Thiruvananthapuram: The Medical Insurance Scheme for State Employees and Pensioners (MEDISEP) will come into force from August 1. Additional Chief Secretary of finance department Manoj Joshi has issued an order in this regard. The Reliance General Insurance company has undertaken the scheme. Annual premium is Rs 2,992.48.
Insurance coverage is provided in three categories. Under basic cover, each family will get basic insurance cover of Rs 2 lakh for a period of three years. Under extra cover, a maximum amount of Rs. 6 lakhs will be given to a family for treatment of life threatening diseases. This will be given as an extra amount along with the basic cover.
Additional assistance will be provided if a family is struggling to find money for medical expenditure.
A sum of Rs 3 lakh will be granted under the scheme additionally during the insurance coverage periond. The insurance company will reserve Rs 25 crore for this purpose.
Under the scheme, Rs 250 will be deducted from the salary of the employees. At the same time, the premium amount of pensioners will be deducted from their medical allowance. There is no age limit for the physically or mentally challenged children.
Beneficiaries of MEDISEP include State government employees including staff in High Court who comes under the ambit of Kerala Govt. Servant Medical Attendance rules, part-time contingent employees, pensioners, family pensioners, teacher, non-teaching staff, part-time teachers in Aided schools, staff, personal staff in local self-government offices and universities, personal staff of chief minister, ministers, opposition leader, chief whip, speaker, deputy speaker and finance committee chairman and the employee's spouse who is not included in the scheme, dependant parents and unmarried and unemployed children aged less than 25 years.
The medical reimbursement scheme which is in force will continue for treatment through Out Patient department. However the scheme is limited to government hospitals, Sree Chitra, RCC, Malabar and Kochi cancer centres.