Author: parastar

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What is proximate cause in insurance? (With Examples)

What are Consequential Damages in Insurance (With Examples)

Post author By parastar
Post date October 20, 2022

What are Consequential Damages in Insurance? (With Examples)

There are 6 types of damages in insurance, they are incidental, compensatory, nominal, liquidated, punitive, and consequential damages. Today, we will discuss about the meaning of consequential damages in insurance and its examples.

What are Consequential Damages in Insurance?

A consequential loss or damage is a collateral damage occurring due to loss or damage to the insured object. Here, even though the insured object is covered, the policyholder will not be protected against the collateral damage as the insurance company did not provide coverage towards any collateral damage.

This concept can be slightly confusing but we will attempt to explain to you using simple examples so you understand the concept of consequential loss or damages.

Examples of consequential damages

Example of consequential damages in motor insurance

Let us assume that Mr. Sam bought a bike insurance policy for his motorbike. Now, Mr. Sam parked his bike in a no parking zone, causing it to be towed by the authorities. During the towing process, the tow truck driver was not careful while driving and caused damages to Mr. Sam’s bike.

Now, even though Mr. Sam has a bike insurance policy that covers physical damages, he will not be covered by the insurance company as Mr. Sam parked in a no parking zone. It will be deemed as a consequential loss to Mr. Sam.

Example of consequential damages in travel insurance

Let us assume that Mr. Ricky is a businessman and travels often to other parts of the world for business deals. Mr. Ricky is a smart individual and always opts for travel insurance.

Let us further assume that one of Mr. Ricky’s flights got cancelled due to whatsoever reason, causing him financial loss due to him missing a business opportunity. Now, the insurance company will compensate Mr. Ricky for his air ticket cost, but it will not compensate him for the loss caused due to his missed business opportunity as it was consequential loss.

Example of consequential damages in property insurance

Let us assume that Mr. Jagmohan is a businessman having a factory. He has insured his factory against damages caused due to fire. Now, a few months after he bought his insurance policy, his factory met with a fire, causing the total loss of all of his machinery and inventory.

As his factory was covered against damages due to fire, Mr. Jagmohan will be compensated for the loss of his machinery and inventory. However, the collateral damage of this event will have fare reaching consequences, as Mr. Jagmohan will have to keep his factory closed for many months, halting production and thereby resulting in financial loss to his business. This consequential loss will not be covered by the insurance company.

Principle of Indemnity

Principle of Contribution

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Medvantage Insurance TPA (Services, Customer Care, E-Card and more)

Heritage Health Insurance TPA (Services, Customer Care, and more)

Post author By parastar
Post date October 18, 2022

Learn about Heritage Health Insurance TPA

Heritage Health Insurance TPA is an Indian TPA company that was founded in 1998 and is currently headed by CEO, Mr. Sunil Parakh. The company currently has over 19 offices across the nation. Heritage TPA is part of The S K Bajoria Group of companies.

Let us talk about the most important aspects of Heritage TPA, such as:

Role of Heritage TPA
Login and Registration
Claim Submission
Empaneled Hospitals
Customer Care
Health E-Card
Download Forms

Role of Heritage TPA

As a TPA company, Heritage TPA acts as a bridge between the insurance company and policyholders. The company’s primary role includes the following:

Providing customer support to policyholders during hospitalizations.
Assisting customers during the enrolment and on boarding process.
Issuance of health cards to policyholders.
Claims management services.

Login and Registration

How can you Register / login to the official Heritage TPA website? Here’s how:

Step 1) Visit the official website

Step 2) Navigate to the Login / Registration section

Step 3) Enter your details and login or register

Claim Submission

You can also submit your claims to Heritage TPA through their online portal. Here’s how:

Step 1) Visit the official website

Step 2) Navigate to the ‘Claim Submission’ button

Step 3) Enter your details

Here, you will need to mention the following details:

Claim type
Insurance company name
Email ID
Mobile number
CCN / Card No

You will also need to upload all of the relevant medical documents to the portal.

Empaneled Hospitals

It is extremely important that you find out whether a hospital is a network or empaneled hospital before you decide on getting admitted to the hospital. The reason for this is rather straight forward, cashless claims will only be provided in hospitals that are empaneled with the insurance company. Always be sure to check out if your preferred hospital is a network hospital.

You can check out if your hospital is an empaneled hospital in 3 simple steps:

Step 1) Visit the official Heritage TPA website

Step 2) Navigate to the ‘Hospitals’ section

Once here, click on ‘Empaneled Hospitals’

Step 3) Fill up the details

Now, you will need to select your state, city, and insurance company. Once done, you will get a list of all the network hospitals associated with your insurance company.

