MEDiSEP: Kerala's Health Insurance Scheme for Employees and Pensioners
The Medical Insurance Scheme for State Employees and Pensioners (MEDiSEP), launched by the Government of Kerala, provides comprehensive health insurance to state employees, pensioners, and their families. It covers up to ₹3 lakh per year and is designed to offer cashless treatment across over 200 empanelled hospitals, including government and private facilities.
Key Features of MEDiSEP
Feature | Details |
Annual Coverage | ₹3 lakh per family |
Premium | ₹500 monthly (deducted from salary/pension) |
Beneficiaries | State employees, pensioners, and dependents |
Coverage | Pre-existing diseases, accidents, maternity, etc. |
Network Hospitals | 200+ hospitals, including taluk-level and higher |
How Does MEDiSEP Work?
Cashless Treatment: Beneficiaries can avail themselves of cashless treatment for over 1,920 medical procedures.
Pre-Existing Conditions: Coverage includes pre-existing diseases, maternity care, and emergency treatments.
Private and Government Hospitals: The scheme covers treatment in empanelled hospitals within Kerala and select hospitals outside the state for emergencies.
Benefits of MEDiSEP
Financial Relief: MEDiSEP offers financial protection against rising healthcare costs, especially for government employees and pensioners.
Wide Coverage: It covers most major surgeries and treatments, offering peace of mind for beneficiaries.
Conclusion
MEDiSEP is a game-changing health insurance scheme for Kerala’s government employees and pensioners, ensuring comprehensive medical care. With cashless benefits and broad coverage, MEDiSEP significantly reduces out-of-pocket medical expenses, offering a secure healthcare option for lakhs of beneficiaries.
FAQs
1. Who is eligible for the MEDiSEP scheme?The scheme is available for all Kerala state government employees, pensioners, and their dependents.
2. What is the annual coverage limit under MEDiSEP?The scheme provides an annual coverage of ₹3 lakh per family.
3. Are pre-existing diseases covered?Yes, pre-existing diseases are covered under MEDiSEP.
4. How can I avail of cashless treatment?Beneficiaries can receive cashless treatment at over 200 empanelled hospitals across Kerala by presenting their MEDiSEP card.
5. How much is the monthly premium?A monthly premium of ₹500 is deducted from the employee’s salary or pension for MEDiSEP coverage.
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