CGHS CARDS

New Office  Memoranda regarding CGHS Cards

---

SERVING EMPLOYEES CLICK HERE
PENSIONERS CLICK HERE

DEFINITION OF FAMILY

In accordance with the initial instructions, the term of Family for the
purposes of the Scheme shall consist of the Government servant's wife or
husband, as the case may be children and stepchildren and parents who are
mainly dependent on and residing with the Government servant concerned.
Subsequently in pursuance of the recommendations of the Sixth Central Pay
Commission, it has been decided that for availing the medical facilities
under the scheme, parents, sisters,. widowed sisters, widowed daughters,
minor brothers and children will be deemed dependent on the Government
employee if they are residing- with him and their income from all sources
including pension and pension equivalent of DCRG benefit is less than Rs.
3500 +DA per month.

 

ENTITLEMENT OF THE SCHEME:

All Central Govt. Servants paid from Civil Estimates (other than those
employed in Railway Services and those employed under Delhi Administration
except members of Delhi Police Force) having their head quarters in cities
where the Scheme is functioning and members of their families, are entitled
for the CGHS medical facilities.

 

TRANSFER

In case the. Central Govt. Employees is transferred to uncovered city
leaving behind his family, the Government Employee is not entitled for the
medical benefits either for himself or for his family under the Scheme but
will be governed under CS(MA) Rule. In the event of the posting of the
Central Govt.Employee to North Eastern Region Andaman and Nicobar Is-lands &
Lakshadweep and his family members continue to stay in an area covered by
the Scheme temporary family permit for availing CGHS benefits will be issued
to the family members by depositing advance usual contribution. But in such
cases the Central Govt. Employee himself will be governed under CS(MA) Rule.

 

TEMPORARV
VISIT IN COVERED CITY

Central Govt. employees and dependent family members who are beneficiaries
of the CGHS. and who may be visiting other cities where the scheme is
operating and stay  in the areas covered by the Scheme
are entitled for free medical attendance / treatment under the said scheme.
(Necessary authority/ temporary cards for medical treatment in any of those
cities, should be issued by the respective departments in case of serving
employees.) Medical facilities should be restricted to period not exceeding
six months after which fresh authorities may be issued, if necessary.
Similar facilities are also available to pensioners and the dependent family
members if holding. CGHS Cards and permission shall be granted by CGHS of
the city visiting.

 

PRODUCTION OF CGHS CARD

The production of CGHS Card is obligatory at every visit to enable correct
 identification of the patient and to prevent misuse of
card.The misuse of card is a cognizable offence. However, in view of
humanitarian service, essential and immediate treatment should not be denied
to the patient but the beneficiary should be advised to bring the CGHS Card
at the time of subsequent Visits and if considered necessary, a note may be
made in OPD ticket of the patient. The production of CGHS Index Card in the
dispensary will enroll the card holder as a member of the said dispensary.
The renewal of Pensioners' card shall be done in the dispensary. The
Indian Postal Order should be sent to Pensioner Cell, Nirma,n Bhavan/DDO
Office outside Delhi, regularly on Or before 6th day of the following month.
Before accepting the I.P.Os the Chief Medical Office!r Incharge must see the
date of issue of I.P.O/ DDS which should be within one month of issue from
the Post Office. The Chief Medical Officer incharge will obtain a
certificate from each pensioner for any rise of pay/pension due to
incremente rise after every two years for calculation of rate of
pension or the fact may he verified from his pension payment order before
revalidation of card.The Chief Medical Officer Incharge may therefore re-fix
the rate of contribution accordingly. In case of Pensioner the transfer of
card from one dispensary to another shall be) done by the Chief Medical
Incharge of the dispensary.

 

REGISTRATION OF CGHS CARD IN
DISPENSARY

Card Holder must deposit the Index Card in the dispensary and obtain receipt
from the receiving clerk. The receiving clerk, will initial the token card
in confirmation. Until he deposits the Index Card. he is not entitled for
treatment in the said dispensary. On transfer to another dispensary the Card
Holder must collect the index card from the dispensarv and deposit the same
along with necessary forms (in duplicate) to the new dispensary which has
been allotted to him. It is only after the deposition of Index Card in the
dispensary that the members mentioned in the token card are entitled to
obtain CGHS

facilities.

