THE CANARA BANK OFFICERS'

ASSOCIATION (REGD)

(Affiliated to AIBOC)

Hospitalisation Expenses

On and from Ist May 2005, reimbursement of hospitalisation expenses under Regulation 24(1)(b)(i) of Officers' Service Regulations, 1979/1982, shall be in terms of the Hospitalisation Scheme laid down under Bipartite Settlement dated June 2, 2005, for workmen employees, (Please See Schedule - V at the bottom ) subject to following limits:-

a) Junior Management Grade Scale I and Middle Management Grade Scales II & III	1. Bed Charges Self - Rs.600/- per day Family - Rs.450/- per day ii. Other charges - At the scale of 125% of the limits laid down under the Hospitalisation scheme applicable to workmen employees.
b) Senior Management Grade Scales IV & V and Top Executive Grade Scales VI & VII.	i. Bed Charges Self - Rs.800/- per day Family-Rs.600/- per day ii. Other Charges - At the scale of 150% of the limits laid down under the Hospitalisation Scheme applicable to workmen employees.

SCHEDULE V

Of Workmen Settlement Dated 02/06/2005

SCHEDULE FOR REIMBURSEMENT OF

HOSPITALISATION EXPENSES

1. Hospitalisation expenses will be reimbursed to workmen staff in the bank to the extent of 100 per cent in case of self and 75 per cent in case of dependent members of family subject to the procedure for reimbursement of hospitalization expenses as enumerated hereunder :

a) Hospitalisation charges to the extent stated above will be reimbursed in case of all ailments and major accidents which require hospitalization.

b) A workman or his dependent family member(s) will be considered to have been hospitalized only if they are admitted as indoor patient(s) in the hospital in respect of diseases/ accidents as mentioned above in sub-para (a). however, cases where the patient is admitted as an out-patient and discharged the same day after surgical procedures involving advanced techniques may also be considered for reimbursement of hospitalization expenses.

c) Medical expenses incurred for the hospitalization will be reimbursed on the strength of bills/couchers to the extent of 100% in case of self and 75 % in case of family members subject to the limits prescribed hereunder.

For the purpose of medical facilities :

The expression `family’ of an employee shall mean the employee’s spouse, wholly dependent children including dependent step children and legally adopted children and parents wholly dependent on the employee and ordinarily residing with the employee.

Notes :-

(i) The term `wholly dependent child / parent’ shall mean such relative having a monthly income not exceeding Rs.2,550/- p.m. If the income of one of the parents exceeds Rs.2,550/- p.m. or the aggregate income of both the parents exceeds Rs.2,550/- p.m., both the parents shall not be considered as wholly dependent on the employee.

(ii) A married female employee may include her natural parents or parents-in-law under the definition of family – but not both – provided that the parents/parents-in-law are ordinarily residing with and wholly dependent on her and satisfy the income criteria as stated above.

The reimbursement of hospitalization expenses will be restricted to the following charges :

Sr.no.	Details	Extent of reimbursement
3.1	a) Hospital Registration Fees	100% for self and 75% for dependent family members of the amount actually incurred or Rs.200/- whichever is lower
	b) Surcharge/tax on hospital bills	Proportionate to the extent of the bill passed by the bank
3.2	Charges for bed per day (excluding boarding charges)	100% for self and 75% for dependent family members of the amount actually incurred or Rs.400/- whichever is lower.
3.3	ICU/CCU/Neo-natal Nursery	100% for self and 75% for dependent family members of the amount actually incurred or Rs.500/- per day, whichever is lower. This is in addition to bed charges.
3.4	Diagnostic material charges, X-rays, pathological tests, ECGs, etc.	As per Annexure-I hereto
3.5	Medicines, drugs, injections (including disposable syringes) bandage and dressing materials, etc. except tonics/vitamins(however, tonics/vitamins, which are prescribed by the attending doctor and certified as essential for the period of hospitalization, may be considered for reimbursement)	100% or 75% as the case may be of actual expenses
3.6	Operation Charges, etc.	As per Annexure – II hereto

