Unfortunately, medical emergencies can happen anytime. Just picture this: you're in the midst of a crisis, and someone steps in to cover your ambulance services. They take you to the nearest hospital, ensure you receive the care you need. If you've already paid for ambulance services, they've got your back for reimbursement. That's what the Ambulance Service for Hospital Assistance Insurance Policy (ASHA) does!
Shri Ambulance Service for Hospital Assistance (ASHA) insurance is a product by Shriram General Insurance that provides coverage for ambulance services in the event of a medical emergency. The policy includes provisions for availing ambulance services from the place of occurrence of a medical emergency to the nearest hospital, and from one hospital to another for better medical aid. Furthermore, there is an option of reimbursing the actual fare expenses for ambulance services offered by an ambulance service provider or hospital
Here are the features of the Shriram General’s ASHA Insurance.
Covers expenses related to ambulance services for medical emergencies within the specified distances and reimburses actual fare expenses for ambulance services
Includes transportation from the place of a medical emergency to the nearest hospital and from one hospital to another for better medical aid
Maximum utilisation of benefits up to two times during the policy period
Fast and hassle-free claim settlement process
To obtain the Shri Ambulance Service for Hospital Assistance (ASHA) insurance, you can follow these steps.
Contact us to inquire about the ASHA insurance policy, discuss the coverage options and select a plan that best suits your requirements.
Provide the necessary personal information, complete the application form and submit any required documents to apply for the policy.
Step 3: Once the application is approved, make the required premium payment to activate the insurance coverage.
Our ASHA Insurance offers several benefits, including the following.
The policy covers expenses related to ambulance services for medical emergencies within specified distances and reimburses actual fare expenses for ambulance services. It includes transportation from the place of a medical emergency to the nearest hospital and from one hospital to another for better medical aid. Additionally, coverage is also provided for ambulance services for covered family members.
To obtain ASHA insurance, you can contact Shriram General Insurance, inquire about the policy, discuss coverage options, and select a plan that best suits your requirements. Upon approval of the application, the required premium payment activates the insurance coverage.
Yes, the policy specifies conditions such as a waiting period for coverage of ambulance expenses related to illness, and it excludes certain events such as unforeseen calamities.
Under the Shri Ambulance Service for Hospital Assistance (ASHA) Insurance, the following are covered.
Transportation from the place of occurrence of a medical emergency to the nearest hospital.
Transportation from one hospital to another for better medical aid.
Reimbursement for self-booked ambulance expenses up to specified plan limits and distances, based on reasonable and customary charges.
The policy covers family members, including the proposer, spouse, children (including unmarried, step, or legally adopted children up to 25 years old), and parents.
The following are not covered under the Shri Ambulance Service for Hospital Assistance Insurance.
Loss of life or other personal effects of the users during the performance of the services.
Services or costs for users other than those defined in the policy.
Delay or failure to provide services due to specific events like war, riots, civil disorder, earthquakes, and other adverse weather conditions.
ASHA covers transportation from the place of occurrence of a medical emergency to the nearest hospital and transportation from one hospital to another for better medical aid.
Yes, the policy provides reimbursement for self-booked ambulance expenses up to specified plan limits and distances, based on reasonable and customary charges.
The policy covers family members, including the proposer, spouse, children (including unmarried, step, or legally adopted children up to 25 years old), and parents.
Loss of life or other personal effects of the users during the performance of the services, services or costs for users other than those defined in the policy, delay or failure to provide services due to specific events like war, riots, civil disorder, earthquakes, and other adverse weather conditions, and any expenses for air ambulance are not covered under this policy.
Under "Shri Ambulance Service for Hospital Assistance (ASHA)," the conditions are as follows.
SGI is not responsible for any loss of life or personal effects during the service.
The services will be provided according to the terms of the policy and applicable Indian laws.
The benefits under this cover can be utilised up to a maximum of two times during the policy period.
Delays or failures to provide services due to force majeure events are specifically excluded.
Any costs and expenses pertaining to ambulance service beyond the scope of cover will be directly borne by the insured.
The company can cancel the policy based on specific grounds, and the insured can also cancel the policy under certain conditions.
The key features of ASHA can be summarised as follows.
ASHA covers the insured person or member, offering a defined scope covering medical emergencies and the provision of ambulance services for covered family members.
ASHA provides coverage for medical emergencies, including ambulance transportation to the nearest hospital and from one hospital to another for better medical aid following a medical emergency.
SGI is not responsible for any loss of life or personal effects during the service, and we are not liable for any costs beyond those defined in the policy. The services are provided subject to the terms of the policy and applicable Indian laws.
The benefits under ASHA can be utilised up to a maximum of two times during the policy period within India. The cover ceases once the covered family members have claimed for ambulance services two times.
Expenses related to ambulances for any illness within 30 days from the first policy commencement date are excluded, except for claims arising due to an accident. The waiting period does not apply in subsequent renewals. Both the company and the insured have provisions for cancellation with specific conditions and return of premiums.
Ambulance services serve as the initial point of medical care in emergencies by providing timely and specialised medical attention to individuals in need.
Ambulances play a crucial role in securely and expeditiously transporting patients to hospitals, offering a mobile medical environment staffed by skilled healthcare professionals.
Ambulance personnel are trained to administer first aid, stabilise injuries, and provide life-saving interventions such as CPR, delivering immediate medical attention at the site of an emergency.
