How MediBuddy turned Rajni into a Celebrity!


Rajni had been noticing that her boss, Jagdish, had seemed preoccupied the past couple of weeks. He was missing important deadlines, and was generally keeping aloof. Not one to meddle in others’ business, Rajni kept out of his way but the sudden change in her boss’s demeanor concerned her.

As Jagdish approached her cubicle that day to enquire on a pending task, she mustered courage and asked him if everything was alright.  He laughed off her concern, and then eventually opened up.

Jagdish’s father was an artist, whose rapidly failing eyesight had ultimately led to the diagnosis of a cataract. It pained Jagdish to watch his father struggle with his canvas and easel every day, and he wished he could convince him somehow for the surgery. But his father, keeping into perspective Jagdish’s busy life, didn’t want to burden him with the complexities around his surgery. Helplessness was slowly beginning to set in, and Jagdish didn’t know whom to turn to.

Rajni was fast to react, and let loose a flurry of common knowledge, which, as it turned out, was not so common after all. “Sir, with all due respect, are you aware of MediBuddy?” She saw the hesitation on Jagdish’s face, and didn’t want to put him in a spot. So she went on.

MediBuddy is a self-help online platform that lets you be totally in control of all your healthcare needs. We can use MediBuddy to manage our health insurance and wellness benefits from wherever we are, on-the-go! In your father’s case Sir, you can opt for eCashless, where you can make his cataract surgery completely cashless and get a provisional preauthorization even before you step into the hospital! You can locate network hospitals, track claims in real-time, apply for reimbursements online, view your e-card, access electronic medical records 24×7, order medicines and….whew! That’s just the tip of the iceberg!  So, you can easily assure your father, that all you need to do is make a couple of clicks, and his hospitalization will be taken care of! Sir, I’d suggest you download the MediBuddy app and try out these awesome features right away!” She finally breathed.

There was pin-drop silence. She looked around. All eyes were on her. She began to say something, but her words drowned in applause! Jagdish looked like he had received the highest form of enlightenment, and clearly, Rajni, in his eyes, was the hero who had saved the day.

An eager colleague pointed his pen and mock-interviewed her, “Anything you’d like to say on your new-found celeb-status?”– “Well”, said Rajni, “MediBuddy is the real star, not I!”

If you can relate to the story, or know someone who can identify with it, share now!

The Heart of the Matter


In our previous blog, we shared the announcement made by the National Pharmaceutical Pricing Authority (NPPA) on the reduction of stent prices by up to 85%, reducing the financial impact of hospitalization on the families of patients undergoing an angioplasty surgery. Here is a follow up

Recent news articles seem to suggest that hospitals and medical centres are balancing the financial impact of the cost reduction in stents by increasing other charges that are usually involved in an angioplasty surgery. This practice could potentially render the new ruling ineffective, and would not allow the overall benefit of the price reduction to reach the patients.

Medi Assist members, however, would remain insulated from such situations on account of the exclusive package tariffs contracted by us with our network hospitals. These ailment-specific packages are available at negotiated rates, and when a member chooses a package, the hospitals cannot charge more than the agreed package pricing. Not only does this ensure a hassle-free cashless hospitalization for our member, but also helps them safeguard their sum insured. Corporate decision makers and insurers also benefit from the overall reduction in cost of hospitalization.

Medi Assist currently has negotiated packages for 120 common procedures, which can be availed at 3400+ network hospitals. Importantly, 62% of our network hospitals that offer PTCA (Percutaneous Transluminal Coronary Angioplasty), are covered by our exclusive packages.

So opt for packaged tariffs, protect your sum insured, and be worry-free with Medi Assist!

Read the detailed note on the NPPA notification in our previous blog here.

Valentine’s Day made Special for the Heart

Now here’s an unexpected Valentine’s Day gift for angioplasty patients. The National Pharmaceutical Pricing Authority (NPPA) has, with immediate effect from 14 February 2017, capped the prices of drug eluting stent at INR 29,600/- and that of bare metal stents at INR 7,260/- — slashing costs by as much as 85 percent. All stent manufacturers and importers would now have to price their products below the notified ceiling price.

