process of health insurance in the super-speciality hospitalh

7/30/2019 Process of Health Insurance in the Super-Speciality Hospitalh

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PROJECT ON

Process of health

insurance in the Super-speciality hospital

By

SAKET CHAURASIYA

Submitted to

Dr.(Prof.) Manoj Dixit

DEPARTMENT OF PUBLIC ADMINISTRATION

LUCKNOW UNIVERSITY, LUCKNOW

In Partial Fulfilment of the requirement for the degree of

MHA (Master in Hospital & Health Care

Administration)

Under Guidance of

Mr. Vinod K Pandey

Regional Manager-Business Development & TPA Co-ordinator


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DECLARATION BY THE CANDIDATE

I hereby declare that this project work entitled Process of

Health Insurance in the Super-speciality hospital is a

bonafide and genuine project work carried out by me under the

guidance of 'Mr. Vinod K Pandey, Regional Manager

Business Development & TPA Co-ordinator for Eye Q

Vision Super Speciality Eye Hospital, Lucknow,as a part of

my postgraduate study in partial fulfillment of the requirements

for the degree of MHA (Master in Hospital & Health Care

Administration) the regulations of Lucknow University,

Lucknow.

DATE :SAKET CHAURASIYA

PLACE : LUCKNOW


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CERTIFICATE BY THE PROJECT CO-ORDINATOR

This is to certify that the Project entitled Process of Health

Insurance Patient in the super-speciality hospital is a

bonafide project work done by SAKET CHAURASIYA, which is

being submitted to the LUCKNOW UNIVERSITY, LUCKNOW in

partial fulfilment of the regulations for the award of MHA

(Master in Hospital & Health Care Administration) degree,

has been carried out under my direct supervision and guidance at

Eye Q vision Super Speciality Eye Hospital, Lucknow.

I have great pleasure in forwarding it to the LUCKNOWUNIVERSITY, LUCKNOW.


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Date: Mr. Vinod KrPandeyPlace: Regional Manager-Business Development

& TPA Co-ordinator

ACKNOWLEDGEMENT

Success of an individual is possible when a person is being

supported by others. I would like to express my sincere thanks to

allthose who have helped me to attain my venture.

I express my gratitude to Mr. Vinod K Pandey, Regional

ManagerBusiness Development & TPA Co-ordinator, For

Eye Q Vision Super Specialty Eye Hospital, Lucknow for

encouraging and providing support to carry out my project.

A word of thanks goes to all the Staffs of this Institution for

their guidance and support during the course of the study.

With great pleasure and abysmal sense of gratitude and deep

sense of indebtedness I express my gratefulness to my honoured

Professor Department of Public Administration, Lucknow

University, Lucknow. My teacher is a man of vision and

dynamism, who has been kind enough to provide him

constructive criticism coupled with skilful guidance, constantsupervision and kind encouragement for planning and carrying

out the present project work to its final stage.


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I want to extend warm and heartfull thanks to my parents who

have shown great forbearance and encouraged me during the

completion of the study. Without their implicit support, patience

and understanding, I would not have been able to fulfill this

responsibility

Last but not the least; I extend my thanks to all the others who

have helped me directly and indirectly, in completing the study.

Date:

SAKET CHAURASIYA

Contents

1. Introduction

(a) Introduction of Hospital

(b) Vision

(c) Mission

(d) Introduction of Topic

(e) Current Scenario in India

2. Aim & Objective


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3. Review of Literature

4. Process

(a) Offline

(b) Online

5. Research Methodology

6. Observation

7. Data Analysis

8. Suggestion/ Recommendation

9. Bibliography


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CORPORATE PROFILE

The Eye-Q hospital chain is committed to providing best quality

eye care at affordable cost across India. We are an ISO 9001-

2000 registered organization operating under the leadership of

our Founder and CMD- Dr. Ajay Sharma- one of the most

renowned eye surgeons in India, aided by a team of specialists

with rich experience in their respective specialties from top

hospitals across the country.

Presently we have Hospitals at Gurgaon (DLF & New Railway

Road), Rewari, Haldwani, Rohtak, Saharanpur, Muzaffarnagar,

Yamunanagar, Hissar, Roorkee, Fatehabad, Surat and Lucknow,

thus making the best of eye care available to a substantial

segment of the population across Haryana, Uttarakhand, Uttar

Pradesh and Gujrat.


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VISION

To be Indias foremost chain of eye hospitals in terms of both

Quality of eye care and the Number of patients handled.

MISSION

To make every patient an Ambassador for Eye-Q through a

combination of

Highest level of quality and technology in eye care.

Exceptional personal care.

Complete integrity to the patient and his/her needs.


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Hospital Picture of Eye Q-PNK


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EYE Q-PNK OVERVIEW

Eye Q-PNK is a Super Specialty eye hospital functional in

Lucknow, the city of Nawabs and the capital of Uttar Pradesh

based along the banks of the River Gomti.

The history of Lucknow is traced back to the ancient times of the

Ramayan. It is said that Lakshmana, the brother of Lord Rama,

laid the foundation of this ancient city, near the Gomti River on an

elevated piece of land and named it Lakshmanpur. However, the

city came into notice only in the 18th Century, during the reign of

the Mughals.

The Mughal emperors appointed Nawabs in order to ensuresmooth administration in the province. The Nawabs, changed the

history of this unknown place. Under their rule, Lucknow

flourished like never before. Lucknow blossomed with various

cultural aspects, including poetry, dance, music, literature and

the other finer aspects of the lifestyle of Lucknow. It was when

the British came to India that Lucknow was made into anadministrative capital. After independence Lucknow was declared

the capital of the state of Uttar Pradesh by the Government of

India. Since then it has progressed beautifully, merging skillfully

the past with the present. Today, the city is dotted with remnants

of its rich historic past. Lucknow is also known for its elaborate

cuisine and 'Chikankaari' or exquisite shadow-work embroidery on

fine muslin cloth.


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In Lucknow, EYE Q-PNK is the focal point of state of the art eye

care offered to people from every walk of life. At EYE Q-PNK, we

mainly offer treatment for:

Cataract

Retina and Vitreous

Glaucoma

Refractive Errors

Orthoptic Errors

Squint

Low Vision

Pediatric eye care

We have registered an active growth since the inception in 1991.

EYE Q-PNK was the first centre in Uttar Pradesh to initiate the

following in the field of Ophthalmology:

1. Minimally Invasive Cataract surgery by Phacoemulsification

method

2. Transpupillary Thermo Therapy (TTT)

3. Photo Dynamic Therapy (PDT) for ARMD

4. Cyclophotocoagulation for uncontrolled Glaucoma

5. Advanced Vitreoretinal surgery

6. Macular surgery


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7. Provision of Comprehensive Refractive Surgical options

including Implantable Contact Lens (ICL) besides LASIK &

LASEK

8. Spectral OCT services for Macular disorders

Also, we are a role model hospital based on a partnership

between two Ophthalmologists, along with a team of Super

Specialized Consultants in Ophthalmology. These super

specialties include:

Phacoemulsification Cataract surgery (with IOL)

Micro Incision Cataract surgery (MICS)

Advanced Vitreoretinal surgery

Corneal diseases management and Corneal Transplant

Advanced Glaucoma management

Refractive surgery

Pediatric Ophthalmology & Strabismus

LASIK/ LASEK

EYE Q-PNK renders its services to the patients through its Four

branches in Lucknow (at Gomti Nagar, Aliganj, Vijay Nagar,

Rajajipuram). We also have Outreach Screening Programmes,

conducted from time to time, by PNK Eye Foundation.

The Consultants:

Dr. Rajat Dhesi (M.S):- Medical Director: Dr. Rajat Dhesi is

one of the two Medical Directors and Co- founders of Prakash


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Netra Kendr. He specializes in the Anterior Segment surgeries and

is also the Chief of Glaucoma services and the coordinator of the

DNB Program at EYE Q-PNK. Dr. Dhesi completed MS

(Ophthalmology) in 1986 from KGMC, Lucknow. He has also been

a consultant at G.M. Modi Community Ophthalmic Research

Centre, Modinagar. He has authored many national and

international publications, and has been a guest speaker at

various conferences.

Dr. Shobhit Chawla (MS, F.M.R.F ):- Medical Director: Dr.

