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BIHAR HEALTHCARE

2030and beyond...

Mission

BIHAR HEALTHCARE

2030and beyond...

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Our mission is to reach every household by 2030 and create a social awareness to the extent that people no more hesitate to walk up to the nearest health care centre to have themselves tested should they develop any symptom that could lead to a potential health hazard.

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”As per the NITI Aayog’s estimates, between 2017-18 and 2019-20, Bihar’s rank in health fell from 22 to 25 among 28 Indian states. Clearly, Bihar is one of the poorest performers in healthcare.

Vision

SOCIAL ENGINEERING

INHEALTH SECTOR

Our Vision is to be your trusted health care partner at afordable price. We at Aarogya seva, will have tied up with several leading hospitals and pathology in order to create a community in which all people achieve their full potential for health and well-being. We work to be trusted and a valued partner in the community and creators of positive change with social engineering.

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GDP

*Issue and current situation in india:

India’s public expenditure on health as percentage of the GDP is far lower than countries classified as the “poorest” in the world which is little over 1 per cent despite a rise in health expenditure due to high out-of-pocket expenditure (OOPE), catastrophic hea l th spend ing (CHS) , in c reas ing pove r t y , and impoverishment. This has effected our health care system deeply inside since ages. Though Government has been planning to increase budget on healthcare from 1 to 2.5 by 2025 when the global average will be about 6 per cent. More embarrassingly, the country’s public health expenditure is lower when compared with other South-East Asian countries like Nepal, Sri Lanka, Bhutan, Indonesia, Thailand and the tiny island country of Timor-Leste.

2020 is being celebrated as the year of nurses and midwives around the world, thanks to a call by the World Health Organisation. However, the 2020 budget has decreased the allocations for the heads related to the development and improvement of nursing care. Specifically – from Rs 50 crore to Rs 16 crore for ‘Development of Nursing Services’; from Rs 41 crore to Rs 35 crore for ‘Regional Institute of Nursing and Paramedical Science’ (in Aizawl); and from Rs 32 crore to zero for ‘Upgradation of Nursing Services’. Together, these cuts will be detrimental to the development of India’s nursing facilities and human resources, and is bound to affect the access to and quality of healthcare in the country.

Autonomous institutes such as the All India Institute of Medical Sciences (AIIMS), New Delhi, the Postgraduate Institute of Medical Education and Research, Chandigarh, and the National Institute of Mental Health and Neurological Sciences (NIMHANS), Bengaluru, provide cutting edge research and teaching. Their funds have been cut in the current year. Only time will tell if they will be able to maintain the quality and scope of services

*Reason why Health allocation should be restructured:

The public spending on health care should be increased to lessen the financial hardship for communities.The increased public spending will also better the health outcomes of a community.The government should focus on increasing investment in health gradually, as disease burden of non-communicable or lifestyle diseases are increasing rapidly..

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The present health situation in Bihar is a matter of grave concern, and requires an urgent solution. Although demographic improvements have been noted in the past years, the incidence of various diseases remains high in Bihar. Protein-energy malnutrition, nutritional anemia and blindness are common being found in people. Safe drinking water and sanitary facilities are still luxury for large number of people.

Furthermore, a number of communicable diseases are prevalent in the country. This is exemplified in the Kala-azar or visceral leishmaniasis epidemic in 1992, which reported 75,523 cases and claimed 1417 deaths. Kala-azar cases have started rising again since 1996, and it is estimated that there might be another epidemic in the first decade of the 21st century if the situation is allowed to continue.

Other infectious diseases, which threaten the health situation in Bihar, are malaria, tuberculosis, leprosy, and HIV/AIDS. Moreover, population and decadal growth rate have more than doubled over the last 40 years. Maternal mortality remains very high, but survival chances of children have increased due to immunization and other programs. In general, Government needs urgent attention on public health.

* Per capita expenditure on health in Bihar is third lowest in country at Rs. 495.