3.7 Physician’s and Consultant’s fees		100% for self and 75% for dependent family members of the amount actually incurred or the amount as mentioned below against each item, whichever is lower
	Major `A’ class cities viz. Mumbai, Chennai, Delhi, Kolkata, Ahmedabad, Bangalore & Hyderabad		Other places
	Rs per visit		Rs per visit
VISIT AT THE CHAMBER
First Consultation	200/-		120/-
Subsequent Consultation	75/-		60/-
VISIT AT RESIDENCE
In case of emergency leading to hospitalisation	300/-		190/-
Second consultation	225/-		150/-
Subsequent Consultations	150/-		100/-
VISIT MADE BY SPECIALISTS AT THE HOSPITAL :- SPECIAL VISIT
During the Day time	125/-		85/-
During the Night time	300/-		150/-
Routine visits	125/-		85/-

4. The workmen or members of their families (as the case may be) are expected to secure admission in a Governemnt/Medical Hospital or any `private’ hospital (i.e. hospitals under the management of a Trust, Charitable Trust, Charitable Institution or a religious mission) The reimbursement will be restricted to the percentage applicable to the workmen/dependent family member, i.e. 100% or 75% of the charges applicable to the lowest paying bed in such hospitals according to hospital rules or the maximum amounts mentioned above, whichever is lower.

5. Normally, the workman and members of family should avail of services of hospital as mentioned in paragraph 4 above. However, if he feels, that it is unavoidable to seek services of a private nursing home/hospital, he can do so in one of the hospitals/nursing homes, approved by the bank. Reimbursement in such cases will, however, be restricted to the extent of the amount which would have been reimbursable in case of admission to a public or private hospital as mentioned in paragraph 4 above.

6. Medical expenses incurred within 30 days of `pre’ and post-hospitalisation period on medical advice, on account of the ailment/disease for which the person was hospitalized, will be considered as hospitalization expenses for reimbursement purpose. However, in cases of hospitalization involving special or major operations, medical expenses incurred for a period not exceeding 45 days of post-hospitalisation will be considered for reimbursement, subject to medical advice.

7. Charges for engaging a nurse/attendant will not be reimbursed. However, nursing charges, if any, charged by hospital authorities in respect of days spent in ICU/CCU/neo-natal nursery may be considered for reimbursement on the basis of certificate issued by the hospital authorities and in consultation with bank’s Medical Officer. Reimbursement in such cases shall be 100% for workmen and 75% for family members of the actual charges.

8. Hospitalization charges in connection with maternity will not be reimbursable. However, the expenditure incurred by an employee in cases involving operative interference because of complicated labour and caesarean operation and subsequent hospitalization thereto will be reimbursed under the hospitalization scheme to the extent of expenditure incurred in excess of normal maternity charges and consequent hospitalization thereto subject to the condition that such reimbursement shall be 70% of the amount actually incurred or the limits as per Annexure II hereto, whichever is less.

9. The purchase of drugs/medicines will be restricted to approved chemists and arrangements will be made by banks wherever possible to make direct payments to the chemists.

10. Banks will have discretion to refuse payment of bills in cases where they are not satisfied about the genuineness of the bills.

11. Ambulance Charges

Ambulance charges for removing the workman or his dependent family member from residence to the hospital / nursing home or from hospital / nursing home to residence on discharge or from one hospital / nursing home to another hospital / nursing home, within the urban agglomeration or municipal limits may be reimbursed in full.

Actual expenses incurred on conveyance by mode other than ambulance shall be reimbursed subject to maximum as under :

i) By public taxi - Actuals subject to maximum of Rs.150/- per trip

ii) By autorickshaw - Actuals subject to maximum of Rs.75/- per trip

In case the patient is to be moved to a hospital / nursing home outside the urban agglomeration/municipal limits, then the expenses incurred on conveyance may be reimbursed at the rate of Rs.5.00 per kilometer, with a maximum of Rs.1000/- per trip or the amount actually incurred, whichever is the least.

Normally, services of an ambulance should be availed of. Where ambulance is not available or the facility of ambulance is not established, public mode of transport, i.e. taxi/autorickshaw could be used. The bank shall consider such claims on merits and facts.

Abuse of the facility will be dealt with treating such claims as acts of gross misconduct.

12. Domiciliary Treatment

Medical expenses incurred in respect of the following diseases which need domiciliary treatment as may be certified by the recognized hospital authorities and bank’s medical officer shall be deemed as hospitalization expenses and reimbursed to the extent of 100% in case of a workman and 75% in the case of his family.