 

SURRENDER OF CGHS CARD

The CGHS Identity Card held by the beneficiary other than Pensioner, General
Public,

Ex- MPs etc. must be surrendered to the issuing authority in the following
events:-

(a) Retirement /Resignation

(b) Death of Government Servant.

(c) Transfer of Govt. Servant to another office. The Govt. servant if
transferred

to another office where he/ she is again entitled far CGHS benefits must
apply

and obtain a new Identity Card.

 

Pensioners, EX-M.Ps Member of General Public etc. are also required to
surrender their Identity Cards to the issuing authority on its expiry in
case they no longer desire to avail CGHS facilities.

 

MISUSE OF CGHS CARD

If the Medical Officer detects a case of misuse of CGHS Token Card by
unauthorized

person, he will bring to the notice of Chief Medical Officer Incharge and /
or the matter reported to the Zonal HQ/ ete. for further necessary action.

 

LOSS OF IDENTITY CARD

As a lost card is likely to be misused the card holder must inform
immediately to the

Police and inform the following with a, copy of F.I.R.

(i) Issuing authority.

(ii) M.O. Incharge of the concerned dispensary.

(iii) Headquarters of CGHS in the cities other than Delhi. A duplicate card
can be issued after realising penalty of Rs. 5!- for 1st instance. 2nd...
instance Rs. 7/-, 3rd and subsequent instance Rs. 10/- .

In case of individual Plastic Cards in Delhi – the
procedure is same but , the penalty is Rs.50/-

 

DEPENDENCE CERTIFICATE

Every Card Holder must certify that the parents /Dependents whose names have
been included in the token card, normally reside with him. Such a
certificate must be furnished at the time of issue of Token Card and renewed
every January. Otherwise the parents shall be treated as non entitled
persons. The certificate must also state that the income from all sources
does not exceed Rs. 3500 + DA p.m.

SOURCE - CGHS

read more...

CGHS CARDS

New Office  Memoranda regarding CGHS Cards

---

SERVING EMPLOYEES CLICK HERE
PENSIONERS CLICK HERE

DEFINITION OF FAMILY

In accordance with the initial instructions, the term of Family for the
purposes of the Scheme shall consist of the Government servant's wife or
husband, as the case may be children and stepchildren and parents who are
mainly dependent on and residing with the Government servant concerned.
Subsequently in pursuance of the recommendations of the Sixth Central Pay
Commission, it has been decided that for availing the medical facilities
under the scheme, parents, sisters,. widowed sisters, widowed daughters,
minor brothers and children will be deemed dependent on the Government
employee if they are residing- with him and their income from all sources
including pension and pension equivalent of DCRG benefit is less than Rs.
3500 +DA per month.

 

ENTITLEMENT OF THE SCHEME:

All Central Govt. Servants paid from Civil Estimates (other than those
employed in Railway Services and those employed under Delhi Administration
except members of Delhi Police Force) having their head quarters in cities
where the Scheme is functioning and members of their families, are entitled
for the CGHS medical facilities.

 

TRANSFER

In case the. Central Govt. Employees is transferred to uncovered city
leaving behind his family, the Government Employee is not entitled for the
medical benefits either for himself or for his family under the Scheme but
will be governed under CS(MA) Rule. In the event of the posting of the
Central Govt.Employee to North Eastern Region Andaman and Nicobar Is-lands &
Lakshadweep and his family members continue to stay in an area covered by
the Scheme temporary family permit for availing CGHS benefits will be issued
to the family members by depositing advance usual contribution. But in such
cases the Central Govt. Employee himself will be governed under CS(MA) Rule.

