We are very thankful to all our Applicants and Marketing Persons. Every single Applicant inspires us. Your rights and efforts help us bring our plans in reality. Progress is an aim of the company. Our existing as well as future Applicants have always been demanding for more benefits and services. Due to the mutual work of our Applicants and Marketing Persons it becomes possible for us to know your needs and expectations at any point of time. As we had said earlier, there is a record of vast growth of company and there has also been a growth in all its business activities. The number of Applicants and Marketing Persons are growing consistently and accordingly it has become impossible to contact every Applicant personally. Hence, through this concord we try to reach you from time to time.

SUSAMVAD has been prepared for an easy interaction between the Applicant and the Company. With the help of this book, we have tried to answer the doubts in the minds of our Applicants and have created a transparent picture of the same. This SUSAMVAD will create strong mutual relations between the Applicants and the Company.

It is possible to communicate with the Company through this SUSAMVAD. We are confident that, through this communication, you will gain knowledge about us and our activities. You can experience a unique experience with us. We expect suggestions from you so as to gradually strengthen the relations between us and also equally sharing this experience with you.

Come… Join us…
Be a part of PANCARD family…

• When was PANCARD Clubs Limited established?

• PANCARD Clubs is a limited company. PANCARD Clubs Limited was registered under Registrar of Company's Act 1956 on 24th January 1997 (Registration No. 11/105363).

• How many offices does the Company have?

• The Company has offices in many States of India. The Registered and Corporate office is at: 110-116, Kaliandas Udyog Bhavan, Near Century Bazaar, Prabhadevi, Mumbai - 400 025.
  

  Telephone no.: 022 - 666 22 777
  Fax: 022 - 243 23 876
  E-mail: [email protected]
  

  The list of various branch addresses is available with our customer care department. All the offices of the Company are fully computerized. Modern Information Technology has been used to automate most of the important activities of the Company.

• Which concept has been developed by PANCARD Clubs Limited?

• The PANCARD Clubs Limited has developed the concept of Holiday Option.

• What does Holiday Option mean?

• Holiday Option is a novel concept in which an Applicant can obtain room nights in advance for a specific period. Therefore the company offers him low rates than the prevailing rates, at the Company's (own and it's affiliated) Clubs, Hotels and Resorts.

• What are the benefits of Holiday Option?

• The benefits of Holiday Option are as follows:

  1. The advance room nights obtained by the Applicant are at discounted prices offered by the Company; hence the rates are less than the prevailing tariff rates.
  2. During the tenure of the obtained Holiday Option, the rates at which the Room Nights are offered to the Applicant remain constant.
  3. The most important benefit is that the room nights are not lapsed, even if the Applicant doesn't partially or fully utilise the obtained room nights within the tenure of the Holiday Option. At the end of the tenure, the Applicant can surrender these room nights to the Company at the Estimated Surrender Value declared by the Company. The Estimated Surrender Value declared by the Company is dependent upon the market conditions in the hospitality industry at that time.
  4. Applicant can gift the obtained Room nights to his relatives and friends. Applicant can exchange the obtained room nights against Company's other products and services, e.g. Company's Clubs, Auditoriums, Conference Halls, Travel Services, etc. In this way, the Applicant can use their obtained Room Nights for availing alternate service, thereby getting value for money.

• Who can apply for Holiday Options?

• An Indian, who is not involved in any illegal matters, is eligible for applying for Holiday Option.

• How can an Applicant use the Holiday Option?

• An Applicant can use the Holiday Option in the following manner:

  1. After completion of 60 days from the date of obtaining Holiday Option, Room Nights can be utilized at any of the Company's Clubs and Hotels. Obtained Room Nights can also be gifted to relatives and friends.
  2. At the end of the tenure, the Applicant can surrender the unused room nights to the Company at the Estimated Surrender Value declared by the Company.
  3. The Applicant can avail following products and services against the Estimated Surrender Value of the Holiday Option;
     1. Software Programmes developed by the company.
     2. Company's Clubs, Auditoriums, Conference Halls, etc.
     3. Full / partial amount of unused room nights can be converted into live holiday option.

• How to apply for holiday option?

• The Applicant must submit Holiday Option form, duly filled in English CAPITAL letters in black ink at any of the PCL branches. Holiday Option application will not be accepted if the application form has alterations OR is overwritten OR is incomplete. The management has a right to reject any application.

• What is meant by current tariff, offered price and surrender value payment?

• Current tariff means prevailing charges of room night at Company's Clubs and Hotels. Offered price means, concessional charges offered to an applicant who applies to obtain the room nights in advance. Surrender value payment means prospective estimated charges of room night.

• Which type of room is offered to an Applicant?

• Applicant is offered a standard non-AC room for accommodating a couple and a child below 5 years of age. The Applicant can upgrade this offer to an AC Room by paying the differential amount, which must be paid before leaving the Club / Hotel.

• What is the procedure for booking of room nights?

• Procedure for booking of room nights is as follows;

  1. Applicant should contact the centralized hotel booking desk personally or through the marketing person.
  2. Applicant must submit duly filled in "Intimation for usage of room nights" form at the centralized hotel booking desk, 30-45 days (90 days during peak season) prior to the date of booking.
  3. If the rooms are available, booking is confirmed as per the Applicants requirement.
  4. Upon booking, confirmation voucher is handed over to applicant against copy of Membership Certificate.

