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THE NEW INDIA ASSURANCE CO. LTD.REGD & HEAD OFFICE: 87, MG ROAD, MUMBAI 400001

Page | 1

NEW INDIA ASSURANCEAND

UNITED INDIA INSURANCEPRESENTS

DRAFT HEALTH INSURANCEFOR RETIRING EMPLOYEESOF MAHARASHTRA GOVT.

COVERAGES 1) ALL EMPLOYEES AGED 55 AND ABOVE.2) COVERAGE FOR HOSPITALISATION DUE TO DISEASE OR INJURY.3) PAYMENT MADE UNDER ROOM, BOARD, NURSING/SURGEON ,DOCTOR FEES , DIAGNOSTIC

EXPNSES & MEDICAL EXPENSES .4) COVERAGE IS AS INDICATED UNDER

70% SUM INSURED FOR FOLLOWING DISEASES A. CARIDOLOGY & CARDIO THORACI SURGERY (OPEN HEART SURGERY, VALVE REPLACEMENT ,

CORRECTION OF CONGENITAL DISEASE, ANGIOPLASTY & PTCA, BALOON VALVULO PLASTY,PERMANENT PACE MAKER, PERIPHERAL ARTERY EMBOLISM, BY PASS SURGERIES)

B. ORTHOPEDIC SUGERY (TKR, THR, REDUCTION OF FRACTURES, ARTHOSCOPIC REPAIR OFLIGAMENTS OF KNEE.

C. NEPHROLOGY / UROLOGY (RENAL TRANSPLANTATION, LITHOTRIPSY)D. ONCHOLOGY (SURGICAL MANAGEMENT RADITION, CHEMOTHERAPY)


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E. NEUROLOGY (CEREBROVASCULAR SURGERY, SCUL BASE SURGERY, TUMOR OF BRAIN,SURGERY FOR INTRACTABLE, EPILEPSY SURGERY FOR CONGINITAL MALFORMATIONINCLUDING HYDROCEPHALUS, GUIOLLIN BAR SYNDROME.

F. OPHALMALOGY ( SURGERY OF GLACUMO, DETACHMENT OF RETINA, SIMPLE SURGERY,KARETOPLASTY, VICTEROCTOMY , LASER TREATMENT)

G. VASCULAR SURGERY (AMPUTATION OF LIMBS)H. INTERNAL MEDICINE (UPPER AIRWAY OBSTRUCTION)I. GASTROENTEROLOGY (CORROSSIVE STURCTURES GI TRACT, LAPROSCOPY

CHOLECYSTOCTOMY)J. ENT (INJURIES IN EAR, NOSE, THROAT)K. GYNECOLOGYL. GENERAL (BRAIN FEVR, PUO ETC.)

5. 1% OF SI IS THE ROOM CHARGE LIMIT (2% FOR ICU) WHERE ROOM CHARGES EXCEED ENTITLEDCATEGORY, PROPORTIONATE DEDUCTION SHALL BE MADE ON ALL OTHER HEADS.6. However, the bills raised by Surgeon, Anesthetist directly and not included in thehospitalization bill may be reimbursed in the following manner:

a. The Reasonable, Customary and Medically Necessary Surgeon fee andAnesthetist fee would be reimbursed, limited to the maximum of 25% of SumInsured. The payment shall be reimbursed provided the insured pays such fee(s)through cheque and the Surgeon / Anesthetist provides a numbered bill. Billsgiven on letter-head of the Surgeon, Anesthetist would not be entertained.

b. Fees paid in cash will be reimbursed up to a limit of Rs. 10,000/- only, providedthe Surgeon/Anesthetist provides a numbered bill.

7. THERE WILL BE SUBLIMITS ON CERTAIN DISEASES.1.2.1 Expenses in respect of the following specified illnesses/surgeries will be restricted as detailedbelow:

Hospitalisation Benefits LIMITS per surgery RESTRICTED TOa. Hernia, Hysterectomy Actual expenses incurred or 25% of the sum insured whichever is

lessa. Cataract, Actual expenses incurred or RS.24000/- FOR GREATER MUMBAI

AND RS.18000/- FOR REST OF MAHARASHTRA whichever is less


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8. 35 DAY CARE PROCEDURES ARE COVERED FOR HOSPITALISAION OF LESS THAN 24HRS.1. Adenoidectomy 13. Radiotherapy 24. Inguinal/ventral/

Umbilical/femoral hernia2. Appendectomy 14. Lithotripsy 25. Parenteral

chemotherapy3. Ascitic/Pleural tapping 15. Incision and drainage of

abcess26. Polypectomy

4. Auroplasty 16. Varicocelectomy 27. Septoplasty5. Coronary angiography 17. Wound suturing 28. Piles/fistula6. Coronary angioplasty 18. FESS 29. Prostate7. Dental surgery 19. Haemo dialysis 30. Sinusitis8. D & C 20.

Fissurectomy/Fistulectomy31. Tonsillectomy

9. Endoscopies 21. Mastoidectomy 32. Liver aspiration10. Excision ofCyst/granuloma /Lump

22. Hydrocele 33. Sclerotherapy

11. Eye surgery 23. Hysterectomy 34. Varicose Vein Ligation12. Fracture/dislocationexclu-ding hairline fracture

9. 30 DAYS PRE HOSPITALISATION & 60 DAYS POST HOSPITALISATION ARE COVERED.10. PRE-EXISTING DISEASES IS INCLUDED.11. THERE IS A WAITING PERIOD FOR FIRST 30 DAYS.12. A DRAFT POLICY IS ANNEX FOR YOUR PERSUAL.13. LIST OF NON PAYABLE ITEMS IS ALSO ANNEXED


Page | 4

MECHANISIM OF ADMINISTRATION 1. CASHLESS FACILTY TO BE MADE AVAILABLE THROUGH MD INDIA TPA2. LIST OF NETWORK HOSPITALS OF TPA ANNEXD HEREWITH3. WHERE CLAIMANT UNABLE TO ACCESS NETWORK HOSPITAL GOES FOR EMERGENCY

TREATMENT ON WRITTEN ADVICE OFA REGD. MEDICAL PRACTIONER TO A NON NETWORKHOSPITAL REIMBURSEMENT IS TO BE MADE AVAILBLE.

4. CLAIMS HAS TO INTIMITED TO TPA WITHIN 72 HRS OR BEFORE DISCHARGE.5. TPA TO PROVIDE MATRIX FOR GRIEVANCE MANAGEMENT WITH OVERSIGHT OF UNDERWRITER.6. WHERE INCURRED CLAIM IS BELOW 85% A DISCOUNT OF 5% WILL BE GIVEN ON ANNUAL

PREMIUM OF THE GROUP AT THE TIME OF RENEWAL OF POLICY.7. WHERE ICR EXCEED 110% PREMIUM WILL BE LOADED BY 8%. AS PER THE APPENDED TABLE.8. Mechanism for placement of premium

1) It is agreed that, for starter, the policy will begin by covering all employees ( of Grade A B &C) retiring in 2014, and not as envisaged. It is assumed that the group size will be 12000 plus2) Subsequently every year all employees retiring in that year will be added.3) Premium is to be paid in advance, and upfront for the initial group..4) It was suggested and agreed that those who have retired already, within the last 3 years i.e.after 2011 June are also eligible to join the group.5) Premium quoted does not include Service tax and other Intermediary Charges. Introductionof intermediary will entail additional cost.6) A draft of MOU will be forwarded.

PREMIUM RATES:FLOTER SUM INSURED FOR SELF & SPOUSE (RS.) PREMIUM EXCLUDING SERVICE TAXRS.100000/- RS. 6000/-RS. 200000/- RS. 6900/-RS. 300000/- RS. 7800/-RS. 400000/- RS. 8600/-RS. 500000/- RS. 9400/-RS. 800000/- RS. 11800/-RS. 900000/- RS. 12600/-RS. 1000000/- RS. 13500/-RS. 2000000/- RS. 20800/-Service Tax @ 12.36% will be added on above rates.


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STANDARD GROUP MEDICLAIM POLICY (2007)IRDA/NL-HLT/NIA/P-H/V.I/334/13-14

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 beincorporated herein, has applied to THE NEW INDIA ASSURANCE COMPANY LTD., (hereinaftercalled the COMPANY) for the insurance hereinafter set forth in respect of person(s) named inthe Schedule hereto (hereinafter called the INSURED PERSON) and has paid premium asconsideration for such insurance,

1.0 COVERAGE: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 thecontinuance of this policy by renewal any Insured Person shall contract any disease orsuffer from any Illness (herein defined)or sustain any Injury (herein defined)and if suchIllness or Injury shall require any such Insured Person, upon the advice of a dulyqualified Medical Practitioner/ Medical Surgeon to incur Hospitalization Expenses(herein defined) for Medical/Surgical treatment at a Hospital/Day Care Centre in India as(herein defined) as an Inpatient, the Company will pay to the Hospital or reimburse theInsured person, through the Third Party Administrator, amount of such expenses aswould fall under different heads mentioned below and are Reasonably and Customarily,and Medically Necessary incurred in respect thereof by or on behalf of such InsuredPerson.

2.0 Following Reasonable &Customary expenses are reimbursable under the policy:

2.1 Room, boarding and nursing expenses as provided by the Hospital not exceeding 1.0 %of the sum insured per day or actual, whichever is less.

2.2 Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses not exceeding2.0 % of the sum insured per day, or actual, whichever is less.

2.3 Surgeon, Anesthetist, Medical Practitioner, Consultants Specialist fees.2.4 Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines

& Drugs, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic


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devices implanted during surgical procedure like pacemaker, RelevantLaboratory/Diagnostic test, X-Ray and other medical expenses related to the treatment.

2.5 Pre-hospitalization medical expenses up to 30 days period.2.6 Post hospitalization medical expenses up to 60 days period.

NOTE:1. The amounts payable under 2.3 and 2.4 shall be at the rate applicable to the

entitled room category. In case of admission to a room/ICU/ICCU at rates exceedingthe limits as mentioned under 2.1 and 2.2, the reimbursement/payment of all otherexpenses incurred at the Hospital, with the exception of cost of medicines, shall beaffected in the same proportion as the admissible rate per day bears to the actualrate per day of room rent/ICU/ICCU charges.

