What are the advantages an INDUSITE enjoys using this Card/s?
Usage of these Cards at specified INDUS Healthcare Deliver Center/s
will entitle you to discounts
on the products and services resulting in substantial savings thereby reducing
your medical bills.
MORE IMPROTANTLY you are entitled to these discounts every time you use the card
any upper limit or cap
MOST IMPORTANTLY, you get reasonable discounts on
which forms a substantial part of a family's expenditure
The INVALUABLE INDUSITE enjoys a discount on the Healthfriend Card he/she gets.
MORE IMPORTANTLY on the Gold Card he/she is entitled to “Premium
Facility” for self and family*
*subject to terms and conditions
What is the eligibility for acquiring/possessing these Cards?
For a Silver Card, you need to be an Indusite, who has purchased a
preventive health checkup
For a Gold Card, you need to be an Indusite, who not only has renewed his/her
least once, but also is an existing valid/active member of INDUS.
Does everyone in my family require one Card each?
NO, one Card suffices for you and your family, consisting of you, your
spouse, children, your
parents and your spouse parents.
Am I entitled to discounts on purchase of drugs from the pharmacy at
the INDUS Healthcare
YES, Please be advised, in exceptional conditions, on some of the drugs
and items you purchase
from the Pharmacy, the discount may be lower or may not be available. This may
be only an
exception, bear with us, since due to some changes in government rules, trade
manufacturer pricing policies, taxation changes and / or for reasons beyond our
control, we may
constrained to do this.
Can anyone use the Card? Is there any age restriction for using the Card
or availing the
YES, any defined member of your family can use the Card. Please remember they
have to physically
present the Card at the time of availing of the services, and also comply with
the formalities of
filling up a separate form and / or any other formality as required by INDUS.
NO, There is no age restriction, all persons who need
healthcare, irrespective of age can use this
card and avail of the discounts.
However, please note that we will constantly monitor the usage of the card and
take strict action
in terms of cancelling the card and/or lodging a complaint with the law
if the card is misused or used fraudulently or with intent to cheat or defraud.
Can I use the Card the moment I get it?
a) SILVER CARD: You can start using the Sliver Card as
soon as you get it.
b) GOLD CARD: You can start using the Gold Card as soon as you
renew with INDUS, however the
usage is subject to terms & conditions.
How do I get to know the normal rate for the services, the discount
amount I am entitled to
and the net amount I need to pay on the services I require?
You have two options:
Contact any of the INDUS Healthcare delivery center for your queries pertaining
particular center only
Contact INDUS Healthfriend Help line on 020-66472500 for the required
information of all INDUS
Healthcare delivery centers
Can I use this card when I use my Health Insurance, CGHS, ESI and
Corporate Tie-up facility
NO. This is a stand-alone scheme and cannot be combined with any other
offer or arrangement
Do I need to authenticate every time I want to use the Card?
YES and after authentication you are required to produce the
authentication slip at all the
required counters which will bill you for the services.
If you want to use the Card again after you've completed all the billing and you
have used up
your authentication slips, you will have to come again to the desk and get more
understand that this is imperative in your own interest and also not to allow
any misuse of the
Card by unscrupulous people.
How can I assure a hassle-free hospitalization..?
Any admission decided well in advance in consultation with the treating
doctor and intimated to
Healthfriend team where they could help you in booking of a bed, Operation
Theatre etc. would
certainly assure you a hassle-free hospitalization
Is the Discount also available on the Registration Charges for IP & OP?
NO, the Hospital Registration Charge is a very nominal amount, which is
collected from everyone
as a matter of policy
Whom do I contact when I am unable to get through INDUS Healthfriend
You could refer to our “INDUS Healthcare delivery centers booklet”
where the contact details of
all delivery centers are mentioned. Kindly contact that particular center you
wish to, for further
What is the rate of discount I get on the Indus Healthfriend Cards?
Discount structure varies from center to center so please refer to our
delivery centers booklet” for detailed information
For further assistance you could also get in touch with the Healthfriend
helpline 020 - 66472500
What happens if my Card gets lost / stolen?
Please contact INDUS on 020 – 66472500 to know the procedure for
obtaining a duplicate card
on payment of a nominal fee and to deactivate the lost / stolen card.
What is the maximum amount of products/services I can avail
of/utilize/buy, through this
NONE, There is NO MAXIMUM LIMIT for the Expenditure you can incur.
However, if it comes to
our notice that the same card is circulated and traded, resultant of which
people use the Cards, to avoid purchase of Card and yet avail benefits, we will
seize the Card and
cancel/deactivate the same and also ensure that no new Card is issued to you.
What if I forget to carry my Card to the Delivery Center?
In the normal course, you will not be able to avail of any services,
without presenting the Card.
However, in case of emergency inpatient admission, if you are able to convince
us that you are a
valid Card Holder, we may, at our sole discretion, let you avail of the
services, provided that you
present the Card within 24 hours, failing which the services will be charged on
any discount. Please note that we will make all efforts to help you, but you
that we cannot deviate from the rules and regulations, beyond a certain point.
