Tuesday, October 15, 2002, Chandigarh, India


L U D H I A N A   S T O R I E S


New mediclaim policies to benefit patients
Shivani Bhakoo

Fact file

  • Paying hospital bills becomes convenient with the introduction of new medi-claim policies
  • All the necessary paper work is done by third party Administrators (TPAs)
  • The insured can opt for a sum up to Rs 5 lakh
  • Critical diseases like first heart attack, bypass surgery, stroke, cancer, kidney failure and major organ transplantation are covered
  • Congenital diseases, expenses arising from AIDS and related diseases, cosmetic and aesthetic treatment and use of intoxicating drugs and alcohol are excluded.

Ludhiana, October 14
Paying hospital bills was never so convenient as it has become after the introduction of some new medi-claim schemes that have virtually freed-up its policy holders from getting embroiled in financial transactions with hospitals and nursing homes after sudden hospitalisation.

Designed specifically with consumer interest in mind, these medi-claim policies from new entrants in the insurance sector operate through third party administrators (TPAs) that do all the necessary paper work while the policy holder simply walks in and out of designated hospital or nursing home by merely flashing a health insurance card.

Many top public as well as private sector companies have tied up with TPAs who do the necessary job. A third party administrator is licensed by the Insurance Regulatory and Development Authority (IRDA) Act to work as a mediator. Mr Manu Virmani, manager marketing, Bajaj Allianz General Insurance Company, said, “A TPA gets the intimation of claim and verifies whether a valid policy exists. He guides the patient to a hospital, where the company has a tie-up”.

An insurance agent with one such private sector company, on condition of anonymity, disclosed that the cashless facility, basically originated from West and was introduced in India about a decade ago. “The policy literally had to be pushed in the market as there were no buyers. But then overcharging by the hospitals became the major problem. For a treatment costing Rs 30,000 the hospitals would charge Rs 1 lakh convincing the insurance companies to shell out the money. Because of misuse, medical insurance was not “pushed”, said the insurance agent.

Insurance agencies offering medi-claim policies include the National Insurance Company, New India Assurance, Oriental Insurance and United India Insurance.Mr R.K.Marwaha, assistant divisional manager, United India Insurance, said that the cashless hospitalisation facility has recently been re-introduced in the city.”We are getting a good response and we have already tiedup with hospitals like Dayanand Medical College and Hospital and Christian Medical College and Hospital”, claimed Mr Marwaha.The private sector companies in the city include Bajaj Allianz, IIFCO TOKYO, Reliance General Insurance and ICICI Lombard.

Diseases like first heart attack, bypass surgery, stroke, cancer, kidney failure, major organ transplantation, multiple sclerosis, aorta graft surgery, primary pulmonary arterial hypertension and paralysis are covered though conditions apply. “But congenital diseases, all expenses arising from AIDS and related diseases, cosmetic, aesthetic and related treatment and use of intoxicating drugs and alcohol are excluded under the policy.”

The policy holder can opt for a sum assured from Rs 15,000 to Rs 5 lakh depending on the terms and conditions of the insurance companies. The age starts from 5 to 75. “All these are tax benefit schemes under section 80 D”, said Mr Virmani.

Hospitals and nursing homes like Sigma Heart Institute, Deep Hospital, Bassi Hospital, Preet Hospital etc have also tiedup with TPAs. Dr Amardeep Singh of Sigma said the hospital has a contract with the TPA to provide services under certain terms and conditions without charging any money from the patient.”The concept of cashless hospitals is fast picking up in the city. A hospital or nursing home contacts the TPA and gets reimbursed for the services provided within one month of the discharge of the patient from the hospital”, said Dr Amardeep.



Sargodha school win cricket tourney
Our Correspondent

Ludhiana, October 14
In the last league match of the Parle-G PCA Inter-School (4 to 17 year) Cricket Tournament, Sargodha National Public School, Ludhiana, defeated SDM Senior Secondary School, Ludhiana, by 81 runs to win the tournament here yesterday.

Sargodha School team won the toss and elected to bat first and scored 233 runs for the loss of three wickets in 35 overs. Dushyant Kohli was the main architect of the emphatic win with his unbeaten knock of 102. Pankaj Kumar also remained unbeaten at 40. Chasing the total, the SVM school team could score only 152 runs before being all out in 28.5 overs.

Brief score: Sargodha National Public School: 233 for 3 in 35 overs (Dushyant Kohli 102 (n.o.), Pankaj Kumar 40 (n.o.), Charandeep Singh 33, Amarpal 15, Nakul Sharma 1 for 25, Hemant 1 for 43).

SVM Senior Secondary School: 152 all out in 28.5 overs (Vikas Bhandari 22, Shivam 23, Johny 39, Yogesh 2 for 36, Manpreet Singh 1 for 29, Sushyant Kohli 2 for 20, Charandeep Singh 4 for 23).

At the end of the last league match, Sargodha National Public School, Ludhiana, and Sacred Heart Senior Secondary School were tied with five points each, with two wins and one draw. But Sargodha National Public School were declared winners on the basis of their better run rate.

Mr Prem Chand, Joint Commissioner, Municipal Corporation, Ludhiana, gave away the prizes. Rev Father Davis, Director, Sacred Heart School, BRS Nagar, presided over the function.

Volleyball championship: The Senior State Volleyball Championship for Men and Women would be held at Budhlada in Mansa district from October 24 to 26, according to a press note issued here on Monday. Teams from all districts of Punjab are eligible to participate, along with the teams of the BSF, the PAP, the PSEB and the PRTC. Entries may be sent to Mr Raj Kumar, secretary-general, Punjab Volleyball Association, Ludhiana, by October 20.


Home | Punjab | Haryana | Jammu & Kashmir | Himachal Pradesh | Regional Briefs | Nation | Editorial |
Business | Sport | World | Mailbag | In Spotlight | Chandigarh Tribune | Ludhiana Tribune
50 years of Independence | Tercentenary Celebrations |
122 Years of Trust | Calendar | Weather | Archive | Subscribe | Suggestion | E-mail |