2. No payment shall be made under 2.3 other than as part of the hospitalizationbill.

3. However, the bills raised by Surgeon, Anesthetist directly and not included in thehospitalization bill may be reimbursed in the following manner:

a. The Reasonable, Customary and Medically Necessary Surgeon fee andAnesthetist fee would be reimbursed, limited to the maximum of 25% of SumInsured. The payment shall be reimbursed provided the insured pays such fee(s)through cheque and the Surgeon / Anesthetist provides a numbered bill. Billsgiven on letter-head of the Surgeon, Anesthetist would not be entertained.

b. Fees paid in cash will be reimbursed up to a limit of Rs. 10,000/- only,provided the Surgeon/Anesthetist provides a numbered bill.

2.7 LIMIT ON PAYMENT FOR CATARACTCompanys liability for payment of any claim relating to Cataract shall be limited toActual or maximum of Rs.24000 for Greater Mumbai and Rs. 18000/- for rest ofMaharashtra (inclusive of all charges, excluding service tax), for each eye, whichever isless.

2.8 AYUSH: Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissibleup to 25% of the sum insured provided the treatment for illness/disease and accidentalinjuries, is taken in a Government hospital or in any institute recognized by Government


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and /or accredited by Quality Council Of India / National Accreditation Board on Health,excluding centers for spas, massage and health rejuvenation procedures.

2.9 Ambulances services 1.0 % of the sum insured or actual, whichever is less, subject tomaximum of Rs. 2,500/- in case patient has to be shifted from residence to hospital foradmission in Emergency Ward or ICU or from one Hospital to another Hospital by fullyequipped ambulance for better medical facilities.

2.10 Hospitalization expenses (excluding cost of organ) incurred on the donor during thecourse of organ transplant to the insured person. The Companys liability towardsexpenses incurred on the donor and the insured recipient shall not exceed the suminsured of the insured person receiving the organ.

3.0 DEFINITIONS:

3.1 ACCIDENT: An accident is a sudden, unforeseen and involuntary event caused byexternal, visible and violent means.

3.2 ANY ONE ILLNESS: means continuous Period of illness and it includes relapse within 45days from the date of last consultation with the Hospital/Nursing Home wheretreatment may have been taken.

3.3 CANCELLATION: Cancellation defines the terms on which the policy contract can beterminated either by the Company or the insured by giving sufficient notice to otherwhich is not lower than a period of fifteen days.

3.4 CASHLESS FACILITY: means a facility extended by the Company to the insured where thepayments, of the costs of treatment undergone by the insured in accordance with thepolicy terms and conditions, are directly made to the network provider by the insurer tothe extent pre-authorization approved.

3.5 CONDITION PRECEDENT: Condition Precedent shall mean a policy term or conditionupon which the Insurer's liability under the policy is conditional upon.

3.6 CONGENITAL ANOMALY: refers to a condition(s) which is present since birth, and whichis abnormal with reference to form, structure or position.

3.6.1 CONGENITAL INTERNAL ANOMALY means a Congenital Anomaly which is not in


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the visible and accessible parts of the body.

3.6.2 CONGENITALEXTERNAL ANOMALY means a Congenital Anomaly which is in thevisible and accessible parts of the body

3.7 CO-PAYMENT A co-payment is a cost-sharing requirement under a health insurancepolicy that provides that the insured will bear a specified percentage of the admissibleclaim amount. A co-payment does not reduce the sum insured.

3.8 CONTRIBUTION: Contribution is essentially the right of an insurer to call upon otherinsurers, liable to the same insured, to share the cost of an indemnity claim on a ratableproportion.

3.9 DAY CARE: Day care treatment refers to medical treatment, and/or Surgical Operationwhich is:

- undertaken under General or Local Anesthesia in a Hospital/Day Care Centre in lessthan 24 hrs because of technological advancement, and

- which would have otherwise required a hospitalization of more than 24 hours.Treatment normally taken on an outpatient basis is not included in the scope of thisdefinition.

3.10 DEDUCTIBLE: A deductible is a cost-sharing requirement under a health insurance policythat provides that the Insurer will not be liable for a specified rupee amount of thecovered expenses, which will apply before any benefits are payable by the insurer. Adeductible does not reduce the sum insured.

3.11 DENTAL TREATMENT: Dental treatment is treatment carried out by a dental practitionerincluding examinations, fillings (where appropriate), crowns, extractions and surgeryexcluding any form of cosmetic surgery/implants.

3.12 DOMICILIARY HOSPITALISATION: Domiciliary Hospitalization means medical treatment,for an Illness/Injury which in the normal course would require care and treatment at aHospital but is actually taken while confined at home under any of the followingcircumstances:

- The condition of the patient is such that he/she is not in a condition to be removed toa Hospital, or


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- The patient takes treatment at home on account of non-availability of room in aHospital.

3.13 HOSPITAL: A hospital means any institution established for Inpatient Care and Day Caretreatment of Illness and / or Injuries and which has been registered as a Hospital withthe local authorities under the Clinical Establishment (Registration and Regulation) Act,2010 or under the enactments specified under the schedule of Section 56(1) of the saidact OR complies with all minimum criteria as under:

- has at least 10 inpatient beds, in those towns having a population of less than10,00,000 and 15 inpatient beds in all other places;

- has qualified nursing staff under its employment round the clock;- 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 will make these accessible to the Insurance

companys authorized personnel.

3.14.1 HOSPITALISATION: means admission in a Hospital for a minimum period of 24 in patientCare consecutive hours except for specified procedures/ treatments, where suchadmission could be for a period of less than 24consecutive hours.

1. Adenoidectomy 13. Radiotherapy 24. Inguinal/ventral/Umbilical/femoral hernia

2. Appendectomy 14. Lithotripsy 25. Parenteralchemotherapy

3. Ascitic/Pleural tapping 15. Incision and drainage ofabcess

26. Polypectomy

4. Auroplasty 16. Varicocelectomy 27. Septoplasty5. Coronary angiography 17. Wound suturing 28. Piles/fistula6. Coronary angioplasty 18. FESS 29. Prostate7. Dental surgery 19. Haemo dialysis 30. Sinusitis


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8. D & C 20.Fissurectomy/Fistulectomy

31. Tonsillectomy

9. Endoscopies 21. Mastoidectomy 32. Liver aspiration10. Excision ofCyst/granuloma /Lump

22. Hydrocele 33. Sclerotherapy

11. Eye surgery 23. Hysterectomy 34. Varicose Vein Ligation12. Fracture/dislocationexclu-ding hairline fracture

OR any other Surgeries / Procedures agreed by TPA/Company which require lessthan 24 hours hospitalization due to advancement in Medical Technology.Note: Procedures/treatments usually done in outpatient department are not payableunder the Policy even if converted as an In-patient in the Hospital for more than 24consecutive hours.

3.14.2 Day Care Centre: A Day Care Centre means any institution established for Day Caretreatment of Illness and or Injuries or a medical setup within a Hospital and which hasbeen registered with the local authorities, wherever applicable, and is undersupervision of a registered and qualified Medical Practitioner AND must comply withall minimum criteria as under:

1) has qualified nursing staff under its employment;2) has qualified Medical Practitioner/s in charge;3) Has a fully equipped operation theatre of its own where Surgical Procedure are

carried out;4) Maintains daily records of patients and will make these accessible to the insurance

companys authorized personnel.

3.15 ID CARD means the identity card issued to the insured person by the TPA to availcashless facility in network hospitals.

3.16 ILLNESS: Illness means a sickness or a disease or pathological condition leading to theimpairment of normal physiological function which manifests itself during the Policy


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Period and requires medical treatment.

3.17 INJURY: Injury means accidental physical bodily harm excluding Illness or disease solelyand directly caused by external, violent and visible and evident means which is verifiedand certified by a Medical Practitioner.

3.18 INPATIENT CARE: Inpatient Care means treatment for which the insured person has tostay in a Hospital for more than 24 hours for a covered event.

3.19 INSURED PERSON means You and each of the others who are covered under this Policyas shown in the Schedule.

3.20 INTENSIVE CARE UNIT (ICU): means an identified section, ward or wing of a Hospitalwhich is under the constant supervision of a dedicated Medical Practitioner, and whichis specially equipped for the continuous monitoring and treatment of patients who arein a critical condition, or require life support facilities and where the level of care andsupervision is considerably more sophisticated and intensive than in the ordinary andother wards.

3.21 MATERNITY EXPENSES:Maternity expense shall include:

a. Medical Treatment Expenses traceable to childbirth (including complicated deliveriesand caesarean sections incurred during Hospitalisation),

b. Expenses towards lawful medical termination of pregnancy during the Policy Period.

3.22 MEDICAL ADVICE: Any consultation or advice from a Medical Practitioner including theissue of any prescription or repeat prescription.

3.23 MEDICAL EXPENSES: Medical Expenses means those expenses that an Insured Personhas necessarily and actually incurred for medical treatment on account of Illness orInjury on the advice of a Medical Practitioner, as long as these are no more than wouldhave been payable if the Insured Person had not been insured and no more than otherHospitals or doctors in the same locality would have charged for the same medicaltreatment.

3.24 MEDICALLY NECESSARY treatment is defined as any treatment, tests, medication, orstay in Hospital or part of a stay in Hospital which


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- is required for the medical management of the Illness or Injury suffered by theinsured;

- must not exceed the level of care necessary to provide safe, adequate and appropriatemedical care in scope, duration, or intensity;

- must have been prescribed by a Medical Practitioner;- must confirm to the professional standards widely accepted in international medicalpractice or by the medical community in India.

3.25 MEDICAL PRACTITIONER: is a person who holds a valid registration from the MedicalCouncil of any State or Medical Council of India or Council for Indian Medicine or forHomeopathy set up by the Government of India or a State Government and is therebyentitled to practice medicine within its jurisdiction; and is acting within the scope andjurisdiction of his license.

Note: The Medical Practitioner should not be the insured or close family members.

3.26 NETWORK HOSPITAL: All such Hospitals, Day Care Centers or other providers that theInsurance Company / TPA has mutually agreed with, to provide services like cashlessaccess to policyholders. The list is available with the insurer/TPA and subject toamendment from time to time.

3.27 NON-NETWORK HOSPITAL: Any Hospital, Day Care centre or other provider that is notpart of the Network.

3.28 OPD TREATMENT: OPD treatment is one in which the Insured visits a clinic / Hospital orassociated facility like a consultation room for diagnosis and treatment based on theadvice of a Medical Practitioner. The Insured is not admitted as a Day Care or Inpatient.