Customer Care

City	Phone Number	Email ID
Kolkata	(033) 2248 2411 (033) 4014 5100 / 4033 4141 (033) 4014 5200 (033) 4033 4141	heritage_health@bajoria.in
Mumbai	(022) 61273891/3892/3893 (022) 69062500	heritagehealth@vsnl.net
Hyderabad	(040) 2324 4264	heritagehyd@bajoria.in
Vizag	(0891) 2713917	hhsplvizag@bajoria.in
Chennai	(044) 4260 4135/ 2829 0400 /10/30	hhsplchennai@bajoria.in
Delhi	(011) 4300 9540/41/42/43/44	hhspldelhi@bajoria.in
Surat	(0261) 400 0046/403 1544-46	hhsplsurat@bajoria.in
Ahmedabad	(079) 4027 2801-04	heritageahmd@bajoria.in
Bangalore	080-26423736, 080-26423746	hhtplbangalore@bajoria.in
Uttar Pradesh (UP)	(0522)424-8870	suhasismaity@bajoria.in
Pune	08421787005	hhtplpune@bajoria.in
Jaipur	0141-294 4765	hhtpljaipur@bajoria.in

Health E-Card

How can you download The Heritage TPA Health Card? Here’s how:

Step 1) Visit the official website

Step 2) Click on ‘E-Card Download’

Step 3) Enter your details

Here, you will need to enter the following details:

Insurance company name
Your name
Policy year
Emp ID

Once entered, click on ‘Submit.’

Download Forms

You can download the required forms by doing the following:

Step 1) Visit the official website and navigate to the ‘Download Forms’ section

Step 2) Select the form and download

Available forms include:

Claim Forms (Cashless and Reimbursement)
PPN Declaration Forms
Pre Authorization Form

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Medvantage Insurance TPA (Services, Customer Care, E-Card and more)

Medi Assist TPA (Complete Details)

Post author By parastar
Post date October 18, 2022

Learn about Medi Assist TPA (Complete Details)

Medi Assist TPA acts as a Third-Party Administrator between insurance companies and policyholders. A TPA basically acts as a link between the insurance policyholder and the insurance company. Medi Assist TPA was founded in 2000 by Mr. NS Raghavan.
The company currently has around 3000 employees, has a presence in over 45 cities in India, and has its registered office in Bengaluru, India.

Let us now talk about some of the most important points about Medi Assist TPA, they are:

Products and services
Customer support
Submission of claims
Download E-Card
Claim intimation
Medi Assist TPA Hospital list
Company management
Notable accomplishments

Products and services

Services

The company provides the following services:

Enrolment and on boarding: Medi Assist TPA’s marketing and on boarding team looks after customer acquisition and enrolment. They guide potential customers about the types and kinds of insurance policies available, and the most suitable policy for their needs and requirements.
Providing customer support: Providing customer support is one of the most important function of any TPA company. It is the TPA company’s duty to ensure that all customer queries, questions and grievances are catered to and the best possible support is extended to the policyholder.
Management of claims: During a claim, the claimant will submit the claim to his/her TPA company and the TPA company will look after the claim management process thereafter. They will act as a link between the policyholder and the insurance company. It is the role of the TPA company and the agent to smoothen things out for the policyholder.

Products

The company provides the following products to its customers:

Member platform: The member platform provides policyholders with all of the important details pertaining to their insurance policy. Once logged in, all important insurance related reports can be accessed and downloaded.
Outpatient platform: The Outpatient platform can be used by policyholders to get access to important outpatient related details.
Claims management platform: Policyholder claims can be accessed and managed through this platform.

Their customers can leverage these technologies in order to get better results for themselves and their families.

Notable accomplishments

Details	Stats
Claims settled	60 Lacs+
Active members	4.5 Cr+
Offices	27
Insurance partners	30

Customer support

Department	Phone Number
Helpline	080 22069449
Helpline	1800 425 9449
Senior Citizen Helpline	1800 419 9493
Email	info@mediassist.in
SMS Facility (to know claim status)	SMS “CLAIMS ” to +91 96631 49992

Submission of claims

You can submit your claim to Medi Assist TPA using the following method:

Step 1) Visit the official Medi Assist TPA website

Step 2) Navigate to the ‘Intimate Claim’ section at the bottom of the website

Step 3) Enter your details

Here, you will need to enter either your Medi Assist ID / Employee ID / Policy No. Once entered, click on ‘Identify.’
Follow the next guided steps and submit your claim online.

