To ensure smooth facilitation of cashless policy and documentation, the BMB has a dedicated third-party administrator (TPA)/insurance help desk. A list of empanelled TPA/insurance companies is listed for reference.
To avail in-patient hospitalisation services, follow the procedure stated below:
In case of denial of cashless service by the TPA, the patient is requested to settle hospital bills themselves. BMB will then supply all bills and reports to enable the patient to lodge their claim for processing and reimbursement directly with the TPA.
Being a referral & model hospital for many organizations, the centre has agreements with many PSUs, state government and private companies. For guidance for admissions and other processes, please contact the corporate. Our team of executives stand ready to assist you.
|2||Steel Authority of India Limited|
|6||Govt of Bihar|
|9||Coal India Limited|
|10||Govt of Mizoram|
|11||Tata Consultancy Service|
|15||State Bank of India|
|19||Hindalco Industries Limited|
|20||Garden Reach Ship Engineers Limited|
|21||Food Corporation Of India|
|22||West Bengal Police|
|23||Govt of Jharkhand|
|24||India Gvt MINT|
|25||Damodar Valley Corporation|
|26||Border Security Force|
|27||Uranium Corporation India Limited|
|29||Power Grid Corporation|
|32||Bharat Petroleum Corporation limited|
|33||Bharat Sanchar Nigam Limited|
|34||Chittaranjan Locco Motive|
|37||Kolkata Port Trust|
|40||Hindusthan Petroleum Corporation Limited|
|41||FERRO SCRAP Nigam Limited|
|46||BALMER LAWRIE CO. LTD|
|47||NATIONAL INSTITUTE FOR ORTHOPAEDIC|
|49||GOVT. OF TRIPURA|
|50||Govt of Nagaland|
|51||National Institute of Biomedical Genomics|
|52||Rashtriya Ispat Nigam LTD.|
|53||Central Warhousing Corporation LTD|
|58||Hindusthan Copper LTD.|
|61||GOVT. OF MEGHALAYA|
|1||National Insurance Company Limited|
|2||The New India Assurance Co. Ltd|
|3||The Oriental Insurance Company Ltd.|
|4||United India Insurance|
|1||Atal Amrit Abhiyan Society Limited|
|2||Central Government Health Scheme|
|3||Govt Of Tripura|
|4||Govt. Of Meghalaya|
|5||Govt. Of Mizoram|
|9||Regional Center Echs – Kolkata|
|10||Tripura State Illness Assistance Fund|
|11||Wbsh Family Welfare -Sishu Sathi|
|12||West Bengal Health Scheme|
|1||STAR HEALTH& ALLIED|
|2||HDFC ERGO GENERAL INS|
|3||BAJAJ ALLIANZ INS|
|4||ICICI LOMBARD GENERA INS|
|5||RELIGARE HEALTH INSURANCE CO. LTD.|
|6||Universal Sompo General Insurance Co Ltd|
|7||RELIANCE GENERAL INSURANCE CO LTD|
|8||MAX BUPA HEALTH INS.|
|9||Aditya Birla Health Insurance Co. L|
|10||FUTURE GENERALI INS.|
|11||IFFCO TOKIO GEN. INS|
|12||Reliance General Insurance Company Limited|
|13||Religare Health Insurance Co. Ltd.|
|15||Bajaj Finanace Limited|
|1||Ambuja Cements Limited|
|3||Hindustan Unilever Limited|
|5||Itc – Head Office|
|6||Itc – Khidirpore Factory|
|7||Mn Dastur And Company Limited|
|8||Tata Main Hospital|
|9||Tata Steel Limited|
|10||The Tinplate Company Of India Limited|
|3||FAMILY HEALTH PLAN LTD|
|4||HERITAGE HEALTH SERVICES|
|5||HEALTH INDIA TPA SERVICES|
|6||GENINS INDIA TPA LTD|
|7||PARAMOUNT HEALTH SERVICES|
|8||VIPUL MED CORP.PVT.LTD|
|9||MEDSAVE HEALTH CARE|
|10||SAFEWAY TPA SERVICES(P) LTD|
|12||Vidal Health Insurance TPA - GIPGA|
|13||UNITED HEALTHCARE INDIA|
|14||GOOD HEALTH PLAN LTD|
|15||Ericson Insurance TPA Pvt. Ltd|
|17||EAST WEST ASSIST TPA|
|18||Health Insurance TPA of India Ltd|
Given below are a few frequently used terms pertaining to medical insurance that you need to be familiar with.