3.29 PERIOD OF INSURANCE means the period for which this Policy is taken as specified inthe Schedule.

3.30 PRE-EXISTING CONDITION/DISEASE Any condition, ailment or Injury or relatedcondition(s) for which Insured Person had signs or symptoms, and / or were diagnosed,and / or received medical advice / treatment within 12 months prior to the first policyissued by the insurer.


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3.31 PRE HOSPITALISATION MEDICAL EXPENSES means Medical Expenses incurredimmediately before the Insured Person is Hospitalized, provided that:

ii. Such Medical Expenses are incurred for the same condition for which the InsuredPersons Hospitalization was required, and

ii. The Inpatient Hospitalization claim for such Hospitalization is admissible by theInsurance Company.

3.32 POST HOSPITALISATION MEDICAL EXPENSES means Medical Expenses incurredimmediately after the Insured Person is discharged from the Hospital provided that:

i. Such Medical Expenses are incurred for the same condition for which the InsuredPersons Hospitalization was required, and

ii. The Inpatient Hospitalization claim for such Hospitalization is admissible by theInsurance Company.

3.33 PORTABILITY: Portability means transfer by an individual health insurance policyholder(including family cover) of the credit gained for pre-existing conditions and time boundexclusions if he/she chooses to switch from one insurer to another.

3.34 QUALIFIED NURSE: Qualified nurse is a person who holds a valid registration from theNursing Council of India or the Nursing Council of any state in India.

3.35 REASONABLE AND CUSTOMARY EXPENSES: Reasonable charges means the charges forservices or supplies, which are the standard charges for the specific provider andconsistent with the prevailing charges in the geographical area for identical or similarservices, taking into account the nature of the Illness / Injury involved.

3.36 RENEWAL: Renewal defines the terms on which the contract of insurance can berenewed on mutual consent with a provision of grace period for treating the renewalcontinuous for the purpose of all waiting periods.

3.37 ROOM RENT: Room Rent means the amount charged by a Hospital for the occupancy ofa bed per day (twenty four hours) basis and shall include associated medical expenses.

3.38 SUM INSURED is the maximum amount of coverage opted for each Insured Person andshown in the Schedule.


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3.39 SURGERY means manual and / or operative procedure (s) required for treatment of anIllness 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 bya Medical Practitioner.

3.40 TPA: Third Party Administrators or TPA means any person who is licensed under theIRDA (Third Party Administrators - Health Services) Regulations, 2001 by the Authority,and is engaged, for a fee or remuneration by an insurance company, for the purposes ofproviding health services.

3.41 UNPROVEN/EXPERIMENTAL TREATMENT: Treatment including drug experimentaltherapy, which is not based on established medical practice in India, is treatmentexperimental or unproven.

4.0 EXCLUSIONS: The Company shall not be liable to make any payment underthis policy inrespect of:

4.1 PRE-EXISTING DISEASES/CONDITION BENEFITSDELETEDwill not be available for any condition(s) as defined in the policy, until 48 months ofcontinuous coverage have elapsed, since inception of the first policy with us.

4.2 30-DAY EXCLUSION: Any Illness other than those stated in clause 4.3 below,contracted by the insured person during first 30 days from the commencement date ofthe policy. This exclusion will not apply if the policy is renewed with our Companywithout any break. The exclusion does not also apply to treatment for any Injury.

4.3 WAITING PERIOD FOR SPECIFIED ILLNESS /DISEASES/AILMENTS/CONDITIONS:DELETEDFrom the time of inception of the cover, the policy will not cover the followingdiseases/ailments/conditions for the duration shown below. This exclusion will bedeleted after the duration shown, provided the policy has been continuously renewedwith our Company without any break.


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S No Name of Disease/Ailment/Surgery not covered for Duration1 Any Skin disorder One year2 All internal & external benign tumors, cysts, polyps of any kind, including One year

benign breast lumps3 Benign Ear, Nose, Throat disorders One year4 Benign Prostate Hypertrophy One year5 Cataract & age related eye ailments One year

6 Diabetes mellitus One year7 Gastric/ Duodenal Ulcer One year8 Gout & Rheumatism One year9 Hernia of all types One year10 Hydrocele One year11 Hypertension One year12 Hysterectomy for Menorrhagia/Fibromyoma, Myomectomy and Prolapse One year

of uterus13 Non Infective Arthritis One year14 Piles, Fissure and Fistula in Anus One year15 Pilonidal Sinus, Sinusitis and related disorders One year16 Prolapse Inter Vertebral Disc unless arising from accident One year17 Stone in Gall Bladder & Bile duct One year18 Stones in Urinary Systems One year19 Unknown Congenital internal disease/defects One year20 Varicose Veins and Varicose Ulcers One year21 Age related Osteoarthritis & Osteoporosis One year22 Joint Replacements due to Degenerative Condition One year

4.4 Permanent Exclusions: Any medical expenses incurred for or arising outof:

4.4.1 War invasion, Act of foreign enemy, War like operations, Nuclear weapons, ionizingradiation, contamination by radio activity, by any nuclear fuel or nuclear waste or fromthe combustion of nuclear fuel.

4.4.2 Circumcision, cosmetic or aesthetic treatment, plastic surgery unless required to treat


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injury or illness.4.4.3 Vaccination & Inoculation.

4.4.4 Cost of braces, equipment or external prosthetic devices, non-durable implants,eyeglasses, Cost of spectacles and contact lenses, hearing aids including cochlearimplants, durable medical equipment.

4.4.5 All types of Dental treatments except arising out of an accident.

4.4.6 Convalescence, general debility, Run-down condition or rest cure, obesity treatmentand its complications, congenital external disease/defects or anomalies, treatmentrelating to all psychiatric and psychosomatic disorders, infertility, sterility, use ofintoxicating drugs/alcohol, use of tobacco leading to cancer.

4.4.7 Bodily injury or sickness due to willful or deliberate exposure to danger (except in anattempt to save human life), intentional self-inflicted injury, suicide or attempt threat,arising out of non-adherence to medical advice.

4.4.8 Treatment of any Bodily injury sustained whilst or as a result of active participation inany hazardous sports of any kind.

4.4.9 Treatment of any bodily injury sustained whilst or as a result of participating in anycriminal act.

4.4.10 Sexually transmitted diseases, any condition directly or indirectly caused due to orassociated with Human T-Cell Lymphotropic Virus Type III (HTLB-III) or lymphotropathyAssociated Virus (LAV) or the Mutants Derivative or Variation Deficiency syndrome orany syndrome or condition of a similar kind commonly referred to as AIDS.

4.4.11 Diagnosis, X-Ray or Laboratory examination not consistent with or incidental to thediagnosis of positive existence and treatment of any ailment, sickness or injury, forwhich confinement is required at a Hospital/Nursing Home.

4.4.12 Vitamins and tonics unless forming part of treatment for injury or disease as certified bythe attending physician.

4.4.13 Maternity Expenses, except abdominal operation for extra uterine pregnancy (EctopicPregnancy), which is proved by submission of ultra Sonographic Report and Certification


Page | 17

by Gynecologist that it is life threatening.4.4.14 Naturopathy Treatment.

4.4.15 Instrument used in treatment of Sleep Apnea Syndrome (C.P.A.P.) and continuousPeritoneal Ambulatory dialysis (C.P.A.D.) and Oxygen Concentrator for BronchialAsthmatic condition.

4.4.16 Genetic disorders and stem cell implantation / surgery.4.4.17 Domiciliary Hospitalization.4.4.18 Treatment taken outside India.4.4.19 Experimental Treatment, Unproven treatment.

4.4.20 Change of treatment from one system to another unless recommended by theconsultant / hospital under whom the treatment is taken.

4.4.21 Any expenses relating to cost of items detailed in Annexure I.

4.4.22 Service charges or any other charges levied by hospital, except registration/admissioncharges.

4.4.23 Treatment for Age Related Macular Degeneration (ARMD) , treatments such asRotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation(ECP), Enhanced External Counter Pulsation (EECP), Hyperbaric Oxygen Therapy

5.0 CONDITIONS:

5.1 CONTRACT: The proposal form, declaration, Health Certificate, and policy issued shallconstitute the complete contract of insurance.

5.2 COMMUNICATION: Every notice or communication to be given or made under this Policyother than that relating to claim shall be delivered in writing at the address of the policyissuing office as shown in the schedule. The claim shall be referred to the TPA appointedfor providing claim service as per the procedure mentioned in the guidelines circulated bythe T.P.A. to the policyholders. In case TPA services are not availed then claim shall bereported to the policy issuing office.


Page | 18

5.3 PREMIUM PAYMENT: The premium payable under this policy shall be paid in advance. Noreceipt for premium shall be valid except on the official form of the company signed by aduly authorized official of the Company. The due payment of premium and theobservance and fulfillment of the terms, provisions, conditions and endorsements of thispolicy by the Insured Person in so far as they relate to anything to be done or compliedwith by the Insured Person shall be a condition precedent to any liability of the Companyto make any payment under the Policy. No waiver of any terms, provision, conditions andendorsement of this policy shall be valid unless made in writing and signed by anauthorized official of the Company.

5.4 PHYSICAL EXAMINATION: Any Medical Practitioner authorized by the TPA /Company shallbe allowed to examine the Insured Person in case of any alleged disease/illness/injuryrequiring Hospitalization. Non-co-operation by the Insured Person will result into rejectionof his/her claim.

5.5 FRAUD, MISREPRESENTATION, CONCEALMENT: The policy shall be null and void and nobenefits shall be payable in the event of misrepresentation, misdescription ornondisclosure of any material fact/particular if such claim be in any manner fraudulent orsupported by any fraudulent means or device whether by the Insured Person or by anyother person acting on his/her behalf.

5.6 CONTRIBUTION: If two or more policies are taken by the Insured Person during a periodfrom one or more insurers to indemnify treatment costs, the Company shall not apply thecontribution clause, but the Insured Person shall have the right to require a settlement ofhis/her claim in terms of any of his policies.

1. In all such cases the Company shall be obliged to settle the claim without insisting onthe contribution clause as long as the claim is within the limits of and according to theterms of the policy.

2. If the amount to be claimed exceeds the sum insured under a single policy afterconsidering the deductibles or co-pay, the Insured Person shall have the right tochoose insurers by whom the claim to be settled. In such cases, the insurer may settlethe claim with contribution clause.