Download E-Card

This is how you can download your Medi Assist TPA E-Card:

Step 1) Visit the official Medi Assist TPA website

Step 2) Navigate to the ‘Download eCard’ section at the bottom of the website

Step 3) Enter your details

Here, you will need to enter either your Medi Assist ID / Employee ID / Policy No. Once entered, click on ‘Identify.’

Medi Assist TPA Hospital list

Check out all of the affiliated hospitals here.

You will simply need to enter your city location and insurance company and the system will show you a list of all empaneled hospitals within your city.

Company management

Name	Contact Details
Dr. Vikram Jit Singh Chhatwal (Director)	https://www.linkedin.com/in/dr-vikram-chhatwal-विक्रम-छतवाल-30372082/
Srimathy Ranganathan (Director)	https://www.linkedin.com/in/srimathy-ranganathan-406b70156/?originalSubdomain=in
Satish Gidugu (CEO)	https://www.linkedin.com/in/satishgidugu/

Source: Medi Assit TPA

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Medvantage Insurance TPA (Services, Customer Care, E-Card and more)

Post author By parastar
Post date October 16, 2022

Learn about Medvantage Insurance TPA (A Simple Guide)

Medvantage Insurance TPA is a third-party administrator that has ties with health insurance companies, and helps in providing health insurance related services to policyholders. Medvantage Insurance Tpa was founded in 2001 and currently has 8 offices across India, including offices in Mumbai, Hyderabad, Pune, Kolkata, and Bangalore. The company’s registered office is in Airoli, Navi Mumbai.

Let us talk about the most important topics concerning Medvantage, such as:

Services
Medvantage Insurance Login
How to download Medvantage E-Card
Customer Care
Empanelled Hospital List
Company Management

Services

Enrolment: Potential policyholders are brought aboard rather seamlessly through their online enrolment process, where customers can understand the different types of policies, their benefits and features.
Customer Support: This is the fundamental service offered by any TPA company, they support the policyholder during their time of need. They assist the policyholder and their family during the difficult time of hospitalization as well as post and pre-hospitalization customer support.
Claims Management: Medvantage TPA handles claims management where they vet the claim application and investigate the case. If all things are in alignment, they will then begin the claim disbursement process.
Account Management: All your communication with the TPA company is handled through experienced account managers that ensure that there isn’t a communication gap during correspondence.

Medvantage Insurance Login

You can login to your Medvantage TPA account by visiting the following link.
Once on the login page, you will need to enter your Email ID/ Mobile Number/ User ID and your password. Once entered, click on ‘Login.’

What are the benefits of logging in? Well, you can submit your insurance claim online, and you can even track your claim status online after logging in.

How to download Medvantage E-Card

You will need to download your Medvantage E-Card in order to access cashless treatment at affiliated hospitals. How can you download the E-Card?

Step 1) Visit the official website

Official website: https://medvantagetpa.com/

Step 2) Navigate to ‘Download E-Card’

Step 3) Enter your details

Now, you can download your E-Card by either entering your registered phone number or your registered Email ID. You will need to enter the following details:

Registered phone number/ Email ID
OTP number
Captcha details
Once entered, click on ‘Verify’

Customer Care

You can contact Medvantage TPA in multiple ways, let’s mention them below:

Email

Department	Contact Details
Customer Service	customerservice@medvantagetpa.com
Grievances	Grievances
General Enquiry	contactus@medvantagetpa.com

Phone Numbers

Department	Contact Details
Customer Service	1800-209-8884
Cashless Department	1800-209-8444
Senior Citizens Helpline	(022)4933-7781

You can also contact Medvantage through their online contact form. Just mention your name, email ID, query, phone number, and click on ‘Submit.’

Empanelled Hospital List

It is extremely important to find out if your desired hospital is empaneled with your insurance company, as you will only be able to take advantage of cashless hospitalizations in empaneled hospitals. You can find a list of all of the empaneled hospitals with Medvantage here.

Once on this page, you will need to enter the following details:

Name of your insurance company
City
Hospital name
Pin code
Captcha

Now, press on ‘Search.’ You will now get a list of all of the network hospitals in your area.

Company management

Name	Contact Details
Nimish R Parekh (Chairman)	https://sg.linkedin.com/in/nimishparekh
Prashant Nagarkar (Vice President)	https://in.linkedin.com/in/prashant-nagarkar-618ba612
Sanjay Kotkar (Claims Manager)	https://in.linkedin.com/in/sanjay-kotkar-897132217

What is TPA in insurance? (Understand its concept and role)

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Dr YSR Aarogyasri Scheme (A Complete Guide)

Post author By parastar
Post date October 15, 2022

Dr YSR Aarogyasri Scheme (A Complete Guide)

This article will explain the most important aspects of The Dr YSR Aarogyasri Scheme. This Scheme was introduced by The State Government of Andhra Pradesh in 2007, with the aim to provide quality health care services to the economically challenged people in Andhra Pradesh.

