Professional Documents
Culture Documents
Core Ipd Mou 22 Jan 2014 Final
Core Ipd Mou 22 Jan 2014 Final
Between
And
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
1
_____________________________ ________________________
Office at ICICI Lombard House, 414 Veer Savarkar Marg, Near Siddhivinayak
Temple, Prabhadevi, Mumbai – 400 025 (hereinafter referred to as “ICICI
General” which expression shall, unless repugnant to the context or meaning
thereof, be deemed to mean and include its successors, affiliate and assigns) as
party of the SECOND PART.
The Hospital and ICICI General are individually referred to as a "Party” or “party"
and collectively as "Parties” or “parties")
WHEREAS
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
2
_____________________________ ________________________
2. ICICI General is a general insurance company providing health
insurance to various state government, employer groups, corporates
and individuals and for this purpose ICICI General has created a
network of service providers.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
3
_____________________________ ________________________
Hospital and also the terms and conditions of this Agreement as
follows:
1. the masculine gender includes the other two genders and vice versa;
4. marginal notes or headings to clauses are for reference purposes only and
do not bear upon the interpretation of this AGREEMENT.
Definition
C. Insured Beneficiaries shall mean the person/s that are covered under
the health insurance scheme of ICICI General.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
4
_____________________________ ________________________
Bank Limited or
3. A person under the control of or under common control with ICICI
Bank limited or
4. Any person, in 26% or more of the voting securities of which, ICICI
Bank limited has a direct or beneficial interest.
5. For the purpose of this definition of Affiliate and agreement , “
Control” together with its grammatical variations when used with
respect to any person , means the power to direct the
management and policies of such person , directly or indirectly,
whether through the ownership of the vote carrying securities,
right to appoint member(s) to the board of directors, by contract or
otherwise howsoever; and “person” means a company,
corporation, a partnership, trust and any other entity or
organisation or other body whatsoever.
Article 1: Term
This agreement shall be in force from the effective date of this agreement, and
for a period of Three (3) (Term) unless terminated by either parties as per
provisions of Article 18 of this agreement. Upon expiry of the said term the
Agreement shall be renewed automatically for the same term unless terminated
by either party in writing.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
5
_____________________________ ________________________
5. The agreement is subject to the detailed schedule
of fees submitted by the Hospital, which shall be reviewed and accepted
by ICICI General.
6. The Hospital shall allow ICICI General's official to
visit the Beneficiary. ICICI General shall not interfere with the medical
team of the Hospital; however ICICI General reserves the right to discuss
the treatment plan with treating doctor. Further access to medical
treatment records and bills prepared in the Hospital shall be provided to
ICICI General on a case to case basis with prior appointment from the
Hospital.
2. For the ease of the Insured Beneficiary, the Hospital shall display the
recognition and promotional material, network status, and
procedures for admission supplied by ICICI General at prominent
location, preferably at the reception and admission counter and
Casualty/Emergency departments. The Hospital also needs to
inform their reception and admission staff the procedures of
admission and obtaining authorization letter as per the article 4.
The Hospital shall also allow ICICI Lombard to display their
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
6
_____________________________ ________________________
details.
1 Hospital will submit all the documents as listed in Article 4 above within 7
days from the date of the discharge of the patient/Insured Beneficiary
and ICICI General will make payment of eligible bills within 26 days from
the date of receipt of such submission. However if required, ICICI General
can call for further document related to treatment to process the case, in
which case the payment may be delayed beyond 26 days as
contemplated herein (Depending on the query response received from
the Hospital)
2 All payments shall be made through direct electronic fund transfer subject
to deduction of tax at source as applicable under the relevant laws.
Further, the payment reconciliation process shall be carried out on a
regular basis.
4 The final docket for onward submission to ICICI General for immediate
payment must contain the documents as mentioned in Article 5 and in
addition to the same shall also provide the following documents:
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
7
_____________________________ ________________________
g. Status of deposit paid if any by beneficiary.
The standard format for provider bills shall be as provided in Annexure III.