This is a welcome move that would go a long way in making healthcare truly affordable for the millions of heart patients in the country. Even as the incidences of heart diseases continue to increase at an alarming rate, the data shared by the NPPA notes an exponential jump in prices of stents by as much as 1,000 percent from production till the time it reaches patients.

Heart patients in need of an angioplasty would now have to spend considerably lesser on their treatment, significantly reducing the financial impact of hospitalization on their family.

What does this mean for you, dear Medi Assist member?

If you / your family member has only recently undergone an angioplasty, do make it a point to check your bill and reconfirm the amount billed against the stent. You could expect some temporary glitches in the billing – this is after all a significant change that has been made effective immediately without much prior notice.

If you are planning an angioplasty in the coming days / weeks, consider opting for an eCashless hospitalization using your MediBuddy app. This will allow you to identify the estimated cost of treatment under the new notification and as per your policy terms and conditions, without having to step out of your home or make multiple calls to the hospital. Not to mention the sheer comfort of a green channel walk-in on the date of admission.

For those of you who have just undergone the treatment just before the announcement of the slashed rates, do take heart. As you plan your post-hospitalization check-ups, medicines, etc., do make sure to avail the exclusive discounts available to Medi Assist members on services booked on MediBuddy Infiniti. Use offer code WELCOME10 for exclusive additional discounts on select services such as health check packages. After all nothing means more to us than your speedy recovery and happy heart.

Happy Valentine’s Week to all!

Get visibility into your hospitalization expenses, with eCashless!

All of us leCashless gives visibility into out-of-pocket hospitalization expensesove surprises, but not when they come wrapped in hospital bills!

When you have planned to utilize your insurance policy to make your hospitalization cashless, there are often times when you are faced with ‘additional expenses’ that you have to pay out of your pocket. Since most of us may not be fully informed of the minute details that make up our insurance policy, there is a chance that we expect a particular cost to be covered by the policy, when in fact it is not.

eCashless bails you out of such painful and ‘unpredictable’ situations when we are caught unawares and are therefore not in a position to bear the costs for non-admissible expenses during hospitalization.  It gives you visibility into the estimated cost of treatment ahead of hospitalization, which means that you can plan your out-of-pocket expenses in advance.

An eCashless request needs to be raised at least 48 hours in advance from the time of hospitalization, and can be availed via the MediBuddy portal and app, from the comfort of your home! Through eCashless, you get a provisional preauthorization based on your insurance policy. You are therefore able to get the estimated cost of treatment based on the coverage as mentioned in your policy, even before you step into the hospital.

eCashless, in essence, enables patient choice, better cost of care, green channel admission, real-time visibility and optimal use of health benefits.

So, don’t remain in the dark regarding your out-of-pocket expenses resulting from your cashless hospitalization. Opt for visibility, choose eCashless on MediBuddy !

How Managed Care helps Optimize Medical Spend

Prashant Jhaveri, Chief BusManaged_Careiness Officer, Medi Assist  recently wrote an article for the Silicon India in which he discussed about the concept of Managed Care Organisation (MCO) and its importance in the Indian Healthcare Ecosystem. He also discussed about the various techniques deployed by MCOs to promote informed decision making and reduce overall cost of care for consumers.
Scroll down to read the complete article, or click here.

The concept of managed care, aimed at reducing cost of providing quality healthcare, is still in its nascent stage in India. A popular concept in the United States, the need for managed care organizations is perhaps far more acute among developing nations such as India. Medical inflation in India stands at 12-15 percent as against a global average of 6-7 percent. Despite the steep rise in cost of healthcare, the IRDA Annual Report 2014-2015 indicates that only two percent of the Indian population is covered by individual health insurance policies; and only another four percent are covered under group medical policies. In the absence of any medical cover, the average Indian family today grapples with high out-of-pocket expenses on account of healthcare.

