Fortis is offering only to senior citizens

Loyalty programmes, with various discounts and waivers, are on offer by many groups. With the cost of healthcare rising, medical insurance is fast becoming a necessity. Financial planners say a family of six needs to spend Rs 3,000-5,000 per month on an average on healthrelated issues. Fortis Healthcare runs a programme called Golden Age Club for those above 60 years of age. The hospital offers a separate assistance desk for elderly members, besides priority admission. The benefits on the club card include a 10 per cent discount on treatment, diagnostic services, outpatient department (OPD) and on room rentals. And, free ambulance services. This age group needs frequent check-ups and diagnosis. It is also prone to chronic ailments, requiring admissions quite often. We have designed the programme so that they can save cost, said Ranjana Smetacek, director, marketing, Fortis Healthcare. Apollo Hospital in Bangalore has a Healthy Citizens Club for all age groups, starting from eight years. The hospital has divided the membership into three categories, depending on the age. A gold card is for those who are 55 years and above. Between 18 and 54 years, a person can opt for a silver card; a Gen Next card is for those between the age of eight and 17 years.

All members get six per cent discount on medicines purchased from Apollo pharmacies, 15 per cent on room rents, 15 per cent on regular check-ups and 10 per cent on ophthalmology consultations. Depending on the age group, the hospital offers some special discounts and free coupons. For example, the elderly get five per cent more discounts on OPD and diagnostics compared to the other two age groups. They also get 10 per cent discount on the Apollo Senior Citizens Health Check Package, a free monthly blood pressure check, free dental check and free electrocardiography (ECG) coupons. For the eight to 17 years group, the discount for dental procedures is 20 per cent. Apart from special privileges, the members get accident insurance of Rs 1 lakh at a premium of Rs 99 each year. These memberships are available for a one-time fee of Rs 500 for all three categories, said Ravindra Pai, VP, marketing and operations, Apollo Hospital, Bangalore. Some hospitals offer such services in a tie-up with a third party. For example, Pune-based Indus Health Plus has such cards for hospitals in 10 cities, mostly in western India. The company has two programmes, Platinum and Blue, for Rs 3,500 and Rs 900, respectively. The discounts are higher in Platinum than Blue cards.
For some diagnostic tests in the Platinum programme, the discounts can be as high as 60 per cent, said Amol Naikawadi, joint managing director, Indus Health Plus. The discounts on hospitalisation and medicines are 10 per cent.

About GNRC assure GNRC assure is a healthcare membership plan that ensures significant discounts to its members on various healthcare services at GNRC hospitals and select partner healthcare institutions. This all encompassing membership plan assures that individuals avail best treatment at the time of need without having to compromise with their own health and that of their family members. Enrolling by few simple steps, membership to this plan stands as support and relief from the high expenses of quality medical treatment.

Benefits of GNRC assure

It covers both in-patient and out-patient care including hospitalisation, doctor consultations, diagnostic tests (radiology, pathology, cardiology), medicine purchase from GNRC Dispur and Six Miles hospital pharmacy It enables unlimited usage There is no age limit for enrolment, the same affordable membership fee will be applicable for all Benefits available on all treatments Instant benefits without any paper work

Can also be taken as an additional scheme to avail those benefits which are generally not covered by health insurance schemes

The three variants of GNRC assure/Type of membership

Platinum Gold Silver

Based on your medical requirements, you can select any of the three variants of GNRC assure > Type of card Annual individual membership fee Outpatient Services Consultations with General Practitioners (MBBS)1 Consultation with specialists (MD, MS, DM and above)1 Pathology investigations2 Radiology investigations2 Cardiology Tests2 100% off on two consultations in a year 100% off on two consultations in a year 20% discount 20% discount Nil 100% off on two consultations in a year 100% off on two consultations in a year 40% discount 40% discount 40% discount on all cardiology tests (e.g. TMR, Echo, ECG etc) 20% discount 10% discount 100% off on two consultations in a year 100% off on two consultations in a year 60% discount 60% discount 60% discount on all cardiology tests (e.g. TMR, Echo, ECG etc) 30% discount 10% discount Silver Rs 1,200* Gold Rs 1,800* Platinum Rs 2, 400*

Neurological tests Drugs and Medicines3 (at any of GNRCs Dispur or Six Miles Hospital

10% discount 10% discount

Pharmacy) Inpatient Services Hospitalisation4 & 5 20% discount on any hospitalisation 30% discount on any hospitalisation 40% discount on any hospitalisation

*All applicable taxes, levies and duties imposed by government are to be paid additionally 1. Can be availed at GNRC Group of Hospitals, at empanelled Medical Practitioner or at empanelled Hospitals 2. Any additional consumables required for the tests such as contrasts, etc will be billed to the patient on MRP 3. Discount shall not be available on some high value, low margin drugs 4 & 5. Only specified services can be availed from GNRC empanelled hospitals Please refer to detail terms and conditions governing the benefits and the health plan scheme

Illustrative presentation of the benefits Most regularly used services by a person in a year Annual membership fee (Rs) Two GP and Two specialist consultations 400 1,050 You pay (Rs) Your savings (Rs) Normal Cost (Rs) Silver member 1200 Gold Member 1800 Platinum member 2400

Nil

Nil

Nil

400 to 1,050

400 to 1,050

400 to 1,050

Three pathology investigations (you can avail benefits on unlimited number of investigations) Two radiology investigations

300 600

You pay (Rs) Your savings (Rs)

240 to 480

180 to 360

120 to 140

60 to 120

120 to 140

180 to 360

800 2,400

You pay (Rs) Your savings (Rs)

