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news details
Govt rolls out Group Mediclaim Health Insurance Scheme for employees, pensioners, journalists
9/20/2018 10:53:58 PM
Early Times Report

SRINAGAR, Sept 20: The Governor's Administration today formally rolled out the Group Mediclaim Health Insurance Scheme for employees, pensioners and accredited journalists in the State.
Giving details of the scheme, Principal Secretary Finance Navin K Choudhary said that the scheme is mandatory for government employees including employees of PSUs, Autonomous Bodies and Universities while it will be optional for Pensioners, AIS Officers, Adhoc, Contractual, DRWs, Work Charged/ Contingent Paid Workers and Accredited Journalists.
The scheme, he said, shall come into effect from 1st October 2018, for a period of one year and extendable annually for three years based on satisfactory performance of the Insurer.
Navin said the policy has been tied up with M/S Reliance General Insurance Company Ltd on annual premium of Rs 8777 and Rs 22,229 for employees and pensioners respectively. The Policy will provide health insurance coverage up to Rs 6 Iakh per employee/pensioner per annum along with his/her five dependent family members on floater basis.
He said the Shri Mata Vaishno Devi Shrine Board, Shri Mata Vaishno Devi University, Shri Amarnathji Shrine Board and the Accredited Journalists of the State shall be also covered under the scheme. They may do so provided the premium is collected in four quarterly installments in advance and paid to the Insurance Agency on due dates by the Agency concerned themselves.
He said the Medical Allowance in favor of all enrolled employees shall be discontinued, drawn and credited to the MH 8235 during the currency of the policy on monthly basis.
Navin said the annual premium for the insurance cover of Rs 6 lakh would be Rs 8777 and the same shall be deducted in four quarterly installments of Rs 1295 on 1st October, 15th January, 15th April and the last installment of Rs 1292on 1st July each year.
He said the M/S Reliance General Insurance Company will create a corporate buffer of Rs 10 crores as part of Policy to meet the expenditure incurred on the identified illness over and above the insurance cover of Rs 6 lakh.
He said in case of both husband and wife or their any other family member is/are Government Employee(s) or pensioner(s), the Premium shall be payable by any one of them. The DDO shall obtain an authenticated certificate in case the premium has been paid by any other family member(s) of the employee and check/verify it from the concerned Treasury Officer.
"If the parents or one of the parents of an employee, who are/is pensioners/pensioner, fall within the employee plus dependent's cap of 1+5, they are not required to pay the premium separately and take out a separate policy.
However, if the employee and his dependents, which include his family plus his pensioner parents, exceed the above cap, one of the pensioner parents can take out a separate policy for himself or herself and his or her dependents," he said.
For pensioner, he said, annual premium for pensioner will be Rs 186291 which will be deducted in four quarterly installments of Rs 4657 on 1st October, 1st January, 1st April and the last installment of Rs 4658 on 1st July each year.
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