Clinical Facilities

 Vardaan is a hospital, which is conceptualized with the purpose of treating each of our patients with care, concern & compassion. Vardaan’s personality is knowledgeable and we at Vardaan constantly endeavour to upgrade our clinical knowledge and share it among our colleagues.

Our Corporate Clients at Vardaan Hospital:
At Vardaan Hospital , our practice is made up of compassionate, skilled professionals who have the most current knowledge and who go out of their way to satisfy our patients. We want not only to provide the highest quality of clinical care but also to give our patients more than they want, need , and /or expect whenever we can.
Provision of quality care and treat them with dignity is our bottom line and we remain committed to Continuing improvement in quality through adoption of technological advances. We strongly discourage the malpractice.
That is the reason; we have corporate clients, like BSNL, Airport Authority of India (AAI), CSEB, Central Govt. welfare committee empanelled with us for last three years.
Above all at Vardaan we are transparent and reasonable in our charges and billing system.
Further, FCI and HUDCO have conducted the inspection of our hospital and in principle approval has already been granted. Shortly, their employees and dependents shall start availing treatment facility at our centre.
The Corporate Empanelled Clients of Vardaan Hospital:

Patient & Visitor Guide

Patient & visitor guide: Out Patient Registration

•  Admission
•  our admission staff is available to answer any of your queries and guide you to choose a suitable room.
•  You are required to pay an initial deposit at the time of admission in accordance with the room category. Charges vary as per room category, irrespective of the medical services.
•  Please ensure that you clarify all your doubts about the charges before admission. If you have any queries regarding billing during your stay, our billing staff will be of assistance to you.
•  Patients are admitted under the sole discretion of the hospital consultants.
• The estimated costs in case of planned surgeries are provided at the estimation counter of the Inpatient Services Department.
•  All room confirmations are subjected to the availability, on the date of admission. Bed charges are not inclusive of nursing and diet charges.
• Emergency charges are applicable on surgery charges on Sunday, holiday for whole days & on other days from 10:00 pm to 7:00 am.
• Emergency charges will be 15% extra on all consultation, investigation & procedure in OPD/ A & E/ Day-care & also 15% extra on surgery amount.
• No emergency charges for planned surgery on Sunday & Holiday for already admitted patient.
•  Cash and credit card payments are accepted. Personal are not allowed. Any shortage of initial deposit during emergency admissions has to be cleared within 12 hours of admission or before 12.00 noon of the next working day.

Corporate Admissions

•  Corporate clients are required to submit their company’s credit letter on the date of admission. In case of emergency admissions, the credit letter has to be submitted within 12 hrs. of admission.
•  In the case of the non-submission of the company’s credit letter, the patient is deemed as a cash patient and an initial deposit is to be deposited. The same would be refunded (at the time of discharge) against the submission of the company’s credit letter.
•  Patients opting for a room/bed category higher than their entitled category are required to pay the difference in charges arising thereafter. Charges for investigations, operation theatre charges, and the doctor’s fees are subjected to change in accordance with the particular room category chosen.

Credit Facility

•  Credit facility is offered only to the patient from Corporate & Insurance.
•  TPA’s having a tie up with Vardaan Hospital for patient covered under Medical Insurance, it is mandatory to get approval for cashless facility from TPA before patient gets admitted.
•  However if the patient gets admitted in emergency, then this approval for cashless facility must be produced before the discharge.
•  In case there is a delay in authorization, patient authorization or denial of authorization from the insurance/TPA hospital cannot be held responsible & 100% of estimated cost or the difference cost to be deposited at the time of admission or before the surgery.

Deposit

•  All patients are required to pay an initial deposit at the time of admission as specified by the admission counter.
•  For surgeries/packages, the entire cost of the package has to be deposited at the time of admission.
•  Interim bills would be produced on alternate days and will be available at the IP billing counter. Patients are required to make a deposit within 24 hour of receipt of the interim bills. If the bill is not cleared within 24 hour then all the credit facilities, whether pharmacy or any other will be discontinued.
•  The deposits would be adjusted against the final bill.
•  Charges for investigation, operation theatre charges, and the doctor’s fees are subjected to change in accordance to the particular room category chosen.

Refund

•  In case the amount has to be refunded on the same day as that of the deposit, then the refund would be made by cash.
•  In case the amount has to be refunded on the next day of the deposit, then the refund would be made by cheque. In such a case, the Identity IPD Personnel would take proof from the patient/relative.

RashtriyaSwasthyaBimaYojana

Vardaan Hospital is actively participating in Central and state government health schemes. RSBY (RashtriyaSwasthyaBimaYojna) is one such scheme where BPL patients are provided Cashless free treatment upto Rs 30000.00. This scheme is applicable in Vardaan Hospital since January 2010 and around 600 BPL patients have availed cashless treatment till now. For the online transactions we at Vardaan are fully equipped and have Wi-Fi zone of Internet round the clock. 