A recent report by FICCI suggests that primary healthcare accounts for over 70 percent of all medical spend and that the per capita spend of urban households on outpatient care is approximately Rs. 4,250 per person, a typical urban family of four adults, therefore, spends an average of Rs. 17,000/- per month on doctor consults, medicines and diagnostic labs. Add to this the inherent lack of transparency within the healthcare ecosystem. While it is, for example, easy for one to compare myriad options, choose and book holidays, travel, stay and so on, consumers do not have such deep visibility into the options available to them when planning their medical spend. Managed Care Organizations (MCO), therefore, have a significant role to play in the Indian healthcare ecosystem. Not only do they bring all the stakeholders of the ecosystem together, they also work towards deploying techniques to promote informed decision making and reduce overall cost of care for consumers.

MCOs Negotiate Early

Managed care organizations partner with healthcare providers to obtain preferred tariffs and discounts for their members. While the preferred pricing helps increase visibility and footfalls for the provider, it helps reduce cost of care for the individual. MCOs also deploy various loss control measures to ensure that, in the event of a hospitalization, members are provided most optimal care at the most optimal price point at their chosen network medical centre.

MCOs Tech-enable early

Managed care organizations, which collaborate with all stakeholders in the healthcare ecosystem, are best placed to invest in technology for transformation. Technology allows all stakeholders to come onto a common platform to improve speed of access and quality of delivery. Our technology platform, MediBuddy, for example, allows hospitals to provide seamless cashless access to in-patient and outpatient services to their patients; it gives insurers and corporate decision makers deep visibility into the performance of their health benefits portfolio; and importantly, it gives every individual member the power to compare, choose, and schedule healthcare services using just their mobile phone from the comfort of their home. The predictive analytics capabilities help decision makers spot trends and take informed product and service delivery decisions for the future.

MCOs Help Plan Early

Planning is the key to optimal decision making. For example, a planned maternity can help the family ensure greater comfort for the mom-to-be and also help the young couple reduce their out of pocket spend by optimally utilizing their health benefits. Similarly, a managed care organization can help senior members planning an elective surgery to opt for cashless hospitalization at a preferred network, at a discounted preferred pricing. Innovations such as e-Cashless allow members to choose their preferred network medical center and obtain a provisional preauthorization using a mobile app for a cashless hospitalization. E-Cashless also gives the family full visibility into the expected cost of treatment, amount covered under their policy and the corresponding out of pocket spend, if any.

MCOs Intervene Early

Fraud and abuse control is critical to the success of any health benefits program. Managed care organizations play a significant role in ensuring that the benefits are availed by genuine beneficiaries and as per the terms and conditions defined by the benefits policy. New-gen MCOs use a combination of technology and professional expertise for risk detection and mitigation. MCOs have been credited with generating significant savings for the industry on account of their diligent interventions. Managed care organizations are poised to play a crucial role in these transformative years of the Indian healthcare industry. With deep understanding of the often divergent needs of all stakeholders in the industry, technology leadership and an optimistic vision for the future, MCOs are here to bring about disruptive change in how we think about healthcare spend.

Budget should enhance limits available under Section 80D

Prashant Jhaveri, ChieUnion Budgetf Business Officer, Medi Assist, shared his thoughts on the various reforms to be considered with regard to the Health Benefits industry in the upcoming 2017-’18 budget.

Scroll down to read the complete article, or click here.

The Union Budget will be a crucial one in the light of reform initiatives undertaken by the present Government. It is expected that there will be a slew of changes on the taxation front and policies for financial services sector. When it comes to health insurance sector, the Budget should take into consideration the below reforms.
a) With rising insurance costs, the budget should actively look at enhancing the limits available under Section 80D for deduction of Insurance Premium.b) Online healthcare aggregators do not get benefit of the provisions of “aggregator” under service tax Act as healthcare is an exempt service. For new innovative business models to thrive it will be important to take a consistent view on applicability of service tax.c) More clarity should be provided on applicability of service tax on auxiliary healthcare services rendered by service providers. While healthcare services are exempt from service tax, if the same services are rendered by a non-clinical establishments, it is subject to service tax. This presents a disparity in levy of service tax on essential services like healthcare diagnostics and preventive healthcare.

This Year, Appoint MediBuddy as your Personal Manager for Health Benefits

MediBuddy_corporate-logoIt’s a brand new year…are you still using the old, tedious methods to manage your health insurance benefits? Thousands of people across the country are enjoying the comfort and convenience of MediBuddy; it is time YOU switched too!

