1. Enrollment & Validity

1. The service provider agrees to join Bhagyoday Mediservices (BMS) as an empanelled Network Service Provider.
2. The empanelment is valid for 3 years from the date of acceptance and can be renewed yearly by mutual consent.

2. Services to BMS Members

1. Service Provider shall provide treatment/services as per good medical and business practices.
2. Service Provider shall provide quality and safe medical services using hygienic and valid (non-expired) medicines and accessories.
3. Services shall follow accepted medical standards and government guidelines.

3. Identification of BMS Members

1. Members will show their digital BMS Membership Card in the BMS Mobile App.
2. No physical card will be issued.
3. Service Provider must verify the card before giving benefits.
4. Service Provider must display BMS recognition materials (stickers, poster, standee) provided by BMS.

4. Concession / Discount Policy

A. GENERAL PHYSICIANS / CLINICS

30% concession on:

• Consultation
• In-house medicines
• Dressing / Injection / Insulin
• BP / Diabetes check
• Minor treatments

B. HOSPITALS

30% concession on:

• Room Rent
• ICU & Nursing
• Procedure charges
• Operation charges
• Pathology & Radiology
• ECG / Monitor / Emergency / Delivery
• Other hospital service charges

Note: Concession is not applicable on medicines, oxygen, visiting doctors, blood, specialist doctors & anesthesia charges.

C. DIAGNOSTIC / PATHOLOGY / RADIOLOGY CENTERS

30% concession on all tests, investigations & reports.

5. Referral Obligations

1. If further treatment is required (hospitalization, lab test, radiology, specialist), the doctor/clinic must refer the member to BMS Network Providers only.
2. Service Provider must inform BMS office within 6 hours of referring a patient.

6. Legal & Professional Responsibility

1. Service Provider confirms that all licenses, registrations & approvals required to practice are valid.
2. Service Provider declares that he/ she/ staff do not have any criminal complaint affecting medical practice.
3. Service Provider shall maintain professional indemnity insurance at their own cost.

7. Confidentiality

1. All information shared by BMS or members is confidential.
2. The provider shall not disclose any confidential information to outsiders without written consent of BMS.

8. Records & Reporting

1. Provider must maintain a simple record of BMS Members treated.
2. Provider shall participate in monthly feedback & review, if required by BMS.

9. Media & Branding Restrictions

1. Provider must not represent BMS to media without written approval.
2. Provider must not misuse or duplicate BMS logo/brand.
3. After termination, all use of BMS branding must stop immediately.

10. Payment Terms

1. All payments (consultation, tests, hospital charges) are to be collected directly from the member.
2. BMS is not responsible for any fee recovery or financial dispute between provider and member.

11. Indemnity & Liability

1. BMS does not interfere in treatment or medical decisions.
2. BMS is not responsible for outcome of treatment, medical errors, negligence, or staff actions of the service provider.
3. Service Provider shall indemnify BMS for any legal or financial liability caused due to provider's actions or violation of law.

12. Termination

1. Either party may terminate the empanelment with 30 days written notice.
2. Empanelment may be immediately cancelled if:
   • Provider violates any BMS Terms
   • Fraud, misconduct or malpractice is detected

13. Arbitration & Legal Jurisdiction

1. Any dispute shall be resolved through Arbitration under Arbitration & Conciliation Act, 1996.
2. Legal jurisdiction shall be Thane District Court, Maharashtra.

14. Important Declaration

1. Bhagyoday Mediservices is NOT an Insurance or Mediclaim.
2. BMS does not assure cashless or free treatment.
3. This is a service-based concession program, not an insurance policy.
4. Service Provider must refer to this program only as "BMS Service".