Thiruvananthapuram: The medical insurance scheme for Kerala government employees and pensioners will become a reality from June 1.
The scheme titled Medical Insurance Scheme for State Employees and Pensioners (MEDISEP) is expected to benefit about 11 lakh people and their dependents.
A family will get an additional cover of a maximum of Rs 6 lakh for serious ailments, including two organ transplants, once in three years. This is above the basic insurance cover of Rs 2 lakh a year.
The cabinet decided to award the insurance project to Reliance General Insurance that quoted the lowest yearly premium of Rs 2992.48, including GST. Five companies had participated in the tender procedures.
Among them, Bajaj Alliance quoted a premium of Rs 9,438.82, New India Assurance Rs 17,700, Oriental Insurance Rs 6,772 and National Insurance Rs 7,298.30.
Those who will benefit from the scheme include state government employees including the staff of the high court, part-time contingent employees, teaching and non-teaching staff including the aided sector, part-time teachers, employees of local self-government institutions and universities, and pensioners in all these categories.
Three types of cover
1. A basic insurance cover of Rs 2 lakh will be available for all families.
2. Additional cover of up to Rs 6 lakh for serious ailments, including organ transplantation, during the three-year period. This is above the basic insurance cover of Rs 2 lakh a year.
3. If Rs 6 lakh is insufficient for the treatment of serious ailments, a maximum of Rs 3 lakh will also be provided to a family during the policy period. A corpus of Rs 25 crore will be constituted by the insurance company for this purpose.
Policy term
The tenure of the insurance scheme is three years. Rs 250 will be collected from the government employees as premium a month. In case of pensioners, the premium will be deducted from the Rs 300 medical allowance currently being provided. The medical reimbursement scheme for outpatient treatment will continue as in the past.