 

TEMPORARV
VISIT IN COVERED CITY

Central Govt. employees and dependent family members who are beneficiaries
of the CGHS. and who may be visiting other cities where the scheme is
operating and stay  in the areas covered by the Scheme
are entitled for free medical attendance / treatment under the said scheme.
(Necessary authority/ temporary cards for medical treatment in any of those
cities, should be issued by the respective departments in case of serving
employees.) Medical facilities should be restricted to period not exceeding
six months after which fresh authorities may be issued, if necessary.
Similar facilities are also available to pensioners and the dependent family
members if holding. CGHS Cards and permission shall be granted by CGHS of
the city visiting.

 

PRODUCTION OF CGHS CARD

The production of CGHS Card is obligatory at every visit to enable correct
 identification of the patient and to prevent misuse of
card.The misuse of card is a cognizable offence. However, in view of
humanitarian service, essential and immediate treatment should not be denied
to the patient but the beneficiary should be advised to bring the CGHS Card
at the time of subsequent Visits and if considered necessary, a note may be
made in OPD ticket of the patient. The production of CGHS Index Card in the
dispensary will enroll the card holder as a member of the said dispensary.
The renewal of Pensioners' card shall be done in the dispensary. The
Indian Postal Order should be sent to Pensioner Cell, Nirma,n Bhavan/DDO
Office outside Delhi, regularly on Or before 6th day of the following month.
Before accepting the I.P.Os the Chief Medical Office!r Incharge must see the
date of issue of I.P.O/ DDS which should be within one month of issue from
the Post Office. The Chief Medical Officer incharge will obtain a
certificate from each pensioner for any rise of pay/pension due to
incremente rise after every two years for calculation of rate of
pension or the fact may he verified from his pension payment order before
revalidation of card.The Chief Medical Officer Incharge may therefore re-fix
the rate of contribution accordingly. In case of Pensioner the transfer of
card from one dispensary to another shall be) done by the Chief Medical
Incharge of the dispensary.

 

REGISTRATION OF CGHS CARD IN
DISPENSARY

Card Holder must deposit the Index Card in the dispensary and obtain receipt
from the receiving clerk. The receiving clerk, will initial the token card
in confirmation. Until he deposits the Index Card. he is not entitled for
treatment in the said dispensary. On transfer to another dispensary the Card
Holder must collect the index card from the dispensarv and deposit the same
along with necessary forms (in duplicate) to the new dispensary which has
been allotted to him. It is only after the deposition of Index Card in the
dispensary that the members mentioned in the token card are entitled to
obtain CGHS

facilities.

 

SURRENDER OF CGHS CARD

The CGHS Identity Card held by the beneficiary other than Pensioner, General
Public,

Ex- MPs etc. must be surrendered to the issuing authority in the following
events:-

(a) Retirement /Resignation

(b) Death of Government Servant.

(c) Transfer of Govt. Servant to another office. The Govt. servant if
transferred

to another office where he/ she is again entitled far CGHS benefits must
apply

and obtain a new Identity Card.

 

Pensioners, EX-M.Ps Member of General Public etc. are also required to
surrender their Identity Cards to the issuing authority on its expiry in
case they no longer desire to avail CGHS facilities.

 

MISUSE OF CGHS CARD

If the Medical Officer detects a case of misuse of CGHS Token Card by
unauthorized

person, he will bring to the notice of Chief Medical Officer Incharge and /
or the matter reported to the Zonal HQ/ ete. for further necessary action.

 

LOSS OF IDENTITY CARD

As a lost card is likely to be misused the card holder must inform
immediately to the

Police and inform the following with a, copy of F.I.R.

(i) Issuing authority.

(ii) M.O. Incharge of the concerned dispensary.

(iii) Headquarters of CGHS in the cities other than Delhi. A duplicate card
can be issued after realising penalty of Rs. 5!- for 1st instance. 2nd...
instance Rs. 7/-, 3rd and subsequent instance Rs. 10/- .

In case of individual Plastic Cards in Delhi – the
procedure is same but , the penalty is Rs.50/-

 

DEPENDENCE CERTIFICATE

Every Card Holder must certify that the parents /Dependents whose names have
been included in the token card, normally reside with him. Such a
certificate must be furnished at the time of issue of Token Card and renewed
every January. Otherwise the parents shall be treated as non entitled
persons. The certificate must also state that the income from all sources
does not exceed Rs. 3500 + DA p.m.

