Thiruvananthapuram: A medical insurance scheme that facilitates cashless therapy for Kerala’s civil servants and retirees will lastly turn into a actuality from the New Yr. A cupboard assembly subsequent week will approve the MEDISEP scheme and is anticipated to start out from January 2022.
MEDISEP is medical insurance for presidency staff and retirees.
An annual insurance coverage premium of Rs 6,000 might be deducted from staff’ salaries in month-to-month installments of Rs 500 every.
A month-to-month medical profit for retirees within the quantity of Rs 500 might be despatched to MEDISEP.
The state authorities as soon as carried out this scheme prior to now, however it didn’t work. Now it’s being carried out after the announcement of a brand new tender, which was received by the Japanese Normal Insurance coverage Firm.
All staff and retirees should be a part of the insurance coverage scheme. Those that didn’t enroll and people who didn’t checklist the names of their dependents should make the mandatory modifications and additions.
Purposes have to be filed with the Chief Information Officer (CDO) by December fifteenth. Pensioners should submit their purposes to the Treasury.
The scheme will present complete medical insurance protection of as much as 3 lakhs yearly. For extreme sicknesses, the next quantity is allowed. Cashless funds might be accessible in hospitals underneath the scheme.
As much as 1.5 lakhs of the unclaimed quantity in the course of the first yr may be carried over to the following yr. Insurance coverage protection is offered for hospitalization for greater than 24 hours.
The permitted checklist contains 1,920 ailments. Underneath the scheme, bills may also be declared 15 days earlier than and after hospitalization.
Who will cowl every part?
Along with staff and retirees, their dependents, spouses / companions, kids underneath the age of 25, and kids of any age who face a bodily or psychological incapacity are eligible.
Do not duplicate dependents
An individual can’t be depending on a couple of particular person. Those that didn’t present the names of dependents should apply by December fifteenth and embrace their names. It should now not be potential to incorporate dependents.
Main therapy prices
* Liver transplant: Rs 18 lakh
* Bone marrow transplant: Rs 9.46
* Cochlear implantation: Rs 6.39
* Kidney transplant: 3 lakhs
* Knee alternative: 3 lakhs
* Hip alternative: 4 lakhs
* Mind surgical procedure: Rs 18.24
* Coronary heart, lung transplant: 15 lakhs
The place to test and replace
The inclusion of the identify (s) within the insurance coverage scheme may be discovered by logging into the web site www.medisep.kerala.gov.in and you’ll present particulars within the standing area.
Those that have to make any modifications ought to full the applying type hooked up to No. 110/2021 / Funding Order and submit it to the DDO / Nodal Officer and test if the knowledge offered has been up to date. Retirees should apply for modifications to the Treasury.
Those that work in beneficiary establishments with out prior approval might be included in MEDISEP solely after receiving such approval.
If unsure, name the toll-free quantity 1800-425-1857.