Terms & Conditions

MANIPAL AROGYACARD

MANIPAL AROGYACARD FEES STRUCTURE

Card Type Plan Validity Individual Family Family +
New 2 Year 400/- 700/- 850/-
1 Year 250/- 500/- 650/-
Renewal 1 Year 220/- 460/- 600/-

SCHEDULE II DISCOUNTS AT NETWORK HOSPITALS

All benefits of Manipal Arogycard is applicable only for outpatients and general ward bed and applicable for higher wards. I hereby represent and warrant that I am at least 18 years of age and that possess the legal rights add ability to agree to the term and conditions mentioned overleaf and to utilize the in accordance with the same. I agree to be financially & otherwise responsible for utilization of the scheme by me (as well as for utilization of the scheme by others, including minors depender on me) and to comply with my responsibilities and obligations as stated in the terms and conditions mentioned overleaf. I have read and understood the terms and conditions mentioned overleaf and do hereby agree on behalf of my family and on my family and on my own behalf to be bound by the same and have signed the application accordingly.

INSTRUCTIONS FOR APPLICANTS

  • Kindly read the terms and conditions before filling the online application form
  • Please fill in the online application form completely in all respects.
  • Please write the complete name (including the names of dependents in case of family scheme) and address legibly as the health card will be sent back to you through post to the same address.
  • The completed application form along with the fees is to be submitted at your nearest Kasturba Hospital/ KMC Hospital or Agent or at any of the seven participating Manipal Hospitals only (refer clause on channel partners as indicated in Schedule II of terms and conditions).
  • All demand drafts are to be drawn in favour of "KASTURBA HOSPITAL". Draft should be payable at Manipal.
  • Payment to be made only to authorize channel/partners (indicated in Schedule II).
  • Please collect your acknowledgement slip (tear away portion at the bottom of the application form) after submission of the form & payment of the fee.
  • Please ensure that the acknowledgment slip is stamped and signed by the Agent or at the participating hospitals.
  • The acknowledgement slip maybe utilized in lieu of the card at the hospitals till the actual receipt of the card or 30th August, 2018 whichever is earlier.
  • Last date for submission of the completed application form is 31th Ocr 2019

TERMS AND CONDITIONS:

You are requested to read the following terms and conditions carefully. All of the terms and condition set forth below govern this scheme and apply to each and every person participating/desiring to participate in the scheme.

1. DEFINITIONS

A. Channel Partners:

Persons authorised to provide application for participation in the Scheme and to collect completed online application along with annual access fee from persons desiring to participate in the Scheme. A list of Channel Partners is annexed hereto as Schedule II.

B. Annual Access Fee:

The annual fee payable to access the services provided by the hospitals under the scheme. The annual Access Fee at present

One year Scheme

  • 250/- for coverage under the Individual Scheme (i.e., coverage for a single individual)
  • 500/- for coverage under the Family Scheme (i.e., coverage for the Individual and his/her family [Husband and wife and nay number of children’s with less than 25 years])
  • 650/- for coverage under the Family + Scheme (i.e., coverage for the individual and his/her family with his parents. (His father, Mother, Father in Law and Mother in Law) – any one or all four

Two year Scheme

  • 400/- for coverage under the Individual Scheme (i.e., coverage for a single individual),
  • 500/- for coverage under the Family Scheme (i.e., coverage for the Individual and his/her family [Husband and wife and nay number of children’s with less than 25 years])
  • 850/- for coverage under the Family + Scheme (i.e., coverage for the individual and his/her family with his parents. (His father, Mother, Father in Law and Mother in Law) – any one or all four

C. Applicant:

A person who desire to participate in the Scheme and has submitted a duty completed application along with Annual Access Fee to a Channel Partner/Hospital Counter.

D. Closing Date:

The last date on which the application for participation in the Scheme shall be 31th October 2019

E. Family:

The term 'Family' in relation to coverage under the Family Scheme means and includes the spouse and dependent unmarried children below 25 years of age, who the Primary Card Holder has enrolled under his/her membership.