SOURCE - CGHS

read more...

Govt proposes New Health Insurance Scheme in lieu of CGHS

With an effort to introduce Central Government Employees & Pensioners Health Insurance Scheme (CGEPHIS) recommended by Sixth Central Pay Commission, Ministry of Health & Family Welfare, invites Expressions of Interest from Insurers and Health Insurance consultants for the proposed scheme. As per the document known as Expression of Interest published the CGHS website in this regard, Government of India proposes to provide inpatient health care services tothe following personnel of the Central Government .

Beneficiaries

• All personnel of the Central Government including All India Service
  officers, serving, newly recruited, retired and retiring and others who are
  covered under the existing CGHS(Central Government Health Services)  and
  under CS (MA) [Central Services (Medical Attendance) Rules] Rules shall be
  offered Health Insurance Scheme  on voluntary or on compulsorily basis .
  This could be:
• CGEPHIS shall be compulsory to new Central Government Employees who
  would be joining service after the introduction of the health Insurance
  Scheme.
• CGEPHIS shall be compulsory to new Central Government retirees who would
  be retiring from the service after the introduction of the Insurance Scheme.
• CGEPHIS would be available on voluntary basis for the existing Central
  Government Employees and pensioners serving in CGHS area/ covered by CGHS.
  In this case such serving Central Government Employees and Central
  Government existing Pensioners shall have to opt out of CGHS scheme. They
  will also have the option of choosing both CGHS and Insurance policy. In
  such case the total premium has to be born by the beneficiary.
• CGEPHIS would also be available on voluntary basis for the existing
  serving employees and pensioners in non-CGHS areas not covered by CGHS. In
  this case such serving Central Government Employees and existing Pensioners
  (who have opted for CGHS facility) shall have to opt out of CGHS scheme.
  They will also have the option of choosing both CGHS and Insurance policy.
  In such case the total premium has to be born by the beneficiary.

The proposals relating to sum assured/policy limits, family size, age limit,
Insurance coverage are as follows

Sums Insured / Policy Limits
The scheme shall provide coverage for meeting all expenses relating to
hospitalization of beneficiary members up to Rs. 500,000/- per family per year
subject to stated limits on cashless basis through smart cards. The benefit
shall be available to each and every member of the family on floater basis i.e.
the total reimbursement of Rs. 5 .00 lac can be availed by one individual or all
members of the family. The document also
says the Government has proposed to restrict the benefit in respect of
Domiciliary hospitalization and Maternity to Rs.50,000/- for each admission

Family Size / Age Limit

• Serving Employees: Self, spouse, two dependent children and dependent
  parents (New born shall be considered
  insured from day one).
• Retired Employees: Self, spouse and one dependent child.
• Additional dependent family member can be covered under the scheme by
  paying the fixed percentage of premium per additional dependent family
  member. The premium shall be borne by the beneficiary.
• All beneficiaries shall be insured till survival.
• The definition of dependent shall be as per guidelines issued by Central
  Government.

Insurance Coverage
In addition to the coverage afforded under a standard medical insurance
policy, the following shall also be covered under CGEPHIS:

• Pre-existing diseases
• Maternity benefit
• Day-one Coverage for all diseases
• New-born babies
• Pre and Post hospitalization cover of 30 days and 60 days respectively
• Domiciliary Hospitalization

 CLICK HERE TO DOWNLOAD THE DOCUMENTATION FOR EXPRESSION OF INTEREST  CALLED FOR BY THE HEALTH MINISTRY


 SOURCE - GCONNECT

read more...

Govt proposes New Health Insurance Scheme in lieu of CGHS

With an effort to introduce Central Government Employees & Pensioners Health Insurance Scheme (CGEPHIS) recommended by Sixth Central Pay Commission, Ministry of Health & Family Welfare, invites Expressions of Interest from Insurers and Health Insurance consultants for the proposed scheme. As per the document known as Expression of Interest published the CGHS website in this regard, Government of India proposes to provide inpatient health care services tothe following personnel of the Central Government .

