The Rukhmani Charitable Trust

Following are the present benefits available to our members:

1. 3 nights and 4 day stay free in nominated resorts in 30 destinations all over India (Conditions apply).

2. Medical history of entire family will be hosted on our website which can be used from anywhere for diagnosis and treatment.

3. Discounts in various medical related services to our card members will be available as and when the arrangements are made in their respective localities. We will update you every quarterly or monthly on the latest list of facilities where discounts can be availed. Currently following discounts are available on all India basis.

a. Thyrocare 20% discount on all high end tests.

b. Wellspring labs 25% discount on their various Lab tests.

c. SRL Ranbaxy 15% to 20% on various tests.

N.B. DISTRICT WISE LIST OF VARIOUS SERVICES WHERE DISCOUNTS WILL BE AVAILABLE WILL BE POSTED ON OUR WEBSITE FOR THE BENEFIT OF OUR MEMBERS.

4. We are in the process of arranging discounts for our members as under:

a. OPD treatment in nominated hospitals.

b. Specialist consultation.

c. Diagnostic centers.

d. Local path labs.

e. Chemist.

f. Ayurvedic centers / Homeopathic centers.

g. Alternate medicines.

h. Spas / Gyms etc.

N.B. We solicit help of all the members and social health workers to provide us with names address telephone no and e-mail id of above type of facilities available with good reputation, so that we can tie-up with them to provide discounts to our members.

5. For those members who opt for and give us clear mandate to take out the health insurance and other insurance related products for self and family members, we have made an arrangement with an Insurance company for providing them with the following Insurance products.

a. Silver STANDARD
Silver is a standard policy with family floater covering maximum 6 members. This policy doesn’t cover domiciliary hospitalization and congenital diseases (internal and external), all other terms and conditions of standard group mediclaim policy are applicable. Please use the membership contribution table for number of members in the family selecting the column of highest age in the family for appropriate floater sum insured opted. Important provisions of the clause are enclosed for your perusal.

b. Gold Plan Pre-existing after one year

We are enclosing the clause of group mediclaim policy which will give you clear idea about the coverage’s under this plan. All other terms and conditions are as per standard clause Pre-existing diseases (declared) will be covered from 2nd year of the policy.

i. Time Exclusion 4.3 shall be applicable after six months of the inception of the policy,

ii. 20% Excess for each and every claim of pre-existing disease for first four years,

iii. Domiciliary Hospitalization to be deleted,

iv. Total Exclusion of Congenital Diseases (internal and external),

v. Pre-existing disease to be covered only after 1 year i.e. at the time of first renewal for each group,

vi. Following Major Ailments/Treatments will be covered in third year of policy if continuously renewed without break:

Multiple Sclerosis, Muscular Dystrophy, Demylienating diseases, Coronary Artery Disease including PTCA, CABG, ORGAN TRANSPLANT and JOINT REPLACEMENT

The common features of the plans are as under.

1. Family floater plan with maximum 6 persons.

2. Age of entry 3 months to 79 years.

3. No pre-medical check-ups.

4. All contribution tables are inclusive of service tax.

5. Contribution tables contains trust membership fees with membership benefits.

6. All the pre-existing must be declared.

7. You must fill up the following forms (a) TRCT membership form, (b) OIC short proposal form, (c) 2 photographs of each family member, one for TPA and another for TRCT membership card with web enabled medical history.

8. Maternity is not covered in both the plans.

c. Accident Insurance and Hospitalization expenses due to Accident

SALIENT FEATURES AT A GLANCE

i. COVERAGE

COMPENSATION FOR ACCIDENTIAL INJURIES AND/OR REIMBURSEMENT OF EXPENSES INCURRED AT HOSPITAL AS A RESULT OF ACCIDENTAL INJURIES SUBJECT TO LIMITS SPECIFIED IN THE POLICY

ii. TYPES OF POLICIES

o INDIVIDUAL INCLUDING FAMILY PACKAGE POLICY

o GROUP POLICY

iii. SUM INSURED

MINIMUM SUM RS.ONE LAC-MAXIMUM RS.FIVE LACS WITH AN OPTION OF ENHANCEMENT OF MINIMUM LIMIT OF SUM INSURED IN MULTIPLES OF RS.25,000/- UPTO A MAXIMUM OF RS.5,00,000/-.

iv. POLICY PERIOD

INDIVIDUAL POLICIES RANGING BETWEEN ONE YEAR TO FOUR YEARS. GROUP POLICIES – 12 MONTHS.

v. ELIGIBILITY

ANY CITIZEN OF INDIA IN THE AGE GROUP OF 5 YEARS TO 70 YEARS FOR FAMILY PACKAGE AND 18 YEARS TO 70 YEARS FOR INDIVIDUAL/GROUP COVER.

vi. MAXIMUM CLAIM AMOUNT PAYABLE

SUMS INSURED AS SPECIFIED IN THE POLICY SCHEDULE (UNDER SECTION I PERSONAL ACCIDENT) AND THE SUM INSURED (UNDER SECTION II) HOSPITALISATION FOR EACH PERIOD OF 12 MONTHS DURING THE POLICY PERIOD.

vii. GEOGRAPHICAL SCOPE: WORLDWIDE

viii. PAYMENT OF CLAIM: IN INDIAN CURRENCY ONLY.

d. MICRO INSURANCE We are also issuing Micro Insurance Products for low Sum Insured Rs. 30,000/- covering pre-existing diseases, maternity, accident to head of the family and Rs. 9,000/- Life cover (with saving plan). Total Membership Contribution for this is Rs. 1725/- on a floater basis maximum upto 5 members in the family. This policy can be issued any time as and when the proposals are received.

e. We also issue PA policy along with all the above plans to individuals as well as groups.

f. Tailored packages are available for corporate.

TPA services are available in nominated hospitals. Discount in OPD services wherever arrangements have been made will be available to members. Holiday package plans as per our old arrangement are also available. The membership contribution cheques / DD are to be drawn in the name of "The Rukhmani Charitable Trust". Policy will be issued once in a month with minimum 100 members in each policy of both the plans. All the policy will be for a period of one year.

Our current OIC plans covering pre-existing after 4 months Platinum and covering maternity plan Diamond also can be availed as per revised premium chart enclosed. All other policies i.e. silver, gold, platinum and diamonds are issued once a month.

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