ICICI General reserves the exclusive right to deny or repudiate a claim without
divesting any such right either on the Hospital or any TPA. It shall be the sole
responsibility of ICICI General to repudiate/deny a claim with due regard to the
terms and conditions of the policy so availed by the Insured.
1. The Hospital undertakes that they have obtained all the registrations
/licenses /approvals required by law in order to provide the services
pursuant to this agreement and that they have the skills, knowledge and
experience required to provide the services as required in this
agreement.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
8
_____________________________ ________________________
2. The Hospital undertakes to comply with all requirement of law in so far as
these apply in accordance to the provisions of the law and the regulations
enacted from time to time, by the local bodies or by the central or the
state govt.
3. The Hospital will have the facility covered by proper indemnity policy
including errors, omission and professional indemnity insurance and
agrees to keep such policies in force during entire tenure of the
Agreement. The cost/ premium of such policy shall be borne solely by the
hospital.
It has full power capacity and authority to execute deliver and perform
this Agreement and it has taken all necessary action (corporate, statutory or
otherwise) to execute delivery, perform and authorize the execution delivery
and performance of this Agreement and that it is fully empowered to enter into
and execute this Agreement as well as perform all its obligations hereunder.
Neither the making of this Agreement nor compliance with its terms will
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
9
_____________________________ ________________________
be in conflict with or result in the breach of or constitute a default or require any
consent under any provision of any agreement or other instrument to which
such party is a party or by which it is bound; any judgement injunction, order,
decree or award which is binding upon such Party; and/or such Party’s the
Memorandum and / or Articles of Association.
ICICI General has a right to avail similar services as contemplated herein from
other institution for the Health services covered under this agreement.
Article 13: Relationship of the Parties
Nothing contained herein shall be deemed to create between the Parties any
partnership, joint venture or relationship of principal and agent or master and
servant or employer and employee or any affiliate or subsidiaries thereof. Each
of the Parties hereto agree not to hold itself or allow its directors
employees/agents/representatives to hold out to be a principal or an agent,
employee or any subsidiary or affiliate of the other.
Nothing contained herein shall forbid the Hospital from providing continuous
services to ICICI General including but not limited to change in an agreement
entered into between the Hospital and the TPA or change in the TPA.
The Hospital shall provide bespoke services to the insureds in a precise, reliable
and professional manner and treat the Insured Beneficiaries of ICICI General
according to good business practice. The Hospital shall further ensure that
medical treatment/facility with all due care and accepted standards is extended
to the Insured Beneficiaries and extend priority admission facilities to the
Insured Beneficiaries of ICICI General.
The Hospital shall scrupulously adhere to and follow the Code of Conduct as set
out in Article 2 to the service level agreement and as may be prescribed and
communicated from time to time. Breach of this sub-clause will entitle the
Company to terminate this Agreement forthwith and without any notice;
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
10
_____________________________ ________________________
Article 17: Reporting
In the first week of each month, beginning from the first month of the
commencement of this Agreement, the hospital and ICICI General shall
exchange information on their experiences during the month and review the
functioning of the process and make suitable changes whenever required.
However, all such changes have to be in writing and by way of suitable
supplementary agreements or by way of exchange of letters.
1.1. The Hospital violates any of the terms and conditions of this
agreement; or
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
11
_____________________________ ________________________
Article 20: Confidentiality
1. Each party shall maintain confidentiality relating to all matters and issues
dealt with by the parties in the course of the business contemplated by
and relating to this agreement. The Hospital shall not disclose to any
third party, and shall use its best efforts to ensure that its, officers,
employees, keep secret all information disclosed, including without
limitation, document marked confidential, medical reports, personal
information relating to insured, and other unpublished information except
as maybe authorized in writing by ICICI General. ICICI General shall not
disclose to any third party and shall use its best efforts to ensure that its
directors, officers, employees, sub-contractors and affiliates keep secret
all information relating to the hospital including without limitation to the
hospital’s proprietary information, process flows, and other required
details.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
12
_____________________________ ________________________
1. ICICI General will not be in any way held responsible for the outcome of
treatment or quality of care provided by the Hospital.
