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 avaiothers 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 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 IHO 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 IHO 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.
