1. Using Technology to provide an innovative sustainable model for delivery of Cashless Health Insurance
                            
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2. AGENDA
System Components
About Smart Cards
Enrollment
Transactions
Process Flow
Roles & Responsibilities

3. System Components
ystem Components

4. System Features About Smart Cards Unique Identification
Fool proof Authentication of Beneficiary
Instant Validation of Mediclaim Balance available
Multiple levels of Security
Claims Processing
Least inconvenience to Beneficiary
Reduction in administrative costs for Hospitals & Insurance agencies
Enable product innovation
Fast availability of MIS for analysis & fraud control
Possible to Store customer’s health history
Other Government Schemes for the same set of beneficiaries can make use of available Card real estate.

5. About Smart Cards Supports About Smart Cards Stores Data
Images
Codes
Security Keys
Algorithms
Supports
Authentication
Validation
Verification
Encryption
Business Logic
Non Repudiation

6. Enrollment KIT

7. EOn the Field
Enrollment Kit
Kit in Backpack
Enrollment on Tabletop

8. nrollment Station
Enrollment Process 8

9. CInside the Station Enrollment Process Web Camera for Photograph
Optical Biometric scanner for Fingerprints
Remodelled data masters based on State’s BPL data
Battery Power back-up for undisrupted enrolment
Option of printing & Issuing card at Site

10. Enrollment Process
Capturing Photograph

11. Enrollment process
Enrollment Process
Capturing Finger Prints

12. On the Field (contd.) Enrollment Process Enrollment Session
Night Lights

13. Unique Identification
Enrollment Process
UID
Customer
Data
Deduping
An application to capture beneficiary data, Personalise Cards, Conduct transactions , Transmit Data & provide MIS
Various methodologies used like demographic, Biometric (finger, face, etc.) - Fingerprint most effective from technical & cost perspective
Sr no + Birth Yr + Gender + State + Location + Checksum
Uniform Application Across states & Insurance Providers
This number can be and should be shared across several entities
Possible state of the art technology for de-duping

14. Unique Identification (UID)
Enrollment Process
Unique Identification (UID)
Serial number
Gender
Village Code/ Location
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Year of Birth
State
Checksum
Foolproof Identity
Biometric 14

15. Transaction
Transaction

16. Transaction
Transaction

17. Transaction
Transaction

18. Process Flow - Enrollment
State Server
Electronic BPL List
Photo, fingerprint , text details captured
Card Issued
Verification by Govt official, Administrative fees Rs.30
Enrolment station
Insurance Co details
Policy Details
Personalised Card
District Server
Enrollment & Personalisation Details
Card Activation
Issuer Authority Card
Keys Inserted
Card Activation Details
Policy Details
Premium amount
Insurance Company

19. Flow - Transactions Process Flow Authenticate Card holder
BPL Desk
State Server
Authenticate Card holder
Verify Policy Activation
Display Balance Insurance cover
Diagnostic Details
Confirm Hospitalisation Requirement
Confirm Package
Freeze amount on Card
Settlement Details
Discharge Details
Transaction Details
Package modifications
Hot List Card details
District Server
Transaction Details
Insurance Company
Transaction Details
Claims
Settlement Details

20. Roles & Responsibilities
Roles And Responsibilities
For the Government
Definition of Common Specifications for Cards & Devices
Setting up of a Central Key Management system (KMS) for a secure system
Development of a Uniform application
Availability of a Robust Backend system for data transmission & MIS
Defining a process for system conformonce of Smart Card product

21. Requirements to Deploy
Roles And Responsibilities
For the Insurance Companies
Designate a Central Nodal officer to deal with complete smart Card system
Evaluate the various Smart Card vendors & their capabilities
Ensure Tight contracts with Smart Card vendor for Seamless & Uninterrupted Operation & Maintenance of the system
Set up systems of checks & balances of the smart card product to ensure conformance to Government guidelines.

22. Thank You