MEDISEP insurance scheme for Kerala govt staff, pensioners: Know the benefits

Representative Image | Photo: Mathrubhumi

Thiruvananthapuram: MEDISEP, the new insurance scheme for state government staff and pensioners, will be effective from July 1. As per the scheme, government employees, pensioners and their dependents in Kerala are now all set to get the coverage of a comprehensive medical insurance scheme for a nominal monthly premium of Rs 500.

However, it is learnt that the premium amount will be levied from even those who have not enrolled for the scheme. As they have neither enrolled nor given personal details, the insurance card will not be issued. The state government’s direction is that all employees should enrol compulsorily.

Meanwhile, the final list of hospitals under which the scheme will available will be published by the finance department. Reportedly, the employees have been urging the government to enlist AYUSH treatment centres as well. As of now, the AYUSH treatment centres are not included.

The preliminary estimate is that 370 hospitals will be part of the scheme. This includes 213 private hospitals, 144 government hospitals (including medical colleges) and Regional Cancer Centre. Apart from this, 12 hospitals outside Kerala are also empanelled.

Oriental Insurance Company has prepared the hospital list. The government is expected to approve it soon after the review.

The major features of the scheme are:

  • Reimbursement for emergencies like serious road accidents, cardiac arrest, and stroke, even in the hospitals that not empanelled
  • A total of 1,932 packages have been approved by the government, including childbirth
  • District-wise redressal mechanism
  • Newborns included in scheme automatically

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