Shobhit Chawla is one of the two Medical Directors and Co-founders of Prakash Netra Kendr. He specializes in the Vitreo

Retinal surgeries and is also the Chief of Vitreo Retinal Services

and the co-coordinator of the DNB Program at Prakash Netra

Kendr. Dr. Chawla completed his fellowship in Vitreo Retinal

Surgery from the renowned Sankara Nethralaya, Chennai with a

VT Doshi Gold Medal. He was awarded with the Mohanlal GoldMedal for the best paper by UPSOS. He was also awarded

fellowship by the Singapore National Eye Center and Kresge Eye

Center in Detroit, USA on the subject of Vitreoretinal diseases. He

is the Scientific Convener and a Member of the Executive

Committee in the Vitreoretinal Society (India). Dr. Chawla has

been a part of many instructional courses in both National andInternational meetings and has published various case reports

and papers in both.

Dr. Mohit Khemchandani (M.S ): Dr. Mohit Khemchandani is

the Assistant Medical Director and Senior Consultant of Vitreo

Retinal Services at Prakash Netra Kendr. He completed his

graduation from MLN Medical College, Allahabad and MS from

Govt. Medical College, Surat. Thereafter he did his fellowship in

Phacoemulsification and Vitreo-retina from Prakash Netra Kendr,


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Lucknow and has been subsequently associated with Prakash

Netra Kendr since then. Dr. Khemchandani has been involved in

many National and International Ophthalmic Conferences and

associations as well as presented multiple papers and

publications in the field of Ophthalmology.

Dr Bela Kamboj (M.S., F.M.R.F ):- Dr. Bela Kamboj is the

Assistant Medical Director and Chief of Cornea and Refractive

Services at Prakash Netra Kendr. She completed her graduation

from KGMC, Lucknow and MS from KMC, Mangalore in 2001.

Thereafter she did her fellowships in Phacoemulsification fromSankara Nethralaya, Chennai and in Cornea and Anterior segment

from L.V. Prasad Eye Institute, Hyderabad. She worked for a year

as Consultant at L.V. Prasad Eye Institute, Hyderabad before

joining as Consultant at Prakash Netra Kendr in 2004.

Dr. Ramesh Kumar Singh (D.O.M.S.): Dr. R. K. Singh

completed his MBBS from MLB Medical College, Jhansi and

Post Graduation from Regional Eye Institute at Sitapur. He

worked as consultant eye surgeon at Nainial and Bahraich branch

of Sitapur eye hospital (1999 - 2000). He joined PNK in 2000 as

consultant and completed his 3 yrs fellowship in anterior segment

and refractive surgeries. Meanwhile he also gave his services to

Chandra Bhan Gupta Netra Chikitsalaya Kotwa Sadak Faizabaad.

He specializes in Glaucoma and Anterior Segment Surgeries.

Presently, he is associated with Prakash Netra Kendr as the Chief

of Community Ophthalmology.

Dr. Saurabh Singh (M.S.): Dr. Saurabh Singh completed his

graduation from GR Medical College, Gwalior and MS from Gandhi

Medical College, Bhopal. Thereafter he did his Fellowship in

Phacoemulsification and Vitreo-Retina at Prakash Netra Kendra,


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Lucknow later joining as a Consultant for Vitreo-Retinal services

specializing in Retinopathy of Prematurity (ROP).

Dr. Vishal Misra (M.S., F.M.R.F ):- Dr. Vishal Misra did his

graduation & MS from Government Medical College, Surat.

Thereafter he did his fellowship in Phacoemulsification from

Sankara Nethralaya, Chennai and in Cornea and Anterior segment

from L.V. Prasad Eye Institute, Hyderabad. After that he worked

as a senior resident in the Dept. of Ophthalmology, PGIMER,

Chandigarh before joining as consultant at Prakash Netra Kendr.

Since then he has been associated with Prakash Netra Kendr asConsultant Pediatric Ophthalmology.

Dr. Gaurav Nigam (D.O.M.S. F.M.R.F): Dr. Gaurav Nigam did

his MBBS from GSVM Medical College, Kanpur and DOMS

(Ophthalmology) from Shri. M.P Shah Medical College, Jamnagar,

Gujarat. He did his Fellowship in Advanced Medical Retina from

Sankara Nethralaya, Chennai where he did research in Diabetic

Retinopathy (DR) and Age Related Macular Degeneration (ARMD).

He helped establish an Ophthalmic Hospital at Gondal in Gujarat

where he served as a consultant for two years before returning

back to his hometown, Lucknow. Presently he is associated with

Prakash Netra Kendr, as Consultant- Vitreo Retinal Services.

Dr. Virendra Singh (M.S.): Dr. Virendra Singh has done his

MBBS and MD (Ophthalmology) from AIIMS (New Delhi). He then

worked as a Consultant at Rotary Eye Hospital, Maranda,

Palampur, for about a year from 1997 to 1998. Subsequently, he

started private practice in Lucknow and also underwent

Fellowship in Phacoemulsification and Anterior Segment at

Prakash Netra Kendr from 2005 to 2007. He joined Prakash Netra


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Kendr as a consultant in 2007 and has been working in the

Anterior Segment since then.

Dr. Astha Misra (MS): Dr. Astha Misra completed her MBBS

from KGMC, Lucknow in 1992, with Honors in several subjects

including Ophthalmology and Surgery. She did her MS in

Ophthalmology from the same institution in 1996 and was

awarded the Baljeet Bhatia Memorial Gold Medal for the Best

Postgraduate in Ophthalmology. She was awarded the Best Paper

award at the 5th SAARC Ophthalmology Conference in 1998. She

was a Visiting fellow to Manhattan Eye and Ear Hospital, NewYork, USA and at Tokyo, Japan on Phacoemulsification and

Anterior Segment. She has several publications in national and

international journals to her credit and has also presented papers

in various conferences. Before joining Prakash Netra Kendra she

has worked as Senior Research Associate of Indian Council of

Medical Research carrying out research on Uveitis and later asConsultant Ophthalmologist at Vivekananda Hospital, Lucknow.

Samvedna Group: The group of doctors of Samvedna group

who provides Anaesthesia support to all type of procedures which

are performed at our centre includes complex vitreoretina

surgeries, pediatric ophthalmic surgeries, corneal tear repair and

Corneal Transplant surgeries, Squint surgeries etc.

Samvedna Group is providing anaesthesia back up to many

reputed hospital and nursing homes in Lucknow; SIPS, Globe

Medicare, Krishna Medical Centre, Ajanta Hospital, Ford Hospital

& Mayo Medical Centre headed by Dr. Rajesh Mishra.

Dr. R K Srivastava (M.D): Dr. R. K. Srivastava completed his

MBBS & MD from KGMC, Lucknow. He has been associated with

Batra Hospital and Medical Research Centre, New Delhi (Senior


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Resident- 1988-1989) and the National Heart Institute, New Delhi

(Senior Resident- Cardiothoracic Anesthesia-1989-1990). He was

associated with the Madras Medical Mission, Institute of

Cardiovascular Diseases as a Senior Registrar (Cardiothoracic

Anesthesia). Dr. Srivastava has also been a Consultant and Head

of the Department of Cardiothoracic Anesthesia at the Advance

Medical Care, Trichy. Since January 1992 he has been practicing

free lance Anesthesia in Lucknow covering the fields of General

Surgery, Orthopedics, ENT, Obstetrics & Gynecology, Plastic

Surgery, Urology, Gastroenterology, Pediatric Surgery,

Ophthalmic Surgery and ICU. Dr. Srivastava also holds a Diploma

from the International College of Acupuncture and Natural

Medicine. He has been practicing Acupuncture since December

2009.

EYE Q-Prakash Netra Kendr also has visiting eye surgeons Dr.

Abha Dalela and Dr. Khurshid Khan and visiting consultants Dr.Rajive Lall and Dr. Atul Kharbanda who add to the fame of the

hospital by their presence.

Recently, we have added another feather in our cap by

associating with Evolko, a unique and comprehensive Hospital

Information System (H.I.S.) for the ease and comfort of our

patients and to safeguard the Medical Information rendered.

We are also empanelled and associated with various Government

and corporate sectors to provide ophthalmic services to their

members and their dependents. We have created a separate

department to provide hastle free cashless services to the

beneficiaries.


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We are looking forward towards scaling newer horizons and

providing all inclusive eye care to patients from every corner of

the world.

Hospital The Eye Q vision network of hospitals includes.