3. Except in benefit policies, in cases where an Insured Person has policies from morethan one insurer to cover the same risk on indemnity basis, the Insured Person shall


Page | 19

only be indemnified the Hospitalisation costs in accordance with the terms andconditions of the policy.

Note: The insured Person must disclose such other insurance at the time of making aclaim under this Policy.

5.7 CANCELLATION CLAUSE:

The Company may at any time cancel this Policy by sending the Insured 30 days notice byregistered letter at the Insureds last known address and in such event the Company shallrefund to the Insured a pro-rata premium for un-expired Period of Insurance. Thecompany shall however, remain liable for any claim, which arose prior to the date ofcancellation. The Insured may at any time cancel this Policy and in such event theCompany shall allow refund of premium at Companys short period rate only (table givenhere below) provided no claim has occurred up to the date of cancellation.

PERIOD ON RISK RATE OF PREMIUM TO BE CHARGED (RETAINED)Up to 6 MONTHS 100% OF ANNUAL PREMIUM RATELESS THAN 6 MONTHS NOT LESS THAN 50% OF ANNUAL PREMIUM RATE

5.8 DISCLAIMER OF CLAIM: If The TPA / Company shall disclaim liability to theInsured for anyclaim hereunder and if the insured shall not, within 12 calendar months from the date orreceipt of the notice of such disclaimer notify the TPA / Company in writing that he doesnot accept such disclaimer and intends to recover his claim from the Company, then theclaim shall for all purposes be deemed to have been abandoned and shall not thereafterbe recoverable hereunder.

5.9 All medical/surgical treatment under this policy shall have to be taken in India.6.0 RENEWAL OF POLICY:

The Company sends renewal notice as a matter of courtesy. If the insured does notreceive the renewal notice it will not amount to deficiency of service.

The Company shall not be responsible or liable for non-renewal of the policy due to non-receipt /delayed receipt of renewal notice or due to any other reason whatsoever.


Page | 20

We shall be entitled to decline renewal if:(a) Any fraud, moral hazard/misrepresentation or suppression by You or any one acting on

Your behalf is found either in obtaining insurance or subsequently in relation thereto,or non-cooperation of the Insured Person, or

(b) We have discontinued issue of the Policy, in which event You shall however have theoption for renewal under any similar Policy being issued by Us; provided however,benefits payable shall be subject to the terms contained in such other Policy, or

(c) You fail to remit Premium for renewal before expiry of the Period of Insurance. Wemay accept renewal of the Policy if it is effected within thirty days (grace period) ofthe expiry of the Period of Insurance. On such acceptance of renewal, we, howevershall not be liable for any claim arising out of Illness contracted or Injury sustained orHospitalization commencing in the interim period after expiry of the earlier Policy andprior to date of commencement of subsequent Policy

7.0 Premium loading and Discount:ICR ( (claims paid + outstanding claims + TPA fees)/ premium)

Loading/ Discount at the time ofrenewal

Less than or equal to 85% Discount of 5%Greater than100% but less than or equal to 110% Loading by 8%Greater than 110% but less than or equal to 130% Loading by 20%Greater than 130% but less than or equal to 140% Loading by 36%Greater than 140% but less than equal to 150% Loading by 46%Greater than 150% but less than equal to 160% Loading by 56%Greater than 160% Premium rates will be reviewed.

8.0 COMPANYS LIABILITY:

The Companys liability in respect of all claims admitted during the period of Insuranceshall not exceed the sum insured including Cumulative Bonus.

9.0 NOTICE OF CLAIM:

Preliminary notice of claim with particulars relating to Policy Number, name of insuredperson in respect of whom claim is to be made, nature of illness/injury and Name andAddress of the attending Medical Practitioner/Hospital/Nursing Home should be given tothe Company/TPA within 72 hours from the date of hospitalization in respect ofreimbursement claims.


Page | 21

Final claim along with hospital receipted original Bills/Cash memos, claim form and list ofdocuments as listed below etc. should be submitted to the Policy issuing Office/TPA notlater than 30 days of discharge from the hospital. The insured may also be required to givethe Company/TPA such additional information and assistance as the Company/TPA mayrequire in dealing with the claim.1. Bill, Receipt and Discharge certificate / card from the Hospital.2. Cash Memos from the Hospitals (s) / Chemists (s), supported by proper prescriptions.3. Receipt and Pathological test reports from Pathologist supported by the note from the

attending Medical Practitioner / Surgeon recommending such Pathological tests/pathological

4. Surgeon's certificate stating nature of operation performed and Surgeons bill andreceipt.

5. Attending Doctor's/ Consultant's/ Specialist's / Anesthetists bill and receipt, andcertificate regarding diagnosis.

6. Certificate from attending Medical Practitioner / Surgeon that the patient is fully cured.

Waiver: Waiver of period of intimation may be considered in extreme cases of hardshipswhere it is proved to the satisfaction of the Company/TPA that under the Circumstances inwhich the insured was placed it was not possible for him or any other person to give suchnotice or file claim within the prescribed time limit.

10.0 PROCEDURE FOR AVAILING CASHLESS ACCESS SERVICE:

Claims in respect of Cashless access services will be through the agreed list of network ofhospital / nursing home and is subject to pre-admission authorization. The TPA shall, upongetting the related medical information from the insured person /network provider, verifythat the person is eligible to claim under the policy and after satisfying itself will issue apre-authorization letter / guarantee of payment letter to the hospital /nursing homementioning the sum guaranteed as payable also the ailment for which the person isseeking to be admitted as a patient. The TPA reserves the right to deny pre-authorizationin case the insured person is unable to provide the relevant medical details as required bythe TPA. The TPA will make it clear to the insured person that denial of Cashless Access isin no way construed to be denial of treatment. The insured person may obtain thetreatment as per his /her treating doctors advice and later on submit the full claim papers


Page | 22

to the TPA for reimbursement.

11.0 REPUDIATION OF CLAIMSA claim, which is not covered under the Policy conditions, can be rejected. All thedocuments submitted to TPA shall be electronically collected by Us for settlement anddenial of the claims by the appropriate authority.

With Our prior approval Communication of repudiation shall be sent to You, explicitlymentioning the grounds for repudiation, through Our TPA.

12.0 PROTECTION OF POLICY HOLDERS INTEREST: This policy is subject to IRDA (Protection ofPolicyholders Interest) Regulation, 2002.

13.0 GRIEVANCE REDRESSAL: In the event of Insured has any grievance relating to theinsurance, You may contact any of the Grievance Cells at Regional Offices of the Companyor Office of the Insurance Ombudsman under the jurisdiction of which the Policy IssuingOffice falls.

14.0 PAYMENT OF CLAIMThe insurer shall settle the claim, including rejection, within thirty days of the receipt ofthe last necessary document.

On receipt of the duly completed documents either from the insured or hospital the claimshall be processed as per the conditions of the policy. Upon acceptance of claim by theinsured for settlement, the insurer or their representative (TPA) shall transfer the fundswithin seven working days. In case of any extra ordinary delay, such claims shall be paid bythe insurer or their representative (TPA) with a penal interest at a rate which is 2% abovethe bank rate at the beginning of the financial year in which the claim is reviewed.All admissible claims shall be payable in Indian Currency.

15.0 PERIOD OF POLICY: This insurance policy is issued for a period of one year.

16.0 ARBITRATION: If we admit liability for any claim but any difference or dispute arises as tothe amount payable for any claim the same shall be decided by reference to Arbitration.

The Arbitrator shall be appointed in accordance with the provisions of the Arbitration andConciliation Act, 1996.


Page | 23

No reference to Arbitration shall be made unless We have Admitted our liability for a claimin writing.If a claim is declined and within 12 calendar months from such disclaimer any suit orproceeding is not filed then the claim shall for all purposes be deemed to have beenabandoned and shall not thereafter be recoverable hereunder.


Page | 24

ANNEXURE I: LIST OF EXPENSES EXCLUDED ("NON-MEDICAL")SNO LIST OF EXPENSES EXCLUDED ("NON-MEDICAL") SUGGESTIONS

TOILETRIES/COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS1 HAIR REMOVAL CREAM Not Payable2 BABY CHARGES (UNLESS SPECIFIED/INDICATED) Not Payable3 BABY FOOD Not Payable4 BABY UTILITES CHARGES Not Payable5 BABY SET Not Payable6 BABY BOTTLES Not Payable7 BRUSH Not Payable8 COSY TOWEL Not Payable9 HAND WASH Not Payable10 M01STUR1SER PASTE BRUSH Not Payable11 POWDER Not Payable12 RAZOR Payable13 SHOE COVER Not Payable14 BEAUTY SERVICES Not Payable

15 BELTS/ BRACESPayable for cases who haveundergone Surgery of thoracic orlumbar spine.

16 BUDS Not Payable17 BARBER CHARGES Not Payable18 CAPS Not Payable19 COLD PACK/HOT PACK Not Payable20 CARRY BAGS Not Payable21 CRADLE CHARGES Not Payable22 COMB Not Payable23 DISPOSABLES RAZORS CHARGES ( for sitepreparations) Payable24 EAU-DE-COLOGNE / ROOM FRESHNERS Not Payable25 EYE PAD Not Payable26 EYE SHEILD Not Payable27 EMAIL / INTERNET CHARGES Not Payable28 FOOD CHARGES (OTHER THAN PATIENT'S DIETPROVIDED BY HOSPITAL) Not Payable29 FOOT COVER Not Payable30 GOWN Not Payable31 LEGGINGS Payable in bariatric and varicose


Page | 25

vein Surgery, where Surgery itselfis payable.