A special benefit extended by an insurer or by the assigned TPA for availing medical treatment as an inpatient without the necessity to pay the treatment costs up front to the hospital. Under this procedure, the payment due to the hospital will be met out either by the insurer or by the assigned TPA. After the discharge from the hospital the bills pertaining to medical expenses incurred at the hospital, are sent to the Insurer/TPA, (subject to insurance policy and conditions) for reimbursement by the hospital. The hospital can claim in accordance to the pre authorised limit and additional cost as envisaged by the enhancement. In any case the upper limit of this facility cannot exceed the sum insured under the contract of insurance.
Repudiation of a pre authorisation request /admission liability/cashless facility and or settlement of a claim under the insurance contract.
Any difference between the amount claimed and admissible amount and also any violation of terms & conditions of the insurance policy or agreement.
Medical treatment for period exceeding 3 days for such illness/diseases/injury, which in the normal course would require care and treatment at a hospital but is actually taken whilst confined at home under certain circumstances (where the patient cannot be moved to the hospital or due to lack of accommodation – as per the definition of insurance policy).
A situation when insurer seeks to increase the limit of the authorized claim amount resulting from extension of hospitalisation.
The items that are specifically and expressly removed from the scope of the insurance contract and hence are not payable.
Medical treatment after getting admitted in a hospital.
The maximum limit up to which the insured can seek medical treatment under that mediclaim policy.
Individual, who by paying a premium, secures himself to receive medical treatment up to a fixed sum of money in the event of injury, loss or damage to his body.
A corporate body licensed by IRDA for underwriting various insurable risks against any or all insurable perils with an assurance to make good the loss in an unforeseen eventuality.
Insurance regulatory & development authority, a body constituted under the ministry of finance to deal with licensing, regulating and monitoring all activities relating to the insurers, brokers, agents, corporate agents and the TPA’s.
Restrictions in the operative clause of the insurance contract to the limit of benefits, use etc.
A card issued by your TPA with a primary purpose of identification. This contains the policy number, name and validity period. Many of the TPA’s prefer to place insured’s photograph & signature to improve its authenticity. Though it is being popularised as a cashless card, it serves only as a means to avail cashless benefit subject to the terms & conditions of the policy.
An insurance policy that covers hospitalisation expenses incurred during an inpatient hospitalisation. Please check terms and conditions of the policy to understand the nature and the scope of risk covered.
A situation arising out of treatment at the hospital for any bodily injuries sustained in an accident or an attempt of suicide, which needs to be intimated to the police and other concerned authorities for any investigation and procedures. For example burns, suicide, road traffic accident, assault, etc.
A hospital which has entered into an agreement/MOU with an insurer or a TPA to request pre authorisation, extend cashless facility and accept payment at a later date on submission of bill complying to the policy requirements. Those hospitals who do not have a prior agreement for cashless hospitalisation with your insurer/TPA are called non-network hospitals.
Taking advantage of the medical condition where one does not require immediate hospitalisation (as it would not affect his quality of life in any way), the insured seeks pre authorisation sufficiently in advance of actual admission in the hospital for treatment on cashless basis.
Terms and conditions outlining the details and the limitations of the insurance contract indicating the requirements for fulfilling or adhering to the contract of the insurance.
Authorisation issued by the insurer or by the assigned TPA for admission and treatment up to a value as deemed fit by the insurer, for treatment by the hospital. To receive pre authorisation one has to make a request providing the details contained in the pre authorisation Form.
Clarification requested to dispel any doubt pertaining to the line of treatment and the contract of insurance.
A facility under which the insured can claim the expenses borne by him during hospitalisation which is otherwise claimable under his insurance contract.
A telephone number (calls to which are not charged) provided by your insurer/TPA to get in touch with them for any clarification.
A corporate body licensed by IRDA for processing and setting on their behalf, claims arising under medical insurance policies and to coordinate with hospitals for all relevant and related processes.
The state-of-the-art and well-equipped infrastructure/facilities at the college provide students round the clock support to attain their academic performance, gives them an opportunity to learn innovative techniques and secure clinical experience in their respective areas.