F. Family Scheme +:

This card will include all the family members as defined under the family card and parents of the family card holder and his Father in Law and Mother in Law

G. ArogyaCard:

Individual identification cards issued to the Primary Card Holder and the members of his/her family. The ArogyaCard is to be used only by the Primary Card Holder and in case of coverage under the Family scheme, his/her family. It is necessary to present the ArogyaCard at the ArogyaCard Desk of a Hospital, to access medical services provided by such Hospital.

H. Hospital:

The hospitals associated with MAHE, as specified in Schedule - III and added thereto/deleted therefrom, from time to time.

I. Members:

Persons eligible to access the Services provided by the Hospitals under the Scheme, and are (i) the Primary Card Holder, and (ii) in case of participation under the Family Scheme by payment of an Annual Access Fee of 500/- the family.

J. Primary Card Holder:

A person who is named under the primary card holder section of an filled up ArogyaCard application received at the counter/agent with fee.

K. Scheme:

The Manipal ArogyaCard Scheme (formulated as a community initiative by MAHE having its offices at Madhav Nagar, Manipal - 576 104) under which the Services are provided through the Hospitals to Members.

L. Services:

All medically necessary services as determined by the respective hospital approached by the Member, more fully described in Schedule- III & added thereto/deleted therefrom, from time to time.

2. APPLICATION STAGE

A. A person seeking to participate in the Scheme should duly complete the specified application available. The Applicant should thereafter submit the application completed in all required respects, along with the applicable Annual Access Fee to the Channel Partners.

B. The applicant hereby specifically acknowledges and agrees that only the duly completed applications accompanied by applicable Annual Access Fee received before the closing date by MAHE would be considered for participation in the Scheme. In the event of non-receipt of application/Annual Access Fee by MAHE, the Applicant's cause of action lies solely against the concerned Channel Partner. MAHE shall not be held responsible or liable on account of non- receipt of the application/annual Access Fee for any reason whatsoever.

C. Receipt of application/Annual Access Fee by the concerned Channel Partner of MAHE will not constitute acceptance for participation in the Scheme. MAHE reserves the right to reject an application without providing any reason at any time during the course of the scheme. In the event an application is rejected, the entire Annual Access Fee paid by the applicant will be refunded.

D. Once a duly completed application along with applicable Annual Access Fee received, no request for cancellation will be entertained.

3. SERVICE TO MEMBERS

  • The services will start with effect from May 15th 2019
  • Validity begins from:
  • Sales Date Validtiy starting from
    1st April-30th April 15th may
    1st May-31st May 15th June
    1st June-30th June 15th July
    1st July-31st July 15th Aug
    1st Aug- 31st Aug 15th Sept
    1st Sept- 30th Sept 15th Oct
    1st Oct - 31st Oct 15th Nov
  • All the members would be issued Manipal ArrogyaCard. In the event of misuse of the ArogyaCard the membership to the scheme is liable to be cancelled and no refund will be made. The membership to the scheme is non-transferable and no responsibility is owed to non- members.
  • In the events the ArogyaCard is lost, stolen, destroyed or damaged, a duplicate shall be issued only on
    • Provision of requisite identification and proof of participation in the scheme; and
    • Payment of an amount of Rupees Fifty ( 50/-) towards handling charges.
  • The Member shall be governed by the terms conditions and policies of the relevant hospital while availing the Services.
  • Inpatient admission are subject to availability of beds at the time of such admission. A member shall deposit. With the relevant hospital, an amount equal to thirty percent (30%) of the normally applicable deposit (i.e, the deposit applicable to Non-Members), at the time of such inpatient admission, Such deposit shall be refunded at the time of discharge of the members from the relevant hospital, after deduction of all expenses not covered under the Scheme.
  • Members are eligible to be admitted only to the General Ward and Applicable higher wards, in case of an in patent admission. In the event of a member desiring to be admitted to a higher category of ward he/she shall pay the charges applicable to such ward and not the difference between the charges applicable to general ward and such private/semi-private ward.
  • No benefits other than those specified herein shall be made available to a member.
  • It is acknowledged and agreed that services added by a hospital after the closing date may not be extended to members. The decision in this regard shall be taken by the concerned hospital, and such decision shall be final.
  • Members shall not be eligible for reimbursement of any expenses incurred to a Member
  • For prescription drugs, consumable, materials, investigation, procedures and/or services, the Members shall pay separately at the same are received/availed. Member should hereby agree to accept responsibility for any and all bills not covered under the Scheme. (Covered under Schedule III).
  • Renewal if any, of the ArogyaCard shall be entirely at the discretion of MAHE and shall be under a set of fresh terms and conditions framed at that time.
  • In the event of any major disaster or epidemic, the hospital shall render services in so far as is practical, according to their professional judgement within the limitations of those facilities and personnel, which are then available.
  • It is specifically acknowledged that the scheme is purely a facility to the members to avail of the services at the hospitals in payment of Annual Access Fee, and is not a health insurance program. The Member acknowledges that MAHE, Channel Partners and the Hospital are not liable in case of death disability, injury, damage, hospitalization or other event and agrees that he/she will not hold MAHE, Channel Partners or the Hospitals responsible in any manner for compensation, recovery of compensation, damages or other claims.
  • MAHE may change, add or modify all or any of the terms and conditions set out herein without any advance notice. MAHE reserves the right to assign its right and duties herein, to any party at any time without notice to the Members.
  • MAHE reserves the right to cancel the Scheme at any time after the expiry of the sixth month from the Closing Date. On such cancellation, MAHE shall refund the Annual Access Fee paid by a Primary Card Holder, after deducting an amount proportionate to the period of coverage under the Scheme.
  • Settlement of any dispute related to the scheme is subject to the exclusive jurisdiction of the courts in Udupi only.
  • If any provision/s contained herein are found to be invalid by any court having competent jurisdiction. The invalidity of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.
  • Any cause of action that a Member may have with respect to the Scheme must be commenced within one year after the claim or cause of action arises or such claim or cause of action is barres.
  • Not with standing any other terms or conditions, in no event shall MAHE, the Channel Partners or the Hospitals be liable for any failure, delay, or impairment in the performance of their obligations, In any manner in whole or part to Acts of God severe weather conditions, labour disruptions, governmental decrees or controls, insurrections, war risks, shortages of supplies, or any other circumstances or causes beyond their control.

