A2H … Is this a new Insurance Fraud?

Today, I have received a new proposal on phone from a person representing A2H health services stating that he is speaking on behalf of Citi Bank and extending the service I am presently using with them.

The details of the proposal were as follows: (E mail received from venkata2hindia@gmail.com

Quote:

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Dear Sir,

This plan is a combined package of Preventive Health Check-ups and Medical discount card packages. Preventive Health Check-up with 60 tests are most essential tests designed by medical experts which includes tests related to your heart, Kidney, Liver and other vital organs of human body . Any malfunction in the health status will be clearly highlighted in the report which helps in taking precautionary measures to maintain good health status.Card Benefits

  • Covers four members in the family
  • Members will be provided with health check packages and four med cards
  • 4 packages will be provided for your family members only.
  • Being proactive in taking care of health is the best way to reduce all unforeseen medical expenses.
  •  Access your full body health check report @ Home.
  • Avail doctor tele-consultations
  • Clinics & Hospitals- Consultations & Treatments
    Access the best Clinics, Hospitals, Super specialty hospitals & Multi Specialty hospitals with discounts on
    Hospitals, Multi Specialty Hospitals, Clinics & Nursing Homes
    • Consultation   – 50%
    • Treatment       – 30%
    • Labs & Pharmacies

      Access the best chain of labs & Pharmacies to avail up to 20% – 30% discounts

    • Dental treatments 30% discount
    • Age limit (90 days to 100 years)
    • Pregnancy & Maternity coverage
    • All existing diseases will be covered under this plan immediately
    • No waiting period for Pre existing disease like sugar , Heart problem , childhood disabled , cancer , etc
    • Unlimited sum assured
    • 24hrs admission not mandatory
    • Personal accident coverage for the premium payer with 2 lakhs sum assured
    • Motor insurance renewal discount 60% for two wheeler & 4 wheeler on OD value  (4 optional vehicles)

PREMIUM 9980 FOR FAMILY 4 MEMBERS

ALL TREATMENTS  FOR DENTAL CONSULTATION ABSOLUTELY FREE

Meanwhile, we have furnished the detailed benefits of the membership for your reference below.

5 Key Benefits for a family of 4 Members

Benefits       Details

 Unlimited Telephone Consultations with the  doctors through toll free numbers without  hospitalization,avoid all your travel  expenses for going to hospital.Get unlimited tele-consultation with A2H tele-medicine center for any health problems / decision in your family. Be it your normal fever, cold or High BP, Diabetes, Heart problem, etc our doctors will be able to provide the appropriate advice, prescription, motivations / guidance to manage your health better. Our doctors are trained & certified for tele-medicine as per Swiss quality standards and follow a protocol built with an expertise over 15 years to provide effective diagnosis on phone.

5 FREE Hospital Appointments&  consultation for any sort disease and treatments For any further intervention, you can choose to visit a specialists/doctors @ top hospitals like Apollo, Fortis, Max, etc or get a GP consultation at home. This facility is absolutely FREE for 5 times in a year for you and your family.

4 Absolute Free Master Health Checkup for 61 organs
FOUR  FREE comprehensive blood check package with home sample collection facility, each test includes 61 vital tests like Liver, Thyroid, Lipid, Iron deficiency and Diabetic screening.

2  Absolute Free Dental Cleaning, Scaling & Screening packages across A2H Dental partner centers like Apollo White,etc.

Avail TAX benefits under 80D to detect the tax amount for this year.