*Among big states overall, UP has scored the lowest, and Bihar is second lowest with score 28.61 and primary reason which weighed Bihar down is their poor performance on total fertility rate, low birth weight, sex ratio at birth, TB treatment success rate, quality accreditation of public health facilities, and time-taken for fund transfers from National Health Mission is also delayed, and Bihar has the slowest transfer of funds from the central National Health Mission into the state government’s treasury to the final implementation society. The average time for this transfer in Bihar, which is the slowest in the country, is 191 days. UP is only slightly better at 118 days.

* Bihar has a real crisis of health care workers as well. Among big states, Bihar has the highest number of auxiliary nurse midwife positions that were vacant, with 59.5% vacancy. Bihar has the second highest vacancies of staff nurses at primary health centres and community health centres with more than 40% vacancy of staff. UP has surprisingly reported no vacancy of staff nurses, along with Odisha.The state, reportedly, has the worst doctor to population ratio across all Indian states with just 2,792 doctors in the whole state. This means that 43,788 people were effectively being served by a single doctor. What is especially concerning is that Uttar Pradesh, another state known for its huge healthcare vulnerabilities, has one doctor for every 21,702 people – half that of Bihar's. As such, it is clear to see that Bihar has the greatest challenge of all states in trying to improve its ratio to meet that recommended by the World Health Organisation.

*Poor infrastructure*

According to the latest data, Bihar has only approximately 2,000 primary health centers and 150 community health centers to cater to its massive population. Moreover, consistent underinvestment into its healthcare system means that even at these centers, amenities and hygiene conditions are grossly under-par. A lack of beds – Bihar, reportedly, has just 0.11 per 1,000 people – has also come to characterise the state's crumbling infrastructure.

Bihar Healthcare Status& Comparison with Other States

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Diabetes

Type 1 diabetes can develop at any age, though it often appears during childhood or adolescence.Type 2 diabetes, the more common type, can develop at any age, though it's more common in people older than 40.

COSTS--medical care, drugs, insulin and other supplies.--Physician and specialist consultations, laboratory tests and other tests like eye screening, foot screening, etc.--Cost of consultation which will be Rs700, regular lab tests for Rs 500 and the medicine and insulin cost will be around Rs 6000.--Patients with diabetes having foot complications spent on an average Rs 19020 month, and those who had end stage renal disease (Rs 12690 month), cardiovascular Rs13135 month) and retinal complications Rs13922 month.

Hypothyroidism

Hypothyroidism Treatment and Cost in India Rs. 1000/- MonthThis disorder necessitates lifelong medication to keep symptoms in check, regular testing and screening tests to monitor TSH hormone levels in the blood is advisable.Although the costs of medication aren’t too high, yearly expenditures could amount to a few thousand. Annual testing of thyroid from reputable laboratories, on the other hand, could be a pricy affair in India.This is where appropriate health insurance cover could prove advantageous.

Upper respiratory tract infection (URTI)

Costs to individuals and their families include--medical care, drugs like antibiotics which could varry from 100-5000.--Physician and specialist consultations, laboratory tests.--Cost of consultation which will be Rs 700, regular lab tests for Rs 500-5000(MRI) and in case of covid it could go in lakhs.

High Blood Pressure (Hypertension)

Cost for treatment may vary from person to person and their health condition which includes Physicians, nurses, and other providers which could be 1000 to 10000 of Hospitals, nursing homes 5000-1 Lakhs Anti hypertensive drugs 200-4000

Acute gastroenteritis

Cost for treatment may vary from person to person and their health condition which includes Physicians, nurses, and other providers which could be 1000 to 10000 of Hospitals, nursing homes 5000- 10000 Anti Biotics drugs 200-4000

Common illness & expenses

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Health insurance protects you from unexpected, high medical costs. You pay less for covered in network health care. Needless to say, it is very natural for any individual to fall ill. Be it a kid or an adult, all have become sensitive to illness, whether due to pollution, hectic lifestyle or poor foodhabits. Buying a policy online will help you tackle health-related issues and avail the best possiblemedical treatment without worrying about expenses

Health card is best solution over difficulties in life:-

Health card's relatable services such as hospital, Pharmacies, and Lab and Diagnostic Centre in order to maximize the scope of Healthcare service and its related services and also improving patient's satisfaction by providing various types of discounts and assistance to get a quality health care service. Health card is a single solution that allows the patient to pay for healthcare bills that is incurred by them in discounted price.