• From when can an applicant start using the obtained room nights?

• An applicant can start using the obtained room nights after 60 days of membership commencement date.

• Is it mandatory for an applicant to utilize the room nights during a particular period of the year?

• Applicant can utilize the room nights anytime throughout the year.

• Can the Applicant gift the obtained room nights?

• Yes. The Applicant can gift the obtained room nights to their "Near and Dear" ones. At such instance, the company issues "Guest Confirmation Voucher" to the applicant, for which the applicant has to pay Rs. 150/- (subject to change).

• What does "Near and Dear ones" mean?

• Any close relative of the applicant is considered as "Near and Dear ones". Eg: Spouse, Parents, Children, relatives and friends.

• Can the applicant get credit facility for food, beverages and other services at the Club / Hotel??

• No, at the time of check out, the applicant must pay all dues against food, beverages and other services availed.

• Does the applicant get concession on food and beverages at PANCARD Clubs / Hotels?

• Applicant may avail discount upto 15% on food and non-alcoholic beverages.

• What are the rules for cancellation of the booked room nights?

• The rules for cancellation of booked room nights are as follows;

  1. Prior to 7 days from the booking date, 100% cancellation of booked room night and refund of amount, if any.
  2. Prior to 3 days and less than 7 days from the booking date, 50% cancellation of booked room nights and refund of amount, if any.
  3. Prior to 2 days from the booking date, 100 % deduction of booked room nights and amount, if any.

• What is PANCARD?

• The card which gives an applicant, concession on cash purchases from the shops associated with the Company is called PANCARD.

• What is PANCARD directory?

• PANCARD directory is a listing of shops and commercial outlets, where the Applicants are offered concessions on purchase of products and services provided by them. Percentage of discount at each of these outlets is mentioned in this directory. These outlets display a board stating, 'WE ACCEPT PANCARD'.

• Is PANCARD valid all over India? What are the rules and regulations for obtaining concession?

• Yes, PANCARD is valid all over the country and concessions can be availed from those shops and commercial outlets, with whom the Company has tied up. Following are the rules and regulations for obtaining concessions;

  1. Applicant must produce the PANCARD at the shops and commercial outlets at the time of making any purchase.
  2. If these outlets are listed in PANCARD directory, then the mentioned discount is offered to the applicant.
  3. Applicant must make a purchase of minimum Rs. 250/- for availing the concession.
  4. Concession is given on the MRP of the product and services.
  5. The benefit of this discount card cannot be clubbed with any of the existing offers.

• Is the PANCARD directory available for all the Applicants?

• PANCARD directory is made available to all the Applicants at reasonable rates at its branches.

• Sometime, why do the listed shops and commercial outlets deny concession?

• The shops and commercial outlets deny concession when;

  1. The Applicant does not produce PANCARD at the time of purchase.
  2. Any other offers or discounts are provided by the shops and commercial outlets.
  3. The employees at the shops and commercial outlets are not aware about the tie-ups done between the Company and their organization.
  4. The purchase is less than Rs. 250/-.
  5. The purchase is made through any other mode of payment other than cash. (E.g.: Debit / Credit Card, etc.)

• Is thumb impression accepted instead of signature on the Holiday Option application form?

• Yes, clear and visible thumb impression of the applicant is accepted on the Holiday Option form.

• How does one get receipt against submission of Holiday Option form?

• Upon submission of Holiday Option form at any PANCARD branches along with Room Night Payment through cash, cheque, demand draft, pay order, the Company issues receipt to the Applicant / Marketing Person.

• Can applicant make payment through cheque for obtaining Holiday Option?

• Yes, the applicant can make payment through cheque / demand draft / pay order for obtaining Holiday Option. The same should be drawn in favor of, "PANCARD CLUBS LTD." Applicant is eligible for availing the benefits of the obtained Holiday Option, subject to clearance of the instrument.

• Outstation cheques are not accepted. Give an alternative for it.

• For the convenience of the Applicant as well as the Marketing Persons, the Company has provided Bank accounts in various Nationalized and Private Banks in major cities. E.g.: Bank of Maharashtra, Bank of India, Allahabad Bank, ING Vysya, HSBC, etc. Complete details of the bank names along with the account numbers are available with the customer care department. Marketing Persons can directly deposit the Room Night Payment along with Administration Charges in the said bank accounts or can submit a demand draft in favor of "PANCARD CLUBS LTD".

• What precautions should be taken while obtaining Holiday Option through cash?

• At the time of submission of Cash along with Holiday Option form, the applicant / marketing person should ensure to collect, revenue stamp affixed (only above Rs. 5,000/-) receipt in original, duly signed and stamped by authorized representative of the Company. Company does not stand responsible for the payment, if the Applicant / Marketing Persons fail to immediately collect the receipt from the cash counter.

• When does the Applicant get documents pertaining to acceptance of Holiday Option?

• The documents pertaining to the acceptance of Holiday Option are issued to the Applicants within 45 days from submission of application. However, incase of high business volumes, the documents are issued within 60 days from submission of application.

• What does Holiday Option document consist of?