A2H Discount Cards for both  IPD &OPD

TERMS AND CONDITIONS

  1. SERVICES OFFERED BY Access 2 health care ARE NOT HEALTH INSURANCE POLICIES. The Services provides its Members with discounted services through Medical Service Providers
  2. Coupons / voucher /offers / services issued to you as part of the Services SHALL UNDER NO CIRCUMSTANCES BE REDEEMED ABLE FOR CASH AT ANY TIME.
  3. Access to health care is entitled, without any liability whatsoever, to refuse, limit, suspend, vary or discontinue the provision of any of the Services at any time for any reasonable cause as ACCESS 2 HEALTH CARE may deem fit.
  4. MEMBERSHIP TERM: Once the initial membership fee and any enrollment, processing or other fee is paid by you and received by ACCESS 2 HEALTH CARE , you will become an ACCESS 2 HEALTH CARE Member and will be entitled to the Services during from such date until the date of expiry stated on the ACCESS 2 HEALTH CARE membership card which will be sent to you.
  5. RENEWAL OF MEMBERSHIP: Members may be informed by ACCESS 2 HEALTH CARE about expiry of membership at least one month in advance of their membership card expiry date. It is the responsibility of the member to ensure that ACCESS 2 HEALTH CARE receives the payment for renewal of membership at least two weeks prior to the membership card expiry date. ACCESS 2 HEALTH CARE is not responsible and assumes no liability for any suspension or cancellation of your access to the Services in the event your renewal payment is delayed or if ACCESS 2 HEALTH CARE is unable to process or cash-in your payment cheque. In case of dishonored cheques, a penalty may be charged. Your access to the Services will be suspended from the expiry date on your current membership card until ACCESS 2 HEALTH CARE receives full payment for your membership for the next year.
  6. LOST CARD: In case of loss of membership card, ACCESS 2 HEALTH CARE will issue you with a duplicate membership card at a charge of Rs. 200 /- per card (plus the applicable taxes). The tenure of the membership will remain as specified in the initial membership card, and will also be stated on the replacement card. You will be solely responsible for any activity that is undertaken through your membership until you report your lost card to ACCESS 2 HEALTH CARE help desk.
  7. Refund policy : Within 15 days from the time of receiving the membership kit , For any clarifications you can reach up to our customer care or write to us seeking clarity , if found not satisfied you will be entitled for 100% refund of the amount paid by you . Please note Post utilization of any of the services refund won’t be entertained . Incas of full refund with in 15 days we will reverse the amount holding a basic processing or service fees which will be communicated at the time of processing the refund .
  8. Medical card : Discounts in consultations / treatments across clinics / hospitals / nursing homes will vary from hospital to hospital and access 2 health care provides you an assistance only with discount card access .
  9. Consultation voucher :To utilize the voucher with in validity time period. If validity time period is exceeded then access 2 health care reserves its right to extend the validity upon customer request by charging a basic fee extra,., Hospital registration charges ( varies from hospital to hospital) if any needs to be borne by the member itself .this package is valid only for OPD consultation and depends upon the availability of the doctor . Hospital reserves its right to put forth the consultation to any available duty doctor or specialist whosoever available during the time of appointment .This package is valid across only Access 2 health care network hospitals. Appointments are subject to availability of doctors and time slots
  10. Dental voucher :To utilize the voucher with in validity time period. If validity time period is exceeded then access 2 health care reserves its right to extend the validity upon customer request by charging a basic fee extra,., Treatment quality and results are sole responsibility of the dentist partner and access to health care is only a facilitator in organizing appointment and is not responsible for the tests results obtained from the dental clinic. If customer’s residence is in non-serviceable area then customer might have to visit the nearest dental clinic on our panel to avail services , details will be provided by the customer care medical officer upon seeking appointment .
  11. Master Health check voucher : To utilize the voucher with in validity time period. If validity time period is exceeded then access 2 health care reserves its right to extend the validity upon customer request by charging a basic fee extra ,.collection of sample , tests quality and reports delivery are sole responsibility of the lab partner and access to health care is only a facilitator in organizing tests and is not responsible for the reports or tests results obtained from the lab partner . If customer’s residence is in non-serviceable area then customer might have to visit the nearest lab partner , details will be provided by the customer care medical officer.

Thanks & Regards

VENKATESH.M

Sr.manager ( A2H)
8939390063
UNQUOTE:

I suspect that the offer is not genuine. The caller collects the name and e-mail addresses and suggests the payment of Rs 9980/- with or without EMI.

I have requested the caller to provide me further details.  Some people have already posted adverse information at mouthshut.com on this offer.

I want the public to be aware of this offer. In case the person gives me any evidence on why this offer is genuine, I will post it here.

In case the person does not provide convincing proof that the offer is genuine, it is to be treated as a possible fraud attempt.

I request the law enforcement in Bangalore or other places where such calls are received, to investigate further.

Police may check the number stated above or I may be able to provide more details if the Police wants to investigate.

If any body has further information on this offer, please let me know.

Naavi

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