Chaithanya SHG Health Scheme

Particulars and Mode of Implementation of Chaitanya SHG Health Scheme Policy

Objectives:

Protection against emergency hospitalization expenses for the policyholders under Chaitanya SHG Health Scheme.
Contact with local hospitals providing good service.
Hospital facility at concessional rate.
Loan facilities through Navodaya Self-Help Group to meet additional hospitalization expenses.

Chaithanya SHG Health Scheme Period:
The policy will be in force for a period of one year from the date of payment of the premium.

Renewal of Health Scheme:

The Scheme has to be renewed within the stipulated date.

Particulars of the Scheme:

An individual will benefit from accident Health facility and can claim hospitalization expenses if he pays Rs 300.00 in 52 weeks at the rate of Rs 5.76 per week.
A maximum of Rs 10,000 will be provided under the scheme for in-patient treatment in a hospital.
In case a Scheme holder desires, his/her family members can avail Health cover in a simple and speedy manner in accordance to their numbers as per the below given table.

No.	Number of Healthholder	Medical Health	Accident Health	Total	Amount payable under Medical Scheme	Amount payable under Accident Scheme
1.	In case of a single individual	250	50	300	10000	100000
2.	In case of 2 family members	200	-	500	6000	-
3.	In case of 3 family members	200	-	700	6000	-
4.	In case of 4 family members	200	-	900	6000	-
5.	In case of 5 family members	200	-	1100	6000	-
6.	In case of six family members	200	-	1300	6000	-

(Family members means husband: wife: their dependent two children and their father: mother)

Medical expenditure (Terms of Chaithanya Policy)

If a Chaithanya SHG Health Scheme holder is hospitalized owing to ill-health or an accident, then his medical expenses upto Rs10000 will be reimbursed.
In case the family is insured (more than one), the total medical expenses that reimbursed would be according to the number of family members. But, a maximum medical expense of Rs 5000 would be reimbursed per member.
Under this scheme, members can avail upto Rs 10,000 towards hospital expenses for maternity cases. Medical expenses towards two deliveries of a scheme, who has renewed the policy, will be reimbursed under this policy.
Individuals in the age group of 5 to 70 can be covered under this policy.
A total of six members including husband/wife of member, their dependent mother/father, can be covered under the scheme.
The scheme holders should avail treatment only in recognized nursing homes and hospitals and the hospitals must be under the supervision of a registered medical practitioner.

Accidental Death or Disability under (G.O.A) Regulations:

An compensation amount of Rs1.00.000 will be paid in case any dependent member of a family who is a member of the Navodaya Self-Help Group dies in an accident.
In case of permanent disability, the holder will get Rs 25000 and in case of partial disability, half the amount will be provided.
Health facility: Health claims in case of death or disability can be made only by members who are members of self-help group. The dependent beneficiaries can avail only the medical Health facility.

Documents to be produced while making claims

The claim form has to be submitted within 15 days of discharge from hospital.
Original copy of the medical treatment report.
Original copies of the receipts, bills and medical reports.
Discharge certificate from hospital.

In case of disability:

Bonafide letter from a government doctor.
First Information Report
Claim in the prescribed form.
Review Committee report.

In case of death:

Death certificate
First Information Report
Claim in the prescribed form.
Police FIR
Review committee report.

In case of death or disability, the sponsor Trust has to be intimated in writing within 30 days. The Health amount can be availed within two months of the incident.

Chaithanya SHG Claim Disbursement

Chaithanya SHG Claim Disbursement to Navodaya SHG Members .


ಮಂಗಳೂರು ತಾಲೂಕಿನ ಸದಸ್ಯರಿಗೆ ಚೈತನ್ಯ ಕ್ಲೈಮ್ ಚೆಕ್ ವಿತರಿಸುವುದು.	ಬಂಟ್ವಾಳ ತಾಲೂಕಿನ ನವೋದಯ ಗುಂಪಿನ ಸದಸ್ಯರಿಗೆ ಚ್ಯೆತನ್ಯ ಕ್ಲೈಮ್ ಚೆಕ್ ನೀಡುವುದು.

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