Can one hospital meet my Healthcare requirement?
Services / facilities vary from center to center, so please refer to
our “INDUS Healthcare delivery
centers booklet” for detailed information.
For further assistance you could also get in touch with the INDUS Healthfriend
helpline 020 -
Should I first disclose my medical history and that of my family as well
before joining INDUS..?
NO. You need not disclose your medical history while joining INDUS but
you need to disclose
your defined family members
Can I claim a refund full or partial if I wish to discontinue the card
during its validity..?
NO. You are not entitled to any refund either full or partial even if
you wish to discontinue your
card during its validity.
Does this card offer discounts on all the services available at INDUS
YES, However there are a few items / services which are not entitled
for discounts. Please refer
page _____ for all the exclusions
When am I restricted from using the Card..?
When you want to avail Insurance, Corporate Tie-up, CGHS, Government
Insurance Scheme, or
any other promotional or offer or scheme, usage of this Card is restricted in
coupled together with the said Schemes/Offers etc.
Declaring that having a valid Healthfriend card at the time of first use (OPD,
Inpatient) & during
each use is mandatory, failing which you will be restricted from using your
Suppose I am admitted as an INPATIENT, how will my discount be
calculated, for services
availed, say like Laboratory, Diagnostics, Pharmacy etc.
As an Inpatient, remember you are getting a discount on Hospitalization charges,
which by itself
is a big benefit. Hence for all services utilized by you as an INPATIENT, the
applicable to and as inpatient will apply and over ride all other
discount rates on individual
components like lab, diagnostics, etc.
For e.g. /- If the inpatient Discount rate is 20% then this is the rate which
will apply to all services
availed by you as an inpatient, irrespective of whether it is diagnostics or
However, for the purchase of pharmacy items at the pharmacy not forming a part
inpatient Bill, you will be entitled to the discount as applicable on Pharmacy
Purchases, as a
Am I entitled to a discount on the Administration/Service Charges levied
on the inpatient Bill?
NO. The Administrative Charges are levied after applying discount on
your bill. Thereby you pay
the charges on a lower bill amount and save.
Gross Bill Amount
If you did not have the Card, you would have paid Rs. (100 + 8% = Rs. 108/-).
Here you have not only got a Rs. 20/- discount on the Gross Amount of the Bill,
but also got a
reduction in the Administrative Charges, resulting in a total saving of
Rs.26.4/- (Rs. 20 + Rs. 6.4).
Are there any Specific / Important terms and conditions I should know
While an honest attempt has been made to categorize the services
rendered and the discount
rates for the category of services, please note that the discount rates are
maximum rate of
discount you are entitled to, based on the type of Card you hold and the center
you refer to.
In exceptional conditions, on some of the drugs and items you purchase from the
/ or on Lab Tests conducted, the discount may be lower than the indicated rate
and / or not
available. This may be only an exception, bear with us, since due to some
changes in government
rules, trade practices, manufacturer pricing policies, taxation changes and/or
for reasons beyond
our control, we may constrained to do this. Kindly make an informed decision to
check with us over telephone and at the help desk to avoid any issue.
Please note all products/ services are subject to availability and in your own
interest, please call
up INDUS Healthfriend helpline on 020 - 66472500 to check on availability of
before coming to the Hospital.
Can I insist on seeing a particular Doctor for Outpatient consulting
and/or insist on a particular
Doctor for Inpatient Treatment/Procedure/Surgery.
NO. Choice of doctors for treatment is purely at the sole and final discretion
and decision of
hospital and INDUS
A Card holder can attend the respective Doctor's OPD who is on call for that
particular day at the
hospital to become his patient.
Also please note, in case you are ready to pay the actual charges for a
particular doctor, the
appointment for consulting, treatment or surgery is subject to availability and
at his/her and
delivery center discretion. Please be assured that the Doctors who would be
treating you or conducting surgeries are also equally competent and good and are
the Hospital/ Organization and being treated by them would in no way be of any
Why I am not entitled to a discount on CT Coronary Angiogram (Heart)?
The Flagship Preventive Health Checkup Package Product of Indus is the
Checkup Package which includes CT Coronary Angiogram (Heart). Indus primarily
believes in the
concept of preventive healthcare and hence for the first time in the world, has
Designed, Developed and Offered a Preventive Health Checkup Package which
Hence this restriction
Where do I register my complaint regarding the Card and/or services
We convey to our customers, "If you have something nice to say about
us, TELL OTHERS, if you
have something not so nice, TELL US, we will quickly correct ourselves and
ensure that we do not
repeat the same again".
If you have a complaint on a transaction done at delivery center, you can
immediately go to the
concerned INDUS Healthfriend helpdesk and meet the Customer Care Executive, who
to your complaint.
You can always email your views on email:firstname.lastname@example.org or write to us
INDUS Health Plus (Pvt) Ltd.
"Indus House" 2nd Floor,
Pride Port, Model Colony,
Tel: 020 – 66472500, fax: 020 - 66493499