Beneficiaries

• All personnel of the Central Government including All India Service
  officers, serving, newly recruited, retired and retiring and others who are
  covered under the existing CGHS(Central Government Health Services)  and
  under CS (MA) [Central Services (Medical Attendance) Rules] Rules shall be
  offered Health Insurance Scheme  on voluntary or on compulsorily basis .
  This could be:
• CGEPHIS shall be compulsory to new Central Government Employees who
  would be joining service after the introduction of the health Insurance
  Scheme.
• CGEPHIS shall be compulsory to new Central Government retirees who would
  be retiring from the service after the introduction of the Insurance Scheme.
• CGEPHIS would be available on voluntary basis for the existing Central
  Government Employees and pensioners serving in CGHS area/ covered by CGHS.
  In this case such serving Central Government Employees and Central
  Government existing Pensioners shall have to opt out of CGHS scheme. They
  will also have the option of choosing both CGHS and Insurance policy. In
  such case the total premium has to be born by the beneficiary.
• CGEPHIS would also be available on voluntary basis for the existing
  serving employees and pensioners in non-CGHS areas not covered by CGHS. In
  this case such serving Central Government Employees and existing Pensioners
  (who have opted for CGHS facility) shall have to opt out of CGHS scheme.
  They will also have the option of choosing both CGHS and Insurance policy.
  In such case the total premium has to be born by the beneficiary.

The proposals relating to sum assured/policy limits, family size, age limit,
Insurance coverage are as follows

Sums Insured / Policy Limits
The scheme shall provide coverage for meeting all expenses relating to
hospitalization of beneficiary members up to Rs. 500,000/- per family per year
subject to stated limits on cashless basis through smart cards. The benefit
shall be available to each and every member of the family on floater basis i.e.
the total reimbursement of Rs. 5 .00 lac can be availed by one individual or all
members of the family. The document also
says the Government has proposed to restrict the benefit in respect of
Domiciliary hospitalization and Maternity to Rs.50,000/- for each admission

Family Size / Age Limit

• Serving Employees: Self, spouse, two dependent children and dependent
  parents (New born shall be considered
  insured from day one).
• Retired Employees: Self, spouse and one dependent child.
• Additional dependent family member can be covered under the scheme by
  paying the fixed percentage of premium per additional dependent family
  member. The premium shall be borne by the beneficiary.
• All beneficiaries shall be insured till survival.
• The definition of dependent shall be as per guidelines issued by Central
  Government.

Insurance Coverage
In addition to the coverage afforded under a standard medical insurance
policy, the following shall also be covered under CGEPHIS:

• Pre-existing diseases
• Maternity benefit
• Day-one Coverage for all diseases
• New-born babies
• Pre and Post hospitalization cover of 30 days and 60 days respectively
• Domiciliary Hospitalization

 CLICK HERE TO DOWNLOAD THE DOCUMENTATION FOR EXPRESSION OF INTEREST  CALLED FOR BY THE HEALTH MINISTRY


 SOURCE - GCONNECT

read more...

CGHS beneficiary can also claim Health Insurance now

Central governmentemployees, serving and retired, who have subscribed to the Central Government Health Scheme (CGHS) would now be able to claim reimbursement of their actual hospitalization expenses beyond the CGHS package rates, with the government easing conditions that enable them to use medical insurance policies to enhance their spending. This could spur demand for policies from  government employees. A recent circular from the Ministry of Health and Family Welfare states that CGHS beneficiaries will be allowed to claim  their hospitalization expenses not only from CGHS/ministry but also from insurance companies provided that the reimbursement being claimed does not exceed the total  expenditure incurred by the beneficiary. Earlier, CGHS beneficiaries could claim CGHS and insurance firms such that the combined amount does not exceed prescribed package rates. CGHS has empanelled select hospitals that follow the package rates provided by it.  However, the package rates are lower than the market rates. This move helps a beneficiary to claim his expenses from an insurer in case the claim is beyond the CGHS package rates.

