Medical insurance scheme for state govt employees from June 1
Thiruvananthapuram: The Medical Insurance Scheme for State Employees and Pensioners (MEDISEP) will come into force from June 1. The state cabinet meet held on Friday decided to accept the tender of Reliance General Insurance to undertake the scheme.
Reliance have demanded Rs 2,992.48 (including GST) as minimum annual premium. Five insurance companies including 3 public sector companies participated in the tender procedures. As per the tender, the companies demanded annual premium as following; Bajaj Alliance General Insurance Company Ltd - Rs 9,438.82, New India Assurance company limted –Rs 17,700, Oriental Insurance Company Ltd- Rs 6,772 and National Insurance Company Ltd – Rs. 7,298.30.
The Finance department decided to approve the tender of Reliance after examining the tender of other companies.
Rs 250 as monthly permium
Under MEDISEP, Rs 250 will be deducted from the salary of the employees. At the same time, the premium amount will be deducted from the medical allowance of Rs 300 given to the pensioners.
Meanwhile, the medical reimbursement scheme which is in force will continue for treatment through Out Patient department.
Under the scheme, family of the employees and pensioners will get insurance coverage for three years.
Insurance coverage in three categories:
Each family will get basic insurance cover of Rs 2 lakh for a period of three years.
A maximum amount of Rs 6 lakhs will be given to a family for treatment of life threatening diseases including organ transplantation. This will be given as an extra amount along with the basic cover.
If a family is struggling to find money for medical expenditure, MEDISEP will provide additional assistance. A sum of Rs 3 lakh will be granted under the scheme additionally during the insurance coverage period. The insurance company will reserve Rs 25 crore for this purpose.
According to sources 11 lakh people will get benefit of MEDISEP.
Who are included in the scheme?
- State government employees including staff in High Court who comes under the ambit of Kerala Govt. Servants Medical Attendance rules
- Part-time contingent employees
- Teachers, non-teaching staff and part time teachers in Aided schools
- Staff and personal staff in local self-government offices and universities
- Pensioners and family pensioners
- Dependents of all these staff