Terms & Conditions

CARD MEMBERS’ AGREEMENT

Detailed Terms & Conditions for Indian Health Organisation (IHO) Health Saver Card:

The Terms & Conditions of the Health Saver Card, the medical practitioners/ service providers empanelled with Indian Health Organisation Pvt Ltd (hereinafter referred to as ‘IHO’) & the offers made on the Health Saver Card may periodically change. We hence request you to check for these changes on the website & by calling us on our help line numbers on a regular basis. An IHO Member (hereinafter referred to as ‘Member’) is defined as an individual who has a valid and current Health Saver Card issued by Indian Health Organisation Pvt Ltd.
Usage of the Health Saver Card by the Member implies that the Member agrees to the following terms and conditions of Service, Refund, Cancellation & other terms as incorporated herein and understands that these terms govern the use of IHO’s Health Saver Card. All Members are understood to have read (on their own behalf and on behalf of their dependents/family/other members) the following terms and conditions and agree to abide by these Terms of Use. Indian Health Organisation reserves the right to modify, alter or otherwise update these Terms at any time and all Members agree to be bound by such modifications and/ or updates.

IHO is a facilitator in providing access to quality healthcare services and in helping people save on their health care costs. IHO does not recommend or suggest any particular medical provider or promote any particular medical provider's name or practice. It is at the sole discretion of the IHO member to choose and access any of the available empanelled medical providers. All doctors, dentists, laboratories, others are welcome to participate in this social cause and partner with IHO to make a lasting impact on the health of the common man. All medical providers empanelled with the IHO network have agreed to participate in this for a social cause. Any medical provider found to be doing this for commercial reasons may be reported to IHO, and he/she will be de-empanelled, if the information is found to be true. IHO does not have any commercial arrangement with its empanelled medical providers. IHO may offer these facilitation services to the general public, corporate organisations and others by charging some facilitation fees, free or at subsidised rates. IHO offerings are not insurance and do not involve any reimbursement back to any Member, for any of its services.

The Health Saver card provides the Member access to a network of voluntarily participating medical professional / dentists/pharmacies/ hospitals & other medical practitioners / vendors (hereinafter referred to as ‘Network Members’) who are independent practicing professionals. Network Members are independent contractors in private practice and are neither employees nor agents of IHO and / or its parents, subsidiaries or affiliates ("Indian Health Organisation (P) Ltd"). The availability of any particular Network Member cannot be guaranteed, and provider network composition is subject to change without notice. IHO does not provide medical, dental/pharmacy or any other treatment/medical services (hereinafter referred to as ‘Medical Services’) and is not responsible for outcomes. All Medical Services is the responsibility of the treating Network Member, to be carried out in consultation with the Member. Selection of the Network Member is finally the responsibility of the Member and is not based on any representations or recommendations by IHO.

The Network Members have agreed to offer their services at subsidised fee/price for the cause of increasing health awareness, specifically preventive health care & nowhere does it construe that the empanelled Network Members are doing so for commercial reasons. The term "Subsidised Fee" means a service that is available to a Member at a lower cost from fees normally charged by the provider and for which the Member is solely financially responsible. The Member understands that all payments to Network Members are due and payable at the time of service.
In order to receive medical services at the subsidised fee, a Member must present his / her Membership card to the Network Member before Medical Services are rendered & agree to the applicable fee accordingly. Members must pay the Network Member before directly at the time of Medical Service unless otherwise agreed upon between Network Member and the Member. If a Member wishes to confirm the current fee for a particular Network Member, he / she should first contact the Customer Care Number of IHO for guidance.

MEMBERSHIP TERM: Once the initial "Membership Fee" and any enrollment, processing or other fee is paid and received, a Member will be entitled to the subsidised medical/pharmacy services during the membership period as defined by the expiry date given on the face of the Indian Health Organisation Health Plan Card (from the date of activation) or as otherwise stated on the valid / active Health Saver Card.

RENEWAL OF MEMBERSHIP: Members may be informed at least one month in advance before their card expiry date. It is the responsibility of the member to ensure that IHO receives the payment for renewal of membership renewal at least two weeks prior to the Card expiry. IHO is not responsible and assumes no liability for any disruption of service in case the payment gets delayed or the payment cheques are dishonoured. In case of dishonoured cheques, a penalty will be charged. Card services will remain suspended till the realization of the payment.

RENEWAL CHARGES: The charges for renewal can be confirmed by calling the IHO Help Lines number a month in advance of the expiry date. Kindly note that any Medical Services being offered at subsidised rates will not be offered at these rates by the Network Member as soon as the card validity has lapsed.

CANCELLATION: If a Member wishes to cancel and / or terminate his / her Membership, he may do so by calling IHO within 14 days of joining. In all eventualities, decision of IHO will be final and binding on all the parties.

