Sanjivani Swasthaya Yojana (Mediclaim Scheme):

To provide a protection against sudden and unavoidable hospitalization expenditure a scheme has been formulated in consultation with National Insurance Company. This is group mediclaim policy taken under the Scheme called the Sanjivani Swasthaya Yogana. Normally known as Sanjivani the Scheme provides a insurance cover for hospitalization to a patient. The premium is collected from the Policy Holders (PHs), which gets the benefit of about 30 to 35% concession due to Group Policy than normal premium of mediclaim. The scheme was divided into six categories as per sum insured. The Scheme was commenced in June 1996 and first premium was paid to insurance company on 31-07-1996.

Initially, one time deposit was collected from all PHs, which was deposited with four renowned companies. The insurance premium used to be paid through the interest earned from this deposits. The response from the people was unexpected and about 11000 members joined the scheme. The Scheme was close ended for first three years and new members were admitted. An unique feature of this scheme was that many village Mahajans and Mandals came forward to help their villagers and they paid the deposits for categories V and VI for their fellow villagers which helped to a great extent to needy people and Scheme got unbelievable response.

After three years the restrictions were imposed on acceptance of deposits by the Reserve Bank of India. Moreover, interest rates started down ward trend due to which the scheme became unviable. At this juncture Seva Samaj had two options. First to refund the deposits to all PHs and discontinue Scheme this prestigious and helped Scheme. And secondly to refund the deposits and to collect the annual premium from PHs every year. Although second alternative was encumber some and involving giangatic and administrative exercise, strength, and planning, but keeping in view the benefits obtained to the PHs, Seva Samaj also opened doors new entrants who had missed the bus at the time of its opening. Seva Samaj started accepting premium for fourth year (for 1999-2000) in cash at its office and registered about 16000 members. Here also village Mahajans and Mandals paid prominent role and they reimbursed the premium amount to their villagers paid wherever required.

During fifth year (2000-2001) Seva Samaj collected premium at its office and also made an arrangement to accept the premium amount at few more centers in Central as well as western suburbs and registered about 22000 members.

In the year 2001-2002 premium for sixth year became due, Seva Samaj once again had to perform giangatic exercise of collecting premium. The Scheme was getting unbelievable response from new PHs every year and collection of cash premium in manual was becoming difficult. Seva Samaj was expecting the number of PHs to cross the figure 25000. And it was difficult task to perform. So it was decided to take assistance of some bank to accept the premium amount, to computerized the entire process of collection of premium and accept the premium amount in Cheque as far as possible. Accordingly an arrangement was made with Mandvi Co operative Bank to accept the premium at its branches software was developed to generate pay-in-slip on computer and all PHs were appealed to pay premium amount in Cheque as far as possible. The operation was successful. The premium amount was accepted at seven centers and office in cash and Cheque through the Mandvi Cooperative Bank. 84% of total premium amount was received by Cheque and record number of 26500 members was registered.

An added feature this year was coordination with Paramount Healthcare Management Company Ltd. When patient is admitted in the hospital or discharged he has to pay the bill. At number of times the family members have not foreseen the exigencies and not planned for this type of expenditure. They have no alternative but to borrow the money to pay the bill. To overcome this situation Seva Samaj have entered into an arrangement of Cashless Scheme with PHM2 under which no amount has to be paid by patient to hospital and payment is to be made by the Paramount provided the patient selects to admit in any of the hospital listed by the company. Paramount is also agreed to enlarge the list by adding more hospitals names in it. Paramount will directly claim the amount from Insurance Company for which they have agreed.

A cheque of Rs. one crore seventy lakh was handed over to the National Insurance Company on August 5, 2001, in a function arranged which was presided over by Shri Jagshi Jethabhai and Shri Chandrakant Gogari was as Chief Guest. This group policy will be due for renewal on 29/7/02.

Click on the form button for Sanjivani Application Forms (5 Pages): CLICK HERE