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Haryana: EYE Q VISION PVT. LTD DLF (Gurgaon)

EYE Q VISION PVT. LTD NRR (Gurgaon)

EYE Q VISION PVT. LTD (Rewari)

EYE Q VISION PVT. LTD (Rohtak)

EYE Q VISION PVT. LTD (Yamunanagar)

EYE Q VISION PVT. LTD (Hisar)

EYE Q VISION PVT. LTD (Fatehabad)

U.P. : EYE Q VISION PVT. LTD (Saharanpur)

EYE Q VISION PVT. LTD (Muzaffarnagar)

Uttrakhand: EYE Q VISION PVT. LTD (Haldwani)

EYE Q VISION PVT. LTD (Roorkee)

Gujarat EYE Q VISION PVT. LTD (Surat)

EYE Q VISION PVT. LTD (Udhana)

Lucknow: EYE Q VISION PVT. LTD (Aliganj)

EYE Q VISION PVT. LTD (Vijay Nagar)

EYE Q-PNK PVT. LTD (Gomti Nagar)

EYE Q VISION PVT. LTD (Rajajipuram)

Kanpur: EYE Q VISION PVT. LTD (Swaroop Nagar)


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The TPA Associated with EYE Q-PNK are follows

Alankit Health Care

Bajaj Allianz

Cholamandalam General Insurance

Dedicated Healthcare Services

E-Meditek TPA Services

HDFC ERGO General Insurance

Family Health Plan Ltd.

Future Generali Health

Genins India Pvt. Ltd.

ICICI Lombard

ICICI Prudential

Paramount Health Care Services

Park Mediclaim

Mediassist India Pvt. Ltd.

Medsave Health Care

Max Bupa General Insurance

Medicare

MD India

Raksha TPA

Religare

Star Heath & Allied Insurance

TTK Health Care Service.

United Healthcare Parekh TPA

Reliance General Insurance.


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DEPARTMENT-Associated with EYE Q-PNK

UPPCL.

BSNL.

HAL.

ECHS

Tata Motors.

ESRO (ISTRAC).


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Introduction

ALANKIT HEALTH CARE LIMITEDBAJAJ ALLIANZ INSURANCE CO. LTD

CHOLAMANDALAM MS

DHS - DEDICATED HEALTH

SERVICES

E-MEDITEK SOLUTIONS LTD FAMILY HEALTH PLAN LTD.

FUTURE GENERALI INSURANCE GENINS INDIA LTD.

UNITED HEALTHCARE INDIA (PVT.) LTD.

RAKSHA TPA ICICI LOMBARD ICICI PRUDENTIAL

Max Bupa MDINDIA HEALTHCARE SERVICES MEDSAVE HEALTHCARE

MEDICARE SERVICE PVT. LTD.

PARAMOUNT HEALTH SERVICES PVT. LTD. PARK MEDICLAIM TPA PVT LTD

HDFC ERGO General Insurance

TTK HEALTHCARE SERVICES STAR HEALTH AND ALLIED INSURANCE


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The term health insurance is generally used to describe a form

of insurance that pays for medical expenses. It is sometimes used

more broadly to include insurance covering disability or long-term

nursing or custodial care needs. It may be provided through a

government-sponsored social insurance program, or from private

insurance companies. It may be purchased on a group basis (e.g.,

by a firm to cover its employees) or purchased by individual

consumers. In each case, the covered groups or individuals pay

premiums or taxes to help protect themselves from high or

unexpected healthcare expenses. Similar benefits paying for

medical expenses may also be provided through social welfare

programs funded by the government.

Health insurance works by estimating the overall risk of

healthcare expenses and developing a routine finance structure

(such as a monthly premium or annual tax) that will ensure that

money is available to pay for the healthcare benefits specified in

the insurance agreement. The benefit is administered by a

central organization, most often either a government agency or a

private or not-for-profit entity operating a health plan.

To understand the meaning of the term health insurance as used

in this text,

differentiation between medical care and health care must be

made. Medical care includes the identification of disease and the

provision of care and treatment such as that provided by

members of the health care team to persons who are sick,

injured, or concerned about their health status. Health care

expands the definition of medical care to include preventive

services, which are designed to help individuals avoid health and


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injury problems. Preventive examinations may result in the early

detection of health problems, allowing less drastic andless

expensive treatment options.

Health Insurance in India: Current Scenario

The health care system in India is characterized by multiple

systems of Medicine, mixed ownership patterns and different

kinds of delivery structures. Public sector ownership is divided

between central and state governments, Municipal

and Panchayatlocal governments. Public health facilities includeTeaching hospitals, secondary level hospitals, first-level referral

hospitals (CHCs or rural hospitals), dispensaries; primary health

centres (PHCs), sub-centres, and health posts. Also included are

public facilities for selected occupational Groups like organized

work force (ESI), defence, government employees (CGHS),

railways, post and telegraph and mines among others. The

private sector (for profit and not for profit) is the dominant sector

with 50 per cent of people seeking indoor care and around 60 to70 per cent of those seeking ambulatory care (or outpatient care)

from private health facilities. While India has made significant

gains in terms of health indicators - demographic, infrastructural

and epidemiological.

This is coupled with spiralling health costs, high financial burden

on the poor and erosion in their incomes. Around 24% of all

people hospitalized in India in a single year fall below the povertyline due to hospitalization (World Bank, 2002). An analysis of

financing of hospitalization shows that large proportion of people;

especially those in the bottom for income quintiles borrow money

or sell assets to pay for hospitalization (World Bank, 2002)This

situation exists in a scenario where health care is financed

through general tax revenue, community financing, out of pocket

payment and social and private health insurance schemes. India

spends about 4.9% of GDP on (Regional Overview in South-EastAsia) health (WHR, 2002).The per capita total expenditure on

health in India is US$ 23, of which the per capita Government

expenditure on health is US$ 4.Hence, it is seen that the total


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health expenditure is around 5% of GDP, with breakdown of

public expenditure (0.9%); private expenditure (4.0%). The

private expenditure can be further classified as out-of-pocket

(OOP) expenditure (3.6%) and employees/community financing

(0.4%). It is thus evident that public health investment has been

comparatively low. In fact as a percentage of GDP it has declined

from 1.3% in 1990 to 0.9% as at present. Furthermore, the

central budgetary allocation for health (as a percentage of the

total Central budget) has been stagnant at 1.3% while in the

states it has declined from 7.0% to 5.5%.

Table 1. Socioeconomic indicators

Land area 2% of world area

Burden of disease (%) 21% of global disease burden

Population 16% of world population

Urban : Rural 28 :72

Literacy rate (%) 65.38

Sanitation (%) Rural 9.0; Urban 49.3

Safe drinking water supply (%) Rural 98; Urban 90.2

Poverty (%) Below poverty line 26

Rural 27.09; Urban 23.62

Poverty line (Rs.)Rural 327.56; Urban

454.11


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Table 2. Achievements: 1951-2000

Demographic

changes

1951 1981 2000

Life expectancy 36.7 54 64.6 ( RGI)

Crude birth rate 40.8 33.9 (SRS) 26.1 (99 SRS)

Crude death rate 25 12.5 (SRS) 8.7 (99 SRS)

Infant mortality rate 146 110 70 (99 SRS)

Demographic changes 1951 1981 2000

Life expectancy 36.7 54 64.6 ( RGI)Crude birth rate 40.8 33.9 (SRS) 26.1 (99

SRS)

Infrastructure 1951 1981 2000

SC/PHC/CHC 725 57,363 1,63,181(99-

RHS)Dispensaries &

hospitals(all)

9209 23,555 43,322(9596-

CBHI)Beds (Pvt &

Public)

117,198 569,495 8,70,161(95-

96-CBHI)Doctors

(Allopathy)

61,800 2,68,700 5,03,900(98-

99-MCI)Nursing

personnel

18,054 1,43,887 7,37,000(99-

INC)


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Crude death rate 25 12.5 (SRS) 8.7 (99 SRS)

Infant mortality rate 146 110 70 (99 SRS)

In light of the fiscal crisis facing the government at both central

and state levels, in the form of shrinking public health budgets,

escalating health care costs coupled with demand for health-care

services, and lack of easy access of people from the low-income

group to quality health care, health insurance is emerging as an

alternative mechanism for financing of health care.

Health Insurance

Health insurance in a narrow sense would be an individual orgroup purchasing health care coverage in advance by paying afee called premium. In its broader sense, it would be any

arrangement that helps to defer, delay, reduce or altogetheravoid payment for health care incurred by individuals andhouseholds. The health insurance market in India is very limitedcovering about 10% of the total population. The existingschemes can be categorized as:

(1) Voluntary health insurance schemes or private-for-profitschemes;(2) Employer-based schemes;

(3) Insurance offered by NGOs / community based healthinsurance, and(4) Mandatory health insurance schemes or government runschemes (namely ESIS, CGHS).