Cancer, Leukaemia, Thalassemia, Tuberculosis, Paralysis, Cardiac Ailment, Pleuresy, Leprosy, Kidney Ailment, Epilepsy, Parkinson’s disease, Psychiatric Disorder, Diabetes, Hepatitis-B, Hepatitis-C, Haemophilia, Myastheniagravis, Wilson’s disease, Ulcerative Colitis, Epidermolysis bullosa, Venous Throbosis

( not caused by smoking ), Aplastic Anaemia, Psoriasis and Third Degree Burns.

Note :-

(i) The cost of medicines etc. in respect of domiciliary treatment shall be reimbursed for the period stated in the Specialist’s prescription. If no period is stated, the prescription for the purpose of reimbursement shall be valid for a period not exceeding 90 days.

(ii) Expenses incurred on radiotherapy and chemotherapy in the treatment of cancer and leukaemia shall be considered for reimbursement under domiciliary treatment to the extent of 100% in the case of a workmen and 75% in the case of his family.

13. The medical aid and reimbursement of expenses under the hospitalization scheme under this Settlement will also be available for medical treatment under the recognized systems of medicines, viz. Ayurvedic, Unani, Homoeopathy and Naturopathy if such treatment is taken in a clinic/hospital recognised by the Central/State Government. Further, reimbursement shall be limited to such expenses within the prescribed ceilings as would have been reimbursable in case the treatment was taken in a Government/Municipal hospital, subject to the overall limits under the scheme, i.e. 100% of approved expenses for self and 75% in case of family.

14. Package Charges :

Some hospitals are charging on the basis of `package’ for specialized treatment for diseases pertaining to heart, kidney, coronary, etc. These package charges generally include all charges pertaining to a particular treatment/procedure including admission charges, accommodation charges, ICU/ICCU charges, monitoring charges, operation charges, anaesthesia charges, operation theatre charges, procedural charges, Surgeon’s fee, cost of disposables, cost of consumables like catheters, guide wires, etc., surgical charges and cost of medicine used during hospitalization, related routine investigations, physiotherapy charges, etc.

In the following cases, package charges will be reimbursed to the extent of 100% in the case of self and 75% in the case of dependent members of family, subject to the limits specified below :-

(a) Coronary Bypass Surgery Rs.1,40,000/-

(b) Coronary Angiography Rs. 15,000/-

(c ) Angiplasty/Stentoplasty Rs. 70,000/-

(d) Kidney Transplant Rs.1,60,000/-

(e) Liver Transplant Rs.2,00,000/-

Note :-

(i) For the above ailments, workmen employees can claim either as per schedule of expenses prescribed or package whenever the treatment is taken under package charges scheme.

(ii) In the case of stentoplasty, cost of medicated stent(s), wires/balloon, Implanted during surgery may be reimbursed at the rate of 75% for family members and 100% for workman himself at rates not exceeding the rates applicable to lowest paying bed of AIIMS, New Delhi, in addition to the package charges indicated above.

(iii) Liver transplant charges are not reimbursable in cases where damage to the liver has been caused by alcoholism.

15. Reimbursement of Hospitalisation Expenses incurred on Treatment Abroad :

The procedure to be followed in respect of reimbursement of expenses incurred by the workmen and their families on treatment abroad shall be as laid down in Annexure-III hereto.

NAME OF PROCEDURE

100% for self and 75%

for dependent family

members of the amount

actually incurred or the

amount as mentioned

below against each item,

whichever is lower ( Rupees )