• Holiday Option document consists of the following; Membership Certificate Company Profile PANCARD (Discount Card)

• Incase of applicant's death, who can avail the benefits Holiday Option?

• It is mandatory for an applicant to mention the details of the nominee on the Holiday Option form at the time of submission. Incase of applicant's death, the estimated surrender value can be paid to the nominee as per the Membership Certificate. The nominee can also avail the following as per the terms and conditions of the obtained Holiday Option;

  1. Unused Room Nights.
  2. Medi+Claim and / or Accidental Death and / or Natural Death claim benefits, whichever is applicable.
  3. The nominated heir cannot transfer the insurance benefits in his/her name.

• Can the applicant change or cancel the obtained Holiday Option?

• Holiday Option once obtained, cannot be changed or cancelled. However, the applicant can utilize the obtained room nights by gifting them to his "Near and Dear ones".

• Is the room night amount exempted from income tax?

• The room nights amount paid to the company is not exempted from income tax.

• Can the applicant exchange the Room Nights under Holiday Option for Company's Club Membership?

• If the Applicant wishes to utilize the Club Membership Facilities for self, then the amount of estimated surrender value can be adjusted against the cost of Club Membership as per the ratio decided by the Company.

• What are the different types of Club Memberships? Give details of the same.

• Club Memberships are of following types;

  1. Individual Club Membership: Membership which can be availed by any person above 18 years of age for his / her personal use is called Individual Club Membership. Through this membership the member can utilize club facilities such as swimming pool, gymnasium, health equipments, Spa, etc. The member can also get benefit of discount on stay and restaurant facilities provided by the club.
  2. Couple Club Membership: Membership which can be availed by a married couple is called Couple Club Membership. Through this membership the member couple can utilize club facilities such as swimming pool, gymnasium, health equipments, Spa, etc. They can also get benefit of discount on stay and restaurant facilities provided by the club.
  3. Family Club Membership: Membership which can be availed by any person along with his / her spouse and two children below 18 years of age is called Family Club Membership. Through this membership all four members can utilize club facilities such as swimming pool, gymnasium, health equipments, Spa, etc. They can also get benefit of discount on stay and restaurant facilities provided by the club.
  4. Corporate Club Membership: Membership which can be availed by any Company for its employees (maximum 3 in number) along with their spouse and two children below 18 years of age is called Corporate Club Membership. Through this membership the nominated 3 employees of the Company along with their family can utilize club facilities such as swimming pool, gymnasium, health equipments, Spa, etc. They can also get benefit of discount on stay and restaurant facilities provided by the club.
  5. Senior Citizens' Club Membership: This Membership is for the couples above the age of 65 years. For all the above types of Club Memberships the Applicant needs to pay yearly membership fees. In addition to the above benefits, special programmes like music concert, festival and new year parties, etc are arranged for the members at the club.

• What are the rules for enrolment of Marketing Person?

• Any individual who is above 18 years of age and has minimum educational qualification as HSC or equivalent is eligible to get enrolled as Marketing Person.

• What is the functionality of the Company?

• PANCARD Clubs gives an opportunity to every individual to start a business without any capital investment. The Company functions on the concept of advance booking of room nights, through a network of Marketing Persons. At the time of enrolment the Marketing Person gets attached to a chain through his / her introducer (Senior Marketing Person). As the number of Marketing Person increases, the chain expands vertically and laterally. The Marketing Persons may work full time or part time with the Company and earn attractive amount of money. For the benefit of the Marketing Persons, several Seminars and Business Development Conferences are organized at various cities and at five star hotels at regular intervals.

• Where does the Company have its own Clubs and Hotel? Give details of the same.

• Panoramic Group of Companies owns Clubs and Hotels at various cities in India and Abroad. The Addresses of these properties are given below;

  India

  Hotel Sai Sahawas
  Opposite Gondkar Complex,
  Near Andhra Bank,
  Pimpalwadi Road, Shirdi,
  Maharashtra – 423109.
  Telephone: 02423-2526363/4/5
  Fax: 02423-2526366
  
  Pancard Clubs
  Baner Hill, Baner, Pune,
  Maharashtra - 411 045.
  Telephone: 020-66035000
  Fax: 020-66035108
  
  Hotel Sagar Kinara
  5, Somwar Peth, Near Saraswat Bank,
  Malwan, District - Sindhudurg,
  Maharashtra – 416 606.
  Telephone: 02365-252264
  Fax: 02365-253910
  
  Gracino Cottage
  Near Kolwa Beach, Madgaon,
  Goa - 403 708.
  Telephone: 0832-2788787 / 2789022
  Fax: 00832-2789021
  
  Panoramic Resort
  Mumbai Goa Road, Kalhe Village,
  Near Karnala Birds Sanctuary,
  Taluka - Panvel, District – Raigad,
  Maharashtra - 410 221.
  Telephone: 02143-226235
  Fax: 02143-226150
  
  Panoramic Sea Resort
  Near Kadalpalam, Beach Road,
  Aleppy,
  Kerala - 688 012.
  Telephone: 0477-2251070
  
  United-21, Thane
  29, Lal Bahadur Shastri Marg,
  Gokul Nagart, Thane (West),
  Maharashtra - 400 601.
  Telephone: 022-41579999
  Fax: 022-41579900
  