32 LAUNDRY CHARGES Not Payable33 MINERAL WATER Not Payable34 OIL CHARGES Not Payable35 SANITARY PAD Not Payable36 SLIPPERS Not Payable37 TELEPHONE CHARGES Not Payable38 TISSUE PAPER Not Payable39 TOOTH PASTE Not Payable40 TOOTH BRUSH Not Payable41 GUEST SERVICES Not Payable42 BED PAN Not Payable43 BED UNDER PAD CHARGES Not Payable44 CAMERA COVER Not Payable45 CLINIPLAST Not Payable46 CREPE BANDAGE Not Payable47 CURAPORE Not Payable48 DIAPER OF ANY TYPE Not Payable

49 DVD, CD CHARGESNot Payable (However if CD isspecifically sought by Insurer/TPAthen payable)

50 EYELET COLLAR Not Payable51 FACE MASK Not Payable52 FLEXI MASK Not Payable53 GAUSE SOFT Not Payable54 GAUZE Not Payable55 HAND HOLDER Not Payable56 HANSAPLAST/ADHESIVE BANDAGES Not Payable57 INFANT FOOD Not Payable

58 SLINGSReasonable costs for one sling incase of upper arm fracturesPayable

ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES59 WEIGHT CONTROL PROGRAMS/ SUPPLIES/ SERVICES Not Payable60 COST OF SPECTACLES/ CONTACT LENSES/ HEARINGAIDS ETC., Not Payable61 DENTAL TREATMENT EXPENSES THAT DO NOT Not Payable


Page | 26

REQUIRE HOSPITALISATION62 HORMONE REPLACEMENT THERAPY Not Payable63 HOME VISIT CHARGES Not Payable64 INFERTILITY/ SUBFERTILITY/ ASSISTED CONCEPTIONPROCEDURE Not Payable

65 OBESITY (INCLUDING MORBID OBESITY) TREATMENTIF EXCLUDED IN POLICY Not Payable66 PSYCHIATRIC & PSYCHOSOMATIC DISORDERS Not Payable67 CORRECTIVE SURGERY FOR REFRACTIVE ERROR Not Payable68 TREATMENT OF SEXUALLY TRANSMITTED DISEASES Not Payable69 DONOR SCREENING CHARGES Not Payable70 ADMISSION/REGISTRATION CHARGES Not Payable71 HOSPITALISATION FOR EVALUATION/ DIAGNOSTICPURPOSE Not Payable

72EXPENSES FOR INVESTIGATION/ TREATMENTIRRELEVANT TO THE DISEASE FOR WHICH ADMITTEDOR DIAGNOSED

Not Payable

73ANY EXPENSES WHEN THE PATIENT IS DIAGNOSEDWITH RETRO VIRUS + OR SUFFERING FROM /HIV/AIDS ETC IS DETECTED/ DIRECTLY OR INDIRECTLY

Not Payable

74 STEM CELL IMPLANTATION/ SURGERY and storage Not PayableITEMS WHICH FORM PART OF HOSPITAL SERVICES WHERE SEPARATE CONSUMABLES ARE NOT

PAYABLE BUT THE SERVICE IS75 WARD AND THEATRE BOOKING CHARGES Payable under OT Charges76 ARTHROSCOPY & ENDOSCOPY INSTRUMENTS Rental charged by the Hospitalpayable.77 MICROSCOPE COVER Payable under OT Charges78 SURGICAL BLADES, HARMONIC SCALPEL, SHAVER Payable under OT Charges79 SURGICAL DRILL Payable under OT Charges80 EYE KIT Payable under OT Charges81 EYE DRAPE Payable under OT Charges82 X-RAY FILM Payable under Radiology Charges,not as consumable83 SPUTUM CUP Payable under InvestigationCharges, not as consumable84 BOYLES APPARATUS CHARGES Part of OT Charges85 BLOOD GROUPING AND CROSS MATCHING OFDONORS SAMPLES Part of Cost of Blood


Page | 27

86 Antisepticordisinfectant lotions Part of Dressing Charges87 BAND AIDS, BANDAGES, STERLILE INJECTIONS,NEEDLES, SYRINGES Part of Dressing charges88 COTTON Part of Dressing Charges89 COTTON BANDAGE Part of Dressing Charges90 MICROPORE/ SURGICAL TAPE Part of Dressing Charges91 BLADE Not Payable92 APRON Not Payable93 TORNIQUET Not Payable94 ORTHOBUNDLE, GYNAEC BUNDLE Part of Dressing Charges95 URINE CONTAINER Not Payable

ELEMENTS OF ROOM CHARGE

96 LUXURY TAXActual tax levied by governmentis payable. Part of room chargefor sub limits

97 HVAC Part of room charge98 HOUSE KEEPING CHARGES Part of room charge99 SERVICE CHARGES WHERE NURSING CHARGE ALSOCHARGED Part of room charge100 TELEVISION & AIR CONDITIONER CHARGES Part of room charge101 SURCHARGES Part of room charge102 ATTENDANT CHARGES Part of room charge103 IM IV INJECTION CHARGES Part of nursing charge104 CLEAN SHEET Part of Laundry / Housekeeping105 EXTRA DIET OF PATIENT (OTHER THAN THAT WHICHFORMS PART OF BED CHARGE)

Patient Diet provided by Hospitalis payable

106 BLANKET/WARMER BLANKET Part of room chargeADMINISTRATIVE OR NON - MEDICAL CHARGES

107 ADMISSION KIT Not Payable108 BIRTH CERTIFICATE Not Payable109 BLOOD RESERVATION CHARGES AND ANTE NATALBOOKING CHARGES Not Payable110 CERTIFICATE CHARGES Not Payable111 COURIER CHARGES Not Payable112 CONVENYANCE CHARGES Not Payable113 DIABETIC CHART CHARGES Not Payable114 DOCUMENTATION CHARGES / ADMINISTRATIVEEXPENSES Not Payable


Page | 28

115 DISCHARGE PROCEDURE CHARGES Not Payable116 DAILY CHART CHARGES Not Payable117 ENTRANCE PASS / VISITORS PASS CHARGES Not Payable118 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE Payable under Post-Hospitalisation where admissible119 FILE OPENING CHARGES Not Payable120 INCIDENTAL EXPENSES / MISC. CHARGES (NOTEXPLAINED) Not Payable121 MEDICAL CERTIFICATE Not Payable122 MAINTENANCE CHARGES Not Payable123 MEDICAL RECORDS Not Payable124 PREPARATION CHARGES Not Payable125 PHOTOCOPIES CHARGES Not Payable126 PATIENT IDENTIFICATION BAND / NAME TAG Not Payable127 WASHING CHARGES Not Payable128 MEDICINE BOX Not Payable129 MORTUARY CHARGES Payable up to 24 hrs, shiftingcharges not payable130 MEDICO LEGAL CASE CHARGES (MLC CHARGES) Not Payable

EXTERNAL DURABLE DEVICES131 WALKING AIDS CHARGES Not Payable132 BIPAP MACHINE Not Payable133 COMMODE Not Payable134 CPAP/ CAPD EQUIPMENTS Device not payable135 INFUSION PUMP COST Device not payable136 OXYGEN CYLINDER (FOR USAGE OUTSIDE THEHOSPITAL) Not Payable137 PULSEOXYMETER CHARGES Device not payable138 SPACER Not Payable139 SPIROMETRE Device not payable140 SP02 PROBE Not Payable141 NEBULIZER KIT Not Payable142 STEAM INHALER Not Payable143 ARMSLING Not Payable144 THERMOMETER Not Payable145 CERVICAL COLLAR Not Payable146 SPLINT Not Payable147 DIABETIC FOOT WEAR Not Payable


Page | 29

148 KNEE BRACES ( LONG/ SHORT/ HINGED) Not Payable149 KNEE IMMOBILIZER/SHOULDER IMMOBILIZER Not Payable150 LUMBOSACRAL BELT Payable for Surgery of lumbarspine.

151 NIMBUS BED OR WATER OR AIR BED CHARGES

Payable for any ICU patientrequiring more than 3 days inICU, all patients with paraplegia/quadriplegia for any reason andat reasonable cost ofapproximately Rs 200/day

152 AMBULANCE COLLAR Not Payable153 AMBULANCE EQUIPMENT Not Payable154 MICROSHEILD Not Payable

155 ABDOMINAL BINDER

Payablein post-Surgery patientsof major abdominal Surgeryincluding TAH, LSCS, incisionalhernia repair, exploratorylaparotomy for intestinalobstruction, liver transplant etc.

ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION156 BETADINE / HYDROGEN PEROXIDE / SPIRIT /DISINFECTANTS ETC Not Payable

157 PRIVATE NURSES CHARGES - SPECIAL NURSINGCHARGES Post Hospitalization nursing charges Not Payable

158 NUTRITION PLANNING CHARGES - DIETICIANCHARGESDIET CHARGESPatient Diet provided by Hospitalis payable

159 SUGAR FREE TabletsPayable -Sugar free variants ofadmissible medicines are notexcluded

160 CREAMS POWDERS LOTIONSPayable when prescribed(Toiletries are not payable, onlyprescribed medicalpharmaceuticals payable)

161 Digestion gels Payable when prescribed162 ECG ELECTRODES One set every second day isPayable.163 GLOVES Sterilized Gloves payable (unsterilizedgloves not payable)164 HIV KIT payable Pre-operative screening


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165 LISTERINE/ ANTISEPTIC MOUTHWASH Payable when prescribed166 LOZENGES Payable when prescribed167 MOUTH PAINT Payable when prescribed168 NEBULISATION KIT If used during Hospitalisation isPayable reasonably169 NOVARAPID Payable when prescribed170 VOLINI GEL/ ANALGESIC GEL Payable when prescribed171 ZYTEE GEL Payable when prescribed172 VACCINATION CHARGES Routine Vaccination not Payable(Post Bite Vaccination Payable)

PART OF HOSPITAL'S OWN COSTS AND NOT PAYABLE173 AHD Part of Hospital's internal Cost174 ALCOHOL SWABES Part of Hospital's internal Cost175 SCRUB SOLUTION/STERILLIUM Part of Hospital's internal Cost

OTHERS176 VACCINE CHARGES FOR BABY Not Payable177 AESTHETIC TREATMENT / SURGERY Not Payable178 TPA CHARGES Not Payable179 VISCO BELT CHARGES Not Payable180 ANY KIT WITH NO DETAILS MENTIONED [DELIVERYKIT, ORTHOKIT, RECOVERY KIT, ETC] Not Payable181 EXAMINATION GLOVES Not payable182 KIDNEY TRAY Not Payable183 MASK Not Payable184 OUNCE GLASS Not Payable185 OUTSTATION CONSULTANT'S/ SURGEON'S FEES Not payable186 OXYGEN MASK Not Payable187 PAPER GLOVES Not Payable188 PELVIC TRACTION BELT Payable in case of PIVD requiringtraction189 REFERAL DOCTOR'S FEES Not Payable

190 ACCU CHECK (Glucometery/ Strips)Not payable (pre-Hospitalisationor post-Hospitalisation) / Reportsand Charts required / Device notpayable

191 PAN CAN Not Payable192 SOFNET Not Payable193 TROLLY COVER Not Payable


Page | 31

194 UROMETER, URINE JUG Not Payable195 AMBULANCE Payable196 TEGADERM / VASOFIX SAFETY Payable - maximum of 3 in 48 hrsand then 1 in 24 hrs