The MediBuddy platform, which is available both as a portal and an app, is a powerful self-help tool that not only helps you manage your health insurance benefits, but also helps you reduce the overall cost of healthcare for yourself and your family. It gives you access to a host of benefits related to your health insurance and wellness.

With MediBuddy, you can:

  • Explore details of your Policy
  • Enroll yourself and your beneficiaries under your policy
  • Plan your hospitalization and obtain a provisional preauthorization even before the date of hospitalization through eCashless
  • Raise and manage claims online in a hassle-free way
  • Track your claims in real time
  • Locate network hospitals through a GPS based search
  • View and download e-cards on-the-go
  • Order medicines to your doorstep, and do much more…

Still thinking? Why not give MediBuddy a try and explore for yourself!

Sign up on to activate your account or visit You can also give a missed call on 1800 3010 1696 and we’ll send the download link to your phone.

Download the MediBuddy app today by clicking these links.


Welcome to The New and Improved MediBuddy+ v3.3


As our health service provider partners, you have been using the MediBuddy+ portal for hassle-free claims management processes. We have some good news for you! We have made your MediBuddy+ portal even better!

The MediBuddy+ v3.3 has the following notable features:

Finance Reconciliation

One of the pain points for you has been offline reconciliation. The claims reconciliation cycle is now completely online, and you can accept/dispute issues in real time.

Documents Tracking

No more issues of lost documents! If you have submitted the original claims documents to Medi Assist, you can update the tracking number/acknowledgement number online.

Pre-authorization Cancellation

You can now cancel a pre-authorized claim if the patient for whom the claim has been raised is not hospitalized.

Enhanced Dashboard

View and download claims details in real time.

Enhanced Profile page

You are in for a much better experience and a faster, more responsive online portal. You can also preview your profile page and view the profile completion status.

So, log onto your enhanced MediBuddy+ portal today to explore and enjoy a superior experience.

Yet to configure your MediBuddy+ profile? Make a start this New Year! Hop on board now on!

Now Access All Your Agent Portal Features on MediBuddy App

MediBuddy app

As a health insurance agent, you are an important partner to us who ensures that the Medi Assist advantage reaches our retail customers. We had created the MediBuddy agent portal exclusively for you to make your life simpler and empower you with all the information you need to serve your customers better.

We just made the features of the portal more accessible to you, through the MediBuddy app! Some of them include:

• The ability to create your own preferred login to access the portal
• Visibility into your customers and their policies. You can also know when their policies are due for renewal.
• Ability to obtain real-time status of your customers’ claims
E-card downloads for your customers anytime and from anywhere
• Map-based search to locate a preferred network hospital or ability to filter network hospitals by insurers
• Better data management of Medi Assist and non-Medi Assist customers.

All you need to do is download the MediBuddy app and sign in with your login credentials.

So, take advantage of the improved accessibility! And take control of your customers’ health benefits anytime and from anywhere.

Go Hassle-free This New Year with eCashless

ecashlessWith the New Year here, most of us already have new health-related goals. Achieving these goals require a few lifestyle changes. It requires that we shed a few old habits and pick up a few new and positive ones. Why not begin with changing the way you plan your hospitalization?

Planning inpatient admission has gone through a sea of change over the years. People are gradually moving away from reimbursements towards cashless services in most cases of hospitalization due to the convenience the latter offers. With cashless hospitalization, people can conveniently avail inpatient services at network hospitals with minimum out-of-pocket expenses, which translates to significant savings.

This year, go one step further. Choose convenience over concern for booking your cashless admission. Choose eCashless from Medi Assist. The eCashless service available on the MediBuddy app and portal has several advantages over the traditional cashless admission. You can:

  • Eliminate spending time standing in the queue at the insurance desk at the hospital on the day of admission to get an approval
  • Obtain a provisional preauthorization from the comfort of your home or office
  • Have visibility of the estimated cost of treatment beforehand, which means that you can plan your out-of-pocket costs in advance
  • Request your preferred type of room, and
  • Track the claim status anytime and from anywhere.

So, move ahead with the times. Begin the New Year with a new way of opting for your inpatient hospitalization. Choose eCashless!