IMA National Health Scheme
Approved in Central Council 2014
Started in 2015
With the Aim to provide financial assistance to its member and his/her spouse, children and parents in the event of hospitalization for treatment, diagnosis and management of diseases
Benefits of the Scheme
Treatment cost above Rs. 5000/ to 2Lakhs will be covered per year -It will be increased to 2.5 to 3 lakhs as membership grows. Members and his dependents with pre-existing Diseases like Cancer, Cardiac, Life style diseases or any other Serious diseases are allowed to join this Scheme.
This provision makes IMA National Health Scheme unique from other schemes
Fee Structure at the time of joining (First Year)
Payment Chart of NHS according to age group
Payment chart at the Time of Joining
| Age | AF | AMS | AFAC | Total |
|---|---|---|---|---|
| Less than 25yrs | 1000 | 500 | 2500 | 4000 |
| Above25 below35yrs | 1000 | 500 | 3000 | 4500 |
| 35 to below 45yrs | 1250 | 500 | 3000 | 4750 |
| 45yrs to 55yrs | 1750 | 500 | 3000 | 5250 |
| 55 to below 60yrs | 5000 | 500 | 5000 | 10500 |
| 60 to below 65yrs | 7000 | 500 | 7000 | 14500 |
| 65yrs to below70yrs | 8000 | 500 | 8000 | 16,500 |
| 70 to 80 yrs | 10,000 | 500 | 10,000 | 20,500 |
| Admission Fee is onetime Payment AMS &AFAC have to be paid every Year | ||||
Payment chart for renewal from 2nd Year onwards
| Age | AF | AMS | AFAC | Total |
|---|---|---|---|---|
| Less than 25yrs | nil | 500 | 2500 | 3000 |
| Above25 below 35yrs | nil | 500 | 3000 | 3500 |
| 35 to below 45yrs | nil | 500 | 3000 | 3500 |
| 45yrs to below 55yrs | nil | 500 | 3000 | 3500 |
| 55 to below 60yrs | nil | 500 | 5000 | 5500 |
| 60 to below 65yrs | nil | 500 | 7000 | 7500 |
| 65yrs to below 70yrs | nil | 500 | 8000 | 8,500 |
| 70 to 80 yrs | nil | 500 | 10,000 | 10,500 |
| AMS &AFAC have to be paid every Year | ||||
Salient Features of IMA National Health Scheme (NHS)
- In IMA NHS there is no escalation of annual premium amount even if the age progresses to the next slab for that particular insured amount. For example a person joining the scheme at the age of 25 years will be paying the same amount of Rs.3500/- till 55yrs as renewal fee per annum for an upper limit of 2 lakhs benefit.
- Scrutinizing committee will examine the genuineness of the claim. 75% of the Total bill will be reimbursed to a maximum of 2 lakhs. Will be increased to 2.5-3lakhs
- Allowed to join other insurance schemes and State Health Schemes. Total 3+2= 5 Lakhs benefits State HS+ National H.S
- All pre-existing diseases are covered including Cancer and Organ Transplant
- No medical screening test required for joining IMA National Health Scheme.
- Member can join till the age of 80 years. It is the only Scheme which allows the IMA member and his family to join above the age of 65yrs .For all other schemes age limit is restricted to 65 yrs as upper limit
- Immediate relatives of life members of IMA can also join.
- Original bills are returned at request with Self addressed cover with stamp, and hence can be utilised for other insurance schemes for claim.
- More than insurance companies, IMA NHS exist for the medical Fraternity and its family to provide financial help at the time of hospitalization.
- Rs.50/ is eligible per member enrolled as promotional fee to local Branch or Sate branch or individual who promote the enrollment of NHS
Website-. www.imanhs.com
It is an Additional Health Financial Scheme
Man by Professionals for profession.
No Bureaucracy, so member friendly
Office Bearers
| Dr. Sharad Kumar Agarwal National President |
Dr. Anilkumar J Nayak Honorary Secretary General |
Dr. Shitij Bali Finance Secretary |
| Dr. Ravindra S. Wankhedkar Chairman |
Dr. Gopi Kumar P. Hony. Secretary |
Dr. Aflred V. Samuel Treasurer |
IMA National Health Scheme Application Form
Rules and byelaw of IMA National Health Scheme
National Health Scheme updation