Unexpected expenses and difficulties in life

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It motivates people to use the proposed Healthcare card properly and take the advantages of it and easy to access to the patientsmore effectively.It enhances the quality of health care system through the proposed Healthcare card technology.It has ability to store data and to process the information.The card provides sequential access to one machine by multiple users.It is more secure to carry from one place to another.Change public's habits towards a wider use of electronic health card.It will make a wall to reduce the abuse of medicine and corruption in health sector.

Pick a health Card over Insurance Policy Do you really need health insurance to pay for your treatment? Agreed, healthcarecosts are going through the roof and there are gaps in your health plan since evena comprehensive policy will not pay for a tooth flling or a broken finger.

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Rising healthcare costs and inadequate cover for out-patient treatment can erodeyour savings. Here's a cost-effective alternative.

CHEAPER ALTERNATIVE: Discount cards are special schemes that typically give you discounted rates on medical, health and drug expenses for a monthly or annual membership fee. Healthcare plans offer members savings on medical expenses, with focus on prehospitalisation, but also cover post-hospitalisation costs. Most facilities, such as concessions on dental treatments, pathology and radiology expenses and doctor consultations, are not covered under a health insurance policy. Also, unlike a health plan, there are no caps or sub-limits in a health card plan.

“Health cards cover overall healthcare expenses, including cosmetic treatments. It is also of great help to high-risk people, such as those with pre-existing conditions, and those who are denied health insurance, especially senior citizens, who face prohibitions or have to pay extremely high premiums for a policy loaded with too many clauses and exclusions,” says Sunando Sen, director and CEO, Indian Health Organisation (IHO),

Rs. 799/- Rs. 20,000/-

Health card is more cost-effectiveHealth card VS Insurance with OPD

CARD INSURANCE

AAROGYA SEVA HEALTH CARD PVT. LTD. is a well-deserved reputation for quality customer service. AAROGYA SEVA HEALTH CARD PVT. LTD. provides Healthcare card that helps by the way of exclusive offers and discounts on healthcare bills that is incurred by the members of Healthcare card whereas the same develops the trust from the patients in terms of the treatment queue, expense, diagnosis diseases, doctors and pharmacists accountability, etc.

We have developed solutions to help our business associates such as hospital, Pharmacies, and Lab and Diagnostic Centre to stay ahead of patient’s satisfaction. Our solution easily integrates with a wide range of Exclusive offers & discounts and can enable our business associates to fully realize the benefits of increasing number of patients and patient’s satisfaction.

Overview aboutAAROGYA SEVA HEALTH CARD PRIVATE LIMITED

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Our Proposal:-

AAROGYA SEVA HEALTH CARD PVT. LTD. employs a staff of highly trained, experienced, and licensed individuals to support client’s needs. Each member of our staff has been put through AAROGYA SEVA HEALTH CARD PVT. LTD. rigorous training and vetting process.

Staffing:-

Services:-

Here are list of health care and related services:1. Arogya seva hospital.2. Arogya seva paths and labs3. Arogya seva Medicine.4. Arogya seva ambulance.5. Arogya seva kids care.6. Arogya seva elderly care.7. Arogya seva home healthcare.8. Arogya seva last rites support 1500/-

It offers the ease of discounted treatment and hospitalisation.You can opt for self, couple or for the entire family.Regardless of the age and disease, it shields you from the financial burden.We also provide last rites support with Rs. 1500/-*It offers upto 50% discount on bills.Social engineering in health sector.Online appointment to doctors and labs.Aarogya Seva Kids Care.Aarogya Seva Home Health Care.Aarogya Seva Online Medicine.Aarogya Seva Ambulance Services.