2. ICICI General shall not be liable or responsible for any acts, omission or
commission of the Doctors and other medical staff of the Hospital and the
Hospital shall obtain professional indemnity policy on its own cost for this
purpose. The Hospital agrees that it shall be responsible in any manner
whatsoever for the claims, arising from any deficiency in the services or
any failure in providing the services.
4. The Hospital will indemnify, defend and hold harmless the ICICI General
against any claims, demands, proceedings, actions, damages, costs, and
expenses which the company may incur as a consequence of the
negligence of the former in fulfilling obligations under this Agreement or
as a result of the breach of the terms of this Agreement by the Hospital or
any of its employees or doctors or medical staff.
The notices shall be sent to the other Party to the above addresses (or to
the addresses which may be provided by way of notices made in the
above said manner):
Attn:
Tel :
Fax:
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
13
_____________________________ ________________________
-if to ICICI General
4. The place of arbitration shall be Mumbai and any award whether interim
or final, shall be made, and shall be deemed for all purposes between the
parties to be made, in Mumbai.
5. The arbitral procedure shall be conducted in the English and any award
shall be rendered in English. The procedural law of the arbitration shall be
Indian law.
6. The award of the arbitrator shall be final and conclusive and binding upon
the Parties, and the Parties shall be entitled (but not obliged) to enter
judgement thereon in any one or more of the courts having jurisdiction.
7. The rights and obligations of the Parties under, or pursuant to, this Clause
including the arbitration agreement in this Clause, shall be governed by
and subject to Indian law.
This Agreement together with any Annexures attached hereto constitutes the
entire Agreement between the parties and supersedes, with respect to the
matters regulated herein, and all other mutual understandings, accord and
agreements, irrespective of their form between the parties. All Annexures shall
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
14
_____________________________ ________________________
constitute an integral part of the Agreement.
3. The hospital may not assign, transfer, encumber or otherwise dispose of this
Agreement or any interest herein without the prior written consent of ICICI
General, provided whereas that the ICICI General may assign this Agreement
or any rights, title or interest herein to an Affiliate without requiring the
consent of the hospital.
4. The failure of any of the parties to insist, in any one or more instances, upon
a strict performance of any of the provisions of this Agreement or to exercise
any option herein contained, shall not be construed as a waiver or
relinquishment of such provision, but the same shall continue and remain in
full force and effect.
Article 25: Severability
The captions herein are included for convenience of reference only and shall be
ignored in the construction or interpretation hereof.
1.
2.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
15
_____________________________ ________________________
SIGNED AND DELIVERED BY ICICI
LOMBARD GENERAL INSURANCE
COMPLAY LIMITED, the within named ICICI
General, by the hand of ___________ it’s
Authorised Signatory
In the presence of:
1.
2.
5. If “clause 4”above is not followed, the clarification for the delay needs
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
16
_____________________________ ________________________
to be forwarded along with the request for authorization.
6. The RAL form shall be dully filled with clearly mentioning Yes or No
and/or the details as required. The form shall not be sent with nil or blanks
replies.
10. When the cost of treatment exceeds the authorized limit, request for
enhancement of authorization limit shall be made immediately during
hospitalization using the same format as for the initial preauthorization. The
request for enhancement shall be evaluated based on the availability of
further limits and may require to provide valid reasons for the same. No
enhancement of limit is possible after discharge of insured.
11. Further the insurer shall accept or decline such additional expenses
within a maximum of 24 hours of receiving the request for enhancement.
Absence of receiving the reply from the insurer within 24 hours shall be
construed as denial of the additional amount.
12. In case the insured has opted for a higher accommodation / facility
than the one eligible under the policy, the provider shall explain orally the
effect of such option and also take a written consent from the insured at the
time of admission as regard to owing the responsibility of such expenses by
the insured including the proportionate expenses which have a direct
bearing due to up gradation of room accommodation/facility. In all such
cases the insurer shall pay for the expenses which are based on the
eligibility limits of the insured. However provider may charge any advance
amount/security deposit from the insured only in such cases where the
insured has opted for an upgraded facility to the extent of the amounts to be
collected from the insured.
