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 2022 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 July 2022. MEDISEP means Medical Insurance for state employees and pensioners. Read this article till the end to know details of Medisep insurance scheme. 

Launch of MEDISEP Scheme in Kerala

Kerala Government will roll out MEDISEP scheme as the medical insurance scheme for state government employees, pensioners and their eligible family members from 1st July 2022. The Medisep health insurance scheme will provide cashless medical assistance with a comprehensive coverage up to 3 lakhs per year. 

What is Medisep Health Insurance Scheme 2022 

Medisep health insurance 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.

Premium of Kerala Medisep Scheme 

The annual premium under Medisep scheme would be Rs. 4,800 plus 18% GST for the policy period of 2022-24. Monthly premium of Rs. 500 will be deducted from the salary of June and pension of July onwards. An order has been issued by the state finance department in this regard. MEDISEP health insurance scheme is being implemented through the public sector insurer, Oriental Insurance Company. About 30 lakh people will be benefitted by the scheme.

Features of Kerala Medisep Health Insurance Scheme 2022

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.

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 Rs. 1.5 lakh is not utilized then it will be transferred for subsequent years of the policy.

Official Medisep website link -

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