Medisep Kerala latest news, What is the insurance system in India as a whole? Do employees and pensioners get benefits from a different scheme launched? In India, IFFCO Tokio General Insurance has a 96.33% claim settlement ratio. India, Health Insurance market is an untapped market. Less than 15% of India’s population is covered under health insurance.
After receiving approval from the Kerala cabinet on Wednesday, ‘Medisep,’ a medical insurance scheme for government employees and pensioners, will begin operations on January 1.
Within the policy term of three years, each family will be covered for Rs 3 lakhs per annum under the scheme. Employees and pensioners will also have to pay a monthly insurance premium of Rs 500.
All government employees (except central government employees) and retirees are required to join the scheme. The medical insurance would be cashless and would cover treatment for all diseases covered by the plan.
State employees, part-time predicated staff, part-time educators, teaching and non-teaching employees, including those in assisted schools, people on benefits, family pensioners, and their dependent family members will all be required to participate in the program.
Additionally, the scheme can benefit All India Service Officers and their dependents who work for the state government. Former MLAs were also approved for inclusion in the scheme by the cabinet.
Personal staff, others directly appointed by the Chief Minister, Ministers, Leader of the Opposition, Chief Whip, Speaker, Deputy Speaker, and Chairmen of Finance Committees will also be included in the scheme.
The scheme is currently only available at impaneled public and private hospitals. The scheme could, however, be used to cover treatment in non-impaneled hospitals in the event of a life-threatening situation.
In the meantime, the plan does not cover treatment in outpatient clinics or hospitals. Instead, employees can continue to receive treatment through the existing medical reimbursement system.