We will touch upon all of the most important aspects of these scheme, such as:

What is Dr YSR Aarogyasri Scheme?
What is Dr YSR Aarogyasri Health Care Trust?
Benefits and features of the scheme
Scheme coverage (Inclusions and Exclusions)
How to apply for The Aarogyasri Scheme?
How to login to your Aarogyasri Account?
Dr YSR Aarogyasri Health card
Aarogyasri Mobile App
Scheme Management

What is Dr YSR Aarogyasri Scheme?

As mentioned above, this state government initiative was launched in 2007 with the aim to provide quality health care services to the economically backward people of Andhra Pradesh. This scheme is a completely financed state government social health initiative which is managed by The Dr YSR Aarogyasri Health Care Trust. This trust handles all activities regarding the scheme.

This scheme is only available to the economically challenged people of Andhra Pradesh, no other people are eligible towards this scheme.

What is Dr YSR Aarogyasri Health Care Trust?

The Dr YSR Aarogyasri Health Care Trust manages all of the operations of The Dr YSR Aarogyasri Scheme. It manages the following activities:

Issuance of Aarogyasri Health Card
Checking eligibility of applicants
Disbursing payment to applicants
Accepting or declining claim requests

Benefits and features of the scheme

Let us now look at some of the most important benefits of The Dr YSR Aarogyasri Health Care Scheme:

Under this scheme, eligible people are provided health insurance coverage up to Rs.5 Lakhs / year.
Cashless hospitalization is also provided under this scheme. Cashless hospitalization basically means that the Trust will directly disburse the payment to the hospital, the patient will not need to make any out of pocket expenses.
This scheme also provides coverage for consultation and OPD.
One of the most important features of this scheme is that it provides coverage for pre-existing conditions and diseases. This means that if the scheme beneficiary is already suffering from any pre-existing condition, he/she will still be covered under this scheme.
Post hospitalization treatment is also covered under this scheme (up to certain limits.)
Family floater option is also available under this scheme.

Scheme coverage (Inclusions and Exclusions)

This scheme covers a total of 2434 diseases and disorders. Mentioned within are some of the notable inclusions and exclusions of the scheme.

Inclusions	Exclusions
General Surgery	Tuberculosis
Ophthalmology	HIV/AIDS
Septorhinoplasty	Infectious diseases
ENT Surgery	Leprosy & Filaria
Surgical Gastroenterology	Malaria
Paediatric Surgeries	Gastroenteritis
Neurosurgery	Knee replacement surgeries
Surgical Oncology	Gamma-knife procedures in neurosurgery
Plastic Surgery	Jaundice
Glaucoma Surgery	Cardiac and liver transplant
Cardiology	Bone marrow treatment
Nephrology
Pulmonology
Dermatology
Rheumatology
Psychiatry
Myringoplasty
Open radical Prostatectomy
The neck of bladder reconstruction for incontinence
Lumbar hernia repair in a pediatric patient
Polytrauma
Prostheses
Genitourinary surgeries

If you want to find out all of the diseases covered under this scheme, you can check it out here.
Further, there is another list of additional diseases covered which can be accessed here.

Empaneled hospitals of The Aarogyasri Scheme

Here are the notable hospitals affiliated with the scheme:

Hospital Name	City
Sunshine Heart Institute	Hyderabad
Olive Hospital	Hyderabad
Yashoda Hospital	Hyderabad
Sentini Hospital	Vijayawada
Care Hospital	Vizag
Sevenhills Hospital	Vizag
Lotus Childrens Hospital	Hyderabad

Get a complete list of all empaneled hospitals here.

How to apply for The Aarogyasri Scheme?

Applicants can apply for the scheme in two ways, either online or offline. Let us discuss about both the online and the offline method below:

Online method

Step 1) Visit the official website of the scheme

You can access the official website from here: https://navasakam2.apcfss.in

Step 2) Register on the website then login

Step 3) Enter your login details

Step 4) Fill-up the Aarogyasri application form

Step 5) Upload all requested documents along with the fill-up form

Step 6) Check application status

Offline method

Step 1) Visit the official website of the scheme

You can access the official website from here: https://navasakam2.apcfss.in

Step 2) Click on the ‘Downloads’ button on the top bar

Step 3) Select ‘YSR Aarogyasri Health Card Performa’

Download Performa

Step 4) Download the form

Step 5) Fill-up the form and attach the requested supporting documents

Step 6) Submit the fill-up form along with all documents to the Aarogyasri Health Care Trust Office

How to login to your Aarogyasri Account?