Epidemiology 1951 1981 2000Malaria (cases in million) 75 2.7 2.2Leprosy cases per 10,000

Population

38.1 57.3 3.74

Small pox (no of cases) >44,8

87

Eradicate

d

Eradicate

dGuinea worm (no. of cases) >39,7

92

Eradicate

d

Eradicate

d

Polio 29709 265


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Voluntary health insurance schemes or private-for-profit schemes

In private insurance, buyers are willing to pay premium to an

insurance company that pools people with similar risks andinsures them for health expenses. The key distinction is that thepremiums are set at a level, which provides a profit to third partyand provider institutions. Premiums are based on an assessmentof the risk status of the consumer (or of the group of employees)and the level of benefits provided, rather than as a proportion ofthe consumers income.

In the public sector, the General Insurance Corporation (GIC) and

its four subsidiary companies (National Insurance Corporation,New India Assurance Company, Oriental Insurance Company and

United Insurance Company) and the Life Insurance Corporation

(LIC) of India provide voluntary insurance schemes.

Of the various schemes offered, Mediclaim is the main product of

the GIC. The Medical Insurance Scheme or Mediclaim was

introduced in November 1986 and it covers individuals and

groups with persons aged 5 80 yrs. Children (3 months 5 yrs)are covered with their parents. This scheme provides for

reimbursement of medical expenses (now offers cashless

scheme) by an individual towards hospitalization and domiciliary

hospitalization as per the sum insured. There are exclusions and

pre-existing disease clauses. Premiums are calculated based on

age and the sum insured, which in turn varies from Rs 15 000 to

Rs 5 00 000. In 1995/96 about half a million Mediclaim policies

were issued with about 1.8 million beneficiaries (Krause Patrick2000). The coverage for the year 2000-01 was around 7.2 million.

The year 1999 marked the beginning of a new era for health

insurance in the Indian context. With the passing of the Insurance

Regulatory Development Authority Bill (IRDA) the insurance

sector was opened to private and foreign participation, thereby

paving the way for the entry of private health insurance

companies. The Bill also facilitated the establishment of anauthority to protect the interests of the insurance holders by

regulating, promoting and ensuring orderly growth of the

insurance industry. The bill allows foreign promoters to hold paid


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up capital of up to 26 percent in an Indian company and requires

them to have a capital of Rs 100 crore along with a business plan

to begin its operations. Currently, a few companies such as Bajaj

Alliance, ICICI, Royal Sundaram, and Cholamandalam among

others are offering health insurance schemes. Karnataka 7000

Health Insurance

Health insurance in Australia

The public health system is called Medicare. It ensures free

universal access to hospital treatment and subsidised out-of-

hospital medical treatment. It is funded by a 1.5% tax levy.

The private health system is funded by a number of privatehealth insurance organisations. The largest of these is Medibank

Private, which is government-owned, but operates as a

government business enterprise under the same regulatory

regime as all other registered private health funds. The Coalition

Howard government had announced that Medibank would be

privatised if it won the 2007 election, however they were

defeated by the Australian Labor Party under Kevin Rudd which

had already pledged that it would remain in governmentownership.

Some private health insurers are 'for profit' enterprises, and some

are non-profit organizations such as HCF Health Insurance. Some

have membership restricted to particular groups, but the majority

have open membership.

Most aspects of private health insurance in Australia are

regulated by the Private Health Insurance Act 2007.

The private health system in Australia operates on a "community

rating" basis, whereby premiums do not vary solely because of a

person's previous medical history, current state of health or

(generally speaking) their age (but see Lifetime Health Cover

below). Balancing this are waiting periods, in particular for pre-

existing conditions (usually referred to within the industry as PEA,

which stands for "pre-existing ailment"). Funds are entitled to

impose a waiting period of up to 12 months on benefits for any

medical condition the signs and symptoms of which existed


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during the six months ending on the day the person first took out

insurance. They are also entitled to impose a 12-month waiting

period for benefits for treatment relating to an obstetric

condition, and a 2-month waiting period for all other benefits

when a person first takes out private insurance. Funds have the

discretion to reduce or remove such waiting periods in individual

cases. They are also free not to impose them to begin with, but

this would place such a fund at risk of "adverse selection",

attracting a disproportionate number of members from other

funds, or from the pool of intending members who might

otherwise have joined other funds. It would also attract people

with existing medical conditions, who might not otherwise have

taken out insurance at all because of the denial of benefits for 12

months due to the PEA Rule. The benefits paid out for these

conditions would create pressure on premiums for all the fund's

members, causing some to drop their membership, which would

lead to further rises, and a vicious cycle would ensue.

There are a number of other matters about which funds are not

permitted to discriminate between members in terms of

premiums, benefits or membership - these include racial origin,religion, sex, sexual orientation, nature of employment, and

leisure activities. Premiums for a fund's product that is sold in

more than one state can vary from state to state, but not within

the same state.

The Australian government has introduced a number of incentives

to encourage adults to take out private hospital insurance. These

include:

Lifetime Health Cover: If a person has not taken out

private hospital cover by the 1st July after their 30th

birthday, then when (and if) they do so after this time, their

premiums must include a loading of 2% per annum. Thus, a

person taking out private cover for the first time at age 40

will pay a 20 per cent loading. The loading continues for 10

years. The loading applies only to premiums for hospitalcover, not to ancillary (extras) cover.


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Medicare Levy Surcharge: People whose taxable income

is greater than a specified amount (currently $50,000 for

singles and $100,000 for families) and who do not have an

adequate level of private hospital cover must pay a 1%

surcharge on top of the standard 1.5% Medicare Levy. The

rationale is that if the people in this income group are forced

to pay more money one way or another, most would choose

to purchase hospital insurance with it, with the possibility of

a benefit in the event that they need private hospital

treatment - rather than pay it in the form of extra tax as well

as having to meet their own private hospital costs.

Private Health Insurance Rebate: The government subsidises

the premiums for all private health insurance cover, includinghospital and ancillary (extras), by 30%, 35% or 40%.

Health insurance in Canada

Most health insurance in Canada is administered by each

province, under the Canada Health Act, which requires all people

to have free access to basic health services. Collectively, the

public provincial health insurance systems in Canada arefrequently referred to as Medicare. Private health insurance is

allowed, but the provincial governments allow it only for services

that the public health plans do not cover; for example, semi-

private or private rooms in hospitals and prescription drug plans.

Canadians are free to use private insurance for elective medical

services such as laser vision correction surgery, cosmetic surgery,

and other non-basic medical procedures. Some 65% of Canadians

have some form of supplementary private health insurance; manyof them receive it through their employers. Private-sector

services not paid for by the government account for nearly 30

percent of total health care spending.

In 2005, the Supreme Court of Quebec ruled, in Chaoulli v.

Quebec, that the province's prohibition on private insurance for

health care already insured by the provincial plan could

constitute an infringement of the right to life and security if therewere long wait times for treatment as happened in this case.

Certain other provinces have legislation which financially


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discourages but does not forbid private health insurance in areas

covered by the public plans. The ruling has not changed the

overall pattern of health insurance across Canada but has spurred

on attempts to tackle the core issues of supply and demand and

the impact of wait times.

Health insurance in the Netherlands

In the Netherlands in 2006, a new system of health insurance

came into force. All insurance companies have to provide at leastone policy which meets a government set minimum standard

level of cover and all adult residents are obliged by law to

purchase this cover from an insurance company of their choice.

The new system avoids the two pitfalls of adverse selection and

moral hazard associated with traditional forms of health

insurance.

In the Dutch system, insurance companies are compensated for

taking on high risk individuals because they receive extra funding

for them. This funding comes from an insurance equalization pool

run by a regulator which collects salary based contributions from

employers (about 45% of all health care funding) and funding

from the government for people whose means are such that they

cannot afford health care (about 5% of all funding). Thus

insurance companies find that insuring high risk individualsbecomes an attractive proposition. All insurance companies

receive from the pool, but those with more high risk individuals

will receive more from the fund. The remaining 45% of health

care funding comes from insurance premiums paid by the public.

Insurance companies compete for this money on price alone. The

insurance companies are not allowed to set down any co-

payments or caps or deductibles. Neither are they allowed to

deny coverage to any person applying for a policy or chargeanything other than their nationally set and internet published

standard policy premiums. Every person buying insurance from

that company will pay the same price as everyone else buying


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that policy. And every person will get the minimum level of

coverage. Children under 18 are insured for free (the funding

coming from the equalization pool)."

In addition to this minimum level, companies are free to sell extra

insurance for additional coverage over the national minimum, but

extra risks for this are not covered from the insurance pool and

must therefore be priced accordingly.

