ICICI Lombard General Insurance, in collaboration with Practo, have launched a health insurance app ‘IL TakeCare’, the healthcare platform which implements the concept of cashless OPD. The ‘IL TakeCare’ application works in sync with Practo’s ‘Trinity’ technology. This solution covers OPD expenses of all its customers. The app addresses customer requirements which includes real-time claim authentication of expenses such as doctor consultation, medical tests, pharmacy spends etc. Also, it enables the user to access a cashless network comprising of specialized doctors and tackle the customer’s problem of paying for OPD expenses from their own pocket. The app has allowed customers make cashless visits with doctors including those who operate stand-alone clinics.
With the help of IL TakeCare app, users can book a network diagnostics centre for medical tests and receive the results on the app. Thus, this acts as an online repository of medical records. The medicines will be available at discounted rates. The users will be able to pick them from a medical store or get delivery at their home. The app enables real-time view of personal health records (PHRs) and other benefits, billings and transactions for service providers. It consists of a one-time password (OTP) for all transactions via mobile or email. Also, it provides multiple access points for the family members.
Practo’s Trinity technology will provide a paperless and cashless experience to the patients. They will get information related to everyday healthcare needs such as doctor visits, medicine purchase, online consultations and diagnostic tests. The customers can visit ICICI Lombard clinics on Practo’s provider network by booking appointments through the app. For improving the transparency levels, the system will recognize them automatically and verify the transaction done through the app. The doctors will be able to send the structured digital prescriptions thus helping ICICI Lombard in identifying prescribed tests, treatments and medicines. This will further ensure real-time adjudication of claims and periodic settlement for doctors.