Step 1) Visit the official website

Official website: https://navasakam2.apcfss.in

Step 2) Navigate to the ‘Login’ button

Step 3) Fill-up the details and login

Dr YSR Aarogyasri Health card

Step 1) Visit the official website

Official website: https://www.ysraarogyasri.ap.gov.in/

Step 2) Click on ‘EHS’

Step 3) Click on ‘Download Health Card’

Step 4) Enter your user ID

Aarogyasri Mobile App

The scheme benefits and features can also be accessed through the official scheme app. The app is currently only available on the Google Play Store. You can access it from here.

Scheme Management

You can find out the name of the management employees, their designation, and their contact numbers here.

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Frequently asked questions

2007

Yes, this scheme is completely sponsored by The State Government of Andhra Pradesh.

Awaz Health Insurance Scheme (Enrollment, Benefits and Features)

Swasthya Sathi Scheme of West Bengal (A Complete Guide)

Post author By parastar
Post date October 13, 2022

Swasthya Sathi Scheme of West Bengal (A Complete Guide)

Launched in 2016, The Swasthya Sathi Scheme is a health insurance scheme introduced in West Bengal, under the governance of Mamata Banerjee. This scheme is one of largest health schemes in India with over 2.4 crore+ families covered.

In addition to this, there have been over 39.5 Lakhs + hospitalizations (as of 2022) which are covered under this scheme. Lastly, this scheme has a very high claim settlement ratio of 95.1%. Let us understand the most important aspects of this scheme, such as:

What is The Swasthya Sathi health Scheme?
What are the features and benefits of Swasthya Sathi?
How to login to your Swasthya Sathi account?
What is Swasthya Sathi Card and how to get it?
How to check your Swasthya Sathi Card status?
How to check your claim status?
The Swasthya Sathi App
Swasthya Sathi Package list
Swasthya Sathi find your name
Contact details and helpline numbers
Hospital list

What is The Swasthya Sathi health Scheme?

Swasthya Sathi is a universal health care scheme launched by the Government of West Bengal. Under this scheme, all permanently residing families of West Bengal are eligible to enroll under the scheme. This scheme provides health coverage of up to Rs.5 Lakhs / family per year. That being said, individuals who are covered under any other state sponsored health care scheme cannot enroll under this scheme.

What are the features and benefits of Swasthya Sathi?

Under this scheme, beneficiaries will receive a health care coverage of Rs.5 Lakhs/family per year.
All pre-existing diseases and disorders will be covered under this scheme.
Cashless hospitalization feature is available under this scheme.
This scheme is completely financed by The State Government of West Bengal. The beneficiary is not required to pay charges.
Pre hospitalization and post-hospitalization expenses are covered (up to a certain limit.)
Reimbursement claims are disbursed to the policyholder within 30 days.
There is a special 24×7 call center that is always at hand for providing assistance to claim beneficiaries.
Beneficiaries can also submit their complaints, queries, or questions to the online portal of the scheme and expect a prompt reply.

How to login to your Swasthya Sathi account?

You can login to your Swasthya Sathi account by following the steps below:

Step 1) Visit the official Swasthy Sathi website

https://swasthyasathi.gov.in/

Step 2) Click on the ‘Login’ button on the top right hand side

Step 2) Enter your username and password and click on ‘Submit’

What is Swasthya Sathi Card and how to get it?

All of the scheme benefits can only be accessed if you have a Swasthya Sathi Card. Therefor it is extremely important that you know how to get this card. We will show you how you can get the card in the following simple steps:

Offline method

Step 1) Download the Swasthya Sathi application form

apply online button — Apply online button

Hover over the ‘Apply Online’ tab on the top of the website and navigate to the Download Application Form’ section.

Step 2) Download the relevant form, take a print and fill-it

Step 3) Submit to your nearest scheme affiliated medical center

You will have to submit your form along with the request documents like Aadhar Card, BPL Certificate, Domicile Certificate, etc. Once the submission is done, your card will be disbursed to you within 7 days.

Online Method

You can also apply for the card via the online method. Let us understand how:

Step 1) Visit the official scheme website and navigate to the ‘Apply Online’ section

Step 2) Click on ‘Online Application for Swasthya Sathi Card’

Step 3) Enter your mobile number and OTP

Once entered, click on ‘Submit.’ You will now be redirected to the online page where you can apply for the Swasthya Sathi Card.

How to check your Swasthya Sathi Card status?