13. Insurance company guarantees payment only after receipt of RAL and
the necessary medical details. The Authorization Letter (AL) shall be issued
within 48hours of receiving the RAL.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
17
_____________________________ ________________________
14. In case the ailment is not covered or given medical data is not
sufficient for the medical team of authorization department to confirm the
eligibility, insurer or its representative TPA can deny the authorization.
15. Authorisation letter [AL] shall mention the authorization number and
the amount guaranteed for the procedure.
16. In case the balance sum available is considerably less than the cost of
treatment, provider shall follow their norms of deposit/running bills etc.
However, provider shall only charge the balance amount over and above the
amount authorized under the health insurance policy against the package or
treatment from the insured.
17. Once the insured is to be discharged, the provider shall make a final
request for the preauthorization for any residual amount along with the
standard discharge summary and the standard billing format. Once the
provider receives final pre-authorization for a specific amount, the insured
shall be allowed to get discharged by paying the difference between the pre-
authorised amount and actual bill, if any. Insurer, upon receipt of the
complete bills and documents, shall make payments of the guaranteed
amount to the provider directly.
18. Due to any reason if the insured does not avail treatment at the
Provider after the preauthorization is released, the Provider shall cancel the
Pre-authorisation and intimate to TPA immediately.
21. Insurer shall not be liable for payments to the providers in case the
information provided in the “request for authorization letter” and subsequent
documents during the course of authorization, is found incorrect or not
disclosed.
22. Provider, Insurer and its representative TPA shall ensure that the
procedure specified in this Schedule is strictly complied in all respects.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
18
_____________________________ ________________________
(RAL). The RAL shall be sent along with all the relevant details in the
electronic form to the 24-hour authorization /cashless department of the
insurer or its representative TPA along with contact details of treating
physician and the insured. The insurer’s or its representative TPA’s medical
team may consult the treating physician or the insured, if necessary.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
19
_____________________________ ________________________
5. AL is not an unconditional guarantee of payment. It is
conditional on facts presented – when the facts change the guarantee
changes.
4E Reauthorization
6. Standard Claim form duly filled in shall be presented to the insured for
signing and identity of the insured shall be confirmed by the provider.
Network Provider agrees to comply with the present & future requirements of
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
20
_____________________________ ________________________
insurers like standardized pre-authorization form/discharge summary/billing,
ICD-10 coding etc. In case Network Provider doesn’t have such facility at their
end, they agree to get such services outsourced to a competent agency at their
own cost.
2. The Provider shall submit the following documents with the final invoice:
a) fully completed claim form or the relevant claim section of the pre-
authorisation letter, signed by the insured and the treating consultant for
the treatment performed;
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
21
_____________________________ ________________________
3. The Provider shall submit the final invoice and all supporting
documentation required within 2 days of the discharge date Service network
provider may endeavor to provide all claim records electronically including
indoor case record.
1. Components of standardization:
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
22
_____________________________ ________________________
interpretation of the terms in the document and the information provided
is uniform.
a) Patient’s Name*:
b) Telephone No / Mobile No*:
c) IPDNo:
d) Admission No:
e) Treating Consultant/s Name, contact numbers and Department/Specialty :
f) Date of Admission with Time:
g) Date of Discharge with Time:
h) MLC No/FIR No*:
i) Provisional Diagnosis at the time of Admission:
j) Final Diagnosis at the time of Discharge:
k) ICD-10 code(s) or any other codes, as recommended by the Authority,
for Final diagnosis*:
l) Presenting Complaints with Duration and Reason for Admission:
m) Summary of Presenting Illness:
n) Key findings, on physical examination at the time of admission:
o) History of alcoholism, tobacco or substance abuse, if any:
p) Significant Past Medical and Surgical History, if any*:
q) Family History if significant/relevant to diagnosis or treatment:
r) Summary of key investigations during Hospitalization*:
s) Course in the Hospital including complications if any*:
t) Advice on Discharge*:
u) Name & Signature of treating Consultant/ Authorized Team Doctor:
v) Name & Signature of Patient / Attendant*:
GUIDE NOTES FOR FILLING DISCHARGE SUMMARY FORMAT:
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
23
_____________________________ ________________________
d) Desirable not mandatory
e) Significant past medical and surgical history shall be relevant to present
ailment and shall provide the summary of treatment previously taken,
reports of relevant tests conducted during that period. In case history is
not given by patient, it should be specified as to who provided the same.