4. DISCLAMER OF WARRANTEE AND LIMITATION OF LIABILITY

  • The member acknowledges that the services are provided on 'as is' basis no representation or warranties whatsoever, express or implied, including but not limited to representations or warranties as to description quality, productiveness accuracy nature correctness or fitness or service for a particular purpose are made.
  • The member assume all risk for selection and use of the service, the member shall be solely responsible for any error misstatements, forgery, negligence delays, inaccuracies, acts or omissions in connection with the delivery of services.
  • On behalf of the member and any person who uses the services or products under the health card the member releases, acquits, and discharges MAHE, channel partners and the hospitals from any and all liabilities, claims, demands, actions, and causes of action that the member, his family and/or their legal representatives may have, by reason of any damage(whether or not personal) or injury (whether or not personal) sustained as a result of or during the use of any and all services and/or products available under or through the health card.
  • The member agrees to indemnify and hold obligations, owing, channel partners and the hospitals harmless from any claims, lawsuits, proceedings, costs, attorney's fees, damages or other losses (collectively losses) arising out of or relating to the member's use or non use of the services, in all cases including but not limited to losses for tort, personal injury, medical malpractice or product liability without limiting the generality of the foregoing. in no event shall obligations, owing, and/or the channel partners and/or the hospitals be liable for any special, incidental, consequential, or indirect damages, including damages for loss of liable for any special, incidental, consequential, or indirect been advised of the possibility of such damages.
  • In any event, the total liability (if any) on the part of obligations, owing, channel partners and the hospitals, whether arising under contract or otherwise, is limited to the fees received from or on behalf of the concerned member under this scheme.

SCHEDULE I List of exclusions (Not covered Manipal ArogyaCard)

  • Evening Clinic
  • Discount on ICU Facility
  • Operations done on OP basis. (KMC Hospital, Ambedkar Circle Mangalore)
  • Concession is not available on consumable charges
  • Discount offerings under various scheme cannot be used along with Manipal ArogyaCard

SCHEDULE I List of Channel Partners

[See Clause 1 (a)]

1. All ManipalArogyaCard located in Hospitals

2. MAC authorised agents appointed at various locations.

Emergency pick up by MARS with no cost for radius of 20 Kms in Mangaluru