Health insurance in the United Kingdom

Great Britain's National Health Service (NHS) is a publicly fundedhealthcare system that provides coverage to everyone normallyresident in the UK. The NHS provides the majority of health carein England, including primary care, in-patient care, long-termhealth care, ophthalmology and dentistry. Private health care hascontinued parallel to the NHS, paid for largely by privateinsurance, but it is used by less than 8% of the population, and

generally as a top-up to NHS services. Recently the private sectorhas been increasingly used to increase NHS capacity despite alarge proportion of the British public opposing such involvement..According to the World Health Organization, government fundingcovered 86% of overall health care expenditures in the UK as of2004, with private expenditures covering the remaining 14%. Thecosts of running the NHS (est. 104 billion in 2007-8) are metdirectly from general taxation.

The National Health Service Act 1946 came into effect on 5 July1948. The UK government department responsible for the NHS isthe Departmet of Health, headed by a Secretary of State forHealth (Health Secretary), who sits in the British Cabinet. TheNHS is the world's largest health service, and the world's thirdlargest employer after the Chinese army and the Indian railways.

Health insurance in the United States

The US market-based health care system relies heavily on privateand not-for-profit health insurance, which is the primary source ofcoverage for most Americans. According to the United StatesCensus Bureau, approximately 84% of Americans have health


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insurance; some 60% obtain it through an employer, while about9% purchase it directly. Various government agencies providecoverage to about 27% of Americans (there is some overlap inthese figures).

Public programs provide the primary source of coverage for mostseniors and for low-income children and families who meetcertain eligibility requirements. The primary public programs areMedicare, a federal social insurance program for seniors andcertain disabled individuals, Medicaid, funded jointly by thefederal government and states but administered at the statelevel, which covers certain very low income children and theirfamilies, and SCHIP, also a federal-state partnership that servescertain children and families who do not qualify for Medicaid butwho cannot afford private coverage. Other public programsinclude military health benefits provided through TRICARE andthe Veterans Health Administration and benefits provided throughthe Indian Health Service. Some states have additional programsfor low-income individuals.

Aims and Objectives

Aims: To study and Process of health insurance in Super-

speciality hospital from prospective of client, TPA and hospitals.

Objectives: To assess the Accessibility and Adequacy of the

services given by HealthCare in improving patient care. To study

the cashless facility provide to Eye Q-PNK Super-speciality Eye

hospital. Assess the quality of service from user point of view.


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Review of Literature

The concept of health insurance was proposed in 1694 by Hugh

the Elder Chamberlen from the Peter Chamberlen family. In the

late 19th century, "accident insurance" began to be available,

which operated much like modern disabilityinsurance. This

payment model continued until the start of the 20th century in

some jurisdictions (like California), where all laws regulating

health insurance actually referred to disability insurance.

Accident insurance was first offered in the United States by the

Franklin Health Assurance Company of Massachusetts. This firm,founded in 1850, offered insurance against injuries arising from

railroad and steamboat accidents. Sixty organizations were

offering accident insurance in the US by 1866, but the industry

consolidated rapidly soon thereafter. While there were earlier

experiments, the origins of sickness coverage in the US

effectively date from 1890. The first employer-sponsored group

disability policy was issued in 1911.

Before the development of medical expense insurance, patients

were expected to pay all other health care costs out of their own


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pockets, under what is known as the fee-for-service business

model. During the middle to late 20th century, traditional

disability insurance evolved into modern health insurance

programs. Today, most comprehensive private health insurance

programs cover the cost of routine, preventive, and emergency

health care procedures, and also most prescription drugs, but this

was not always the case.

Hospital and medical expense policies were introduced during the

first half of the 20th century. During the 1920s, individual

hospitals began offering services to individuals on a pre-paid

basis, eventually leading to the development of Blue Cross

organizations. The predecessors of today's Health Maintenance

Organizations (HMOs) originated beginning in 1929, through the1930s and on during World War II.

A Health insurance policy is a contract between an insurance

company and an individual. The contract can be renewable

annually or monthly. The type and amount of health care costs

that will be covered by the health plan are specified in advance,

in the member contract or Evidence of Coverage booklet. The

individual policy-holder's payment obligations may take severalforms..

Premium: The amount the policy-holder pays to the health

plan each month to purchase health coverage.

Deductible: The amount that the policy-holder must pay

out-of-pocket before the health plan pays its share. For

example, a policy-holder might have to pay a $500

deductible per year, before any of their health care is

covered by the health plan. It may take several doctor's

visits or prescription refills before the policy-holder reaches

the deductible and the health plan starts to pay for care.

Co-payment: The amount that the policy-holder must pay

out of pocket before the health plan pays for a particular

visit or service. For example, a policy-holder might pay a

$45 copayment for a doctor's visit, or to obtain aprescription. A copayment must be paid each time a

particular service is obtained.


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Coinsurance: Instead of paying a fixed amount up front (a

copayment), the policy-holder must pay a percentage of the

total cost. For example, the member might have to pay 20%

of the cost of a surgery, while the health plan pays the other

80%. Because there is no upper limit on coinsurance, the

policy-holder can end up owing very little, or a significant

amount, depending on the actual costs of the services they

obtain.

Exclusions: Not all services are covered. The policy-holder

is generally expected to pay the full cost of non-covered

services out of their own pocket.

Coverage limits: Some health plans only pay for health

care up to a certain dollar amount. The policy-holder may be

expected to pay any charges in excess of the health plan's

maximum payment for a specific service. In addition, some

plans have annual or lifetime coverage maximums. In these

cases, the health plan will stop payment when they reach

the benefit maximum, and the policy-holder must pay all

remaining costs.

Out-of-pocket maximums: Similar to coverage limits,except that in this case, the member's payment obligation

ends when they reach the out-of-pocket maximum, and the

health plan pays all further covered costs. Out-of-pocket

maximums can be limited to a specific benefit category

(such as prescription drugs) or can apply to all coverage

provided during a specific benefit year.

Prescription drug plans are a form of insurance offered throughmany employer benefit plans in the US, where the patient pays a

copayment and the prescription drug insurance pays the rest.

Some health care providers will agree to bill the insurance

company if patients are willing to sign an agreement that they

will be responsible for the amount that the insurance company

doesn't pay, as the insurance company pays according to

"reasonable" or "customary" charges, which may be less than theprovider's usual fee. Health insurance companies also often have

a network of providers who agree to accept the reasonable and


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customary fee and waive the remainder. It will generally cost the

patient less to use an in-network provider.

IRDA: Insurance Regulatory & Development Authority, a body

constituted under the Ministry of Finance to deal with licensing,

regulating and monitoring all activities relating to the insurers,brokers, agents, corporate agents and the TPAs.

TPA: Third party administrators are the new breed of

intermediaries in the sector, introduction of whom will benefit

both the insured and the insurer. While the insured is benefited

by better service, insurers are benefited by reduction in their

administrative costs.

Insurers can now outsource their administrative activities,

including settlement of claims, to Third party administrators, who

offer such services at a cost. It may be noted that TPAs are

remunerated by the insurers and so policy holders should

welcome such a move since they receive enhanced facilities at no

extra cost. Once the policy has been issued, all the records will be

passed on to the TPA and all the correspondence of the insured

will be with the TPA.

And they will have full-time medical practitioners under their

employment who will immediately take a decision on whether the

ailment is covered under the policy.

TPA license can be granted to any company registered under the

companies Act 1956. IRDA, which licenses and regulates these

TPAs, has specified stiff entry norms some of which include a

minimum capital requirement of 1 Crore, capping the foreign

equity at 26% etc.

Partial List of TPAs of India

TTK HEALTH CARE SERVICES PVT LTD

MEDI ASSIST INDIA PVT.LTD


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BAJAJ ALLIANZ GENERAL INSURANCE CO LTD.

E-MEDITEK SOLUTIONS LIMITED

FAMILY HEALTH PLAN LIMITED

MEDICARE TPA SERVICES INDIA PVT LTD

PARAMOUNT HEALTH SERVICES PVT LTD

UNITED HEALTHCARE INDIA PVT LTD

GENINS INDIA LTD

MEDSAVE

RAKSHA TPA

M D INDIA

VIPUL MED CORP

ALANKIT

DEDICATED HEALTHCARE SERVICES

ACCIDENT RELIEF CARE

GOOD HEALTH PLAN LTD

HEALTH INDIA

MAX BUPA

RELIGARE HEALTH SERVICE


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Insurance Companies

In insurance company, buyers are willing to pay premium to an

insurance company that pools people with similar risks andinsures them for health expenses. The key distinction is that the

premiums are set at a level, which provides a profit to third party

and provider institutions. Premiums are based on an assessment

of the risk status of the consumer (or of the group of employees)

and the level of benefits provided, rather than as a proportion of

the consumers income.