g) The course in the hospital shall specify the line of treatment, medications
administered, operative procedure carried out and if any complications
arise during course in the hospital, the same should be specified. If
opinion from another doctor from outside hospital is obtained, reason for
same should be mentioned and also who decided to take opinion i.e.
weather the admitting and treating consultant wanted the opinion as
additional expertise or the patient relatives wanted the opinion for their
reassurance.
a. Bill Format
b. Codes for billing items and nomenclature.
c. Standard guidelines for preparing the bills.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
24
_____________________________ ________________________
a. The summary bill and
b. The detailed breakup of the bills.
Provider Name Legal entity name and not the trade name
Provider Registration Registration number of the provider with local authorities. Once the
Number clinical establishments ( registration and regulation) bill, 2007 is
passed, then registration number under this act
Payer Name Name of the insurance company with whom the member is insured.
In case of cash patient then the field is to be left blank. If the bill is
raised to more than one insurer then the primary insurer who has
given cashless is to be mentioned. The name of insurance company
needs to be mentioned and not the TPA.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
25
_____________________________ ________________________
Service Tax Regn No Registration number from service tax authorities. Mandatory in
case service tax is charged in the bill.
Date of admission Date of admission of the member in case of IPD cases. In case of
Day care procedures, this is the date of procedure.
Date of discharge Date of discharge of the member in case of IPD cases. In case of
Day care procedures, this is the date of procedure(same as date of
admission)
Bed Number Bed number in which the patient is admitted. In case the member
is admitted under more than one bed number, all the numbers have
to be mentioned.
SL No 1 of billing All items under the primary head Rs.'100000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 2 of billing All items under the primary head Rs.'200000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 3 billing Summary All items under the primary head Rs.'300000' in the detailed bill
have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 4 of billing All items under the primary head Rs.'400000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 5 of billing All items under the primary head Rs.'500000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 6 of billing All items under the primary head Rs.'600000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 7 of billing All items under the primary head Rs.'700000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
mentioned here.
SL No 8 of billing All items under the primary head Rs.'800000' in the detailed bill
Summary have to be summarized into this. In case the procedure is
packages, then only bills amount beyond the package needs to be
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
26
_____________________________ ________________________
mentioned here.
SL No 9 of billing All items under the primary head Rs.'900000' in the detailed bill
summary have to be summarized into this. If more than one procedure is
done, the total amount of the two procedures needs to be
summarized
Amount paid by the Amount of bill paid by the member including co-pay, deductible,
member non-medical items etc include discount offered to member, if any,
Amount payable Total amount payable by Insurance Company including service tax
patients signature Signature of the patient or the attendant of the patient needs to be
mandatorily taken
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
27
_____________________________ ________________________
irrespective of when they were used
d. date of return of pharmacy items for pharmacy returns
ix. The additional guidelines to fill the summary format shall be as below,
except that the first section of the bill is same as the bill summary
referred in 3 above.
Date Date on which service is rendered. For example, this is the date of
investigation, date of procedure etc.