  United-21, Mysore
  43/A, B.N Road,
  Hardinge Circle, Mysore,
  Karnataka,- 570 001
  Telephone: 0821-2522202/65
  Fax: 0821-2565781
  
  United-21, Hyderabad
  Sona Arcade, 9-1-199 to 218,
  St. Mary’s Road,
  Secundrabad/Hyderabad
  A.P - 500003
  Telephone: 040-67338800-10
  Fax: 040-67338812
  
  United-21 Resort, Kodaikanal
  Vipatty Road,
  Pachamarathodai,
  Kodaikanal,
  Tamilnadu
  Telephone: 04542-241943/53
  Fax: 04542-240775
  
  United-21 Grassland, Kaziranaga
  Grassland,,
  harmoti, Bagori Range ,
  Kaziranga,
  Assam
  
  
  

  United States of America & New Zealand

  
  
  Econo Lodge
  2133 W Hanford Road,
  Burlington, North Carolina - 27215.
  Telephone: +1-336-227-1270
  Fax: +1-336-227-1702
  
  United Inn
  1308, Barkley Road,
  North Syracuse, New York - 13212.
  Telephone: +1-315-451-1212
  Fax: +1-315-453-8050
  
  Georgian Resort and Conference Center
  384 Canada St.,
  Lake George, New York – 12885.
  Telephone: +1-518-668-5401
  Toll Free: 1800-525-3436
  Fax: +1-518-668-5817
  
  Clarion Inn
  240 E Hines Hill Road,
  Hudson, Ohio – 44226.
  Telephone: +1-330-653-9191
  Fax: +1-330-656-0048
  
  Baymont Inn and Suites
  2001 Veasley St.,
  Greensboro,
  North Carolina – 27407.
  Telephone: +1-336-294-6220
  Fax: +1-336-291-4463
  
  Sai Motels,
  385, Great South Road, Green Lane,
  Auckland, New Zealand.
  Telephone: +64-9-579-6063
  Fax: +64-9-575-4021
  

• What other benefits does the applicant get along with the obtained room nights?

• Along with obtained room nights, the applicant shall be eligible for various insurance benefits like Mediclaim, Life Insurance and Accidental Death Insurance from leading insurance companies, based on the type of Holiday Option opted for.

• Give more details about the Insurance benefits.

• For more details about Insurance benefits, please see Insurance section

• What are the other businesses of Panoramic Group of Companies?

• Panoramic Group of Companies is a diversified multinational conglomerate engaged in the businesses of hospitality, travel & tourism and information technology. The Group has extensive geographical presence, with its footprints across India, USA and New Zealand. Companies under the Group’s flagship are Panoramic Universal Limited, Future Travels, Panoramic Holidays and Panoramic Tours & Travels.
  

  Panoramic Universal Limited

  Panoramic Universal Limited is listed with Bombay Stock Exchange (BSE) and National Stock Exchange (NSE).

  Following businesses are done under Panoramic Universal Limited;

  • Software Development: The Company undertakes projects for developing softwares for varied Industries.
  • Pan-Ad: The Company undertakes outdoor and in-house advertising projects for various brands.
  
  
  Panoramic Holidays Limited
  • Panoramic Holidays Limited is the best value timeshare organization which is firmly progressing to became world’s Number 1.
  • A family holiday, at a specific place, for a specific period, for a specified number of years, against one time initial payment and payment of annual maintenance fee means timeshare.
  • Panoramic Holidays Limited offers following products;
  
  
  Magic Holidays
  • Owning a Holiday in advance, at today’s price.
  • Life membership of 25 years for a couple and children below 12 years of age.
  • Entitles the member for a week’s holiday at more than 6000 resorts.
  • An affordable way to holiday with your family.
  • Flexible. Can be gifted or rented.
  • Accommodations offer better amenities.
  • Maintenance costs of the amenities is shared by all members.
  • Membership can be passed to ones heirs.
  • Suitable for yearly breaks from busy schedules.
  • Flexible schemes.
  
  
  Magic Getaways
  • Booking of Holidays at fully furnished accommodations.
  • Booking on weekly increments, Eg: 6 nights / 7 days or for a fraction of the cost of the actual price.
  • The customers can make use of this advance booked Holidays for them or rent it to others.
  • Member can utilize the Holiday plan during any season of the year.
  • Members can choose any destination of their choice.
  • Easy reservations.
  • Flexible Equated Monthly Installments (EMIs).

  For more details about Panoramic Holidays Limited, visit www.panoramicholidays.in

  OR

  Panoramic Holidays Ltd., 4/A Gansiddhi Vinayak CHS, Dilip Gupte Marg, Opp. Goa Portuguesa Hotel Lane, Mahim, Mumbai - 400 016.
  Tel No.: 022 661 71 900.

  Panoramic Tours and Travels Limited
  • Panoramic Tour & Travels is an IATA approved travel agency, specialized in arrangement of Customized Tours, fixed departures for domestic international tours, etc.
  • Following services are offered by Panoramic Tours and Travels;
    1. Ticketing
    2. Travel insurance
    3. Foreign exchange
    4. Visa Assistance
    5. Pass port Services

  For more details about Panoramic Tours and Travels Limited, visit www.travelhot.in

  OR

  Panoramic Tour and Travels Ltd, Shop no 15, Navbhavana Co Hsg Soc, Close to Siddhivinayak Mandir, Below Rajshree Production, Prabhadevi, Dadar (West), Mumbai - 400025. Tel No.: 022 - 43413400 / 14.