Partial List of Insurance Companies of India

Govt Sector

1. Oriental Insurance Company

2. National Insurance Company

3. New India Assurance Company

4. United India Insurance Company

Private Sector

1. ICICI Lombard

2. Cholamandalam

3. Bajaj Allianz

4. Reliance Health

5. Royal Sundaram

Providers (Hospitals)

A hospital is an institution for health care providing treatment by

specialized staff and equipment. Hospital sare largely staffed by

professional physicians, surgeons and nurses.


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Health plan vs. Health insurance

Historically, HMOs tended to use the term "health plan", while

commercial insurance companies used the term "health

insurance". A health plan can also refer to a subscription-based

medical care arrangement offered through health maintenance

organization, HMO, PPO, or POS plan. These plans are similar to

pre-paid dental, pre-paid legal, and pre-paid vision plans. Pre-paid

health plans typically pay for a fixed number of services (for

instance, $300 in preventive care, a certain number of days of

hospice care or care in a skilled nursing facility, a fixed number of

home health visits, a fixed number of spinal manipulation

charges, etc.) The services offered are usually at the discretion of

a utilization review nurse who is often contracted through the

managed care entity providing the subscription health plan. This

determination may be made either prior to or after hospital

admission (concurrent utilization review).

Inherent problems with insurance :

Insurance systems must typically deal with two inherent

challenges: adverse selection, which affects any voluntary

system, and ex-post moral hazard, which affects any insurance

system in which a third party bears major responsibility for

payment, whether that is an employer or the government. Somenational systems with compulsory insurance utilize systems such

as risk equalization and community rating to overcome these

inherent problems.

Adverse selection :

Insurance companies use the term "adverse selection" to

describe the tendency for only those who will benefit frominsurance to buy it. Specifically when talking about health

insurance, unhealthy people are more likely to purchase health

insurance because they anticipate large medical bills. On the


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other side, people who consider themselve to be reasonably

healthy may decide that medical insurance is an unnecessary

expense; if they see the doctor once a year and it costs $250,

that's much better than making monthly insurance payments of

$40.

The fundamental concept of insurance is that it balances costs

across a large, random sample of individuals (see risk pool). For

instance, an insurance company has a pool of 1000 randomly

selected subscribers, each paying $100 per month. One person

becomes very ill while the others stay healthy, allowing the

insurance company to use the money paid by the healthy people

to pay for the treatment costs of the sick person. However, when

the pool is self-selecting rather than random, as is the case with

individuals seeking to purchase health insurance directly, adverse

selection is a greater concern. A disproportionate share of health

care spending is attributable to individuals with high health care

costs. In the US the 1% of the population with the highest

spending accounted for 27% of aggregate health care spending in

1996. The highest-spending 5% of the population accounted for

more than half of all spending. These patterns were stable

through the 1970s and 1980s, and some data suggest that they

may have been typical of the mid-to-early 20th century as well. A

few individuals have extremely high medical expenses, in

extreme cases totalling a half million dollars or more. Adverse

selection could leave an insurance company with primarily sick

subscribers and no way to balance out the cost of their medical

expenses with a large number of healthy subscribers.

Because of adverse selection, insurance companies employ

medical underwriting, using a patient's medical history to screen

out those whose pre-existing medical conditions pose too great a

risk for the risk pool. Before buying health insurance, a person

typically fills out a comprehensive medical history form that asks

whether the person smokes, how much the person weighs,


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whether the person has been treated for any of a long list of

diseases and so on. In general, those who present large financial

burdens are denied coverage or charged high premiums to

compensate. One large US industry survey found that roughly 13

percent of applicants for comprehensive, individually purchased

health insurance who went through the medical underwriting in

2004 were denied coverage. Declination rates increased

significantly with age, rising from 5 percent for individuals 18 and

under to just under a third for individuals aged 60 to 64. Among

those who were offered coverage, the study found that 76%

received offers at standard premium rates, and 22% were offered

higher rates. On the other side, applicants can get discounts if

they do not smoke and are healthy.

Moral hazard

Moral hazard occurs when an insurer and a consumer enter into a

contract under symmetric information, but one party takes action,

not taken into account in the contract, which changes the value

of the insurance. A common example of moral hazard is third-

party paymentwhen the parties involved in making a decision

are not responsible for bearing costs arising from the decision. An

example is where doctors and insured patients agree to extra

tests which may or may not be necessary. Doctors benefit by

avoiding possible malpractice suits, and patients benefit by

gaining increased certainty of their medical condition. The cost of

these extra tests is borne by the insurance company, which may

have had little say in the decision. Co-payments, deductibles, and

less generous insurance for services with more elastic demand

attempt to combat moral hazard, as they hold the consumer

responsible.

Other factors affecting insurance prices

A recent study by Price Water house Coopers examining thedrivers of rising health care costs in the US pointed to increased

utilization created by increased consumer demand, new


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treatments, and more intensive diagnostic testing, as the most

significant driver. People in developed countries are living longer.

The population of those countries is aging, and a larger group of

senior citizens requires more intensive medical care than a young

healthier population. Advances in medicine and medical

technology can also increase the cost of medical treatment.

Lifestyle-related factors can increase utilization and therefore

insurance prices, such as: increases in obesity caused by

insufficient exercise and unhealthy food choices; excessive

alcohol use, smoking, and use of street drugs. Other factors noted

by the PWC study included the movement to broader-access

plans, higher-priced technologies, and cost-shifting from Medicaid

and the uninsured to private payers.

Cashless hospitalization Cashless hospitalization facility

Today, most Health Insurance policies do offer cashless

hospitalization facility and route your policy through a Third party

Administrator (TPA). However you should be familiar with the

terms- Network Hospital and Non-network Hospital.

Network Hospitals are those hospitals that your TPA has an

agreement with. In case of hospitalization, if you get admitted to

a Network Hospital you will be eligible for cashless hospitalization,

subject to the other terms and conditions mentioned in your

policy being fulfilled. In case you are admitted to a Non-network

Hospital, you will have to settle the bills directly to the hospital

and then seek re-imbursement through your TPA.

Cashless hospitalization does it mean treatment free of

cost?


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First, you need to be clear that there is no free treatment. It is

just that, in the case of a cashless hospitalization, the insurance

company will bear the cost of treatment either fully or partially on

your behalf.

Cashless hospitalization is a facility provided by most healthinsurance policies and enables an insured customer to obtain

admission and undergo the required treatment without a direct

payment. The assigned TPA will mediate between the healthcare

service provider (hospital) and the insurance company and settle

the bills on behalf of the insured customer.

However it is important to understand the role of a hospital in

cashless hospitalization. The hospital is only a facilitator and hasno authority to approve or disapprove any request for cashless

hospitalization. Certain protocols laid down by the Insurance

Regulatory and Development Authority (IRDA) with respect to

cashless hospitalization will need to be adhered to strictly.

Patient Flow of Health Insurances in Eye Q

vision Pvt. Ltd

Availing the facility of cashless hospitalisation

Process of Hospitalisation happens under two circumstances

1- Planned.

2- Emergency.

Pre-authorisation of the estimated hospital expense is a must to

avail this facility.


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Planned Hospitalisation

In the Eye Q vision in process planned admission, three types of

patients come in Planned Hospitalisation.

1. Walk in

2. Referred

3. New Appointment

Patient flow in OPD

Step I - All type of Patients come in Reception/Welcome Desk, 5-

6 member are available over their they attend to the patient anddone the communication regarding to consultant, fees and

diseases etc.

Step II - Than front office executive done the registration and

give the registration No.

Step III - Patient go for the Eye Check up.

VisionRefraction

Eye Pressures

Dilatation

Step IV Than Patient check by the consultant. Than confirm the

diagnosis.

Step V - Than patient directly reached counselling Department,

Step VI -

- In the Counselling Department two Senior Counsellor available

overthier. They see the all the paper which is advise by Doctor

and take the one of most important investigation A-Scan

(Biometry) take. Biometry is very important for Ophthalmic

hospital thats by we check the Power of eye.

- The Counsellor would have advised you on the probable date of

hospitalisation. In such a case, you must have applied for an

approval of the estimated hospital expenses directly with your


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TPA at least 48 hrs prior to the date of hospitalisation and give

the Advise pre-operative investigation and Physician clearance.

Step VII

After counselling Patients filter. Two type patients found

1- Heath Insurance / Reimbursement

2. General Patients

Health Insurance / Reimbursement referred to Corporate Desk.

Patients Reception

Eye checkups

Counselling Department

Consultant

Health Insurance/ General Patient

Reimbursement

Emergency -

In the case of emergency Patient come in hospital for the sudden

loss of vision. Patient directly gone to consultant and Patients

attendant take the registration no. in reception and consultant

seen and take emergent decision and give the advise. If the

patient is belong to Health Insurance. In the case Patients


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attendant inform to Corporate Desk and Provide the relevant

document. Corporate Desk inform to TPA in 48hrs.