Key Features of Arogya Seva Health Card

In terms of Doctor’s & Healthcare ExpertsWe cover the follwing

Cosmetology Clinic

Diabetic Clinic

General and laparoscopic surgery

Cardiologist clinic and hospitals

Oncologist Clinic & hospitals

Multispeciality emergency hospitals

Emergency Hospitals

Pharmacy

Pathology & Diagnostic Center

Eye Hospital & Clinic

Obstetrician and Gynecologist

Dental care clinic and hospitals

Orthopaedic clinic and hospitals

General Physician

Consultant Physicians

Pediatrician and child specialist

Ent Clinic and hospital

Dermatologist clinic

Burn & Plastic Surgery

Nephrologist

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Terms and condition: These terms and condi�ons (collec�vely, the 'Terms') cons�tute a legal agreement between card holder and Aarogya Seva Health card Pvt. Ltd. and its affiliates/membership holder/card holder, which shall include all the persons who have subscribed for membership of availing benefits under scheme of Membership Health Card provided by Aarogya Seva Health card Pvt. Ltd. and the terms as men�oned here in below shall also govern the use of the Membership Health-card (“Card” or “Health-card”) and the associated online website www.aarogyasevahealthcard.com (collec�vely, the “Services”). By using the Services, you represent and warrant that you are of legal age to form a binding contract with Health-card and meet all of the fore going eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services. THESE TERMS CONTAIN A MANDATORY ARBITRATION OF DISPUTES PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES.NOTE: WE DO NOT PROVIDE MEDICAL (TELEHEALTH), or OTHER HEALTH RELATED SERVICES AND WE DO NOT PROVIDE INSURANCE OF ANY TYPE. WE ONLY PROVIDE PRESCRIPTION DISCOUNTS. YOU ARE RESPONSIBLE FOR ALL PAYMENTS TO PHARMACIES, HOSPITAL, LAB AND DIAGNOSTIC CENTRE FROM WHOM YOU RECEIVE PRESCRIPTION DISCOUNTS. WE DO NOT, AND DO NOT INTEND TO, PROVIDE ANY MEDICAL (TELEHEALTH), OR OTHER HEALTH RELATED SERVICES.AS SUCH, WE SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR ANY PROVISION OR LACK OF PROVISION OF ANY SUCH SERVICES.

