Group Medical Scheme - 04.09.2011

04.09.2011
Why some have not joined ?
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Cashless service at Chennai ?
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30.09.2011
Friday, September 23, 2011 12:16 PM

From:

"Seetha And Kishore" rbkseetha@yahoo.com

1) MEDI-CLAIM SAGA, STRATEGY, FUP, RTI, COURT CASE ETC

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           Friends,what a rejoicing that after Herculean efforts ,requesting LIC to mitigate the mediclaim premium unprecedented hike year after year,when near 2 months pension is wiped off & as Domiciliary is not covered, another erosion in our paltry pension,LIC rose to the occasion & Board cleared the proposal to allow Subsidy at same rate as for employee.                                                                                              

Therefore, from 1/4/2010-31/3 /2011 mediclaim year, three-fourth of premium for the Basic Sum Assured  only has been allowed for pensioner/spouse  & not to dependants. The redoubtable & vigorous,sustained efforts of Sri C.S.Murty thro RTI channel, the micro & macro ,threadbare analysis of all mediclaim data,the  Court case filed by  Sri GTParekh in Gujarat HC,& the continued,consistent talk with MD & EDP for considering Pensioners on same footing as Employees atlast paved the way for this magnanimous decision. This is yet another milestone in the string of successes of AIRIEF.                                                    

          i)The compulsory shift from Basic SA to Revised BSA is Rs60,000 to 85,000; Rs 80,000 to 1,10,000 & Rs1,20,000 to 1,65,000. Co Circulars are dt 5/5/10 & 18/5/10.

ii)There is no increase in premium in respect of beneficiaries under the policy who are above 55 years. In other words, if the spouse of the retired officer is 56 years or above in age, no difference in premium needs to be paid.However, those who had not opted for higher sum insured earlier had an opportunity to exercise the option  before  31st May, 2010 and pay the difference in premium for the balance sum insured.

iii)The premium for age group 56-65, 66-70,71-75, 76-90 remains ditto unaltered as in the previous year 2009-2010

 iv)There is rise in premium in the range of app 10-25% for younger age groups 00-35,36-45, 46-55 for all Sum assured

     Chart readymade prepared by us,Sri CHMahadevan & R.B.Kishore for mediclaim is hereunder :

MEDICLAIM PREMIUM PAYABLE NET OF SUBSIDY BY PENSIONERS FOR 2010-11
Sum Insured	0-35	36-45	46-55	56-65	66-70	71-75	76-90
85000	366	402	686	793	943	1015	1306
100000	623	685	1170	1352	1608	1731	2228
110000	473	520	888	1026	1220	1314	1690
165000	709	779	1331	1538	1830	1970	2535
200000	1824	1997	3761	4334	5202	5603	7207
300000	2396	2625	5173	6040	7269	7829	10069

 

 (SUBSIDY IS APPLICABLE ONLY TO RETIRED LIC EMPLOYEES AND SPOUSES OF EMPLOYEES WHO DIED IN HARNESS OR DIED AFTER RETIREMENT)

   SAME UNCHANGED FOR 2011-2012

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