CLICK HERE TO DOWNLOAD THE CIRCULAR ISSUED BU THE MINISTRY OF HEALTH AND FAMILY WELFARE


SOURCE - GCONNECT

read more...

CGHS beneficiary can also claim Health Insurance now

Central governmentemployees, serving and retired, who have subscribed to the Central Government Health Scheme (CGHS) would now be able to claim reimbursement of their actual hospitalization expenses beyond the CGHS package rates, with the government easing conditions that enable them to use medical insurance policies to enhance their spending. This could spur demand for policies from  government employees. A recent circular from the Ministry of Health and Family Welfare states that CGHS beneficiaries will be allowed to claim  their hospitalization expenses not only from CGHS/ministry but also from insurance companies provided that the reimbursement being claimed does not exceed the total  expenditure incurred by the beneficiary. Earlier, CGHS beneficiaries could claim CGHS and insurance firms such that the combined amount does not exceed prescribed package rates. CGHS has empanelled select hospitals that follow the package rates provided by it.  However, the package rates are lower than the market rates. This move helps a beneficiary to claim his expenses from an insurer in case the claim is beyond the CGHS package rates.

CLICK HERE TO DOWNLOAD THE CIRCULAR ISSUED BU THE MINISTRY OF HEALTH AND FAMILY WELFARE


SOURCE - GCONNECT

read more...

Do Govt Employees need Health Insurance ?

“Why should I go for a Health Insurance
if I am a Government Employee?  I am
already covered by either CGHS or Medical Attendance Rules.”  This may be your
thought process when you start reading this article.
But the reality is in case of an unfortunate event like you or your family
members had to be admitted in a good hospital
for a medical treatment, the present
health schemes such as CGHS or Medical Attendance Rules might not cover the
entire medical expenditure as these schemes have a cap in the form of package or
schedule rates.  And the net result is you will not be reimbursed with what you
had actually paid to Hospital.  Will health
Insurance schemes could come in handy at these kind of situations ?
Answer for this question may not be affirmative if you had asked this
question last year.  Because till last year Government norms for claiming
medical reimbursement and Health Insurance claim
simultaneously was bit stringent as the total of reimbursement from the
government and the health insurance claim shall not exceed the package rate
prescribed by the Government.  In other words there was no additional benefit in
taking a health insurance policy if you are a government employee.
However, this year this condition has been relaxed.  We can claim medical
reimbursement from Government as well the hospitalization expenses from the
Insurance Company, provided the total claim should not exceed the actual
expenditure.
Be an early bird:
Also most people tend to think that Health Insurance is something that they
need to think about only when they grow old.
However, the fact is Health insurance premium
tends to increase with age – more the age, higher the premium. So insure at a
young age.  So that your insurance gets fixed at a low cost and by the time you
grow old and the money become dearer, your insurance premium cost will be almost
negligible.
Stay insured:
The other truth is that health insurance protects you in case you become
seriously ill or meet with an accident. A sudden accident, loss of health or
natural disaster can happen to anyone. Such situations can drastically alter a
person’s life, causing loss of income and inability to pay bills.  So, it makes
sense to stay insured
Cost of Health Insurance:

A health insurance policy not only covers the cost of financial losses when
disaster strikes, but also helps you tide over emergency medical bills due to
hospitalization. If you think your health insurance premium is expensive, just
wait till you receive a medical bill.
Even if someone is down with jaundice or malaria and requires hospitalization
for a couple of days, his hospital bill could range from anywhere between Rs
15,000 and 25,000 depending on the hospital. And in these days of rising health
care costs, imagine a chronic diabetic who needs insulin injections everyday,
some one who needs frequent dialysis/chemotherapy or someone who needs
continuous medication to keep living.
While taking a survey of the Health Insurance premium cost, we just found
that at a cost ranging from Rs. 100 to Rs 200 per member per month, a family
consists of 4 members viz., husband in the age of 40, wife in the age of 36 and
two kids in the age of 12 and 7, could be covered with the health insurance
benefits of Rs.2 lakhs per year.  The following is the chart containing premium
cost per year for a sum assured amount of Rs.2 lakhs for the family consists of
4 members as narrated above.
Please note that this is not a campaign to the insurance companies mentioned
in the chart.  There may be other insurance companies which could offer good
rates than the premium cost mentioned in this chart. This is just an indication
to emphasize that insurance premium costs are affordable.  Readers are advised
to verify the health insurance schemes offered by various companies before
choosing the right one that suits them.