You can check the status of your card in the following steps:

Step 1) Visit the official website

Step 2) Click on ‘Find Your Name’

find your name button — Find Your Name Button

Step 3) Enter your registered mobile number and click on ‘Submit’

Your status will reflect on the next page.

How to check your claim status?

You can check your claim status by logging into your Swasthya Sathi account on the official scheme portal.

The Swasthya Sathi App

You can also avail the benefits and features of this scheme through the official Swasthya Sathi App, which is available on the Android Play Store. The app is currently not available on the Apple App Store.

Swasthya Sathi Package list

You can access the complete Swasthya Sathi Package list here. Here, you can check out all of the medical conditions, disease, and disorders covered under the scheme, and the maximum amount covered per disease. You will simply have to select the Grade of the procedure and click on ‘Show Data.’

All of the covered procedures and their maximum coverage amount will be visible on the next page.

Swasthya Sathi find your name

What if you want to check the status of your Swasthya Sathi application? You can do so by visiting the Swasthya Sathi find your name page. You can access this page from the homepage.

Click on ‘Find Your Name’ from the top bar of the home page.

Once on the page, enter your registered mobile number and click on ‘Submit.’

Contact details and helpline numbers

Helpline Number

18003455384 (Toll-Free)

You can also access the entire contact details of the entire Swasthya Sathi team here. You can easily contact the relevant person or the department easily through the contact details mentioned there.

Swasthya Sathi Hospital List

You can find out all of the empaneled hospitals under the scheme by navigating to the ‘Hospital Information’ tab and clicking on ‘Active Hospital List.’
Once on this page, enter the following details:

State
District
Hospital Type
Hospital Grade

Now press ‘Submit’ and get a list of all the network hospitals for that area.

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Frequently asked questions

The beneficiary will be eligible to get covered only if he/she receives treatment in an empaneled hospital.

Grade A
Grade B
Grade C
Grade R

2016

Yes, this scheme is completely sponsored by The State Government of West Bengal.

https://swasthyasathi.gov.in/

They are covered if the consultation leads to hospitalization.

Yes, up to specified limits.

Paramount TPA (Claim Status, Customer Care, Hospital List, and more)

Post author By parastar
Post date October 12, 2022

Learn about Paramount TPA (Simple Guide)

Paramount Health Services & Insurance TPA Pvt. Ltd. (PHS) is a Third-Party Administrator that currently operates in over 160+ locations across India. Paramount TPA was founded in 1996 and is a notable player in the Indian Health Insurance sector, and is one of the largest TPA providers in India.

Paramount TPA was founded by Dr. Nayan Shah, and he currently serves as the company’s Managing Director. The company provides the following services:

Health insurance claim management
Customer handling and support
Policyholder assistance
Health portfolio management
Handling of medical check ups

This article aims to provide a complete understanding of Paramount TPA and all of its benefits, features, services, and more. We will touch upon the following topics:

How to check your Paramount TPA claim status
How to download claim form
Paramount TPA customer care
Paramount TPA login
How to download E-card?
Paramount TPA hospital list
Paramount TPA management

How to check your Paramount TPA claim status

This is how you can check your claim status:

Step 1) Visit the official Paramount TPA website

Step 2) Navigate to the claim status page

Step 3) Enter your claim details

Once on this page, you will need to enter the following details:

Insurance company
Policy type
PHS ID
IPD/OPD

Once selected, click on ‘Submit.’ You will now be redirected to a page that will show your claim status.

How to download your claim form

You can download the claim form using these simple steps:

Step 1) Visit the official Paramount TPA website

You can access the website here.

Step 2) Navigate to the ‘Downloads’ section

The ‘Downloads’ section is on the top bar of the homepage. Hover over it and then click on ‘Download Forms.’

Step 3) Download Forms

Now, you will need to select the relevant claim form and download it to your PC or mobile phone.