Code Level 2 or 3 code of the billing item as per the codes (Part ii)
Rate Per unit price (per day room rent, per consultation charge)
Schedule-III
I. Schedules: Schedule-III A
Billing Summary
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
28
_____________________________ ________________________
1 100000 Room & Nursing Charges
3 300000 OT Charges
Discount Amount 0
Service Tax 0
Amount payable 0
Schedule-III B
PART-1
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
29
_____________________________ ________________________
Bill Number
Provider Name
Billing Details
SL Date Code Particulars Rate No’s (Unit) Amount
No
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
30
_____________________________ ________________________
PART-II
100000 Room & Nursing 101000 Room Charges 101008 Bed Sheet
Charges charges
100000 Room & Nursing 101000 Room Charges 101009 Hot water
Charges charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
31
_____________________________ ________________________
charges
100000 Room & Nursing 103000 Duty Doctor fee 103001 Duty
Charges Doctor fee
100000 Room & Nursing 103000 Duty Doctor fee 103002 RMO Fees
Charges
100000 Room & Nursing 104000 Monitor Charges 104001 Pulse if used in
Charges Oxymeter normal
charges Room
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
32
_____________________________ ________________________
charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
33
_____________________________ ________________________
charges
200000 ICU Charges 204000 ICU Supplies & 204005 Pacing Temporar
equipment Charges y
Pacemar
ker
300000 OT Charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
34
_____________________________ ________________________
300000 OT Charges 301000 OT rent 301003 Cath Lab
Charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
35
_____________________________ ________________________
300000 OT Charges 302000 OT Equipment 302005 Monitor For OT
charges monitoring
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
36
_____________________________ ________________________
Consumables Consumables Materials
charges charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
37
_____________________________ ________________________
charges charges
600000 Investigation
charges
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
38
_____________________________ ________________________
tests(Lipid
profile, LFT
etc)
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
39
_____________________________ ________________________
of packages
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
40
_____________________________ ________________________
packages
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
41
_____________________________ ________________________
Steps 1 - Putting the Provider on “Watch-list”
1. Based on the claims data analysis and/ or the Provider visits, if there is
any doubt on the performance of a Provider, the Insurance Company can
put that Provider on the watch list.
2. The data of such Provider shall be analyzed very closely on a daily basis
by the Insurance Company for patterns, trends and anomalies.
a. For the Providers which are in the “Watch-list” if the Insurance Company
observes continuous patterns or strong evidence of irregularity based on
either claims data or field visit of Providers, the Provider shall be suspended
from providing services to policyholders/insured patients and a formal
investigation shall be instituted.
4. A formal letter shall be send to the Provider regarding its suspension with
mentioning the Time frame within which the formal investigation will be
completed.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
42
_____________________________ ________________________
Step 4 - Action by the Insurance Company
8. The entire process should be completed within 30 days from the date of
suspension.
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
43
_____________________________ ________________________
Annexure V – Indicative List of Commonly Excluded Items
Items
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
44
_____________________________ ________________________
A 36 Slippers Not Payable
A 37 Telephone charges Not Payable
A 38 Tissue paper Not Payable
A 39 Tooth paste Not Payable
A 40 Tooth Brush Not Payable
A 41 Guest services Not Payable
A 42 Bed pan Not Payable
A 43 Bed under pad charges Not Payable
A 44 Camera cover Not Payable
A 45 Care free Not Payable
A 46 Cliniplast Not Payable
A 47 Crepe bandage Not Payable
A 48 Curapore Not Payable
A 49 Diaper of any type Not Payable
Not Payable(however if CD is specifically
DVD,CD charges
A 50 sought by insurer/TPA then payable)
A 51 Eyelet Collar Not Payable
A 52 Face mask Not Payable
A 53 Flexi mask Not Payable
A 54 Gause soft Not Payable
A 55 Gauze Not Payable
A 56 Hand holder Not Payable
