1. The scheme has only one type of membership wherein a family person pays a premium of Rs. 20 per annum. This premium insures the person as well as all his/her family members
2. The premiums collected from members are consolidated in the account of UMSB and then invested in mutual funds, with a small amount in shares and loans. Investments in mutual funds are in both low return – highly secured schemes based on Debts, Govt. Securities and Debentures as well as in high return but relatively less secure equities. Vijaya Bank is the investment adviser to PRHPS. The large PRHPS portfolio of over Rs. 20 lakh that is involved in this investment is attracting other bankers also to make competitive offers of returns on investments. The mutual funds in which the funds are invested include financial companies such as HDFC, TATA, ING Vysya, Prudential-ICICI, Kotak Mahindra and Sahara
3. The premium is collected usually between January and March and is done through Village Committees
4. PLAN-International is providing matching grant against member contributions; however, this grant is being declined every year
5. Village Medical Depots have been established at village-level and managed by local trained persons. These depots are the first contact basis for villagers or members during times of illnesses. If there is no improvement in the patients, then they are referred to PHC/CHC or the district hospital or the Berhampur Medical College