Urine Routine	40
Urine for Albumin	40
Urine for 17 Ketosteroids	360
Urine Culture	115
Urine for Column Count Test	115
Sensitivity test	150
Urine for Acid Fast Bacilli ( T B Culture )	105
Urine Bile Pigment & Salt	40
Urine Urobilinogen	40
Urine Occult Blood	40
Urine Total Proteins	80
Urine Sodium	80
Urine Chloride	80
Bence Jones Protein	50
STOOL EXAMINATION
Stool Routine	40
Stool Occult Blood	40
HAEMATOLOGY
EXAMINATION OF BLOOD
Blood Count with Indices ( Hb, TLC, DLC )	70
Blood Count without Indices ( Hb, TLC, DLC )	65
RBC and Hb with Indices	70
RBC and Hb without Indices	55
Total WBC and Differential Count (TC/DC)	55
Blood Smears for Parasites ( MP, etc )	40
Peripheral Smear Examination	45
Blood for Microfilaria	100
Platelet Count	70
Bleeding and Coagulation Time (BT/CT)	65
Clot Retraction Time	65
Prothrombin Time	75
Erythrocytes Sedimentation Rate (Westergren’s method)	30
Sedimentation Rate (Both Methods) ESR	30
Hb, TLC, DLC, ESR	85
Blood Culture	160
Clot Culture	160
Glucose Phosphate Dehydrogenase (G&PD)	150
Reticulocyte Count	45
Absolute Eosinophil Count	40
Packed Cell Volume (PCV)	40
R.B.C. Fragility Test	70
L.E.Cell	95
Haemogram	85
Bone Marrow Smear Examination	205
Partial Thromboplastin	135
BLOOD BANK
Coomb’s Test direct (for Coating Antibodies)	150
Coomb’s Test (for complete & incomplete indirect antibodies)	200
Blood Grouping & Rh factor only (Not for Matching) - for Non-maternity Cases	65
Blood Transfusion per Bottle and Donor’s fees (including Pathologist’s attendance and cross matching )	360
Packed Cell Preparation	255
BIOCHEMISTRY
BloodUrea/Calcium/Phosphorous/Sodium/Potassium each	100
Blood Urea Notrogen	100
Urea Clearance Test	170
Creatinine Clearance Test	170
Serum Proteins or Plasma Proteins	100
Serum Proteins Electrophoresis	200
Blood for Fibrinogen	110
Blood for Creatinine	75
Blood Uric Acid	100
Blood Sugar Curve (Glucose Tolerance Test) GTC or GTT	280
CO2 Combining Power of Plasma	130
Blood Cholestrol	75
Blood Protein Bound Iodine (PBI)	300
Blood Chlorides (S Cl)	100
Serum Sodium (S Na)	85
Serum Potassium (S K)	85
Serum Iron (S Fe)	130
Serum Iron Studies	220
Serum Calcium (S Ca)	85
Serum Phosphorous (S P)	85
Serum Alkaline Phosphatase	75
Serum Acid Phosphatase	135
Serum Glutamic Oxalic Transminase (SGOT)	75
Serum Lipase	130
Serum Glutamic Pyruvic Transminase (SGPT)	75
Serum Analyse	195
C P K	315
Glucose 6 Phosphate Dehydrogenase	170
Serum Lactic Dehydrogenase (LDH)	145
Serum Lactic Dehydrogenase with Isoenzyme	375
SMA 12-2 (14 Blood Chemistry)	625
HISTOPATHOLOGY
Smear Analysis	60
Body Fluids –CSF/Plural/Ascitic, etc.	60
Chemistry, Sugar, Protein, etc.	170
Malignant Cells	135
BACTERIOLOGY & SEROLOGY
Brucella Agglutination Test *	130
Cold Agglutination Test for Virus Pneumonia	130
Paul Bunnel Test	150
C Reactive Proteins (for Rheumatic Disease ) *	135
Smear Gram-Strain Examination	50
Sputum Smear A.F.B.Stain	50
V.D.R.L.	75
Widal Test	75
R.A.Test	100
Culture & Sensitivity (other specimens)	150
Vibro Cholera Culture	130
Conjunctival Swab for Microscopic & Culture Examination	140
Smear Examination for Micro Organisms	95
Fluids or Exudates for Malignant Cells	140
* ( for hospitalized patients only)
X-RAY
Fluroscopy Chest	120
Abdomen AP Erect (One Film)	135
Abdomen Lateral View (One Film)	135
Abdomen for Pregnancy	135
Chest PA View (One Film)	135
Chest Oblique or Lateral (One Film)	135
Mastoids	135
Extremeties, Bones & Joints (One Film)	135
Pelvis (One Film)	135
Paranasal Sinuses (One Film)	135
T.M. Joints (One Film)	135
Abdomen & Pelvis for K.U.B.	225
Skull A.P. & Lateral	225
Spine A.P. & Lateral	225
Barium Swallow	525
Sinography/Sialography	600
Cystography/Urethrography	900
Arthrography	675
Retrograde pyelography	750
Oral or I.V. Cholecystography	750
Barium Enema	975
Barium Meal Upper or Lower	975
Bronchography	1050
I.V. Urography	1050
Myelography	1200
Pneumo Encephalography	900
Barium Meal Complete	1200
Cerebral / Femoral Angiography	1425
C T SCAN / MRI
C T Scan	2500
C T Scan ( with contrast )	4000
MRI	5000
MRI ( with contrast )	6500
ULTRA SONOGRAPHY AND ECHOCARDIOGRAPHY
Electro Cardiogram (ECG)	120
Indual Test	140
U C G ( Phono-cardiography, Telemetry C, Cardiac Ex Test, Stress Test )	690
Echo Cardiography	790
Cardio Version	510
Ultra Sonography	395
US Guided Biopsy	530
SKIN
Tuberculin Test (Mantaux) TT or MT	105
Scraping for Fungus	55
Skin Clipping & Smear for Leprosy	105
Nasal Smear for Leprosy	85
LIVER FUNCTION TESTS
Thymol Turbidity Test	90
Cephalin Cholestrol Floculation Test	90
Vanden Berghn Reaction & Icterus Index (Quantitative Bilirubin)	150
Takata Ara Reaction	100
Bromsulphalein Excretion Test (Excluding Injection Charges)	220
PLEURAL AND PERICARDIAL AND ASCITIC FLUIDS
Pleural Fluid for Routine Examination	140
Pleural Fluid for Cultural Pericardial and Ascitic Fluids	140
SPUTUM EXAMINATION
Sputum Routine	90
Sputum for Acid Fast Bacilli only (Sputum AF B)	90
Sputum for Culture (Culture for TB)	140
CSF for Diptheria	125
Culture for Diptheria	105
GASTRIC ANALYSIS
Gastric Contents for Routine Analysis ( Gastric Analysis or Functional Test Meal )	215
Sternal Marrow Routine Cytology (Bone Marrow)	285
Basal Metabolic Rate (BMR)	250
Lung Function Test	250
PSYCHIATRY TEST
ECT	140
CO2	80
Psychology Testing	140
R I A	300
T3	30
T4	125
TSH, LH, FSH, Prolactin (for each test)	430
Testosterone	430
Parathyroid	430
Estrogen (Total)	430
ACTH	430
HbsAg by RIA or EIA	500
FOR SURGICAL INVESTIGATION & TREATMENT OF CANCER
Scopies & Biopsies	500
Chemotherapy :
Single Drug Therapy per day	1000
Multiple Drug Therapy per day	2000
Infusional Chemotherapy	3000
OXYGEN CHARGES
Oxygen Charges	@ Rs.30/- per hour subject to maximum of Rs.300/- per day

