Kerala Govt Is Providing Health Cover Upto ₹6 Lakh; Here’s Everything You Need To Know

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The state government of Kerala has announced the health plan for the current government employees and pensioners for the financial year 2018-19.

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The Minister of Finance of Kerala, Thomas Isaac made an announcement that they are providing a health cover of up to Rs 6 lakh for government employees and pensioners.

The progress on some health initiative by the state has already been initiated such as new oncology departments in all medical colleges, trauma centres and an ambulance service based on the Uber cab-service model, earlier this year.

Not just that, but an allocation of ₹17 crore was also planned for programmes around mental health care. According to some official reports, an amount of ₹25 crore has been separated for the plan.

Here’s everything pensioners and employees need to know about this new healthcare scheme:
-According to the plan, benefits of this new healthcare scheme will not just be restricted to the recipient but the benefits can also be enjoyed by the family members.

-If this proposal gets a yes from the state government then the government employees will get ₹12 lakh for treatment and acute ailments such as organ transplants will then also be eligible for double cover.

-An investment of additional ₹3 lakh by the government will be provided if somehow in some cases the expense exceeds the limit of a recipient’s insurance cover.

-With this scheme, the government is expected to save ₹270 crore that is spent every year from the ₹350 crore collected as the insurance premium from citizens.

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-According to the appeal from worker’s associations, this healthcare schemes recipients will include government employees, teachers and pensioners, along with those working in universities and local self-government bodies.

According to the estimation, nearly 11 lakh citizens is said to be benefitted by this new health cover drawn by the state government.

-This plan’s premium amount has been identified as ₹300 per month, on the other hand when it comes to pensioners, the amount will be directly given to them in terms of the insurance premium.

One of the most significant advantages of the health cover is that the children of the employees can avail the scheme till they become 25 or get hitched.

-The age limit criteria for the differently abled will be set by the government itself and also the scheme can only be availed for treatment in government and private hospitals, where the minimum bed limit has to be 50, with at least three doctors in the staff of the hospital. The treatment should be availed at government and private hospitals chosen by the insurance company.

The finance department has called a meeting of employees’ associations on March 22 to discuss the insurance plan.

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