Paramount TPA Customer Care

Contact	Phone Number
Landline	+91 22 666 20 808
WhatsApp	+91 91369 72004

Branch address and phone number

Location	Address	Phone Number	Email ID
Andheri (East) – Mumbai (Corporate Office)	401, Sumer Plaza, 4th Floor, Marol Maroshi Road, Andheri (E) 400 059.	+91 22 40004200
Thane (Head Office)	Plot No. A-442, Road No. 28, Ram Nagar, M.I.D.C. Industrial Area, Wagle Estate, Thane West Pin Code – 400604.	022-68342424	contact.phs@paramounttpa.com
Bangalore	Janardhana Towers, No. 133/2, 3rd floor Residency Road, Bangalore – 560025	080-41990100
Chennai	2nd Floor, “Ampa Manor”, No. 107/3, Nelson Manickam Road, Aminjikarai, Chennai – 600 029. (Landmark – Opposite to MGM Healthcare)	(044)- 43435959 / 43435933 / 43435944
Delhi	Building No. D-39, Okhla Industrial Area, Phase-I, New Delhi – 110 020.	41637594 / 95 / 96
Kolkata	ICMARD Building, 4th Floor & 8th floor, Block 14/2, C.I.T. Scheme VIII (M) Ultadanga, Kolkata – 700 067.	(033)-23567005 / 23567008 / 9836561300 / 9331457647
Ahmedabad	Office No. 304,Meera Manan Arcade, Near Krupa Petrol Pump, Parimal Cross Road, Ellisbridge, Ahmedabad-380006.	(079)-40399287/40399288 Fax No:(079)-26401545
Chandigarh	SCO-46, Cabin No.-106-107, First Floor, Sector -11,(Landmark Canon Plaza) Panchkula(Chandigarh).134109	9316111218
Hyderabad	No. 1-8-303/48/9, 1st Floor, Tirumala Chambers, PG Road, Behind Chutneys Restaurant, Begumpet, Hyderabad – 500 016	(040) – 66758271 / 66759271 Fax No:(040) – 66366271
Pune	Office no 403-404, Mayfair Tower I C.T.S. no 28, Wakadewadi Shivaji Nagar, Pune – 411005.	020-25541100 / 020- 25541111
Cochin	H No.Cc662946, Kanakathuparambu, Near Nariamparambil Court, Kacherippady, Kochi – 682018.	(0484) – 2393709/(0484)-2392610/(0484)-4011962

Get a complete list of all branches here.

Paramount TPA Login

You can login to your Paramount TPA account by visiting the link here.
You will need to enter the following details while logging in:

Username
Password
Group Code

Once entered, kindly click on ‘Log in.’

If you don’t have an account, you will have to register for an account first. Once have registered for an account, then you can login to your account using your credentials.

How to download E-card?

You can download your Paramount TPA E-card by visiting the link here.

Once, you are on this page, you will need to enter the following details:

Insurance company
PHS ID/Employee ID/Policy No
Once entered, please click on ‘Submit.’

Your E-card will be downloaded.

Paramount TPA Hospital List

You can check out all of the empaneled network hospitals of Paramount TPA here. You will simply need to enter your state, city, Insurance company. Once your details are entered, click on ‘Submit.’

Paramount TPA Management

Name	Designation	Contact Details
Dr. Nayan Shah	Founder and Managing Director	https://www.linkedin.com/in/nayan-shah-4655767/
Mr. Atman Shah	Vice President Operations & Customer Relations	https://www.linkedin.com/in/atmans/

What is TPA in insurance? (Understand its concept and role)

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Ex Servicemen Contributory Health Scheme (ECHS) – A Complete Guide

West Bengal Health Scheme (WBHS) – A Complete Guide

Post author By parastar
Post date October 11, 2022

West Bengal Health Scheme (WBHS) – A Complete Guide

The West Bengal Health Scheme (WBHS) is health scheme for State Government Employees in West Bengal. This scheme was introduced by The State Government of West Bengal in 2008, in association with the state’s finance department. WBHS provides cashless health coverage to eligible state government employees of West Bengal.

This is one of the most important social healthcare schemes in the state, and has proved to be beneficial to lacs of state government employees in West Bengal.

Let us now discuss about some of the most important aspects of this scheme and provide you with a complete and detailed overview of the scheme. Topics discussed below are:

Features and benefits of WBHS
Coverage under this scheme
How to register under WBHS?
How to apply for a claim under WBHS?
WBHS Eligibility criteria
WBHS Portal
How to login to WBHS
WBHS Hospital list
WBHS Rate Chart
WBHS Downloads
WBHS Online Claims
WBHS Contact Details

Features and benefits of WBHS

Mentioned below are some of the most important and notable benefits and features of The West Bengal Health Scheme (WBHS):

Cashless indoor treatment coverage up to Rs.1.5 Lakhs per beneficiary. If the treatment cost goes beyond Rs.1.5 Lakhs, reimbursement is subject to clauses mentioned within the scheme.
Option for OPD treatments and consultations are also available.
Surgical treatment is covered.
A total of 1014 different medical conditions are covered under WBHS.
Cashless treatment is provided, but the beneficiary will need to visit a network hospital in order to avail cashless coverage. Further, if a scheme beneficiary gets treatment in a non-network hospital, he/she will only be eligible to receive reimbursement up to a certain percentage of the treatment cost.