640 to 1,920

480 to 1,440

320 to 960

160 to 480

320 to 960

480 to 1,440

Medicine purchase

2,500 3,000

You pay (Rs) Your savings (Rs)

2,250 to 2,700

2,250 to 2,700 250 to 300

2,250 to 2,700

250 to 300

250 to 300

Total (outpatients)

4,000 7,050

You pay (Rs) Your savings (Rs)

3,130 to 5,100

2,910 to 4,500 1,090 to 2450

2,690 to 3,800

8,70 to 1,950

1,390 to 3,150

Cardiology and Hospitalisation Services One Angiography 10,000 12,000 You pay (Rs) Your savings (Rs) Hospitalisation 25,000 50,000 You pay 10,000 12,000 Nil 6,000 to 7,200 4,000 to 4,800 17,500 to 35,000 4,000 to 4,800

6,000 to 7,200

20,000 to 40,000

15,000 to 30,000

(Rs) Your savings (Rs) Total (cardiology and hospitalisation services) 35,000 62,000 You pay (Rs) Your savings (Rs) 5,000 to 10,000 30,000 to 52,000 5,000 to 10,000 7,500 to 15,000 23,500 to 42,200 11,500 to 19,800 10,000 to 20,000 19,000 to 34,800 16,000 to 27,200

Family Enrolment & Group Enrolment Family Enrolment We offer additional discounts for group enrolment so that you can provide comprehensive medical care to all members of your family at affordable rates.

Family of 2 Family of 3 Family of 4-9

10% discount 15% discount 20% discount

For example, if you are a family of four, the total membership fee that you would need to pay for a platinum card is Rs 7,680 annually (i.e. 2400 x 4 = 9600, after 20% discount = your family pays Rs 7,680 i.e. approximately only Rs 21 per day) Note: Family includes a) Chief wage earner and spouse; b) Parents of chief wage earner, if alive, else parents of spouse; c) Financially dependent children; d) Financially dependent siblings. Group Enrolment In case you and your colleagues in a Company/institution/Association would like to enroll for the membership, we offer 20% discount on membership fees for more than 20 persons enrolling together in a single instance.

For further enquiries, please contact GNRC Helpdesk at +91 9435344444. Payment options

You may pay your membership fee to our sales representative (or at designated counters at GNRC Ltd.) through a demand draft or a cheque payable at Guwahati in favour of GNRC Ltd. You can also pay through Cash by depositing directly in our account at State Bank of India, A/C No. 10821404745 or at designated counters at GNRC Ltd. and produce a counterfoil to our representative for submitting your application form. In your own interest, we advise you not to hand over cash to any of our sales representatives and also to verify the procedure with our central help-desk. You may also choose to pay in installments by availing the facility from our partner financial institutions. Please ask our representative for the details. You may also submit your filled up application forms along with the payment at designated counters at GNRC hospitals. List of our empanelled member hospitals and practitioners

Please get in touch with our sales representatives or our central help-desk. Terms and conditions:

Card shall refer to member's identity card for the chosen type of membership of GNRC assure. Members refer to people who have opted to take membership of GNRC assure Grant of membership: Membership will be granted only after realisation of full payment by GNRC Ltd. Time taken to dispatch the member's identity card would normally be within 10 days from date of realisation of payment by GNRC Ltd. Validity of membership: One year from the date of subscription. The membership is valid only for the enlisted services Transferability of membership: The membership cannot under any circumstance be transferred to any other member or any personnel. The benefits under GNRC assure are also not transferable and GNRC assure cannot be used by any person other than the enrolled member Cancellation or withdrawal and loss of membership identity card: Members may withdraw only on the anniversary of their enrolment i.e. after 1 year of date of enrolment No refund of membership fee is allowed in case of withdrawals in the interim period

In case of loss of Membership identity card, a duplicate membership identity card may be issued at the nominal charge of Rs. 250/The tenure of the membership will remain as specified in the initial membership card The term "discounted rates" means a service that is available to a member at a lower cost from fees normally charged by the provider Discounts offered will not be available on any existing package. Member may choose to avail facility under GNRC assure or the existing packages The benefits provided through GNRC assure are not applicable if a member is claiming insurance benefits on the hospitalisation/medical services provided at GNRC All payments to providers are due and payable at the time of availing of service. In order to access discounted rate services, the member must present his/her membership ID card and any other applicable vouchers to the provider's office at the time of his/her appointment Members must pay the healthcare service provider directly at the time of service unless otherwise agreed upon between the service provider and the member GNRC and the empanelled healthcare service providers who are part of the Health Plan network reserve the right to revise their charges at any time Medical Practitioners empanelled with GNRC may change from time to time, so it is advisable that you call the GNRC Helpline and confirm whether a particular medical practitioner continues to be part of the network There is no limit on usage of pathology, radiology, cardiology tests, drugs and medicines and hospitalisation within the validity period of the scheme It may not be necessary that all services, tests, medical fields, doctor types are covered by the GNRC assure GNRC assure is not a health insurance policy Services availed from empanelled providers: The empanelled providers are independent contractors in private practice and are neither employees nor agents of GNRC Services and discounts offered by empanelled members may differ from services and discounts offered by GNRC Hospitals Member should clarify all rates and fees before going forward for any consultation or procedure with the empanelled healthcare providers and should also clarify the discounted rates in advance (and all other details about the treatment or check up or test) and be satisfied about the same before starting the procedure

GNRC will not be responsible for any dispute on the same (related to rates and discounted rates once the treatment has started & costs have been incurred) The empanelled healthcare service provider shall offer the discounted rates on treatments and procedures available only within the empanelled institution and not for any further treatment, check or service required elsewhere The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change without notice Choice of the service provider is finally the responsibility of the member and is not based on any representations or recommendations by GNRC