The state government of Kerala has launched a health insurance scheme for its employees. Named as MEDISEP (Medical Insurance Scheme for State Employees), the health insurance plan will offer a coverage of Rs 3 lakh for a monthly deduction of Rs 500 from the monthly salary, which adds up to Rs 6,000 annually.
The scheme will cover more than 1,920 medical procedures, and will have over 200 private and government hospitals of the rank of taluk hospital and above, in its network.
MEDISEP will offer a cashless facility at the empanelled hospitals, and will cover all pre-existing disease.
However, in case of accidents, and medical emergencies, employees can go to other hospitals which are not part of the network, and the cost will be reimbursed on the basis of approved rates or package of the scheme.
The medical insurance plans will also cover new-borns and twins of an insured mother from day one to the end of the current policy plan period.
Though Rs 6000 will be deducted from the beneficiaries, the government will pay only Rs 4800 (Plus GST) per beneficiary to the Oriental Insurance Company, which has been awarded the tender to implement the MEDISEP.