Over a decade now, PANCARD has been assisting its Applicants to avail the benefits of Mediclaim, Life Insurance and Accidental Death Claim through various Insurance Companies. Many a times, it has been observed that due to the lack of knowledge (of Applicants and Marketing Persons) incomplete papers are submitted at the time of claim submission. This results in delayed claim settlements or claim rejections, in extreme cases, which causes anxiety to the Applicants and Marketing Persons.

1. All papers submitted by the Applicant must be in original.
2. The Applicant must enclose Xerox copy of PANCARD certificate which certifies him / her to be a bonafide PANCARD Applicant.
3. The Applicant must submit, Annexure form duly filled in, signed and stamped by the treating Doctor of the Hospital, where the Applicant was admitted for treatment.
4. The Applicant must fill in the Mediclaim form in his / her legible handwriting and sign on both sides mentioning the amount claimed for.
5. Certificate of treatment and letter from Family Doctor advising the Applicant to get admitted to the Hospital is essential.
6. Indoor case papers from the Hospital along with other information gathered during Hospitalization.
7. Prescription from the Hospital’s Doctor.
8. Medicine bills having patient’s name and Doctor’s name mentioned on it.
9. The original reports and the bills of various tests conducted during the Hospitalization. Eg: Blood Test Report, X-ray Report, etc.
10. The discharge card of the hospital mentioning the disease and the treatment given.
11. At the time of getting discharge from the Hospital, bills having receipt numbers should contain all items which are billed.
12. Hospital’s final receipt against bill payment, along with revenue stamp.
13. Hospital’s receipt against any advance payment, received at the time of Hospitalization.
14. In case of an accident, FIR and the medico-legal certificate issued by the Police authorities is a mandatory.
15. In case during the course of the treatment if a patient is shifted from one hospital to another hospital the transfer certificate is most essential.
16. All the above mentioned papers should be submitted to PANCARD CLUBS LIMITED office within 30 days of discharge from the hospital.
17. The onus of acceptance or rejection of the claim solely lies with the management of the Insurance Company.
18. Once the claim file is submitted to the Insurance Company, no changes can be done in the submitted details.
19. Before submitting the claim file at PANCARD CLUBS LIMITED office, the Applicant is expected to keep a copy of all papers with him / her. No papers will be returned to the Applicant, in any circumstances.
20. All the documents should be submitted / translated in English and / or Marathi.
21. Intimation regarding hospitalization must be communicated through intimation form within 7 DAYS of the hospitalization on Fax No. : 022 – 66622770 / 12.

• Jaipur
• Hyderabad
• Goa
• Kerala
• Pune
• West Bengal

• Pancard Clubs, Pune
• United-21, Thane

• Area-51, Pune

Over a decade now, PANCARD has been assisting its Applicants to avail the benefits of Mediclaim, Life Insurance and Accidental Death Claim through various Insurance Companies. Many a times, it has been observed that due to the lack of knowledge (of Applicants and Marketing Persons) incomplete papers are submitted at the time of claim submission. This results in delayed claim settlements or claim rejections, in extreme cases, which causes anxiety to the Applicants and Marketing Persons.

Basic Rules:

1. All papers submitted by the Applicant must be in original.
2. The Applicant must enclose Xerox copy of PANCARD certificate which certifies him / her to be a bonafide PANCARD Applicant.
3. The Applicant must submit, Annexure form duly filled in, signed and stamped by the treating Doctor of the Hospital, where the Applicant was admitted for treatment.
4. The Applicant must fill in the Mediclaim form in his / her legible handwriting and sign on both sides mentioning the amount claimed for.
5. Certificate of treatment and letter from Family Doctor advising the Applicant to get admitted to the Hospital is essential.
6. Indoor case papers from the Hospital along with other information gathered during Hospitalization.
7. Prescription from the Hospital’s Doctor.
8. Medicine bills having patient’s name and Doctor’s name mentioned on it.
9. The original reports and the bills of various tests conducted during the Hospitalization. Eg: Blood Test Report, X-ray Report, etc.
10. The discharge card of the hospital mentioning the disease and the treatment given.
11. At the time of getting discharge from the Hospital, bills having receipt numbers should contain all items which are billed.
12. Hospital’s final receipt against bill payment, along with revenue stamp.
13. Hospital’s receipt against any advance payment, received at the time of Hospitalization.
14. In case of an accident, FIR and the medico-legal certificate issued by the Police authorities is a mandatory.
15. In case during the course of the treatment if a patient is shifted from one hospital to another hospital the transfer certificate is most essential.
16. All the above mentioned papers should be submitted to PANCARD CLUBS LIMITED office within 30 days of discharge from the hospital.
17. The onus of acceptance or rejection of the claim solely lies with the management of the Insurance Company.
18. Once the claim file is submitted to the Insurance Company, no changes can be done in the submitted details.
19. Before submitting the claim file at PANCARD CLUBS LIMITED office, the Applicant is expected to keep a copy of all papers with him / her. No papers will be returned to the Applicant, in any circumstances.
20. All the documents should be submitted / translated in English and / or Marathi.
21. Intimation regarding hospitalization must be communicated through intimation form within 7 DAYS of the hospitalization on Fax No. : 022 – 66622770 / 12.

