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PHASE DISTRICTS COVERED Policy period
Phase-IV (1st Renewal) - 330 Procedures Adilabad, Hyderabad, Kurnool, Vizianagaram, Vishakapatnam, Nizamabad, Khammam, Warangal, Guntur and Krishna 17.07.2009 to 16.07.2010
Common Deficiencies:
  1. No single Health Insurance Policy covering 20 lakh Beneficiaries, hence did not qualify experience criteria.
  2. Services through TPA/Service Provider, who are engaged for a fee or a remuneration. This is against the requirement of in-house services stated in the bid document clause No.22.
  3. Incorporated cancellation clause with short period rate with 15 days notice by either parties and premium will be refunded only if there is no claim, which is not in conformity with the MoU clause 24 (1), (2) & (3) dealing with termination of contract.
  4. Congenital external diseases or defects excluded from coverage leading to incomplete coverage under the scheme as some of the packages get excluded on account of this.
  5. HIV associated beneficiaries excluded leading to exclusion of coverage to these patients under the scheme.
  6. Activity schedule beyond period of implementation date, hence scheme cannot be implemented from date of commencement.