent
OT Equipment
charges
204006
Defibrillator Charges
301001
301002
301003
301004
301005
Major OT charge
Minor OT Charge
Cath Lab Charges
Theatre charges
Labour Room Charges
Schedule-IV
302001
C-arm charges
302002
Endoscopy charges
302003
Laproscope charges
302004
Equipment charges
If not
specified
OT Equipment
charges
302005
Monitor charges
for OT
monitori
302000
OT Equipment
charges
302006
Instrument charges
OT Charges
303000
OT Drugs &
Consumables
300000
OT Charges
303000
OT Drugs &
Consumables
303001
OT Drugs
300000
OT Charges
303000
OT Drugs &
Consumables
303002
Implants
300000
OT Charges
303000
OT Drugs &
Consumables
303003
OT Consumables
300000
OT Charges
303000
OT Drugs &
Consumables
303004
OT Materials
300000
OT Charges
303000
OT Drugs &
Consumables
303005
OT Gases
300000
OT Charges
303000
OT Drugs &
Consumables
303006
Anaesthetic drugs
300000
300000
400000
OT Charges
OT Charges
Medicine & Consumables
charges
Medicine & Consumables
charges
304000
304000
OT Sterlization
OT Sterlization
304001
CSSD Charges
401000
400000
401000
Medicine &
Consumables
charges
Medicine &
Consumables
charges
401001
Ward Medicines
400000
401000
401002
Ward Consumables
400000
401000
401003
Ward disposables
400000
401000
401004
Ward Materials
400000
401000
401005
Vaccination drugs
500000
500000
300000
OT Charges
302000
300000
OT Charges
302000
300000
OT Charges
302000
300000
OT Charges
302000
300000
OT Charges
302000
300000
OT Charges
300000
400000
501000
OT Equipment
charges
OT Equipment
charges
OT Equipment
charges
OT Equipment
charges
Medicine &
Consumables
charges
Medicine &
Consumables
charges
Medicine &
Consumables
charges
Medicine &
Consumables
charges
Visit charges
ng
forOT
instrume
nts
includes
guidewir
es,
catheter
etc
OT drugs
under OT
charges
Schedule-IV
Consultation Charges
500000
500000
501000
501000
Visit charges
Visit charges
501001
501002
500000
500000
500000
500000
Professional
Professional
Professional
Professional
charges
charges
charges
charges
501000
502000
502000
502000
Visit charges
Surgery Charges
Surgery Charges
Surgery Charges
501003
Medical Supervision
Charges
Professional fees
502001
502002
Surgeons Charges
Assisstant Surgeons Fee
500000
503000
500000
503000
503001
Anaesthetists fee
500000
503000
Anaesthetists
fee
Anaesthetists
fee
Anaesthetists
fee
503002
OT standby charges
500000
504000
500000
505000
500000
500000
505000
504000
500000
504000
500000
600000
600000
fees
fees
fees
fees
Would
also
include
Standby
Surgeon
Providers
charge
for
standby
anaesthe
tist
Intensivist
Charges
Technician
Charges
Physiotherapy
Procedure
charges
Procedure
charges
504000
504000
Procedure
charges
Investigation Charges
Investigation Charges
601000
Bio Chemistry
Serum
Sodium,
Ueres etc
600000
Investigation Charges
602000
Cardiology
charges
600000
Investigation Charges
603000
Haemotology
charges
for
procedur
es like
echo,
ECG etc
cross
matching
etc
600000
Investigation Charges
604000
Microbiology
charges
blood
culture,
C&S
600000
Investigation Charges
605000
Neurology
for EMG,
EEG etc
505000
504001
Bedside procedures
504002
Suture charges
Catheteri
zation,
Central
IV Line,
Tracheos
tomy,
Venesect
ion
Schedule-IV
600000
Investigation Charges
606000
Nuclear
medicine
600000
Investigation Charges
607000
600000
Investigation Charges
608000
Pathology
charges
Radiology
services
600000
Investigation Charges
609000
600000
Investigation Charges
610000
600000
Investigation Charges
611000
Profiles
700000
700000
Ambulance Charges
Ambulance Charges
701000
Ambulance
Charges
800000
800000
Miscellaneous charges
Miscellaneous charges
801000
800000
Miscellaneous charges
802000
800000
Miscellaneous charges
803000
800000
Miscellaneous charges
804000
800000
800000
Miscellaneous charges
Miscellaneous charges
805000
806000
800000
Miscellaneous charges
807000
800000
Miscellaneous charges
808000
Admission
charges
Attendant food
charges
Patient food
charges
Registration
charges
MRD Charges
Documentation
charges
Telephone
charges
Bio Medical
Waste Charges
800000
Miscellaneous charges
809000
Taxes
900000
Package Charges
900000
Package Charges
901000
Cardiac Surgery
PET CT,
Bone
scan etc
X-ra, CT,
MRI etc
Serology
charges
Medical
Genetics
Chrosom
al
Analysis
etc
Profiles
instead
of
individua
1tests
(Lipid
profile,
LFT etc)
Luxury
Tax/Surcharge/Service
Charge
ICD-10PCS
CABG
Excluding
VAT &
Service
Tax
To be
used
only in
case of
packages
To be
used
only in
case of
packages
Schedule-IV
900000
Package Charges
902000
CardiologyPacka
ges
ICD-10PCS
PTCA
900000
Package Charges
903000
Cath Lab
ICD-10PCS
CAG
900000
Package Charges
904000
Dental
Procedures
ICD-10PCS
900000
Package Charges
905000
ENT
ICD-10PCS
FESS
900000
Package Charges
906000
Gastroenterolog
ICD-10PCS
Gastrectomy - Partial
900000
Package Charges
907000
General Surgery
ICD-10PCS
Inguinal hernia
900000
Package Charges
908000
Gynaecology
ICD-10PCS
LSCS
900000
Package Charges
909000
Nephrology
ICD-10PCS
Nephrectomy
900000
Package Charges
910000
Neuro Surgery
ICD-10PCS
Craniotomy
900000
Package Charges
911000
Oncology
Procedures
ICD-10PCS
IMRT
900000
Package Charges
912000
Opthalmology
procedures
ICD-10PCS
Cataract
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
Schedule-IV
900000
Package Charges
913000
Orthopaedic
Surgery
ICD-10PCS
Bilateral TKR
900000
Package Charges
914000
Plastic Surgery
ICD-10PCS
Skin Grafting
900000
Package Charges
915000
Pulmonology
Packages
ICD-10PCS
Pleural Tapping
900000
Package Charges
916000
Urology
ICD-10PCS
ERCP
900000
Package Charges
917000
Vascular
Surgery
ICD-10PCS
Embolectomy
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages
To be
used
only in
case of
packages