New Sarkari Yojana List 2022 (नई सरकारी योजनाओं की सूची)

New Sarkari Yojana List 2022 (नई सरकारी योजनाओं की सूची)

प्रधानमंत्री मोदी एवं विभिन्न राज्य के मुख्यमंत्री द्वारा शुरू की गयी सभी योजनाएं, केंद्र व राज्य सरकार की योजनाएँ 2022, सरकारी योजना हिंदी और अंग्रेजी में योगी योजना वेबसाइट पर

Kerala Medisep Health Insurance Scheme for State Government Employees and Pensioners

The state government of Kerala has approved the launch of Medisep health insurance scheme for state govt. employees and pensioners. Medisep scheme will come into full effect, in principle from 1 January 2022, as per the final judgment of the High Court in this regard. MEDISEP means Medical Insurance for state employees and pensioners. Read this article till the end to know details of Medisep insurance scheme. 

The scheme is intended to provide comprehensive health insurance coverage to all serving employees of the State Government including the High Court of Kerala who are covered under the existing Kerala Government Servants Medical Attendant Rules [KGSMA Rules, 1960] and pensioners. This also includes newly recruited employees and their family, part time contingent employees, part time teachers, teaching, non-teaching staff of aided schools and colleges and their family and pensioners and their spouses and family pensioners on compulsory basis, and all Civil Service officers serving under the Government of Kerala on optional basis.

Kerala Medisep Health Insurance Scheme Features

Membership is mandatory for all employees (except All India Service officers) and pensioners who are members of Kerala Medisep health insurance scheme. Cashless treatment will be provided for those included in Medisep scheme, including existing ailments. The cabinet also approved the inclusion of former MLAs in the Medisep insurance scheme. Employees and pensioners of universities and local bodies receiving funding from the state government are also members. 

Who are Medisep Scheme Beneficiaries

Beneficiaries of the scheme will be personal staff members, personal staff pensioners, family pensioners directly appointed by the chief minister, ministers, speaker, leader of the opposition, chief whip, deputy speaker and finance committee chairmen. 
The Medisep Health Insurance scheme which is indefinitely protracted due to disputes and court cases is now being implemented. Oriental Insurance Company is in charge of running the scheme.

Compulsory members of Medisep Health Insurance Scheme in Kerala

  • State government employees
  • Part-time contingent employees
  • Part-time teachers
  • Teaching and non-teaching staff, including aided schools
  • Pensioners and family pensioners and their dependents

Medisep Beneficiaries on optional basis

All India Service Officers and their dependents serving under the State Government would be beneficiaries but on optional basis.

Hospitals for Medisep Insurance coverage

Only in empaneled public-private hospitals. Coverage for treatment in non-empanelled hospitals in emergencies such as life-threatening or accidental.

No insurance coverage for OP

OP category treatments are not planned. The current system of medical re-employment will continue for all government employees subject to the Kerala Government Servant Medical Attendant Rules for OP treatment in Government Hospitals and in Super Specialty Hospitals including Thiruvananthapuram RCC, Sree Chitra, Malabar Cancer Center and Kochi Cancer Center.

Medisep Health Insurance Scheme Premium Amount

Monthly insurance premium amount for employees and pensioners under Kerala Medisep Health Insurance Scheme is Rs.500.

Kerala Medisep Insurance Coverage

Medisep Health Insurance Scheme in Kerala provides coverage of Rs. 3 lakh for 3 years. Basic cover for each family at the rate of Rs. 3 lakhs per annum within the policy term of 3 years. If the fixed amount of Rs. 1.5 lakh/year is not utilized every year, it will be lost. If the floater amount of Rs1.5 lakh is not utilized then it will be transferred for subsequent years of the policy.

Official Medisep website link -

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