1. Acceptance of the Terms and Conditions.

GENERAL CONDITIONS1. The Health-care Membership Card, further designated as “Card”, is a property of the Aarogya Seva Healthcard Pvt. Ltd.2. All disputes and conflicts related to services provided at the Aarogya Seva Healthcard Pvt. Ltd. are subject to Patna Jurisdic�on only and are governed by Arbitra�on and Concilia�on Act, 1996 with the seat of Arbitra�on being in Patna.3. The Card is personal and non-transferable, issued in the name of the holder.4. Arogya Seva Health Card Pvt. Ltd. reserves the right to modify, revoke, stop, and revise the scheme and guidelines any�me and the same shall be updated on the website.5. Aarogya Seva Health Card Pvt. Ltd. may update its Terms and Condi�ons at any �me and the same shall be updated on the website www.aarogyasevahealthcard.com and the members shall update themselves of the changed terms and condi�ons from the website. YOUR CONTINUED USE OF THE SERVICE FOLLOWING ANY UPDATES TO THESE TERMS SHALL CONSTITUTE NOTICE AND ACCEPTANCE OF THE UPDATED TERMS.6. The details of Service Providers associated with Aarogya Seva Healthcard Pvt. Ltd. shall be available and updated on www.aarogyasevahealthcard.com. Thus, the members/card-holders are required to obtain details of the service providers associated with Aarogya Seva Healthcard Pvt. Ltd. from the website.7. Choosing of our Par�cipa�ng Service Providers is no way to be considered mandatory or recommended on the Card-holders and the discre�on of choice of service provider is on the concerned of Card Holder.8. Card will be ac�vated a�er 72 hours a�er Registra�on of membership.9. Best Service Hour depends upon the Network Service Provider �ming and Aarogya Seva Healthcard Pvt. Ltd.is not liable for the same.10. The Services offered by Health-card are NOT intended to diagnose or treat medical problems or condi�ons. If you have or suspect that you have a medical problem or condi�on, please contact a qualified health care professional immediately.11. The Members taking the Membership have been explained the terms and condi�on of the instant scheme/membership in simple Hindi and they have agreed that they have fully understood the terms and condi�ons and have no objec�ons to the same.12. The Discounts being offered under this Membership may/maynot applicable on the consultancy fees/charges of the Doctors.13. That the various discounts offered under the membership may vary for each service obtained at the Service Provider such as percentage of discounts can be different for medicines, lab and diagnos�c centre and on Hospital bills. The exact amount of discount for different services from our service providers can be verified from our website www.aarogyasevahealthcard.com.14. In case any member is admi�ed in the Hospital of any of our service provider and during the course of treatment the member dies, Aarogya Seva Healthcard Pvt. Ltd. shall pay Rs.1500/- (Rupees Fi�een Hundred Only) to the nominee of the member and subject to the nominee making wri�en applica�on for the same to Aarogya Seva Healthcard Pvt. Ltd within 30 days of death and the said amount a�er verifica�on of the nominee shall be deposited into his/her bank account.

VALIDITY1. Each Card is valid upto 10/2025 but the same is subject to Repayment of Annual Renewal membership fees to be paid on or before the renewal date.

USE1. The Card can only be used only before the service providers associated with Aarogya Seva Healthcard Pvt. Ltd.2. The Card holder must: (a) Be in possession of an iden�fica�on document. (b) The Card holder is responsible for the conserva�on and correct use of the Card.3. This card is not a debit/credit card and can’t be used for monetary transac�ons.4. The Card benefit can be used only on purchase over Rs. 500/- whereas no commercial use to be done by the Card Holders.

CONDITIONS1. The Card holder will have access to all services offered at the Aarogya Seva Healthcard Pvt. Ltd. with preferen�al condi�ons as updated on www.aarogyasevahealthcard.com.a) Regular informa�on on discounts. b) Other preferen�al condi�ons to be agreed between the Card holder and Aarogya Seva Healthcard Pvt. Ltd.;2. The Card condi�ons are not cumula�ve.3. That you agree to use the Services only for lawful purposes. You agree not to interrupt or a�empt to interrupt the opera�on of the Services in any way. Any conduct by you that, in our sole discre�on, restricts, inhibits, or interferes with the ability of any other user to enjoy the Services (including by means of hacking or defacing any por�on of the Services, or by engaging in spamming, flooding, or other disrup�ve ac�vi�es, including with respect to the servers or networks used to make the Services available is prohibited. 4. That you are strictly prohibited from communica�ng on or through the Services any unlawful, harmful, offensive, threatening, abusive, libellous, harassing, defamatory, vulgar, obscene, profane, hateful, fraudulent, sexually explicit, racially, ethnically, or otherwise objec�onable material of any sort, including, but not limited to, any material that encourages conduct that would cons�tute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, na�onal, or interna�onal law. 5. We reserve the right to terminate or suspend your use of (including any access to) the Services, or parts of the Services, without no�ce, if we believe, in our sole discre�on, that it is in viola�on of these terms, our requirements, or any applicable law or it is harmful to our interests or the interests, including intellectual property or other rights, of another user or any other third party, including any of our partners, affiliates, sponsors, providers, licensors, or merchants. 6. That you agree to provide true, accurate, current, and complete informa�on in connec�on with the Services. It is your responsibility to maintain and promptly update this informa�on to keep it true, accurate, current, and complete. If you provide any informa�on that is fraudulent, untrue, inaccurate, incomplete, or not current, or we have reasonable grounds to suspect that such informa�on is fraudulent, untrue, inaccurate, incomplete, or not current, we reserve the right to refuse any and all current and future use of the Services without no�ce.7. That you must respond promptly to all email and other correspondence from Health-card, including without limita�on email and correspondence concerning complaints or concerns regarding your use of the Services.

