iho health plan
TRANSCRIPT
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
About Indian Health OrganisationAbout Indian Health Organisation
• IHO is an organisation formed for the cause of making high quality healthcare more affordable in India
• IDA (Indian Dental Association) has partnered & collaborated with IHO. Both organisations have come together to work towards the cause of promoting preventive health care within India
• IHO provides certification to high-quality medical practitioners, based on strict empanelment criteria designed by the biggest names in the medical fraternity
• IHO is driven by a team of senior people from both the medical and corporate world; it is supported by various social organisations, a panel of doctors, corporates and a highly experienced advisory board
• As a first step, IHO has launched IHO Health Plans – a first of its kind benefit in India
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
IHO Health Plan: The ConceptIHO Health Plan: The Concept
Now, say goodbye to
your health worries!
•The IHO Health Plan brings together a group of the best, individually practicing doctors of all fields under one umbrella
• These practitioners offer their services to Health Plan members at no fee or a considerably lower fee than they usually charge
• This makes high quality medical expenses more affordable & convenient to all members & will lead to better healthcare awareness
• Health Plans have been very popular in places like USA and Europe ever since their launch more than two decades ago
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
IHO Health Plan: Product BenefitsIHO Health Plan: Product BenefitsThe IHO Health Plan takes care of all preventive & pre-hospitalisation healthcare needs:
Dental Benefits
Medical Benefits
Pathology & Radiology Benefits
Preventive Health Checkups Dial a Doctor
Insurance Cover
IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition
Dental Benefits
Category I: Oral Hygiene Check Up
100% off on ALL Consultations & Examinations
Category II: Preventive Services
50% off on Cleanings & X Rays
Category III: Any Treatments
25% to 30% off on all other treatments
IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition
Category I: Consultations & Check-Ups
•100% off on first two consultations & check-ups at
each doctor•25% (min. 20%) off from third
consultation onwards Medical Benefits
Category II: Subsidised Treatments
•25% (min. 20%) off on all treatments or tests
IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition
Pathology Benefits
Radiology Benefits
30% off on all pathology tests
30% off on all radiology tests
IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition
Preventive Health Checkups
Exclusive health check vouchers are sent along with the welcome pack:
• Gives the customer an accurate picture of his/ her physical condition
• Provides a savings of about 60% compared to what one would normally pay
IHO Health Plan: Product PropositionIHO Health Plan: Product Proposition
Members can receive medical advice relating to minor or
routine illnesses instantly just by making one phone call
Primary Member receives a Personal Accident insurance cover provided by IFFCO-Tokio worth Rs
50,000
Dial a Doctor
Insurance Cover
Indicative SavingsIndicative Savings for a Memberfor a Member
Normal Cost
1,000
2,500
6,000
2,000
2,000
40,000
3,000
6,000
3,000
IHO Member pays
Zero!
1,250
4,200
Zero!
1,500
30,000
2,100
4,200
1,000
Savings
1,000
1,250
1,800
2,000
500
10,000
900
1,800
2,000
21,250
Remarks
100% off on consultations
Full dental cleaning and X rays at 50% off!
30% off on all dental treatmentsMember can get check ups done across all specialists,
with first two consultations at each doctor free
25% off!
25% off!
30% off on all pathology tests
30% off on all radiology tests
Health checkups worth Rs 1,500 at Rs 500 only!
Typical Medical Expenses for one person in a year
Two dental consultations
One dental X-ray & Cleaning
One basic dental treatmentFour medical consultations across
the yearAny further treatments like
immunizations or or treatments
Lasik treatment
Pathology Tests
Radiology TestsPreventive health check-up
vouchers (2)
TOTAL SAVINGS
• Savings shown above are for one member only
• Estimated savings for a couple or a family of four would be INR 43,000 and INR 86,000 in a year respectively!
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
IHO Health Plan VariantsIHO Health Plan Variants
1.Individual Membership: Membership benefits only for one person
1.Couple Membership Membership benefits for two people
Each applicant receives individual card
2.Family Membership Membership benefits for four people
Each applicant receives individual card
IHO Health Plan memberships are not transferable. IHO Health Card
benefits cannot be availed of by non-members
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
Doctor Specialisations on the IHO NetworkDoctor Specialisations on the IHO Network
Virtually all Doctor & Dentist specialisations are on the IHO network, as shown below:
•General Physicians
•Cardiologists
•Neurologists
•Orthopedics
•Pediatricians
•Diabetologists
•ENT
•Ophthalmologists
•Gynecologists
•Oncologists
Doctors
•General Dentists
Orthodontists
•Pedodontists
•Periodontists
•Endo Dentists
•Prosthodontists
•Oral & Maxillofacial
• Surgeons
•Cosmetic Dentists
•Sports Dentists
•Implant Specialists
Dentists
Best in class
Pathology &
Radiology labs
offering full
range of services
& latest equipment
Pathology/ Radiology
IHO Empanelment Criteria for DoctorsIHO Empanelment Criteria for Doctors
IHO certifies and empanels only medical practitioners who meet the following criteria:
Masters Degree
Registered Doctor
Minimum five years experience
Meeting the Clinic Hygiene Standards defined by IHO committee
In addition to the above, only those doctors are empanelled who are keen to help promote health awareness in the country.
*Exceptions to these may be taken by IHO Empanelment Team, basis the Doctor’s experience and goodwill in the medical and patient community
The rigorous empanelment criteria ensures that only high quality, ethical medical practitioners are empanelled
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
Kanpur
Vadodara
Already present
Planned
Delhi NCR
Jaipur
Ahmedabad
MumbaiPune
Chennai
Hyderabad
Vizag
Nagpur
Indore
Lucknow
Kolkata
Chandigarh
Surat
Bangalore
Kochi
IHO FootprintIHO Footprint
Coimbatore
IHO Present Network
•The IHO network presently covers 13 cities
•There are more than 1,200 medical practitioners on the IHO network presently
IHO Planned Network
•By March 2010, IHO will expand to nine more cities
•The network will consist of more than 2,000 medical practitioners as well as 800 pharmacies
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
IHO Health Plan: Easy Usage ProcessIHO Health Plan: Easy Usage Process
•All IHO Health Plan members are sent a Health Plan membership Card
•All IHO Health cards issued with a one year validity
•Membership card & welcome pack are received by customer within 14 working days of enrollment
Whenever a member needs a doctor,
he/she should just do the
following:
1. Call the IHO Helpline number for
the city
2. Based on the requirement &
location, an IHO representative
will suggest appropriate doctors, giving all details required
3. Member has to just show the IHO
Card to avail of benefits instantly
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
Advantages compared to Health InsuranceAdvantages compared to Health Insurance
Health Insurance IHO Health Plan
Annual spending limit is fixedNo spending limits, unlimited usage
possible
Restrictive age limits, often not given to senior citizens No age limits
Existing ailments not covered All ailments are eligible for benefits
Very high annual premium Annual membership fee is very low
Only covers hospitalisation expenses
Covers all day-to-day & pre-hospitalisation expenses
No dental treatments covered All dental treatments covered
Some claims are deductible Benefits available on all treatments
Pathology & Radiology not included unless hospitalised
Pathology & Radiology expenses covered for any requirements
Lengthy claim proceduresNo paperwork, benefits available
instantly
Presentation StructurePresentation Structure
About Indian Health Organisation
IHO Health Plan: The Concept
IHO Health Plan: Product Benefits Product Variants
IHO Network: Doctor Types & Empanelment Criteria IHO Footprint
• Geographical presence• Network Size
Usage Process
Advantages compared to Health Insurance
Some of our Clients
Some of our ClientsSome of our Clients
Thank You