Privacy & Payment Conditions Policy

1. Introduction

Ameelio Hospitals ("Ameelio," "we," "our," "us") is committed to protecting your personal information and ensuring transparency in our payment processes. This policy explains how we collect, use, store, and disclose your information, and outlines the conditions for payments, refunds, and cancellations for services provided by Ameelio Hospitals.

2. Information We Collect

• Personal Identification Data: Name, gender, date of birth, address, phone number, email.
• Medical Information: Medical history, diagnosis, prescriptions, test results, treatment details.
• Transaction Data: Billing records, payment information, insurance details.
• Digital Interaction Data: Website or app usage, IP addresses, cookies (if applicable).

3. Purpose of Data Collection

• Delivering and managing healthcare services.
• Processing payments, insurance claims, and billing.
• Scheduling appointments and managing hospital operations.
• Compliance with legal and regulatory obligations.
• Quality monitoring, training, and internal research (aggregated/anonymized).

4. Data Sharing & Disclosure

• Internal Use: Authorized doctors, nurses, and administrative staff.
• External Use: Third-party laboratories, pharmacies, insurance providers, or government authorities only where required by law or for your treatment/payment.
• No Unauthorised Sale: Ameelio Hospitals does not sell or rent patient data to marketers or unrelated third parties.

5. Data Protection Measures

• Secure servers, encryption, and access controls.
• Restricted access for sensitive records.
• Periodic reviews to ensure compliance with applicable privacy regulations (e.g., India's Digital Personal Data Protection Act, 2023).

6. Your Rights

• Access or request copies of your personal data where applicable.
• Request correction of inaccurate information.
• Withdraw consent for optional data processing where legally permitted.
• Request deletion of mobile app / website account data linked to your registration (see Section 6A below).

6A. Account & App Data Deletion (Google Play / Mobile Apps)

If you use the Ameelio Hospitals (patient) app, Ameelio Staff app, or our website patient portal, you may request deletion of the personal data we hold for that digital account. This page and our online form support Google Play’s account / data deletion requirements.

How to request deletion

• Open the form: delete-my-data.html (same hospital website where you used the app or services).
• Provide your full name, mobile number used on the account, optional email, and which app/product applies.
• Confirm the request and request a WhatsApp OTP to the same mobile number.
• Enter the OTP to verify that you control the number. Only after OTP verification is your request accepted into our system.

What happens after you submit

• OTP verification creates a request with status pending admin approval. Submitting does not immediately wipe data.
• An authorised hospital administrator reviews the request (identity and account match).
• If approved: app / portal account access is disabled; personal profile fields associated with that digital account are deleted or anonymised; active app login sessions and (for staff app, where applicable) device lock bindings may be cleared.
• If rejected: you may be contacted for more information, or the request may be declined if verification fails. No deletion is performed until approval.
• We aim to complete review within 30 days after a valid OTP-verified request, unless verification is delayed.

What we delete (when admin approves)

• Digital account profile data used for app or website login (name, registered mobile/email on the portal account, as applicable).
• Active patient portal / app sessions so you can no longer sign in with that account.
• Staff app device binding data tied to the account where the request is for the Staff app (employment HR records are handled separately under hospital policy).

What we may retain (legal / clinical / financial)

• Hospital clinical records, lab results, and treatment documents we must keep under applicable medical law, NABH/professional standards, or hospital retention policy.
• Billing, invoices, payment/gateway references, and tax records for statutory retention periods.
• Anonymised or aggregated statistics that do not identify you.
• Records we are required to keep for investigation, dispute, fraud prevention, or legal process.

7. Accepted Payment Methods

• Cash payments at the hospital billing desk.
• Credit/Debit Cards (Visa, MasterCard, RuPay).
• UPI, Net Banking, and authorized mobile wallets.
• Insurance claims processed via empanelled providers (subject to approval).

8. Advance Payments

• For planned procedures, surgeries, or admissions, patients may be required to pay an advance deposit to confirm booking.
• Advances are adjusted against final billing at discharge.

9. Billing and Receipts

• Detailed invoices are provided for all services rendered.
• Any discrepancies must be reported within 7 days of receipt.

10. Refunds & Cancellations

• Overpayments or Double Charges: Refunds issued within 10�15 working days after verification.
• Procedure/Service Cancellations:
  • Before Service Commencement: Refund after deducting administrative charges.
  • After Partial Service Delivery: Refund on a pro-rata basis where applicable.
• Refunds are processed using the original payment method.

11. Insurance Claims

• Patients must provide all required documents for cashless or reimbursement claims.
• Ameelio Hospitals is not responsible for claim rejection by insurance companies.

12. Late Payments & Outstanding Dues

• Full settlement of bills is required before discharge unless prior arrangements are approved.
• Outstanding dues may incur interest or late fees, as per hospital policy.

13. Policy Updates

Ameelio Hospitals may update this policy periodically. Updated versions will be available on our official website or at the hospital's administrative office.