197 URINE BAGPayable where MedicallyNecessary - maximum 1 per 24hrs

198 SOFTOVAC Not Payable199 STOCKINGS Payable for case like CABG etc.

Sr No Hospital Location City State Address Status

PPN

Hospital PPNCITY

1 Deshpande Hospital Anandi Bazar Ahmednagar Maharashtra

Patwardhan Chowk Anandi

Bazar Empanelled

PPN Not

Applicable Other

2

Swasthya Hospital Medical

Research Center

Annabhau

Sathe Chowk Ahmednagar Maharashtra

Laltaki, Annabhau Sathe

Chowk, Ahmednagar Empanelled

PPN Not

Applicable Other

3 Akolkar Hospital

Burudgaon

Road Ahmednagar Maharashtra Burudgaon Road Near ITI Empanelled

PPN Not

Applicable Other

4 Sarthak Hospital

Burudgaon

Road Ahmednagar Maharashtra

Doctor's Colony Opp

Karachiwala Gas Godawune

Burudgaon Road Empanelled

PPN Not

Applicable Other

5 Wagh Nursing Home

Burudgaon


Burudgaon Road Near Hotel

Vaibhav Empanelled

PPN Not

Applicable Other

6 Kapase Eye Clinic Court Galli Ahmednagar Maharashtra Court Galli Ahmednagar Empanelled

PPN Not

Applicable Other

7 Dr Sunil Jadhav Hospital Delhi gate Ahmednagar Maharashtra

Chaupati Karanja Near Delhi

Gate Empanelled

PPN Not

Applicable Other

8

Gajanan Hospital &

Advanced Endoscopic Ent

Surgery Delhi gate Ahmednagar Maharashtra

Plot No 8 Satbhai Mala Delhi

gate Empanelled

PPN Not

Applicable Other

9

Pranav Hospital &

Maternity Home Kedgaon Ahmednagar Maharashtra Renuka Nagar Kedgaon Devi Empanelled

PPN Not

Applicable Other

10

Dr V N Deshpande Accident

& Superspeciality Centre Kings Road Ahmednagar Maharashtra Kings Road, Near Kothala Stand Empanelled

PPN Not

Applicable Other

MDINDIA HEALTHCARE SERVICES (TPA) PVT. LTD.

Provider Management

PAN India Empanelled Hospital List

Date : 06_05_2014

11

Sai Surya Netra Seva &

Research Manik Chowk Ahmednagar Maharashtra

Vardhaman, Manik Chowk, near

kotwali police sta. Empanelled

PPN Not

Applicable Other

12

Dr Bade Hospital Surgical &

Maternity Home

Nagar Manmad


Opp Oberai Hotel Savedi Road

Nagar Manmad Road Empanelled

PPN Not

Applicable Other

13

Navoday Surgical & Burn

Clinic

Nagar Shirdi


Near Big Bazar Premdan Chowk

Nagar Shirdi Road Empanelled

PPN Not

Applicable Other

14 Sunder Netralaya

Near Delhi

Gate Ahmednagar Maharashtra

Chaupati Karanja Near Delhi

Gate Empanelled

PPN Not

Applicable Other

15 City Care Hospital Near S T Stand Ahmednagar Maharashtra

Vinaj Estate Opp Tanakpur S T

Stand Tarakpur Empanelled

PPN Not

Applicable Other

16 Siddhivinayak Hospital Sakkar Chaowk Ahmednagar Maharashtra

New Tilak Road Sakkar Chaowk

Near Narwade Hospital Empanelled

PPN Not

Applicable Other

17 Zarekar Hospital Sakkar Chaowk Ahmednagar Maharashtra Sakkar Chowk New Tilak Road Empanelled

PPN Not

Applicable Other

18

Sarvodaya Hospital(dr

Sonambekar Hospital) Sangamner Ahmednagar Maharashtra

Near S T Bus Stand, opp. state

bank,Sangamner Empanelled

PPN Not

Applicable Other

19 Daule Hospital Savedi Ahmednagar Maharashtra

Nagar Manmad High Way

Savedi Empanelled

PPN Not

Applicable Other

20 Dr Anbhule Hospital Savedi Ahmednagar Maharashtra Premdan Chowk Savedi Empanelled

PPN Not

Applicable Other

21 Galaxy Hospital Savedi Ahmednagar Maharashtra

Zoppi Canteen Opp Saint

Monica college Savedi Empanelled

PPN Not

Applicable Other

22 Deepak Hospital Savedi Rd Ahmednagar Maharashtra Savedi Road Empanelled

PPN Not

Applicable Other

23 Dr Gore Eye Hospital Savedi Road Ahmednagar Maharashtra

Rainbow House Opp Deepak

Hospital Near Zopadi Canteen

Savedi Road Empanelled

PPN Not

Applicable Other

24

Naik Paediatric Surgery

Center Savedi Road Ahmednagar Maharashtra

Besides Hotel Parichay, Savedi

Rd, Empanelled

PPN Not

Applicable Other

25 Tarde Hospital Savedi Road Ahmednagar Maharashtra

100/4 Behind Hotel Premdan,

Near Shahar Bank, Savedi Road Empanelled

PPN Not

Applicable Other

26

Thorat Superspeciality Eye

Care Savedi Road Ahmednagar Maharashtra

Hira Panna Apt Savedi Road Dist

Ahmednagar Empanelled

PPN Not

Applicable Other

27

Dr Bakul Palwe Accidentand

Surgical Hospital Shriram Chowk Ahmednagar Maharashtra

Vasant Tekdi Shriram Chowk

Pipe Line Road Empanelled

PPN Not

Applicable Other

28 Dr Khalkar Hospital Station Road Ahmednagar Maharashtra

Plot No 16 Front of MCA

Ground Sattha Colony Station

Road Empanelled

PPN Not

Applicable Other

29 Pandit Accident Hospital Swastik Chowk Ahmednagar Maharashtra

Swastik Chowk Station Road

Ahmednagar Empanelled

PPN Not

Applicable Other

30 Bagal Nursing Home Tarakpur Ahmednagar Maharashtra Viraj Colony Tarakpur Empanelled

PPN Not

Applicable Other

31 Jeevandhara Hospital Tarakpur Ahmednagar Maharashtra

Krupa Tholar Compound Opp

Tarakpur Bus Stand Empanelled

PPN Not

Applicable Other

32 Zende Hospital

Tarakpur Bus

Stand Ahmednagar Maharashtra DSP Chowk Tarakpur bus Stand Empanelled

PPN Not

Applicable Other

33

Kadam Multispeciality

Hospital

Near Old Bus

Stand Akluj Maharashtra

Near old Bus Stand Akluj Tal

Malshiras Empanelled

PPN Not

Applicable Other

34 Ashwini Hospital sangram nagar Akluj Maharashtra Sangram Nagar Empanelled

PPN Not

Applicable Other

35 Shah Hospital sangram nagar Akluj Maharashtra Sangram Nagar Empanelled

PPN Not

Applicable Other

36 Veetarag Hospital

Sankar nagar

road Akluj Maharashtra

Near new st stand shankar

nagar road, akluj Empanelled

PPN Not

Applicable Other

37 Heda Hospital

Holy Cross

Convent Rd Akola Maharashtra

Holy Cross Convent Road, Kedia

Plot Empanelled

PPN Not

Applicable Other

38 Shree Samarth Hospital

Jatharpeth

Road Akola Maharashtra

Kedia Plot Near Maharastra

Kanya School Plot No 8/10 A

Jatharpeth Empanelled

PPN Not

Applicable Other

39 Vitthal Hospital

Jatharpeth

Road Akola Maharashtra Jatharpeth Road, Kedia Plot Empanelled

PPN Not

Applicable Other

40 Murarka Hospital

Jatherpeth

Road Akola Maharashtra Jatherpeth Road,Durga Chowk Empanelled

PPN Not

Applicable Other

41 Harish Hospital Kedia Plot Akola Maharashtra Kedia Plot, Akola Empanelled

PPN Not

Applicable Other

42 Akola Accident Clinic Laxmi Nagar Akola Maharashtra

Laxmi Nagar, Opp. Govt Milk

Scheme, Murtizapur Roa Empanelled

PPN Not

Applicable Other

43 Siddhivinayak Hospital New Bus Stand Akola Maharashtra

Behind New Bus Stand, Near

Hotel Dreamland Empanelled

PPN Not

Applicable Other

44 Akola Eye Hospital Ramdaspeth Akola Maharashtra Ramdaspeth, Akola Empanelled

PPN Not

Applicable Other

45 Laxmi Icu & Nursing Home Shribag Alibag Maharashtra

Shribag No 3 Opp Raigad Bazar

Alibag Empanelled

PPN Not

Applicable Other

46 Patil Ent & Cancer Hospital Badnera Road Amravati Maharashtra Rajapeth Square Bandera Road Empanelled

PPN Not

Applicable Other

47 Navjivan Hospital Camp Amravati Maharashtra Camp, Girls High School Square Empanelled

PPN Not

Applicable Other

48 Vyawahare Eye Hospital Gadge Nagar Amravati Maharashtra Jayant Complex, Gadge Nagar Empanelled

PPN Not

Applicable Other

49 Parashri Speciality Hospital

Khaperde

Bagicha Amravati Maharashtra

Near Osmania Masjid, Khaperde

Bagicha Empanelled

PPN Not

Applicable Other

50 Deshmukh Eye Hospital

Khaperde

Gardens Amravati Maharashtra

Daulat, Netradan Marg,

Khaperde Gardens, Empanelled

PPN Not

Applicable Other

51 Dr Vijay agrawal eye Clinic

Near central

bank Amravati Maharashtra

Marshi road, near central

banksakun bhavan Empanelled

PPN Not

Applicable Other

52 Netra Jyot Eye Hospital

Near Rajapeth

Police Station Amravati Maharashtra Tejul Towers, Badnera Road Empanelled

PPN Not

Applicable Other

53

Galaxy Hospital & Apex

Critical Care Rajapeth Amravati Maharashtra

Kolhatkar Mangal Karyalaya

Road Rajapeth Empanelled

PPN Not

Applicable Other

54

Hi Tech Critical Care And

Bonde Hospital Rajapeth Amravati Maharashtra Near Nanda Market, Rajapeth Empanelled

PPN Not

Applicable Other

55

Yash Netralaya & Bal

Ruganalay

Rukhamini

Nagar Amravati Maharashtra

Vijay Colony, Near Rajurkar

Furniture Empanelled

PPN Not

Applicable Other

56 Dunakhe Hospital Adalat Road Aurangabad Maharashtra

9, Hotel Ashoka Compound,

Opp Dist Court, Adalat Road,

Aurangabad Empanelled

PPN Not

Applicable Other

57

Hitech Critical Care

Instutute Adalat Road Aurangabad Maharashtra

108, Samtanagar, Adalat Road,


PPN Not

Applicable Other

58

Seth Nandlal Dhoot

Hospital Airport Road Aurangabad Maharashtra

A1 /A2 MIDC Chikalthana

Airport Road Aurangabad Empanelled

PPN Not

Applicable Other

59 Patwardhan Hospital Bansilal Nagar Aurangabad Maharashtra Station Road, Bansilal Nagar Empanelled

PPN Not

Applicable Other

60

Apex Super Speciality

Hospital Bassaye Nagar Aurangabad Maharashtra

6,7 Bassaye Nagar, Opp.