The primary purpose of BLS ambulances is to provide rapid emergency medical care and transportation to individuals who are injured, ill, or in need of medical attention. These ambulances are equipped to offer basic, immediate medical care to stabilise patients and transport them to a medical facility.
ALS ambulances provide a higher level of medical care than BLS ambulances. They are staffed with paramedics trained in advanced medical interventions and equipped to assess and manage critical patients, provide advanced cardiac life support, administer medications, and perform interventions to stabilise patients with severe medical conditions or trauma.
BLS ambulances are typically staffed by emergency medical technicians (EMTs) or paramedics who are trained to administer basic medical interventions such as CPR, wound care, immobilisation of fractures, and basic airway management. They provide immediate medical care and transportation to stabilise patients and transport them to a medical facility.
ALS ambulances are staffed with paramedics who have advanced training in a wide range of medical interventions. They are trained to assess and manage critical patients, provide advanced cardiac life support, administer medications, and perform interventions to stabilise patients with severe medical conditions or trauma. These paramedics are equipped to deliver a higher level of medical care compared to BLS ambulances.
Indian EMTs undergo training that focuses on fast decision-making, problem-solving, empathy, effective communication, and good listening skills. The training equips them with the necessary skills and knowledge to handle medical equipment for patient care.
Indian EMTs are responsible for providing emergency medical care, transporting patients to healthcare facilities, and completing various training programs such as CPR and First Aid.
Indian EMTs typically need a minimum B.Sc. qualification background, and successful completion of their training leads to accreditation as a medical technician.
Indian paramedics undergo diploma courses covering topics such as rural health care, anaesthesia, X-ray technology, and emergency medical services, equipping them with the necessary skills and knowledge to handle medical equipment and provide emergency medical care.
Paramedics play crucial roles in providing emergency medical care and are vital healthcare professionals in the Indian medical system.
Medical equipment found in an ambulance typically includes the following.
Communication systems play a crucial role in facilitating coordination between ambulances and hospitals/emergency services. These systems enable real-time information exchange, enhancing the efficiency and effectiveness of emergency medical response. Here's how they facilitate coordination.
Communication systems allow ambulance crews to receive dispatch information, including patient details, location, and nature of the emergency. This integration ensures that the nearest and most suitable ambulance is dispatched promptly.
Advanced communication systems enable paramedics to consult with physicians or medical control facilities. This consultation can help in making critical decisions regarding patient care, especially in complex medical cases or when dealing with multiple casualties.
Communication systems allow for the transmission of vital patient data, such as vital signs, ECG readings, and injury information, to the receiving hospital. This pre-arrival notification helps the hospital prepare the necessary resources and personnel for the incoming patient.
Real-time communication systems provide traffic and routing information to ambulance crews, helping them navigate congested areas and choose the fastest routes to hospitals. This leads to reduced transport times, especially in urban areas.
Communication systems enable ambulance crews to provide status updates to hospitals regarding their en-route progress, allowing hospitals to better manage their resources and prepare for incoming patients.
Communication systems facilitate seamless coordination between different emergency services, such as fire departments, law enforcement, and EMS agencies. This collaboration is essential during major incidents or mass casualty events.
Vehicle safety features and modifications for patient comfort in Indian ambulances are crucial for providing effective medical care during transportation. These features and modifications may include the following.
Incorporation of essential safety features such as airbags, speed limiters, ABS, and Electronic Stability Program (ESP) to ensure the safety of patients and medical staff during transit. Design modifications to improve occupant restraints and ensure secure seating arrangements for both patients and medical personnel, reducing the risk of injury during transport.
Ergonomic interventions in the ambulance van space to enhance patient comfort during transportation, ensuring a more comfortable experience for the patient. Modifications are designed to ease the physical workload of responders, contributing to a more favourable environment for both patients and medical staff.
Integration of telemedicine capabilities and medical equipment geared toward providing essential care and monitoring during transit, enhancing the level of care provided to patients while en route to medical facilities.
Essential medical equipment in an ambulance includes oxygen delivery systems, defibrillators, airway management equipment, cardiac monitors, intravenous supplies, trauma equipment, and diagnostic tools.
Communication systems enable real-time information exchange, allowing ambulance crews to receive dispatch information, consult with physicians, transmit patient data to hospitals, receive traffic and routing information, and coordinate with other emergency services.
Vehicle safety features and modifications in Indian ambulances may include the incorporation of safety features such as airbags, speed limiters, ABS, and ergonomic interventions to enhance patient comfort during transportation.
Here’s how to get in touch with our Claim Help Desk and initiate your claim.
Contact our customer care by calling the toll-free numbers 1800-103-3009 or 1800-300-30000. You can also send an email to chd@shriramgi.com with the loss details.
Obtain a Claim Intimation Number for your loss from the help desk.
Submit all the relevant documents as instructed by the help desk to ensure fast settlement of your claim.
You can inform the Claim Help Desk about a loss by calling the toll-free numbers 1800-103-3009 or 1800-300-30000, or by emailing the details to chd@shriramgi.com.
After contacting our customer care, you should obtain a Claim Intimation Number for your loss and submit all the relevant documents as instructed to facilitate fast settlement of your claim.
You can ensure fast settlement of your claim by promptly submitting all the necessary documents as per the instructions provided by the Claims Help Desk.
Your insurance policy is up for renewal.
Please renew your Insurance now for trouble-free driving.
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