EXCLUSIONS1. Exclusions to the present contract are the medical services provided by doctors that are not registered on the Card system.2. All services offered at the Arogya Seva Health Card Pvt. Ltd. are available only a�er annual payment of membership fees.3. Discounts and benefits apply to Health-care Membership Card holders a�er applica�on of 72 Hours.4. Benefits can only be avail if card is taken by a person prior to the admission in the hospital.

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1. Cancella�on of the contract must be communicated in wri�ng, with a 30 day no�ce period by either party.2. Once cancelled the Card holder must return the Card to Arogya Seva Health Card Pvt. Ltd. within 30 days.3. The Arogya Seva Health Card Pvt. Ltd. reserves the right to cancel or suspend the use of the Card in case of breach of the contract.

CANCELLATION OF THE CARD

1. Altera�ons or Changes of personal details must be communicated in wri�ng to the Aarogya Seva Healthcard Pvt. Ltd. by the Card holder by post or e-mail.

CHANGES ON APPLICATION DETAILS

1. The card holder can revoke the present contract by registered le�er within a 15 day period, from the applica�on date.

REFLEXION PERIOD

1. That you acknowledge and agree that by using the Card, informa�on related to the prescrip�ons obtained through the Card will be collected from Pharmacies, Hospital, Lab and Diagnos�cs Centre that par�cipate with Arogya Seva Health Card Pvt. Ltd. . Such informa�on includes name iden�fiers, birth date, gender, zip code informa�on, and prescrip�on informa�on. 2. That you acknowledge and agree that this informa�on received by Pharmacies, Hospital, Lab and Diagnos�cs Centre that par�cipate with Arogya Seva Health Card Pvt. Ltd. and subsequently disclosed to Health-card will be used for the administra�on of the Health-card prescrip�on drug discount program. Arogya Seva Health Card Pvt. Ltd. does not sell such informa�on to any third par�es. Arogya Seva Health Card Pvt. Ltd. itself is not a Covered En�ty under the law. However, some of the informa�on received from health care providers, health plans or health care clearing houses (collec�vely, “Covered En��es”) is informa�on that may cons�tute protected health informa�on (“PHI”), which is informa�on created or received by a health care provider, health plan, or health care clearing house rela�ng to the past, present, or future physical or mental health or condi�on of an individual, the provision of health care to an individual, or the past, present, or future payment for the provision of health care to an individual that iden�fies or can be used to iden�fy an individual.

Protected Health Information

1. To par�cipate in the Program, you must provide atleast your full legal name and date of birth and Aadhar number, And others informa�on is op�onal. We use this informa�on to match your Member account with the informa�on our service providers enters into their system; and for all other uses we deem appropriate. Addi�onally, by par�cipa�ng in the Program, Member has the opportunity receive Program and other related messages via recurring SMS (Short Message Service), MMS (Mul�media Message Service) text alerts and email alerts. These alerts may be used to communicate Member account status, no�fy Member when they are eligible for a reward, communicate Program changes, offer special Member promo�ons, coupons, informa�on and offerings that may be of interest to the Member. Please visit our website for complete details.