ANNEXURE -- II

OPERATION CHARGES

	100% for self and 75% for dependent family members of the amount actually incurred or the amount as mentioned below against each item, whichever is lower
	Rs.	Rs.	Rs.
	Special Operation	Major Operation	Minor Operation
(a) Operation Theatre Charges	3,000/-	2,000/-	650/-
(b) Anaestheist’s Charges	3,000/-	2,000/-	650/-
(c ) Surgeon’s Fees for Operation (including Fees for Assistants )	10,000/-	6,500/-	2,100/-
(d) Expenses for dialysis, blood transfusion, Heart Valve Replacement, Angiography, Implanted items during surgery wherever they do not form part of package charges and Pace maker may be reimbursed at the rate of 75% for family members and 100% for workman himself at rates not exceeding the rates applicable to lowest paying bed of AIIMS, New Delhi. Indicative list of Special, Major & Minor Operations is appended below: SPECIAL OPERATIONS : Cardiac including By-Pass Surgery, Brain, Lung & Cancer Operations, Kidmey/Liver Transplantation Operation, Bone Marrow Transplant and Multiple Fractures ( time taken is more than 3 hours). MAJOR OPERATIONS : Kidney Stone (including lithotripsy), Prostate, Thyroid, Caesarean Delivery, Gastrectomy, Hysterectomy, Fractures, Amputations, S.P. Nailing, Discoidectomy, Retina Detachment, Liver & Gall Bladder, Plastic Surgery (not for beautification), Cataract ( with IOL), Hernia, subject to Bank’s discretion ( time taken approximately 1 to 3 hours ) MINOR OPERATIONS : D & C, Fissure, Circumcision, Small Hydrocele, Dilatation, Vasectomy, Abscess, Bilat, Hydrocele, Appendix, Tubectomy, Piles, Fistula, Minor Operations of the Eye,Nose and Ear (time taken approximately 60 minutes or less ) Note :- Operative Interference done using state-of-the-art medical techniques taking less than the time indicated as above will not alter the nature of the operations.