Health Insurance for the Poor
For people living below poverty line, an illness not only represents a permanent threat to their income earning capacity, in many cases it could result in the family falling into a debt trap. When the need to get the treatment arises for poor families they often ignore it because of lack of resources, fearing wage loss, or wait till the last moment when it’s too late. Even if they do decide to get the desired health care it consumes their savings, forces them to sell their assets and property or cut other important spending like children’s education. Alternatively they have to take on huge debts. Ignoring the treatment may lead to unnecessary suffering and death while selling property or taking debts may end a family’s hope of ever escaping poverty.
These tragic outcomes can be avoided through a health insurance which shares the risk of a major health shock across many households by pooling them together. A well designed and implemented health insurance may both increase access to healthcare and may even improve its quality over time.

Genesis of RSBY
In the past Government have tried to provide a health insurance cover to selected beneficiaries either at the State level or National level. However, most of these schemes were not able to achieve their intended objectives. Often there were issues with either the design and/ or implementation of these schemes.
Keeping this background in mind, Government of India decided to design a health insurance scheme which not only avoids the pitfalls of the earlier schemes but goes a step beyond and provides a world class model. A critical review of the existing and earlier health insurance schemes was done with the objective of learning from their good practices as well as seeks lessons from the mistakes. After taking all this into account and also reviewing other successful models of health insurance in the world in similar settings, RashtriyaSwasthyaBimaYojna was designed.
RashtriyaSwasthyaBimaYojana or RSBY started rolling from 1st April 2008.

What is RSBY?
RSBY has been launched by Ministry of Labour and Employment, Government of India to provide health insurance coverage for Below Poverty Line (BPL) families. The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization. Beneficiaries under RSBY are entitled to hospitalization coverage up to Rs. 30,000/- for most of the diseases that require hospitalization. Government has even fixed the package rates for the hospitals for a large number of interventions. Pre-existing conditions are covered from day one and there is no age limit. Coverage extends to five members of the family which includes the head of household, spouse and up to three dependents. Beneficiaries need to pay only Rs. 30/- as registration fee while Central and State Government pays the premium to the insurer selected by the State Government on the basis of a competitive bidding.

Unique Features of RSBY
The RSBY scheme is not the first attempt to provide health insurance to low income workers by the Government in India. The RSBY scheme, however, differs from these schemes in several important ways.

Empowering the beneficiary – RSBY provides the participating BPL household with freedom of choice between public and private hospitals and makes him a potential client worth attracting on account of the significant revenues that hospitals stand to earn through the scheme.

Business Model for all Stakeholders – The scheme has been designed as a business model for a social sector scheme with incentives built for each stakeholder. This business model design is conducive both in terms of expansion of the scheme as well as for its long run sustainability.

• Insurers – The insurer is paid premium for each household enrolled for RSBY. Therefore, the insurer has the motivation to enroll as many households as possible from the BPL list. This will result in better coverage of targeted beneficiaries.
• Hospitals – A hospital has the incentive to provide treatment to large number of beneficiaries as it is paid per beneficiary treated. Even public hospitals have the incentive to treat beneficiaries under RSBY as the money from the insurer will flow directly to the concerned public hospital which they can use for their own purposes. Insurers, in contrast, will monitor participating hospitals in order to prevent unnecessary procedures or fraud resulting in excessive claims.
• Intermediaries – The inclusion of intermediaries such as NGOs and MFIs which have a greater stake in assisting BPL households. The intermediaries will be paid for the services they render in reaching out to the beneficiaries.
• Government – By paying only a maximum sum up to Rs. 750/- per family per year, the Government is able to provide access to quality health care to the below poverty line population. It will also lead to a healthy competition between public and private providers which in turn will improve the functioning of the public health care providers.

Information Technology (IT) Intensive – For the first time IT applications are being used for social sector scheme on such a large scale. Every beneficiary family is issued a biometric enabled smart card containing their fingerprints and photographs. All the hospitals empanelled under RSBY are IT enabled and connected to the server at the district level. This will ensure a smooth data flow regarding service utilization periodically.

Safe and fool proof – The use of biometric enabled smart card and a key management system makes this scheme safe and fool proof. The key management system of RSBY ensures that the card reaches the correct beneficiary and there remains accountability in terms of issuance of the smart card and its usage. The biometric enabled smart card ensures that only the real beneficiary can use the smart card.

Portability – The key feature of RSBY is that a beneficiary who has been enrolled in a particular district will be able to use his/ her smart card in any RSBY empanelled hospital across India. This makes the scheme truly unique and beneficial to the poor families that migrate from one place to the other. Cards can also be split for migrant workers to carry a share of the coverage with them separately.

Cash less and Paperless transactions – A beneficiary of RSBY gets cashless benefit in any of the empanelled hospitals. He/ she only needs to carry his/ her smart card and provide verification through his/ her finger print. For participating providers it is a paperless scheme as they do not need to send all the papers related to treatment to the insurer. They send online claims to the insurer and get paid electronically.

Robust Monitoring and Evaluation – RSBY is evolving a robust monitoring and evaluation system. An elaborate backend data management system is being put in place which can track any transaction across India and provide periodic analytical reports. The basic information gathered by government and reported publicly should allow for mid-course improvements in the scheme. It may also contribute to competition during subsequent tender processes with the insurers by disseminating the data and reports.