PERSONAL INFORMATION

1. In addi�on to the rights and privileges described in the terms/condi�ons, and policies outlined above, we further reserve the right to electronically monitor area of the Services and may share any content, records, or electronic communica�on of any kind if required to do so by any law, regula�on, or government request, if we believe that such disclosure is necessary or appropriate to operate the Services, or to protect our rights or property, or the rights of the users, partners, affiliates, sponsors, providers, licensors, or merchants. If alerted to allegedly infringing, defamatory, damaging, illegal, or offensive content, we may inves�gate the allega�on and determine in our sole discre�on whether to remove or request the removal of such content from the Services.2. The Services may not comply with legal requirements of foreign countries. Other countries may have laws, regulatory requirements, and medical prac�ces that differ from those in the India. Any por�on of the Services is void where and to the extent prohibited by law, and you may not use the Services where it would be illegal to do so. We may limit the availability of the Services at any �me, in whole or in part, to any person, geographic area, or jurisdic�on that we choose. Our failure to insist upon strict performance of any provision of these Terms shall not be construed as an implicit waiver of any provision or right.3. If any part of these Terms is ruled to be unenforceable, then such part shall be severed, with the remainder of these terms remaining in full force and effect. These Terms cons�tutes the en�re agreement between Card Holder and Arogya Seva Health Card Pvt. Ltd. governing Card Holder use of the Services (inclusive of the other policies referenced in these terms). Card Holder may not assign, transfer, or sublicense any or all of their rights or obliga�ons under these terms without our express prior wri�en consent. We may assign, transfer, or sublicense any or all of our rights or obliga�ons under these terms without restric�on.

Miscellaneous

If any dispute or difference shall arise between the par�es such difference shall be referred to the decision of a sole arbitrator to be appointed in wri�ng by the par�es to the dispute/difference. Arbitra�on shall be conducted under and in accordance with the provisions of the Arbitra�on and Concilia�on Act, 1996 and the seat of Arbitra�on shall be Patna.

ARBITRATION CLAUSE

BY AGREEING TO THESE TERMS CARD HOLDER AGREE TO INDEMNIFY, DEFEND, AND HOLD HEATH-CARD HARMLESS FROM AND AGAINST ANY AND ALL CHARGES, CLAIMS, DAMAGES, LOSSES, COSTS, LIABILITIES, AND EXPENSES (INCLUDING ATTORNEYS’ FEES) INCURRED AS A RESULT OF OR ARISING FROM ANY CLAIM, COMPLAINT, ALLEGATION, LAWSUIT OR DEMAND ARISING OUT OF OR RELATING IN ANY WAY TO (a) CARD HOLDER ACCESS TO OR USE OF THE SERVICES; (b) CARD HOLDER VIOLATION OF THESE TERMS; (c) CARD HOLDER VIOLATION OF THE RIGHTS OF ANOTHER, INCLUDING WITHOUT LIMITATION, ANY INTELLECTUAL PROPERTY RIGHT, PUBLICITY, CONFIDENTIALITY, PRIVACY, OR PROPRIETARY RIGHT; OR (d) CARD HOLDER VIOLATION OF ANY STATUTES, CODES, ORDINANCES, LAWS, RULES, REGULATIONS, INCLUDING WITHOUT LIMITATION, ALL REGULATORY, ADMINISTRATIVE, AND LEGISLATIVE AUTHORITIES.

INDEMNIFICATION

PAYMENT1. Membership Fee amount can be paid through cash, A/C Payee Cheque in the name of Arogya Seva Health Card Private limited & online Portal of company website only.

SIGNATURE DATE LOSS OR THEFT1. In case of loss or the� the Card holder must inform the Arogya Seva Health Card Pvt. Ltd. immediately.2. If this informa�on was made by telephone, it must also be communicated in wri�ng, either by post or email on support@aarogyasevahealthcard.com. 3. Once a wri�en confirma�on has been received, the Arogya Seva Healthcard Pvt. Ltd. will cancel the Card and will issue a subs�tu�on Card upon the cost to the card holder.

Contact Us :

Ranipur, Phulwarisharif, Patna,Bihar, India 801505.

support@aarogyasevahealthcard.comwww.aarogyasevahealthcard.com

1800 572 1105

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M.R.P. Rs. 799/-