Is designed to offer a customized health check package at the best possible rates at specific providers which would understand members health status , evaluate & review health reports and provide healthcare solutions, health vitals will also allow access to online health risk assessment & Permanent Health record portal along with other healthy value adds throughout the year.

Which includes:

• Health risk assessment
• Health checks
• Customized health check ups
• Permanent health records
• Discounts at various health affiliates
• Call center assistance

Impalement of Diagnostic centers after due diligence,

• Finalization of rates, tariffs and document templates for different insurance companies,
• Member health-check up – fixing appointment and communication,
• picking up reports,Digitizing reports and uploading for on line access,
• MIS and Analytics

Telemedicine is the use of telecommunication and information technologies in order to provide clinical health care at a distance. It helps eliminate distance barriers and can improve access to medical services that would often not be consistently available in distant rural communities. It is also used to save lives in critical care and emergency situations.

Tele-Medicine provides world class second medical opinions and treatment plans electronically from the best medical centers in North America for life threatening illnesses (serious and critical) utilizing advanced and secured telecommunications technology.

This service can be requested when you and your doctor decide a second medical opinion would be helpful in situations like:

• serious diagnosis and want to be reassured.
• Any additional medical questions.
• Any choice of treatment options.
• When facing a high risk surgery.
• When multiple medical problem.
• When physician wants to be certain that there is no better solution available.

Chronic diseases are increasing rapidly throughout the country. Disease management is a system of synchronized health care intervention and communication for people with conditions in which self-care efforts are important. Scientific & technological trends in the healthcare industry have shown tremendous potential in personalized medication and treatment. Healthcare innovations have revealed how local challenges can be addressed by cost & accessibility management. Overall objective of disease management program is to enhance healthcare value equation given as under:

Healthcare Value = Treatment Outcome + Patient Satisfaction Cost of Treatment & Follow-up care

Disease Management aims at following key results:

• Ease in patient care co-ordination
• Improved clinical results
• Reduced medical expenditure
• Enhanced patient satisfaction

We at Madarat bridge the gap between chronic care and preventive lifestyle condition screening. Our personalized disease management program address issues like therapy compliance, ailment specific prevention & awareness programs and management of chronic diseases. We use proprietary tools to identify risks and using evidence-based treatment protocols in decision making which is critical to the success of disease management program.

Health Risk Assessment (HRA) is an assessment of severity or likelihood of an adverse health condition through a comprehensive questionnaire related to health and lifestyle.

It helps one identify the kind of diseases or health problems a person is at a risk of getting owing to his lifestyle. It also gives recommendations for minimizing risks and enhancing the quality of health. It gives suggestions for changes in lifestyle in areas such as fitness, nutrition, stress management, weight management and safety.

• User-friendly questionnaire
• An online tool accessible, anytime from anywhere
• Questionnaire can be completed in one or more sitting
• Extensive and customized administrative reports
• Quick information transfer capability via the Internet to your computer for report generation

Some benefits of HRA includes:

• Personalised and detailed report highlighting the key areas users need to focus on
• It helps individuals become aware about health conditions rather than be ignorant
• It provides a snapshot of their overall health status
• It provides guidance to act now to prevent the likelihood of a disease from occurring in the future
• It encourages users to adopt a healthy lifestyle

Insurance fraud is described as an intentional act - of deceiving, concealing, or misrepresenting information that results in healthcare benefits being paid illegitimately, to an individual or a group. The purpose of investigation is to ascertain the authenticity and genuineness of referred suspicious claims basis the evidences collected thereby mitigating fraudulent activities and intent. Our team of investigators includes medicos, paramedics, legal advisors, panel of honorary medical experts & experts from insurance industry.

Why do we investigate insurance claims?

• To control the claim ratio (ICR – Incurred Claim Ratio)
• To understand the behavior of hospitals in Region
• To identify the adverse claims behavior
• To identify the nexus if any, between any hospital and agent / client or other intermediary
• To confirm hospital eligibility as per the policy conditions
• To control prolonged hospitalizations and over-billing / over stay
• To identify good hospital who are willing to work on reasonable SOC under TPA network of hospitals
• To synchronize and educate hospitals / patients to utilize the policy in proper manner
• To find frauds and misrepresentations
• To find pre-existing ailments, OPD converted into IPD
• To find authenticity of claim submitted
• To find the existence of insured, any impersonation done