Notable statistics of this scheme

Some notable stats include (As of 2022):
888985 beneficiaries of these scheme
175 Private Hospitals Empaneled under this scheme
There are over 500+ treatments at any given time

Coverage under this scheme

A wide variety of diseases and disorders are covered under this scheme. Let us list some of the most common diseases covered under the scheme:

Neurology
Cardiology
Laparoscopic/Endoscopic operations
E.N.T
Ophthalmology
General Surgery
Nephrology
Vascular Surgery
Dental treatment
Burns
Respiratory disorders
Skin disorders
Obstetric disorders
Gynecology
Malaria
Tuberculosis
Crohn’s Disease
Rheumatoid Arthritis
Hepatitis
COPD (Chronic obstructive pulmonary disease)
Diabetes
Renal failure
Thalassemia
Animal bites
Accidents
LUPUS

You can get a complete list of all diseases covered here.

How to register under WBHS?

You can register under The WBHS Scheme in the following simple steps:

Step 1) Visit the official WBHS Website

Step 2) Hover over the ‘Online Enrolment’ tab and click on ‘Govt Employee’

Step 3) Enter your date of employment

Step 4) Enter your personal details and family details and proceed

Step 5) Upload the requested documents to the website

Step 6) Save all the details and take a print of the application form

Your registration is now complete.

How to apply for a claim under WBHS?

You can file a claim under WBHS using the below mentioned simple steps:

Step 1) First, you will need to show your WBHS Card to your hospital

Step 2) The hospital will verify your WBHS Card

Step 3) Upon completion of treatment, the government will disburse the treatment cost to the hospital

WBHS Eligibility Criteria

The below mentioned people are eligible for enrolling under WBHS:

Employees of The State Government of West Bengal, their families, pensioners and their families
All India Service Officers and pensioners
IPS, IAS, and IFS Officers
Beneficiaries who have opted for this scheme as medical allowance

WBHS Portal

This scheme scheme is tech-savy and a lot the scheme features and benefits can be handled through the online WBHS Portal. Further, all scheme related documents, forms, information, and additional features can be accessed through the portal. You can access the portal here.

How to login to WBHS

You will need to login to the WBHS Portal in order to access scheme related features like submitting a claim, uploading your documents, monitoring your claim status and more. Let us now find out how you can login to your account.

Step 1) Visit the official WBHS Portal

Step 2) Click on the green ‘Login’ button on the top right hand side

Step 3) Enter your User ID, Password, Captcha and press on OK

You will now be logged into your WBHS Account

WBHS Hospital list

All Government Hospitals, clinics, diagnostic centers that come under the management of The State Government of West Bengal are empaneled under this scheme.

There are also certain selected private hospitals that are empaneled under this scheme. You can find a list of all of the empaneled hospitals here.

Some notable hospitals empaneled with WBHS include:

Sr. No	Notable Hospitals Empanelled under WBHS
1	Ruby General Hospital
2	Desun Hospital and Heart Institute
3	Charnock Hospitals
4	ECO Hospital and Diagnostics
5	Nightingale Diagnostic and Medicare
6	Vivekananda Hospital
7	Sanjiban Hospital
8	Glocal Hospital
9	Dreamland Nursing Home
10	K.P.C Medical College and Hospital
11	Paramount Hospital
12	The Calcutta Medical Research Institute
13	Malda Nursing Home
14	Mission of Mercy Hospital
15	Citylife Hospital

WBHS rate chart

All procedures covered have a maximum rate chart that they need to adhere to. You can access the entire rate chart of all procedures and surgeries, and their associated maximum coverage rate here.

WBHS Downloads

You can download all necessary forms from here.

Downloadable forms include the following:

Application form
Claim submission form
E-payment mandate form
Rate chart
Claim reimbursement form

WBHS Online Claims

You can initiate an online claim through the WBHS Online Claim page. But first, you will need to login to your WBHS Account.

WBHS Contact Details

Department	Contact Details
Technical Helpline	support.hshed-wb@nic.in, 18001028014
Government Offices	wbhsgovt.officeassist@gmail.com
All Hospitals	wbhshospitalassist@gmail.com

Officials	Contact Details
Mr. Aloke Kumar Mukherjee (WBA & AS Joint Secretary)	033-2254-4197, js1med.fd-wb@gov.in
Mr. Swayambhu Dey (Accounts Officer and Ex-Officio Assistant Secretary)	033-2254-4730, 033-2254-4730
Mr. Manikratan Dey (OSD & EO Joint Secretary)	033-2254-5049, dsmed.fd-wb@gov.in

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Frequently asked questions

The full form of WBHS is West Bengal Health Scheme.

2008

Mamata Banerjee

Yes, it is solely available to state government employees in Bengal.

https://wbhealthscheme.gov.in/