Yashoda Hospital Empanelled

PPN Not

Applicable Other

61 Padmavati Hospital Chetna Nagar Aurangabad Maharashtra

B Wing, Gurunath Sankul, Kalda

Corner, Chetna Nagar Empanelled

PPN Not

Applicable Other

62

Dande Diabetes & Heart

Care Centre CIDCO Aurangabad Maharashtra 49, Mayanagar N-2 CIDCI Empanelled

PPN Not

Applicable Other

63 Sumananjali Nursing Home Cidco Aurangabad Maharashtra

Plot no-3, N-2 CIDCO, Airport

Road Empanelled

PPN Not

Applicable Other

64 Dr Hedgewar Rugnalaya

Garkhada

Parisar Aurangabad Maharashtra

Jawaher Colony, Near Gajanan

Maharaj Mandir, Garkhada

Parisar Empanelled

PPN Not

Applicable Other

65 Gade Hospital

Garkheda


Plot No 08 Chaitanya Hou

Society Pundlik Nagar Rd

Gajanan Mandir Chowk Empanelled

PPN Not

Applicable Other

66

Manik Hospital & Research

Centre

Garkheda


Shivneri Nagar Beside Jawahar

Nagar Police Station Empanelled

PPN Not

Applicable Other

67 Bembde Hospital

Jai

Vishwabharati

Colony Aurangabad Maharashtra

14, BEED BY PASS ROAD,

SATARA PARISAR, Empanelled

PPN Not

Applicable Other

68

Aurangabad Institute Of

Medical Sciences Pvt Ltd Jalgaon Road Aurangabad Maharashtra

Plot No 20 Sector A N II Jalgaon

Road Near Sairad Hotel Empanelled

PPN Not

Applicable Other

69 Jhunjhunwala Hospital Jalna Rd Aurangabad Maharashtra Opp Akashwani Jalna Road. Empanelled

PPN Not

Applicable Other

70 Ciigma Hospital Jalna Road Aurangabad Maharashtra

3, Raghuvir Nagar, Opp Sfs High

School Empanelled

PPN Not

Applicable Other

71 Kabra Hospital Jalna Road Aurangabad Maharashtra

55, Mahesh Nagar, Opp SFS

Highschool, Empanelled

PPN Not

Applicable Other

72 Kodlikeri Hospital & Trust Jalna Road Aurangabad Maharashtra

8, Majeet Nagar, Opp.

Akashwani, Jalna Road Empanelled

PPN Not

Applicable Other

73

Sai Hospital & Critical Care

Centre Jalna Road Aurangabad Maharashtra

22, New Rokadiya Hanuman

Colony, Opp. Patidar Bhav Empanelled

PPN Not

Applicable Other

74

Tirupati Netralaya & Dental

Hospital Jalna Road Aurangabad Maharashtra Opposite to S.F.S., Jalna Road Empanelled

PPN Not

Applicable Other

75

Deogiri Nursing Home-

endoscopy & Testtube Baby

Centre

Jawahar

Colony Aurangabad Maharashtra

1, Bhanudasnagar, Jawahar

Colony, Behind Akashwani,


PPN Not

Applicable Other

76 Sachin Hospital Khadkeshwar Aurangabad Maharashtra

Vishwa Building, Opp Anjali

Cinema, Khadkeshwar Empanelled

PPN Not

Applicable Other

77 Prestige Hospital Khadkeswar Aurangabad Maharashtra

5-6-30, Kotwalpura,

Khadkeshwar Empanelled

PPN Not

Applicable Other

78

Dongaonkar Superspeciality

Eye Hospital Krantichowk Aurangabad Maharashtra

Shrinathji Apt Near Devgiri Bank

Usmanpura Road Krantichowk Empanelled

PPN Not

Applicable Other

79

Sanjeevani Childrens

Hospital Kusal Nagar Aurangabad Maharashtra

14/15 Kushal Nagar Near

Patidar Bhavan Jalna Road

Behind J & K Bank Empanelled

PPN Not

Applicable Other

80 Suyash Nursing Home

MGM Hospital

Road Aurangabad Maharashtra 11, 7 Hills Colony Empanelled

PPN Not

Applicable Other

81 Devdatt Palnitkar Hospital

Near Baba

Petrol pump Aurangabad Maharashtra

Shirphal, Bhagyanagar, near

Baba Petrol Pump Empanelled

PPN Not

Applicable Other

82

Saoji Pratishthan &

Research Centre

Near Cosmos

Bank Aurangabad Maharashtra

32 Shriniketan Colony Near

Cosmos Bank Empanelled

PPN Not

Applicable Other

83 Chhabda Hospital

New

Osmanpura Aurangabad Maharashtra

Opposite Sant Eknath Rang

Mandir, New Osmanpura,


PPN Not

Applicable Other

84

Citicare Superspeciality

Hospital

New

Ousmanpur Aurangabad Maharashtra

Opp Kalash Mangal Karyalaya

New Ousmanpur Empanelled

PPN Not

Applicable Other

85 Sai Urology Hospital

Opp CADA

Office Aurangabad Maharashtra

Plot No 1, Vishal Nagar,

Gajanan Mandir Road, Opp

CADA Office Empanelled

PPN Not

Applicable Other

86

Century Multispeciality

Hospital

Opp Central

Bus Stand Aurangabad Maharashtra

Opp Central Bus Stand Behind

Hotel Ajinkya Empanelled

PPN Not

Applicable Other

87 United Ciigma Hospital

Opp easy mall

dargha road Aurangabad Maharashtra Opp easy mall dargha road Empanelled

PPN Not

Applicable Other

88 Dhanwai & Singh Hospital

Ranjanwan

Society Aurangabad Maharashtra

N-9, M-2 Road, 103, Ranjanwan

Society, Hudco, Near T V Centre Empanelled

PPN Not

Applicable Other

89 Drusti Eye Institute Pvt Ltd Samarth Nagar Aurangabad Maharashtra 139 Samarth Nagar Empanelled

PPN Not

Applicable Other

90 Hazari Nursing Home Samarth Nagar Aurangabad Maharashtra Samarth Nagar, Aurangabad Empanelled

PPN Not

Applicable Other

91 Wadgaonkar Eye Hospital Samarth Nagar Aurangabad Maharashtra

1267, Varad Ganesh Mandir

Road, Below UCO Bank Empanelled

PPN Not

Applicable Other

92

Kamalnayan Bajaj Hospital

(mmri) Satara Parisar Aurangabad Maharashtra

Gut. 43, Satara Parisar, Beed By

Pass Road Empanelled

PPN Not

Applicable Other

93

MIT Hospital & Research

Institute Sec F 4 Aurangabad Maharashtra N-4 Cidco, Plot No. 144, Sec. F-4 Empanelled

PPN Not

Applicable Other

94 Sushila Netralay Station Road Aurangabad Maharashtra 8, Bansilalnagar Empanelled

PPN Not

Applicable Other

95

Aadhaar Hospital & Critical

Care Unit Ulka Nagari Aurangabad Maharashtra

4, Toshniwal Complex, Opp. Sai

Hall, Above Sapna S Empanelled

PPN Not

Applicable Other

96 Bhandare Hospital Baramati Baramati Maharashtra Opp S T Stand, Baramati Empanelled

PPN Not

Applicable Other

97 Bobade Accident Hospital Baramati Baramati Maharashtra

Near Market Yard, Indapur

Road Baramati Empanelled

PPN Not

Applicable Other

98 Giriraj Hospital Baramati Baramati Maharashtra

Indapur Road Near Bus

Stop,Baramati Empanelled

PPN Not

Applicable Other

99

Niramaya Medical

Foundation & Research

Center (P) Ltd Baramati Baramati Maharashtra

Gat No. 105, Plot No. 245 to

249, Bhigwan Road Jal Empanelled

PPN Not

Applicable Other

100

Shree Hospital & Maternity

Home Baramati Baramati Maharashtra

A/p Jalochi Suryanagari MIDC

Opp City INN Near Suman

Presidency GR No 171 Flot No 8 Empanelled

PPN Not

Applicable Other

101 Bhagyajaya Hospital Indapur Road Baramati Maharashtra

Indapur Road In Frunt of

Market yard Empanelled

PPN Not

Applicable Other

102 Jadhav Hospitlal Nasna Peth Barshi Maharashtra

4, Nasha Peth, Barshi, Nr

Bhagwan Mandir Empanelled

PPN Not

Applicable Other

103

Vithai Hospital & Research

Centre Jirewadi Beed Maharashtra

Dr Lahane Farm, Jirewadi, Jalna

Road, Beed Empanelled

PPN Not

Applicable Other

104

Jadhav Hospital &

Maternity Home kada Beed Maharashtra At & Post Kada Taluka Ashti Empanelled

PPN Not

Applicable Other

105 Lodha Hospital Subhash Road Beed Maharashtra

Near N K Selection, Subhash

Road Jalna road, AD patel sweet

home Beed Empanelled

PPN Not

Applicable Other

106 Phoenix Critical Care Centre Subhash Road Beed Maharashtra Gurukrupa, Subhash Road Empanelled

PPN Not

Applicable Other

107

SMS Hospital & Research

Centre Subhash Road Beed Maharashtra Subhash Road, Beed Empanelled

PPN Not

Applicable Other

108 Indrakshi Eye Care

Nagpur

Bhandara Road Bhandara Maharashtra

Takiya Ward Rajeev Gandhi

Square Near Dr Shripad Hospital

Nagpur Bhandara Road Empanelled

PPN Not

Applicable Other

109 Nakade Nursing Home Nagpur Road Bhandara Maharashtra

Behind Indralok Sabhagrah

Nagpur Road Empanelled

PPN Not

Applicable Other

110

Laksh Hospital Vyas

Fracture Accident &

Ayurveda Hospital Nr Sai Mandir Bhandara Maharashtra Near Sai Mandir, Takiya Ward Empanelled

