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What are the services offered by Milvik?
Milvik offers Milvik Life and Milvik Health services which include coverage for life and health as well as mHealth services. Currently, we are live with Milvik Health service and will be launching Milvik Life very soon.
What is Milvik Health Service?
The Milvik (BIMA) Group has created full-service micro-insurance and mobile healthcare solutions to serve the healthcare and security needs of the customers.
What are the mHealth services offered by Milvik?
Milvik mHealth services include 24X7 tele-doctor services, SMS-prescriptions, and access to discounts from our partner labs, clinics, and pharmacies.
How to register for Milvik services?
You can walk-in to any of our sales locations in Kolkata and speak to our Sales team members. Alternatively, you can call our Customer Service team on 080-69088088; they will guide you and help you select the desired package.
Who can register for Milvik Health?
Any Indian national, aged between 18-65 years can register for Milvik Health. After registration, customers will be covered for their entire lifetime. For children (of customers) covered under the Family plans, the age limit for registration is between 5 years and 24 years. Children will be covered till they attain 25 years of age.
What is hospital cash?
Hospital cash is a daily fixed amount for each night of in-patient hospitalization.
From when I can claim the benefits for Milvik Health?
Coverage starts after 30 days from registration, except in the cases of injuries/accidents where it is applicable immediately. For example, if you register on 10th July, your coverage will start on 10th August, although you will be eligible for accidental cover from 11th July. Please note, to be eligible for claim, the incident must happen after the coverage period starts. However, for pre-existing diseases you cannot claim before 6 months from the registration confirmation date (the day of the first payment) and for maternity reasons you cannot claim before 9 months from the registration confirmation date.
What is a medical test discount?
Milvik has a network of 4,300+ partner labs and clinics across the country where Milvik customers can get 10%-30% discount on the selected services i.e. pathology, radiology, etc.
How do I talk to a Milvik doctor?
To talk to our tele-doctor please call our helpline number +91-7669914165 to register your request. A licensed medical practitioner will call you back shortly and provide you with the consultation.
What is tele-doctor service and who can avail that?
Milvik has tied up with DocOnline, a leading online doctor consultation platform, to provide tele-doctor service to you. Their dedicated team of in-house qualified doctors are available 24X7 to attend to your needs. Only the subscribers of Milvik Health can avail the tele-doctor service.
What is the payment method for Milvik services?
Currently we accept payment through our payment partner, Razorpay, where you can pay by UPI or any credit/debit card. After registration, a payment gateway link will be sent to you via SMS; you have to click on the link and make the payment.
What are the payment frequencies available?
For Milvik Health, we have a monthly payment frequency available.
How can I enable monthly payments?
After registration, when you “agree” for Razorpay subscription payment, you are authorizing deduction of the service charge amount from your bank account (via UPI, credit or debit cards) on a monthly frequency as chosen during registration.
When is service charge deducted?
The first service charge is deducted right after the payment authentication in the Razorpay payment gateway after registration. For a monthly subscription, the service charge is deducted on the same date of every month. For example, if your first payment was on July 10th, your subsequent payment dates will be the 10th of every month.
What happens if I don’t have enough balance in my bank account during deduction?
For a monthly subscription, if you don’t have enough balance during the first attempt, you will have two more chances to pay for the month. There will be 2 further attempts on the successive days (n+1, n+2) after the payment fails on the day of deduction. For example, if your payment date is on the 10th, in case of unsuccessful payment, the 2nd attempt will be made on the 11th, and the 3rd attempt will be made on the 12th. If all the payment attempts are unsuccessful, you will not have any coverage for the next month.
How is coverage in a month decided?
For a monthly subscription, if the customer pays the monthly charge, then he earns full coverage; if no charge is paid in a month, then there's no coverage for the next month.
What happens if I cannot make any payment in a month?
If all the payment attempts are unsuccessful in a given month, you will not have any coverage for the next month.
Is there any way to pay for the missed payments?
You can reach out to our customer service team for help on 080-69088088.
How do I register a claim for hospital cashback?
Claims can be registered online on the Care Health Insurance "Self-Help Portal" (https://www.careinsurance.com/self-help-portal.html) or through the Care Health-Customer App. You can reach out to the Care Helpdesk by phone on 1800-102-4488 or email on [email protected], or directly walk into any of their branches for guidance.
Which documents are required for filing a claim?
You are requested to scan & upload the following documents received from your hospital. Also submit additional documents, if any. a) Attested copy of indoor case papers b) Original hospital discharge summary c) Original final hospital bill with item wise break-up d) Original paid receipt against the final hospital bill e) Original consultation papers of medical practitioner f) Original cancelled cheque in the name of the policyholder g) For all claims amounting Rs.1 lakh or above please provide copy of any one of these KYC documents (Aadhaar Card, Passport, Driving Licence Voter ID, etc).
How do I submit the documents?
You will have to send all the claim documents with the reimbursement claim form by courier to the any of the Care branch offices or the head office. The relevant addresses will be provided to you at the time of registering the claim through the Care Helpdesk. Alternatively, you can scan and upload the claim documents online through the Care Health Insurance "Self-Help Portal" or the Care Health-Customer App.
How and when is the claim amount paid?
The claim amount will be credited to the applicant's bank account submitted at the time of filing the claim, within 15 working days of submission of all the necessary documents. You can check your claim status online or through the Care Health-Customer mobile app.
MILVIK (known globally as BIMA) uses mobile technology to deliver affordable insurance and health products to underserved consumers and their families in emerging markets.
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