The Pre-authorisation procedure is detailed below:

Step1: Establish contact with the Corporate Help Desk at theHospital

Patient come it may be two type Policy holder.

1- Corporate 2- Individual

Step 2: At the Corporate Help Desk, you need to present

In the Corporate Policy holder-

The original health Insurance card issued to you by your TPA &Photo ID Card of the Patient and Related Investigation &Prescription.

In the Individual Policy holder-

The original health Insurance card issued to you by your TPA OrLast 2 years Papers & current years running Policy paper, PhotoID Card of the Patient & Related Investigation & Prescription..

Step 3: Collect the pre-authorisation will forms pertaining to yourTPA

Step 4: Your pre-authorisation will have two sections-

i. General details on the health Insurance policy to be filled in

by you (the Corporate desk will assist you in case you have

any difficulty)

ii. Pertains to the treatment recommended for you-needs to be

filled in and duly signed by the Doctor who is treating you (do

not attempt to fill this section, contact the Corporate desk in

case of any difficulty).

CASHLESS REQUEST FORM

E-MEDITEK SOLUTIONS LIMITED. (IRDA License No. 007) Date:


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45 Nathupura Road, Gurgaon.Tel: 0124 5062068-5062070. Fax: 0124 5062071.E-Mail :[email protected]

PART A- TO BE FILLED IN BY TREATING CONSULTANT

Name of the Insured: Shri/Smt/Kum: __________________________________________Age: ___________yrs

I. D. No (As mentioned on the ID card)__________________________________ E-Mail ID:________________________________

Contact No. of insured: Landline _____________________________ Mobile :

_____________________________________

Advised admission / admitted under Dr. __________________________________________

Hospital / Nursing Home

Date of First consultation ______________

Name of the Doctor 1st consulted ___________________________________________ Tel:_________________________

Presenting complaints:________________________________

__________________________________________________________________________________________________________________

History of Presenting complaints:____________________________________________________________________________________________

Relevant Clinical Findings:

___________________________________________________________________________________________________

Investigation Reports (if any): _____________________________________________________________________________________

Relevant past history:___________________________________________________________________________________________

Diagnosis:_______________________________________________________________________________________________

Proposed Line of Treatment:

_______________________________________________________________________________________________________________

Details of past treatment:________________________________________________________________________________

History of the following

Hypertension (Duration) : Diabetes (Duration) :

IHD (Date of First episode): Asthma and Any other :

In c/o Road Traffic Accidents, please mention if the patient was under the influence of alcohol / any other drugs Yes/No

Obstetric History :

SIGNATURE OF THE ATTENDING DOCTOR

PART B TO BE FILLED BY HOSPITAL / NURSING HOME
mailto:[email protected]:[email protected]:[email protected]


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Proposed Date of

Admissio

n

Total Estimated Expenses

(give approximate break up

as under)

Rs

Approx Duration of stay Room Charges PACKAGE RATE

Name of the treating Dr.,

contact telephone and

registration no

Investigations and medicines PACKAGE RATE

Others PACKAGE RATE

SIGN & STAMP OF THE HOSPITAL / NURSING HOMEPART C- TO BE FILLED UP BY THE INSURED

INSURED CONSENT / AUTHORISATIONI have No Objection to EMSL obtaining details of my treatment / collecting documents and also hereby authorize

EMSL to pay the hospital bill & reimburse itself / receive the amount from my claim receivable from my insurance

company. If my claim is rejected, I hereby undertake to pay EMSL the amount paid by them to the hospital. This

consent is also final discharge for Hospitalisation part of the claim where it has affected the payment. I reserve the

right to submit pre / post hospitalisation or other claims separately as and when required and as per the policy

terms and conditions.

Previous policy details Policy No._________________________ Insurance Company: ___________________

Policy period_____________________Sum Insured_________________________

Previous claim details Ailment: ___________________Date: _______________Amount___________________Concurrent Policy Details (IF Any)- If you are holding other health Insurance policy than please furnish followinginformation.Name of the insurance Company:Divisional Office address and contact no.

Policy Period: From To Policy since how many years Sum Insured:

SIGNATURE/S. OF INSURED: ____________________________ NAME: _______________________________

Step 5: Return the completed form to the Corporate Help Desk.

The personnel at the desk will verify the form for its completeness

and let you know in case of any discrepancy

Step 6: Once the form is complete in all respects, the Corporate

Help Desk will fax the form to the office of your TPA.

Step 7: The Corporate Help Desk will revert to you on the

approval status

Guideline of Planned Admission by TPA


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Requested for the hospitalization on behalf of the beneficiary may

be forwarded by the Provide/Consultant attached to the provider,

or beneficiary himself after obtaining due details from the

treating doctor in the prescribed format i.e. Request for the

authorisation Letter.

The RAL should reach the Authorisation department within the

24hrs of the admission in case of emergency or with in 7days

prior to the expected date of admission in case of planned

admission.


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Process by Fax Method

Offline System of Preauth process

In this process a duely filled pre-auth form hospital will be faxed

to the respective TPA.

In TPA it will be stored in fax server and from this server

they will take print out of the request sent.

These printouts will be given to Batching dept. and here all

the requests are batched according to area wise or zone

wise.

Then it will be given to data entry operator who feed the info

from the request to TPA information system and makes first

entry and PA no. will be generated.

Then these requests are given to Approver/Authorisor who

refers to the policy conditions and the BSI and decides to

approve the claim or reject or send for further info.

If further info is required it will be faxed back to Provider.

If the claim is approved it is sent to hospital via fax.

In this process the major 3 steps which consumes lot of time

for processing are taking print from server, batching it anddata entry.

Online System of Preauth process

E-cashless Steps-

Step- 1


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Login to Provider Login:

https://24x7.icicilombard.com/ghi/provider/providerlogin.aspx

STEP-2 Select Add Pre- auth Request, Search Insured with UHID /

Combination of Emp ID & Policy Name or Policy

STEP-3


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STEP-4

STEP-5


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STEP - 6

STEP -7


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STEP - 8

STEP 9


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STEP 10


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STEP - 11

STEP 12


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AL letter can be printed by selecting View documents-Open and

print.Check Submitted through Web or search in Custom view.

Enhancement can be sent for Approved Cases by selecting

GOAgainst Add Enhancement option. Search by AL number

in Custom View.

If any minor corrections are required file will be sent back and

will reflect inRequest Input Select Go against Reply Send

Back and do necessary Changes and submit.

Query for document has to be uploaded by selecting upload.

AL letter can be printed by selecting View documents-Open and

print.Check Submitted through Web or search in Custom view.

Enhancement can be sent for Approved Cases by selecting GO

against Add Enhancement option. Search by AL number in

Custom View

If any minor corrections are required file will be sent back and

will reflect in Request Input Select Go against Reply Send

Back and do necessary Changes and submit.

Query for document has to be uploaded by selecting upload.


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Cashless facility denial

Normally your request for approval might be rejected when:

By the TPA

i. Information contained in the pre-authorisation form is

insufficient for the TPA to arrive at a decision and further

information is not available for various reasons. However the

chances of rejection under this criterion are rare since the

Corporate Help Desk at the hospital is experienced in

complying with pre-authorisation formalities and will advise

you suitably

ii. The ailment for which hospitalisation is being sought by you

is not covered under your insurance policy for reasons like

pre-existing ailment, specific exclusions (High Costs Lens)

iii. Some Injection is not payable as per policy.TPA denial the

pre-auth.

By the Patient

i. Patient want to best Surgery with best IOL in Ophthalmic

hospital but TPA didnt approval of best IOL. On that type

case Patients dont pay the money and Surgery denial.

ii. Patient fixed the date for surgery but after investigation

Physician didnt clearance for surgery.

iii. Patient want to next day surgery but next day didnt take

approval but patient denial.You have exhausted your eligible Medical Insurance cover for the

year.

If the actual medical expenses overshoot the pre-

approved amount

In case your hospitalisation expenses exceed the pre-approved

amount, you can approach the Corporate Help Desk to apply for

an enhancement of the pre-approved amount.

The Corporate Help Desk will apply for an enhancement on your

behalf with the TPA and provide the necessary documentation. In


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case you have not exhausted your medical insurance limit, it is

most likely that your TPA will approve the application for the

enhancement either for the requested enhanced amount or up

to your insured limit after deducting the value already utilized by

you during the year whichever is less.

If the TPA turns down the request for enhancement you will need

to pay the amount incurred in excess of your approved amount

directly to the hospital before the discharge.

Cashless hospitalisation cover

For complete details on the medical expenses that are covered,

and those that are not covered, you need to go through yourhealth insurance policy. However, in general, the expenses listed

below are not reimbursable under cashless hospitalisation

Registration / Admission Fee.