• Mediclaim
• Accidential Death Claim
• LIC

• Can the Applicant get claim on the pre-hospitalization treatment?

• Many a times it has been observed that the patient undergoes various tests (blood, urine, X-ray, etc.) as advised by the local doctor for diagnosis of the disease. After examination and if it is beyond his scope he advises him to get admitted to the local hospital. At the Hospital, the patient has to once again undergo all the tests. The patient can claim the expenses incurred during hospitalization and also pre-hospitalization subject to certificate from the local doctor justifying the advice for tests being done pre-hospitalization.

• If the Applicant dies during hospitalization, will his / her family get the benefit of mediclaim?

• The Applicant’s nominee can get the benefit of mediclaim, if the patient dies during Hospitalization.

• If the Applicant dies during hospitalization, will his / her family get dual benefit of mediclaim and accidental death claim?

• If the Applicant is hospitalized due to accident and dies during hospitalization, his / her nominee can get dual benefit of mediclaim as well as accidental death claim.

• How can the claimant claim mediclaim, if both, the Applicant and his / her declared nominee dies?

• In case of death of the Applicant as well as his / her declared nominee, the claimant should approach the Court for Succession Certificate and submit the same along with the claim case file for settlement of claim. It is also essential to submit NOC (No Objection Certificate) from other members of the family, forfeiting their claim in favor of the person appointed by the Court to accept the claim.

• Is the Applicant eligible for all the expenses incurred by him / her for the treatment?

• The patient is eligible for all the expenses incurred for the treatment. The claim amount however should not exceed the policy coverage amount.

• Can the Applicant get back the papers submitted along with claim case file?

• The papers submitted by the Applicant along with claim case file are not returned to him / her, even incase of acceptance or rejection. Hence it is advisable that the Applicant keeps a copy of the papers, before submitting the original papers.

• How many times in a calendar year can the Applicant submit his claim?

• In a calendar year, the Applicant can submit the claim, equivalent to the policy coverage amount.

• Can the Applicant submit the claim even after the termination of his membership?

• Any claim submitted by the Applicant after the termination of the membership will lead to non settlement of claim.

• While handing over the accidental death claim cheque to the nominee why does the nominee have to provide his identity proof?

• It is essential to confirm the relation between the dead Applicant and the nominee to avoid mishandling of the claim cheque; hence nominee’s identity proof is required to be provided at the time of collecting the cheque. The nominee must get along with him / her original ration card, election card, bank passbook along with Xerox copy of the same.

• Why are the mediclaim and accidental death claim cheques handed over only to the Applicant / nominee and the nominee respectively?

• If the claim cheque is lost, it takes 7 to 8 months to issue a duplicate cheque. Hence the claim cheques are handed over to the Applicant and / or nominee only to avoid any delay.

• Why should the claimant submit all original documents in the claim case file?

• The original papers are required to be submitted in the claim case file, so as to avoid any misuse of the papers with regards to duplicate claim submission, etc. Only PANCARD membership certificate can be submitted in Xerox.

• Is it mandatory to submit the Annexure form with the doctor’s signature from the hospital where the Applicant has undergone treatment?

• It is very essential to submit the duly filled in Annexure form, signed and stamped by the doctor as a proof of treatment undertaken by the Applicant. This provides the registration number of the doctor and confirms that the hospital too is registered.

• Why should the mediclaim form be filled in completely?

• In order to make available all details of illness, treatment taken at the hospital and the expenses incurred, the Insurance company insists on completely filled in mediclaim form by the Applicant.

• What are Indoor Case papers?

• "When any patient gets admitted in the hospital, doctors give instructions for treating the patient. Various tests are conducted; different types of medicines are administered to the patient. From time to time, all this is recorded on paper till the patient is discharged. These papers are called as Indoor Case papers."

• Why is it necessary to submit doctor’s prescription along with doctor’s name and patient’s name on the medicine bills?

• When the patient is admitted to the hospital, treating doctor prescribes medicines required for the patient’s treatment. These medicines are bought from the chemist. In some cases, the claimants try to attach bills having no relevance with the illness for which the patient is getting treated or attach fraud bills with the intension of getting more money from the Insurance Company. Hence submission of doctor’s prescription along with doctor’s name and patient’s name on the medical bill is mandatory for smooth claim settlement.

• Why is it necessary to submit discharge card along with claim case file?

• The discharge card is the most important document in the claim case file. It gives details of the proof patients date of admission and date of discharge from the hospital.

• What is final bill?

• At the time of getting discharge from the hospital, the patient is provided with the final bill for the expenses incurred during hospitalization. This bill should be submitted in original having hospital rubber stamp and revenue stamp affixed. Any advances paid at the time of hospitalization, same should be mentioned in the final bill and receipt against the advance payment also should be submitted along with claim case file.

• What are the additional documents required incase of hospitalization due to accident?