LOST CARD: In case of loss of Membership Card, a Duplicate Card may be issued at the nominal charges of Rs. 500 /-. The tenure of the membership will remain as specified in the initial membership card.

COMPLAINTS: Members are advised to address their complaints, if any, to our representatives. They are there to help you out. However if you are not satisfied, you may write to us at our corporate office address or mail us at service@indianhealthorganisation.com

The Member's rights or duties under this Agreement may not be assigned or delegated without the prior express written consent of IHO. Member agrees that he / she will use his / her Plan or Program Membership only for his / her personal benefit or for the benefit of his / her Family Members/others who have individual Health Saver Cards for themselves (in case of Family or Couple plan). The Member is responsible for paying Network members for all services rendered unless otherwise agreed upon by the Member and Network Member. IHO is in no way responsible for the Medical Services provided by a Network Member.

The Network Member will offer the subsidised rates on treatments, procedures and services managed and serviced by the Network Member directly (& not necessarily by other doctors, visiting or consulting doctors etc) & within the premises of the Network Member, and not for any further treatment, check or service required elsewhere. It may not be necessary that all services, tests, medical fields, doctor types are covered by the Health Saver Card & the Network Member may not be able to provide subsidised service on select procedures, i.e. the subsidised services may not be offered on all treatments and procedures offered by Network Member. Any existing offer or package at the clinic or planned by Network Member may not be clubbed and the Network Member may offer only one of the offers (either offer on IHO Card or existing packages) or on those services.

The Member should clarify all rates and fees before going forward for any consultation, treatment or services with the IHO Network Member & should also clarify the subsidised rates/prices in advance (& all other details about the treatment, check up, test, or other services etc) & be satisfied about the same before starting the treatment. IHO will not participate or be responsible for any dispute on the same (related to rates and subsidised rates once the treatment has started & costs have been incurred). If a particular Network Member does not offer the subsidised rates as per the Member’s satisfaction, the Member should contact IHO Helpline numbers & IHO will refer the Member to other Network Members empanelled with IHO. IHO will not be responsible for providing any compensation to the Member for the charges levied by the Network Member.

IHO offers different variants of Health Savers to customers and features/ benefits offered could vary from one variant to the other. Please refer to your Health Saver welcome pack to check if some benefits are offered on your Health Saver variant.

In the case of a Couple or Family Health Saver membership, there needs to be one person designated at the time of applying as the Primary Member.

The ‘Dial – a – Doctor’ facility offers Members the option of seeking preliminary medical advice over the phone. IHO is responsible for ensuring that the doctors involved possess the requisite qualifications to give medical advice. The 'Dial - a - Doctor' benefit is available between 10 am - 8 pm on all working days. However, there may be times when doctors may be unavailable for some reason to answer the Members’ call. Members may need to dial an outstation mobile phone number to access the ‘Dial – a- Doctor’ benefit, in which case applicable call charges will be incurred by the Member. Please note that the medical advice given over the phone will be restricted to consultation for routine or minor illnesses only. Members are advised to visit a medical practitioner for any urgent requirement. IHO does not undertake any responsibility for any treatments, services & procedures advised by the Network Members, including those advised under the 'Dial - a - Doctor' program. The choice of following any such guidelines is entirely at the Member’s discretion.

The ‘Second Opinion’ facility offered under certain Health Saver variants entitles a Member to seek a medical opinion from relevant specialist medical practitioners empanelled with IHO, free of cost. This service will be offered by IHO on a best effort basis, and IHO does not guarantee that it will be able to provide this in every case.
IHO is not a merchant, manufacturer, or provider of the Medical Services. IHO does not give any warranty, express or implied, as to description, quality, fitness for any particular purpose, productiveness, or any other matter, for any services or merchandise purchased or received by a Member from a Network Member through his / her card membership. In the event that any product or service purchased or received by a Member is defective, or otherwise unsatisfactory, the Member will deal directly with the Network Member for any repair, exchange, refund or satisfaction of claim.
IHO & the Network Member who are part of the Health Saver network reserve the right to revise their charges at any time.

Each Member, for himself / herself, and on behalf of any Family Member who uses the services under the Health Card hereby forever releases, acquits and discharges each of IHO and its employees, officers, directors, agents and affiliates from any and all liabilities, claims, demands, actions and causes of action that such Member or his / her legal representative(s) may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any Medical Services.

Health Savers offered by IHO are not health insurance policies. The Card provides subsidised services through its empanelled Network Members at certain health care centers. The benefits provided through Health Savers are not applicable if a Member is claiming insurance benefits on the medical services provided. The Member is obligated to pay for all health care services from those Network Members who have contracted with Health Savers for providing services under the empanelment agreement.