ANNEXURE - III

SCHEME OF REIMBURSENMENT OF EXPENSES INCURRED

BY THE WORKMEN

FOR TREATMENT ABROAD

1. As a rule, reimbursement of expenses incurred by workmen and their family members on treatment abroad will not be allowed.

2. In exceptional cases necessitating treatment of a kind yet to be widely established in the country, where workment on medical advice obtained in the manner indicated below, chooses to go on their own for treatment abroad, permission for treatment abroad may be granted by the Board of Directors of the bank subject to conditions laid down hereinafter and limited to the expenditure that would have been incurred had such treatment been received in India in a governement hospital or a nursing home speciall recognized by the Director General of Health Services of the Governement of India.

3. The reimbursement of expenses incurred on air passage for travel abroad in connection with such treatment will not be reimbursed.

4. Foreign exchange may be released to the workmen for the purpose of treatment abroad to the same extent as is permissible to private citizens.

5. Hospitals and clinics indicated in paragraph 9 below have facility for specialist treatment for which requests are generally received for treatment abroad and in respect of which treatment facility in ordinary hospitals may be availed of by the eligible workmen. In such cases, reimbursement may be allowed subject to the authority sanctioning reimbursement being satisfied about reasonableness of the claim.

6. The following ailments have been identified as ailments for which treatment in India is not yet widely established :

i) Cadaver Kidney Transplant;

ii) Old Operated by-pass surgery cases (in which the initial operation was done abroad) needing revascularisation;

iii) Bone Marrow Transplant;

iv) Operative Correction for high Myopia Cases; and

v) Complex Cyanote – Heart – Lesion and newly born infants suffering from heart diseases.

7. Reserve Bank of India (RBI) will constitute Medical Boards at Mumbai, Delhi, Kolkata and Chennai and at such other centers as may be considered necessary for the purpose of recommending whether an employee would be covered under the scheme. The annual cost incurred on meeting of the Board by way of sitting fees, etc., shall be shared on an annual basis by such of the banks which avail of the services of the Medical Boards of examining cases of their workmen needing treatment abroad, in a manner as may be decided by the RBI. The Medical Board should make a specific recommendation and also give reasons for recommending treatment abroad. The Medical Board will submit its report to RBI, which in turn, could pass it on to the concerned Bank.

8. For the purposes of reimbursement, as envisaged in the scheme, the schedule of charges as applicable for private ward treatment at the All India Institute of Medical Sciences, New Delhi, enforced from time-to-time, should be adopted.

9. The following institutions have been identified as having facilities for specialized treatment :-

(a) Bypass Coronary Surgery :

i. Southern Railway Headquarters Hospital, Perambur, Chennai

ii. Christian Medical College and Hospital, Vellore.

iii. K.E.M.Hospital, Mumbai.

iv. Jaslok Hospital, Mumbai.

v. Bombay Hospital, Mumbai.

vi. Kasturba Hospital, Bhopal.

vii.Sree Chitra Tirunal Institute of Medical Sciences and Technology, Trivandrum.

(b) Kidney Transplant :

i. Christian Medical College & Hospital, Vellore.

ii. All India Institute of Medical Sciences, New Delhi.

iii. Post Graduate Institute, Chandigarh.

iv. Jaslok Hospital, Mumbai.

(c) Blood Cancer :

i. Tata Memorial Hospital, Mumbai.

ii. Cancer Institute, Adyar, Chennai.

(d) Complicated Heart Surgery Cases :

i. Southern Railway Headquarters Hospital, Perambur, Chennai

ii. Christian Medical College and Hospital, Vellore.

iii. K.E.M.Hospital, Mumbai.

iv. All India Institute of Medical Sciences, New Delhi..

v. Bombay Hospital, Mumbai.

vi. G.B. Pant Hospital, Delhi.

vii. Sree Chitra Tirunal Institute of Medical Sciences and Technology, Trivandrum.

viii. Post Graduate Institute, Chandigarh.

ix. S.S.K.M.Hospital, Kolkata.

x. Samaritan Hospital, Alwaye ( Kerala).

xi. Kasturba Hospital, Bhopal.

xii. N.M. Wadia Institute of Cardiology, Pune.

*********

HOSPITALISATION EXPENSES

Details

Extent of reimbursement

Other places

Rs per visit

Rs per visit