Insurance cover for Planned Admissions:
In case of a planned admission, to avail insurance coverage from your
international insurance company, the following steps can be followed.
1. Check with our Dept of International Patients Services if
your insurance
provider is recognized by our associated hospital for
insurance covered
treatment. You can contact the international patient services
at
mktg@mediescapes.com or + 91-11-280 35368.
2. If your company is listed you may contact them directly from
your home
country and seek an issue of GoP (Guarantee of Payment) by
fax to our
International Patients Service office.
3. Once our International Patients office confirms the receipt
of GoP from your
insurance provider you can avail insurance covered treatment
at our
hospital.
4. In cases where the International Patients Office contacts
your insurance
company (provided they are in our panel) for GoP on your
behalf, your claim
to avail insurance covered treatment will depend upon your
insurance
company’s response and the hospital will not be responsible
for any delay on
their part. We will not entertain any GoP after discharge and
in case of
delayed response from Insurance Company you are required to
make
appropriate deposit to the hospital and if the delay extends
to your discharge
date you will need to make full payment to the hospital. The
hospital will issue
a refund of your deposit subject to receipt of GoP from your
insurance
company. In cases where the GoP is delayed or not received at
the hospital
you can claim a refund directly from your insurance provider,
however
refund will be subject to their discretion.
5. Any hospital charges not covered by your insurance provider
must be paid
to the hospital.
Insurance cover for unplanned Admissions:
1. This happens mostly in a medical emergency. Most of the
international
insurance companies provide an option for contact in case of
medical
emergency. Please note that an emergency contact details by
any
international insurance company does not entail an insurance
covered
treatment at our associated hospital and it is strictly based
on our
arrangement with your insurance provider. However you will be
provided all
required medical care at our associated hospital and you can
continue your
treatment after paying the required deposit to the hospital.
Your Medical Insurance and opt - in Medical
Treatment in India.
People who travel across borders for surgery
must be protected from negligence or malpractice or false advertising
which concerns brokers and insurance agents both. So far, the industry
of facilitating patients to other hospitals around the world, without
giving medical advice, isn’t still very regulated at this
time. This issue will probably be addressed in a near future.
There are large regulatory issues involved. Part of the problem
is the unwillingness of health insurance companies (and politicians)
to take it seriously. Legal issues abound: what happens if there
are complications, what happens with extended stays in the hospitals,
what happens if you die? If something goes wrong, can you sue? Many
countries don’t have the protective legal systems westerners
are used to yet. There is no international regulation concerning
this area of international trade. What is the legal status is, we
don’t really know?.
Complications do arise in any potential operation that is undertaken.
You can’t guarantee that health care and the sequels to operations
are always going to run smoothly, there will always be issues about
problems that arise. And how one deals with those on a patient who,
let’s say, has made a contract with a company or a broker
in New Delhi to travel to Mumbai (all these cities are in India)
for surgery, or to travel within India for recuperative holiday
and such like, and something goes wrong in the operation itself?
Trying to resolve these legal issues really is going to become a
quite fundamental issue over the next 10 or 15 years.
And of course it’s going to differ from jurisdiction to jurisdiction.
It may even differ from where the patient comes from. You can have
a hip replacement in Bangalore, or heart surgery in Mumbai, or dental
work in New Delhi (all these cities are in India), but you may find
it hard to get insurance, or a legal comeback.
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