Pathology Service.

Radiology Service.

Medicines (Preoperative).

Other Investigation which is related to the procedure.

Registration / Admission Fee.

Visitors / Attenders Charges

Ambulance Charges

Charges for Diet, which is not part of the administered

treatment

Document Charges Toiletries

Non-medical Expenses

Service Charges.

Types of Query in Pre Authorization

Basically the TPA Company raised many type of query...

Not Clear Photo ID

Cost of IOL


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Type of IOL

Policy is not updated in TPA Company

Procedure is not payable in this policy.

Give the Medical resion of Multifocal.

Age Verification certificate.

vifercation of sending Amount.

After Approval ProcessCorporate help desk communicate after getting the approval.

Counselling Department

Ward Manager

Operation theatre

Patients

Counselling Department take the status of patient what is

approval? Because they display the O.T. one day earlier.

Ward Manager also takes status of Approval status because they

arrange the room, medicine and make the list of additional

amount for the health insurance.

Operation theatre wants to IOL status details.

Corporate Desk call to the patient for the co-pay & additional

amount regarding.

Discharge Process

After Discharge the patient TPA executive collect the Document.

1. Account Department2. Billing Department

3. Operation theatre


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4. Medical Store

1- Account Department -

Account Department give the advance receipt slip of Co-pay

receipt and IOL bill etc.

2- Billing Department

Generate the TPA bill according to the agreed package rate list.Like as.

PACKAGE RATES OF OPHTHALMIC PROCEDURE

S.No

Name of Procedure Cost Discription

1 SEMI PVT. ROOM 1250.00 ONE DAY

2 PVT. ROOM 2500.00 ONE DAY

3 PHACO FOLDABLE LENS(MULTIFOCAL)

52000.00 (RESTORE/TECHNIS)

4PHACO FOLDABLE LENS(MULTIFOCAL)

40000.00

(ACRILISA)

5PHACO FOLDABLE LENS(MONOFOCAL)(Advice by Eye surgeon)

38000.00

TORRIC IOL

6 PHACO WITH FOLDABLE LENS32000.0

0ASPHERIC LENS (BY

CO-MICS Technique)

7 PHACO WITH FOLDABLE LENS 28000.00 ASPHERIC LENS

8 PHACO WITH FOLDABLE LENS 20000.00 (INDIAN FOLDABLE)

9 ECCE WITH IOL 13000.00 ONE EYE

10 PHAKIC IOL 40000.00 FOR EACH EYE

11 ICL (IMPLATABLE) 48000.00 FOR EACH EYE

12 PAEDIATRIC CATARACT SURGERY 49000.00 BOTH EYES

13 PHACO + TRAB 35000.00 ONE EYE


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14 SQUINT 15000.00 ONE EYE

15 D.C.R. /DCT 18000.00 ONE EYE

16 LASIK LASER 35000.00 BOTH EYES

17 PTK 13000.00 PER EYE

18 VITRECTOMY (R.D/DIABETIC) 35000.00 ONE EYE

19 VITRECTOMY (E.R.M./ENDOLASER) 30000.00 ONE EYE

20 RETINAL DETACHMENT + PHACO 52000.00 WITH ROOM CHARGES

21 BUCKLE 22000.00 + ROOM CHARGES

22 CRYO FOR LATTICE 4500.00 PER EYE

23 CYCLOCRYO/CYCLOPHOTO 3500.00 PER EYE

24 ENTROPION 5000.00 ONE EYE

25 ECTROPION 5000.00 ONE EYE

26 PTERYGIUM 12000.00 WITH CONJ. GRAFTING

27 CHALAZION 6000.00 ONE EYE

28 EXAMINATION UNDER GA 5000.00 BOTH EYES

29 ENUCLEATION 16000.00 ONE EYE

30 INJECTION LUCENTIS212000.0

0(THREE DOSES)

INTRAVITREAL

31 INJECTION AVASTIN 11000.00 + ROOM CHARGES

32 EVISCERATION 16000.00 ONE EYE

33 CORNEAL TATTOING 4000.00 ONE EYE

34 OPTICAL IRIDECTOMY 6000.00 ONE EYE

35 EXCISION/MAJOR CYST REMOVAL 16000.00 ONE EYE

36 EXCISION/MINOR CYST REMOVAL 10000.00 ONE EYE

37 REPAIR (TRAUMA) MAJOR/MINOR 12000.00 ONE EYE

38 PTOSIS 16000.00 ONE EYE


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39 LID RECONSTRUCTION 13000.00 ONE EYE

40 BSK REMOVAL + EDTA 8000.00 ONE EYE

41 CORNEAL TRANSPLANT 22000.00 ONE EYE

42 AMG 15000.00 ONE EYE

43 RETINAL LASER PHOTOGRAPHY 4000.00 ONE EYE

44 VIT LAVAGE + PHACO 32000.00 ONE EYE

45TRABECULECTOMY +TROSECULOTOMY

18000.00 ONE EYE

46FUNDUS FLOUEROSEINANGIOGRAPHY

2000.00 BOTH EYES

47 YAG PI LASER 2500.00 ONE EYE

48 A-SCAN 750.00 ONE EYE

49 SYRINGING & PROBING 10000.00 ONE EYE

50 ICG (INDO CYNA GREEN) 7000.00 ONE EYE

51TRANSPUPILLARYTHERMOTHERAPHY

7000.00 ONE EYE

52PHTO DYANAMIC THERAPY BOTHEYES

150000.00

2 SITTINGS

53OCCULAR CO-HERENCE

TOMOGRAPHY1500.00 ONE EYE

54 AUTOMATED PERIMETRY (FIELD) 1500.00 BOTH EYES

55 Inj.HEALON .5 2000.00

56 INJ BSS PLUS 2500.00

57 INJ. VISCOAT 2500.00

58 LATTICE LASER 6000.00ONE EYE

59 INJ. INTRAVITREAL TRIAMASALONE 2500.00ONE DOSE

60 YAG CAPSULOTOMY 2500.00ONE EYE

61 INJ. MACUGEN INTRAVITREAL 55000.00

ONE DOSE62 LASER PHOTOCOAGULATION 2500.00 ONE SITTING


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Package of cataract here we are giving break up of cataract

package.

1. Room Rent

2. Anaesthesia charges

3. Cost of IOL

4. OT Charges

5. Operation charges

Guideline by TPA for the billing procedure

The bill must be as per the agreed schedule of charges. Any

higher amount will be deducted from the bill amount.

Any non-covered treatment / investigation, cost must be

recovered from the patient.

3- Operation theatre

Operation theatre provides the Discharge summary, Striker and

lines card of patient.

4- Medical Store

Medical store give bill of IOL and Medicines. IOL & Medicineswhich is included in the Packages.

Finally Corporate Desk prepared the final bill attaching some

document

A. Cover note

B. Final Bill

C. Biometry (A-Scan)

D. Lens Card original


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E. Discharge Summary

D. Copy of Approval Letter

E. Copy of Photo ID

All the Document verified by Authorized Signatory and make

duplicate copy for own records. Original Copy send on TPAs

address.

Guideline by TPA in Discharge

Checklist for the provider at the time of patient Discharge.

Original discharge card, original investigation reports, all original

prescription & pharmacy receipt etc. must not be given to thepatient. These are to be forwarded to billing department who will

compile the same and forward along with the bill to TPA.

In case the patient required the discharge Card / reports. He can

be asked to take photocopies of the same at his own expenses.

The Discharges Card/ Summary must mention the duration of

aliment, stay and duration of other disorders like hypertension or

diabetes and operative notes in case of surgeries. The clinical

details should be sufficiently informative.

Signature of the patient/beneficiary on final hospital bill including

surgical fees must be obtained.

Final Document for onword submission to TPA

Copy of Heath ID with legible ID number. Copy of AL with beneficiarys signature.

Signed claim form.


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Original final hospital bill with detailed break up of

miscellaneous, consumables & other charges.

Original and complete Discharge Card mentioning duration of

aliment and duration of other disorders like hypertension of

diabetes if any.

Original Investigation reports with corresponding request.

Any other documentary evidence, statutory under law.

Status of deposit paid if any, by beneficiary.

Any other related document.

Online & offline Process Feed Back from the

Hospital management staff and Insurance Desk

Incharge

The feedback form was given to few of the management staff and

also the insurance desk incharge and other related department

staff like admission and billing. And their feed back as follows-

The service provided by Online system is really good and they

find it has value added to their insurance processing and

collecting non medicals from patients and also

process of health insurance in the super-speciality hospitalh

Documents