• Apart from the other basic documents for claim settlement, Police FIR and Medico-Legal Certificate is extremely essential incase of hospitalization due to accident.

• Which documents are required if the patient is transferred from one hospital to another during the course of the treatment?

• Transfer Certificate is required if the patient is transferred from one hospital to another during the course of the treatment.

• Within how many days does the Applicant need to submit the mediclaim case file?

• The Applicant must submit the mediclaim case file within 30 days from the date of discharge at any of the PANCARD offices.

• Who can sanction the claims?

• The onus of acceptance or rejection of the claim lies with the management of the Insurance Company.

• Can the bills be submitted subsequently after submitting the claim case file?

• The Applicant must ensure that all the bills related to the claim are submitted along with the claim case file. Incomplete papers shall not be entertained.

• Can the Applicant submit all documents in claim case file in any language apart from English?

• All documents in claim case file must be in English only, except for the State of Maharashtra. If the documents are in any other language like Bengali, Gujarati, Hindi, etc, then the Applicant must submit the translations of these documents along with the original papers.

• If the mediclaim and / or death claim cheque is not collected or not deposited in the bank by the Applicant or nominee, can he / she get another cheque against the earlier cheque, even if it is stale?

• The Applicant and nominee can request to revalidate the cheque by submitting an application giving justification as to why the cheque was not collected or deposited in the bank for encashing it.

• Is the Applicant informed about rejection of claim? If yes, how?

• The Applicant is informed about the rejection of claim through a letter mentioning the reason for rejection as well.

• What does, "In Process", "Under Investigation" and "LC" mean?

• "In Process" means all papers submitted for the claim are correct and are being checked by the Insurance Company’s Doctor. "Under Investigation" means that the Insurance Company’s Doctor has some doubts and he has sent the papers to their Investigation Department before concluding the claim settlement. If the Applicant has submitted any papers after requirement given by the Insurance Company, this status of claim case file is called "LC", i.e. "Liability Claim".

• How many claim case files are received on monthly basis?

• On an average 600 claim case files are received in a month. Out of which 97% to 98% claims are settled. Balance 3% to 2% are rejected due to incomplete and incorrect (bogus) papers. The total claim amount generally ranges between 2 to 3 crores.

• Why can’t the Applicant submit his/ her claim case file at other branch offices of the Insurance Company at various cities?

• PANCARD Clubs Limited has tied-up with the Insurance Company at one of their branches. Hence all claim case files are submitted at this branch only.

• Does any claim file get re-opened after it is rejected (bogus)?

• No, the Insurance Company does not re-open the rejected (bogus) claim case file once it is closed.

• Can the Applicant directly enquire with the Insurance Company regarding the claim status?

• No, the Applicant cannot directly enquire regarding claim status with the Insurance Company.

• Why is it so that, sometimes the claim is settled against Life Insurance but are rejected against Accidental Death Claim?

• While sanctioning the Life Insurance claims, the Insurance Company validates the death of the Applicant. Whereas in accidental death claim, the reason for death is also checked by the Insurance Company. If the Applicant has not died due to accident, then the claim against accidental death claim is not settled.

• From when does the Insurance coverage start for the Applicant?

• The Insurance coverage starts from the Insurance commencement date as mentioned on the Membership certificate issued to the Applicant. The same is within 90 days from the date of membership date, only once he / she is registered with the Insurance Company.

• Can the Applicant claim immediately upon obtaining Room Nights?

• No, the Applicant cannot claim immediately upon obtaining Room Nights. The Applicant is eligible for any claims only after he / she is registered with the Insurance Company.

• Can the claimant submit copy if the original case papers incase of murder is not made available by the Police?

• Incase of murder, if the original papers are not made available by the Police, then Xerox papers attested by the Police can be submitted along with the claim case file.

• Is it mandatory to submit postmortem report along with the claim case file?

• Yes, it is mandatory to submit postmortem report along with the claim case file. However, in remote areas where this facility is not available, a certificate stating that last rites have been done without postmortem is a must. This can be issued by Police Patil / Sarpanch / Government Hospital / nearest Police Station. In absence of such a certificate, claims shall be rejected.

• Does the claimant get any acknowledgement against the submission of claim case file?

• An acknowledgement slip bearing the claim serial number is issued to the claimant on submission of claim case file.

• Can the Applicant submit partial claim documents?

• Partial claim documents are not accepted by the Insurance Company, hence the Applicant is not allowed to submit incomplete claim case file.

• If the parent / guardian has signed on the Holiday Option form on behalf of the minor Applicant at the time of obtaining Room Nights and if the Applicant (now a major) submits the claim, who has to sign on the claim form?

• The claim form must be signed by the Applicant (now a major) and the same needs to be attested by the parent / guardian The son/daughter will sign and the same has to be attested by the parent confirming that his son/daughter have become major. The Applicant (now a major) must get his / her signature attested by the bank so as to enable the Company to issue the claim settlement cheque in his / her favor.

• If the Applicant is a minor and dies when he / she become a major, does the death claim benefit increase?

• The claimant can get the death claim amount as per the Insurance eligibility mentioned on the Membership certificate issued to the Applicant. The claim benefits do not increase if the Applicant dies upon becoming a major.