A 57 Hansaplast/Adhesive Bandages Not Payable
A 58 Lactogen/Infant food Not Payable
B. Items which form part of hospital
services where separate
consumables are not payable but
the service is
Payable under OT charges,Not Payable
Ward & theatre booking charges
B1 separately
Rental charged by the hospital
Anthroscopy & Endoscopy instruments payable.Purchase of Instruments not
B2 payable
Payable under OT charges,Not Payable
Microscope cover
B3 separately
Payable under OT charges,Not Payable
Surgical blades,harmonic scalpel,shaver
B4 separately
Payable under OT charges,Not Payable
Surgical drill
B5 separately
Payable under OT charges,Not Payable
Eye kit
B6 separately
Payable under OT charges,Not Payable
Eye drape
B7 separately
Payable under Radiology charges,not as
X- ray film
B8 consumables
Payable under Investigation charges,not
Sputum cup
B9 as consumables
Payable under OT charges,Not Payable
Boyles apparatus charges
B 10 separately
Blood grouping and cross matching of
Part of cost of blood,not payable
B 11 donors samples
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
45
_____________________________ ________________________
B 12 Savlon Not payable- part of dressing charges
Band aids,bandages,sterile
Not payable -part of dressing charges
B 13 injections,needles.syringes
B 14 Cotton Not payable -part of dressing charges
B 15 Cotton bandages Not payable -part of dressing charges
Not payable- payable by the patient when
Micropore/Surgical tape prescribed,otherwise included as dressing
B 16 charges
B 17 Blade Not Payable
Not Payable-part of hospital
Apron services/disposable linen to be part of
B 18 OT/ICU charges
Not Payable(service is charged by
Torniquet hospitals,consumables cannot be
B 19 separetly charged)
B 20 Orthobundle,Gynaec bundle Part of dressing charges
B 21 Urine container Not Payable
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
46
_____________________________ ________________________
D 13 File opening charges Not payable
Incidental expenses/Misc.charges (Not
Not payable
D 14 explained)
D 15 Medical certificate Not payable
D 16 Maintainance charges Not payable
D 17 Medical records Not payable
D 18 Preparation charges Not payable
D 19 Photocopies charges Not payable
D 20 Patient indentification band/Name tag Not payable
D 21 Washing charges Not payable
D 22 Medicine box Not payable
Payable upto 24 hrs.shifting charges not
Mortuary charges
D 23 payable
D 24 Medico legal case charges(MLC charges) Not payable
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
47
_____________________________ ________________________
Private nurses charges-Special nursing Post hospitalisation nursing charges not
F2 charges payable
Nutrition planning charges-Dietician Not payable separately, patient diet part
F3 charges-Diet charges of room charge
Cream powder lotion(toileteries are not
payable,only prescribed medical Payable when prescribed
F4 pharmaceuticals payable)
Upto 5 electrodes are required for every
case visiting OT or ICU.For longer stay in
ECG electrodes ICU, May require a change and at least
one set every second day must be
F5 payable.
Sterilized gloves payable/unsterilized
Gloves
F6 gloves not payable
F7 HIV kit Payable-pre operative screening
If used during hospitalisation is payable
Nebulisation kit
F8 reasonably
Routine Vaccination not payable/post bite
Vaccination charges
F9 vaccination payable
H Others
H 1 Vaccine charges for Baby Not Payable
H 2 Aesthetic treatment/Surgery Not Payable
H 3 TPA charges Not Payable
H 4 Visco belt charges Not Payable
Any kit with no details mentioned
Not Payable
H 5 (delivery kit,orthokit,Recovery kit,etc.)
H 6 Examination gloves Not Payable
H 7 Kidney tray Not Payable
H 8 Mask Not Payable
H 9 Ounce glass Not Payable
Not Payable,except for telemedicine
Outstation consultant's/Surgeon's fees
H 10 consultations where covered by policy
H 11 Oxygen mask Not Payable
H 12 Paper gloves Not Payable
H 13 Referal Doctor's fee Not Payable
Not payable pre hospitalisation or post
Accu Check (Glucometery/Strips) hospitalisation/reports and charts
H 14 required/Device not payable
H 15 Pan can Not payable
H 16 Softnet Not payable
H 17 Trolly cover Not payable
H 18 Urometer,Urine jug Not payable
H 19 Ambulance Payable-Ambulance from home to hospital
or interhospital shifts is payable/RTA as
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
48
_____________________________ ________________________
specific requirement is payable
Payable- Maximum of 3 in 48 hrs. and
Tegaderm/Vasofix safety
H 20 then 1 in 24 hrs.
Payable where medicaly necessary till a
Urine bag
H 21 reasonable cost.Maximum 1 per 24 hrs
H 22 Softovac Not payable
Essential for case like CABG etc. Where it
Stockings
H 23 should be paid
Signed: For, ICICI Lombard GIC Ltd. Signed: For, Service Provider
49
_____________________________ ________________________