PPN Not

Applicable Other

111 Vishvanath Hospital Jamner Road Bhusawal Maharashtra

Jamner Road Kanyalal Plot Neat

Asta Bhuj Mandir Empanelled

PPN Not

Applicable Other

112

Saipushpa Accident

Hospital Yawal Road Bhusawal Maharashtra Yawal Road Bhusawal Empanelled

PPN Not

Applicable Other

113 Laddhad Hospital

Behind Bus

Stand Buldhana Maharashtra Wankhede Lay Out, Buldhana Empanelled

PPN Not

Applicable Other

114

Dr Chinchole Netra

Ruganalay & Laser Centre Circular Road Buldhana Maharashtra Circular Road Chinchole Chowk Empanelled

PPN Not

Applicable Other

115

Om Netralaya & Dental

Clinic Hirapur Road Chalisgaon Maharashtra

Plot No 11 Aashish Sane Guruji

Nagar Hirapur Road Chalisgaon Empanelled

PPN Not

Applicable Other

116 Deore Hospital Laxmi Nagar Chalisgaon Maharashtra Laxmi Nagar, Bhadgaon Road Empanelled

PPN Not

Applicable Other

117

Matoshree Accident

Hospital Laxmi Nagar Chalisgaon Maharashtra

Plot No 240 S K Patil House,

Laxmi Nagar Chalisgao Empanelled

PPN Not

Applicable Other

118

Shri Sai Divine Cure

Multispeciality Hospital Bhanapeth Chandrapur Maharashtra

Near Suyog Mangal Karyalaya,

Bhanapeth Empanelled

PPN Not

Applicable Other

119

Manwatkar Multispeciality

Hospital Ekori ward Chandrapur Maharashtra Near Medicine Complax Empanelled

PPN Not

Applicable Other

120 Sainani Nursing Home Ganj Ward Chandrapur Maharashtra Ganj Ward Empanelled

PPN Not

Applicable Other

121 Spandan Heart Hospital N/A Chandrapur Maharashtra

Spandan Heart Hospital,

Chandrapur Empanelled

PPN Not

Applicable Other

122 Wasade Hospital Nagpur Road Chandrapur Maharashtra

Behind Axis Bank Civil Line

Nagpur Road Empanelled

PPN Not

Applicable Other

123

B K L Walawalkar Hospital

Diagnostic & Research

Centre Dervan Chiplun Maharashtra

Shreekshetra Dervan, Tal

Chiplun Dist Ratnagiri Empanelled

PPN Not

Applicable Other

124 Chiranjeev Balrugnalay Karad Road Chiplun Maharashtra

Anand, Karad Road, Markandi,

Chiplun Empanelled

PPN Not

Applicable Other

125 Desai Hospital

Opp. State

Bank Chiplun Maharashtra

Desai Plaza, Shivaji Chowk, Opp.

State Bank Empanelled

PPN Not

Applicable Other

126 Patankar Nursing Home

Shivaji Chawk

Chiplun Chiplun Maharashtra 335 B Shivaji Chawk Chiplun Empanelled

PPN Not

Applicable Other

127 Life Care Hospital Mirjoli Chiplun Chipun Maharashtra

Guhagar Baypass Road Mirjoli

Chiplun Tal Chiplun Empanelled

PPN Not

Applicable Other

128

Sonone Surgical &

Ophthalmic Hospital

Near Daund

College Daund Maharashtra Sawarkar Nagar Empanelled

PPN Not

Applicable Other

129

Lonkar Hospital & Intensive

Care Unit SRP camp road Daund Maharashtra Savarkar Nagar, Empanelled

PPN Not

Applicable Other

130 Tushar Hospital Ashok Ngr Dhule Maharashtra

Opp DSL Jamunagiri Rd., Ashok

Nagar Empanelled

PPN Not

Applicable Other

131 Sitaram Hospital

Bhangyamaruti

Chowk Dhule Maharashtra Bangyamaruti Chowk Lane No 6 Empanelled

PPN Not

Applicable Other

132 Chaitanya Hospital

Datta Mandir

Chowk Dhule Maharashtra

Ratnadeep Towers, Agra Road,

Deopur, Datta Mandir Empanelled

PPN Not

Applicable Other

133

Aastha Intensive Care

Centre

Malegaon

Road Dhule Maharashtra

Opp. Ramwadi, Malegaon Road,

Dhule Empanelled

PPN Not

Applicable Other

134 Shreepad Accident Hospital

Near

Telephone

Exchange Dhule Maharashtra

15, Onkar nagar, Opp. Pratik

Park, Near Telephone Empanelled

PPN Not

Applicable Other

135 Accident Hospital Ganesh Nagar Gondia Maharashtra Ganesh Nagar, Gondia Empanelled

PPN Not

Applicable Other

136

B J Hospital & Research

Institute Ganesh Nagar Gondia Maharashtra Ganesh Nagar, Gondia Empanelled

PPN Not

Applicable Other

137

Dr A P Gadekar (Gadekar

Hospital)

Girls College

Road Gondia Maharashtra

Gadekar Hospital, Girls College

Road Empanelled

PPN Not

Applicable Other

138 Gondia Care Hospital Gondia Gondia Maharashtra

Govindpur Road, Civil Lines,

Gondia Empanelled

PPN Not

Applicable Other

139

Central Hospital & Critical

Care Centre Sukhdev Ward Gondia Maharashtra

Sukhdev Ward Gaddha Toli

Gondia Empanelled

PPN Not

Applicable Other

140 Niramay Hospital Ichalkaranji Ichalkaranji Maharashtra

691/1, Mahasatta Ring Road,

West of Bohra

Market,Ichalkaranji Empanelled

PPN Not

Applicable Other

141

Shri Sai Surgical &

Maternity Hospital

Near Church

Yallamm

Chowk Islampur Maharashtra

Near Church Yallamm Chowk,

Unin- Islampur, Talwalw Empanelled

PPN Not

Applicable Other

142 Indu Hospital

Ayodhya Nagar

Jamnee Jalgaon Maharashtra

pachora Road Ayodhya Nagar

Jamnee Empanelled

PPN Not

Applicable Other

143

Shri Surgical & Maternity

Home

Behind Anant

Colony Jalgaon Maharashtra M.J.College Road Empanelled

PPN Not

Applicable Other

144

Vijayendra Hospital &

Maternity Home

Behind Old

Court Jalgaon Maharashtra

69, Zilla Peth, Behind Old Court,

Jalgoan Empanelled

PPN Not

Applicable Other

145

Jaslein Urology Clinics Pvt.

Ltd. Dhake Colony Jalgaon Maharashtra

Mahajan Hospital, 23 Dhake

Colony Empanelled

PPN Not

Applicable Other

146 Siddhivinayak Hospital

Icchadevi

Square Jalgaon Maharashtra Icchadevi Square Empanelled

PPN Not

Applicable Other

147 Mulik Netra Chikitsalaya Jilha Peth Jalgaon Maharashtra

Near State Bank of India, Jilha

Peth Empanelled

PPN Not

Applicable Other

148 Gajre Hospital Jilla Peth Jalgaon Maharashtra 25, 26 Gandhi Nagar, Jalgaon Empanelled

PPN Not

Applicable Other

149

Shree Gajanan Heart & Eye

Hospitals Pvt. Ltd Jillha Peth Jalgaon Maharashtra

Plot No370 In front of General

Post Office,Omkar Nagar Empanelled

PPN Not

Applicable Other

150 Khadke Accident Hospital

M J College

Road Jalgaon Maharashtra

M J College Road, Near Bhaskar

Market Empanelled

PPN Not

Applicable Other

151 Shri Saijeevan Hospital

M J College

road Jalgaon Maharashtra

Sadguru Plaza Prabhat Chowk

M J College Road A H 46 Empanelled

PPN Not

Applicable Other

152 Suyash Hospital

M.J College

Road Jalgaon Maharashtra

Nishigandha chambers,bhaskar

market,M.J college road,jalgaon Empanelled

PPN Not

Applicable Other

153

Indo American

Cardiovascular Center

Near Golani

Market Jalgaon Maharashtra Visanaji Nagar, Jalgaon Empanelled

PPN Not

Applicable Other

154 Vinod Hospital

Near

Ladvanjari

Mangal

Karyalaya Jalgaon Maharashtra Akashwani Chowk, Jalgaon Empanelled

PPN Not

Applicable Other

155

Vivekanand Netralaya &

Phaco Centre

Near M J

College Jalgaon Maharashtra

8, Gurukul Colony, Near M J

College Empanelled

PPN Not

Applicable Other

156

Chinmay Hospital & Critical

Care Centre

Near Pande

Dairy Chowk Jalgaon Maharashtra

13 Onkar Nagar, Near Pande

Dairy chowk, Jalgaon Empanelled

PPN Not

Applicable Other

157 Siddhesh Hospital

Nr Khajamiya

Darga Jalgaon Maharashtra

Plot No 2 Behind

Shubhakamana, Sankul Nr

Khajamiya Empanelled

PPN Not

Applicable Other

158 Arogya Deep Hospital Ring Rd Jalgaon Maharashtra Pratap Nagar, Ring Road Empanelled

PPN Not

Applicable Other

159 Nimjai Healthcare Pvt Ltd Session Court Jalgaon Maharashtra

2674/A/2, Opp Session Court,

Jalgaon Empanelled

PPN Not

Applicable Other

160

Ashwini Multispeciality

Hospital Shahu Nagar Jalgaon Maharashtra

62 Housing Scociety Shahu

Nagar Empanelled

PPN Not

Applicable Other

161 Sahyog Critical Care Centre Shahu Nagar Jalgaon Maharashtra

Bhagwant Bhuwan, 69 Housing

Society, Shahu Nagar Empanelled

PPN Not

Applicable Other

162

Atharva Hospital General

Critical & Dental Care

Centre

Swatantrya

Chowk Jalgaon Maharashtra

Swatantrya Chowk Behind India

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