• Can any other person collect the claim cheque if a disabled or old parent (claimant) of the deceased is unable to visit PANCARD office?

• If a disabled or old parent (claimant) is unable to visit PANCARD office, he / she can authorize close relative to collect the claim cheque on his / hr behalf through an authorization letter. The Company cannot be held responsible for any loss of cheque in such a case.

• Is the Applicant eligible to claim the Insurance benefits immediately after the Insurance commencement date?

• The Applicant is eligible to the claim the Insurance benefits only after 90 days from the Insurance commencement date and not from the Policy commencement date.

• Can the Applicant submit the claim for undergoing treatment at any hospital?

• TYes, the Applicant can submit the claim for undergoing treatment at any doctor or hospital. However, if the number of beds in the hospital is below 10 the claim is rejected. No claims are entertained if the treatment is taken from an Ayurvedic or Unani doctor. Also if the Applicant has undergone treatment at any of the Hospitals listed in Annexure "A", claim is rejected.

• Can the claimant avail the benefit of claim incase of death / hospitalization due to any reason?

• No, the claimant cannot avail death claim / mediclaim benefit if the death / hospitalization is due to any reason. Death claim benefit cannot be availed if the Applicant has committed suicide (suicide due to depression, jumping in the well, setting self on fire, jumping before a moving train, poisoning, etc). Mediclaim cannot be availed if the Applicant has fallen while performing Dahihandi, travelling triple seat on motor cycle, driving in drunken state, street fighting under the influence of alcohol, driving without a valid license, traveling under the influence of alcohol, etc.

1. Commission percentage is as high as 36% to 64%.
2. Improper product and schemes, over commitment.
3. Poor Administration.
4. Directors having lack of knowledge and inexperience.
5. Unjustified and advance commissions paid to agents.
6. Huge amount spent on advertising.
7. Huge expenses incurred during inauguration, done through celebrities.
8. Uncontrolled distribution of stationary and Company literature.
9. Non asset based Company.
10. Lack of quality products.
11. Indiscipline and irresponsible behavior towards work.
12. Lack of monitoring and coaching to the field.
13. Customer money is not used properly.
14. Lack of transparency and poor product knowledge of field.
15. Shortsightedness and lack of vision.

1. Total commission payout is 23.60% only.
2. Apt product considering the customer needs.
3. Controlled administration.
4. Directors with vast experience and knowledge.
5. Suitable and timely commission paid to the Marketing Persons.
6. “Word of Mouth” advertisement strategy used.
7. Inauguration of various projects with blessings of “Guru”.
8. Controlled distribution of stationary and Company literature.
9. Diversified asset based Company.
10. Self designed / produced varied products.
11. Disciplined and responsible approach towards work.
12. Close monitoring and proper coaching given to the field.
13. Business contributions were aptly used for building assets in India as well as abroad.
14. Transparent and continues product training to the field.
15. Visionary leaders.

Procedure of Room Night Usages:

(Room Booking Cell no. 022 666 22 777 & SMS YES to 9820 044 044)

• Kerala Package – 6 Nights / 7 Days
• Shimla - Kullu - Manali - 6 Nights / 7 Days
• Vaishno Devi - Jammu & Kashmir – 7 Nights / 8 Days
• Manali Package - 4 Nights /5 Days

• Date of Travel:-
  18/03/2012 to 20/03/2012
  Visitor Name:-
  Mr. Prabhkumar Nath
  Trip Details:-
  Matheran Package for 2N/3D
  Visitor's Feedback:-
  Arrangement was very Nice. Food was very tasty. I enjoyed a Matheran a lot & there was no issues at all.
  
  
• Date of Travel:-
  18/03/2012
  Visitor Name:-
  Mr. P M Raorane
  Trip Details:-
  Group Picnic at Panvel Resort
  Visitor's Feedback:-
  Thank You for your cooperation & very nice experience.
  
  
• Date of Travel:-
  02/03/2012 to 08/03/2012
  Visitor Name:-
  Mr. Ashish Desai
  Trip Details:-
  Goa Package for 7N/8D
  Visitor's Feedback:-
  Hotel arranged was very good. Location was very nice. Arrangement was properly done. We did not face any problems.
  
  
• Date of Travel:-
  28/02/2012 to 04/03/2012
  Visitor Name:-
  Mr. Sudhir Kaushik
  Trip Details:-
  Kullu-Manali Package for 4N/5D
  Visitor's Feedback:-
  Hotel was good means we do not found any point to say that hotel is not good. Service was very nice. Our experience was good.
  
  
• Date of Travel:-
  23/02/2012 to 25/02/2012
  Visitor Name:-
  Mr. Sunil Dehadray
  Trip Details:-
  Goa Package – 3N/4D
  Visitor's Feedback:-
  It was great experience at Goa. The package was very nicely planned. Food was very nice. Also please tell what all other packages you have.
  
  
• Date of Travel:-
  4/12/2011 to 6/12/2011
  Visitor Name:-
  Ms. Anisha Desai
  Trip Details:-
  Booking done at Sagar Kinara, Malvan
  Visitor's Feedback:-
  Hotel is very nice. Service is very good. We liked it so much. Also we would like to take more Holiday Options from Pancard Clubs Limited.