What are the other benefits of taking a Health Insurance policy?
The immediate benefit of taking up a Health Insurance policy is the Tax
benefit that you can enjoy under section 80 D of the Income Tax Act.
Do not worry if you do not have adequate money to pay for sudden
hospitalization or surgery. Your health
insurance policy offers a cashless hospitalization facility. This
facility is a great help since one doesn’t have to run around in the middle of
the night to collect cash for paying up large deposits prior to admission.
If a person gets hospitalized all his medical expenses 30 days prior to
hospitalization and 60 days post hospitalization will be covered. This includes
nursing expenses, diagnostic and medical expenses, surgery, anesthesia cost,
doctor’s expense, specialist fees, scanning, x-ray, ambulance expense, oxygen,
operation theatre expenses, and cost of surgical appliances, room expenditure,
day care expense and similar expenses.
There are few treatments which due to technological advancement are done as
an outpatient, that is, you need not
have prolonged hospitalization. These treatments are also covered under health
insurance.
Reduced Health Insurance Cost
over the period if no claim now:
If you are a non-claimant don’t think that your money is wasted. In fact, a
Health Insurance policy is most advantageous to you when you do not claim for
the first few years and stay insured continuously. You will not only enjoy the
Income tax benefits under Section 80D of the IT Act, but also your sum insured
gets increased without paying any extra premium by way of cumulative bonus. Or
you can keep the sum assured constant and start paying lesser premium.

SOURCE - GCONNECT

read more...

Do Govt Employees need Health Insurance ?

“Why should I go for a Health Insurance
if I am a Government Employee?  I am
already covered by either CGHS or Medical Attendance Rules.”  This may be your
thought process when you start reading this article.
But the reality is in case of an unfortunate event like you or your family
members had to be admitted in a good hospital
for a medical treatment, the present
health schemes such as CGHS or Medical Attendance Rules might not cover the
entire medical expenditure as these schemes have a cap in the form of package or
schedule rates.  And the net result is you will not be reimbursed with what you
had actually paid to Hospital.  Will health
Insurance schemes could come in handy at these kind of situations ?
Answer for this question may not be affirmative if you had asked this
question last year.  Because till last year Government norms for claiming
medical reimbursement and Health Insurance claim
simultaneously was bit stringent as the total of reimbursement from the
government and the health insurance claim shall not exceed the package rate
prescribed by the Government.  In other words there was no additional benefit in
taking a health insurance policy if you are a government employee.
However, this year this condition has been relaxed.  We can claim medical
reimbursement from Government as well the hospitalization expenses from the
Insurance Company, provided the total claim should not exceed the actual
expenditure.
Be an early bird:
Also most people tend to think that Health Insurance is something that they
need to think about only when they grow old.
However, the fact is Health insurance premium
tends to increase with age – more the age, higher the premium. So insure at a
young age.  So that your insurance gets fixed at a low cost and by the time you
grow old and the money become dearer, your insurance premium cost will be almost
negligible.
Stay insured:
The other truth is that health insurance protects you in case you become
seriously ill or meet with an accident. A sudden accident, loss of health or
natural disaster can happen to anyone. Such situations can drastically alter a
person’s life, causing loss of income and inability to pay bills.  So, it makes
sense to stay insured
Cost of Health Insurance:

A health insurance policy not only covers the cost of financial losses when
disaster strikes, but also helps you tide over emergency medical bills due to
hospitalization. If you think your health insurance premium is expensive, just
wait till you receive a medical bill.
Even if someone is down with jaundice or malaria and requires hospitalization
for a couple of days, his hospital bill could range from anywhere between Rs
15,000 and 25,000 depending on the hospital. And in these days of rising health
care costs, imagine a chronic diabetic who needs insulin injections everyday,
some one who needs frequent dialysis/chemotherapy or someone who needs
continuous medication to keep living.
While taking a survey of the Health Insurance premium cost, we just found
that at a cost ranging from Rs. 100 to Rs 200 per member per month, a family
consists of 4 members viz., husband in the age of 40, wife in the age of 36 and
two kids in the age of 12 and 7, could be covered with the health insurance
benefits of Rs.2 lakhs per year.  The following is the chart containing premium
cost per year for a sum assured amount of Rs.2 lakhs for the family consists of
4 members as narrated above.
Please note that this is not a campaign to the insurance companies mentioned
in the chart.  There may be other insurance companies which could offer good
rates than the premium cost mentioned in this chart. This is just an indication
to emphasize that insurance premium costs are affordable.  Readers are advised
to verify the health insurance schemes offered by various companies before
choosing the right one that suits them.


What are the other benefits of taking a Health Insurance policy?
The immediate benefit of taking up a Health Insurance policy is the Tax
benefit that you can enjoy under section 80 D of the Income Tax Act.
Do not worry if you do not have adequate money to pay for sudden
hospitalization or surgery. Your health
insurance policy offers a cashless hospitalization facility. This
facility is a great help since one doesn’t have to run around in the middle of
the night to collect cash for paying up large deposits prior to admission.
If a person gets hospitalized all his medical expenses 30 days prior to
hospitalization and 60 days post hospitalization will be covered. This includes
nursing expenses, diagnostic and medical expenses, surgery, anesthesia cost,
doctor’s expense, specialist fees, scanning, x-ray, ambulance expense, oxygen,
operation theatre expenses, and cost of surgical appliances, room expenditure,
day care expense and similar expenses.
There are few treatments which due to technological advancement are done as
an outpatient, that is, you need not
have prolonged hospitalization. These treatments are also covered under health
insurance.
Reduced Health Insurance Cost
over the period if no claim now:
If you are a non-claimant don’t think that your money is wasted. In fact, a
Health Insurance policy is most advantageous to you when you do not claim for
the first few years and stay insured continuously. You will not only enjoy the
Income tax benefits under Section 80D of the IT Act, but also your sum insured
gets increased without paying any extra premium by way of cumulative bonus. Or
you can keep the sum assured constant and start paying lesser premium.

SOURCE - GCONNECT

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DEFENCE CIVILIAN MEDICAL AID FUND----DETAILS

Important Circular

  

No.AN/VII/7089/DCMF
Office of the CGDA,
Ulan Batar Road, Palam,
Delhi Cantt – 110 010
Dated: .4.2010

  

To

    The PCDA
    The PCA (Fys), Kolkata
    IFA Wing (For circulating to IFAs)
    The CDA
    The CFA (Fys)

  

Sub:- Defence Civilian Medical Aid Fund (DCMAF)
Ref:- In continuation of this HQ office letter
of even No. dated 26.10.2009

  

         

1.   DefenceCivilian Medical Aid Fund (DCMAF) was established in 1953 as Defence Civilians Welfare (TB, Cancer and Leprosy ) Fund to provide financial assistance to its members in case they or dependents suffer from specified ailments. The membership of the fund is on voluntary basis and is open to all civilians employees, whether industrial or non-industrail. Though, it was established since long and has been providing relief to its members in Defence establishments in their hour of distress and the fund considerably  expended during these years among Defence Civilians, it is still not much popular in Defence Accounts Department. This came into question by some of the members while attending the 54th Annual Meeting.

2.     Therefore, the steps need to be taken to popularize
the fund among the DAD personnel. In this regard a copy of Salient Features /
Benefits provided by the fund is enclosed herewith for necessary action at your
end so that the membership percentage is enhanced in the ensuing years.

  

(Satish Kumar)

For CGDA

   DEFENCE CIVILIANS MEDICAL AID FUND MINISTRY OF
DEFENCE

      

SALIENT FEATURES

  

1. CONSTITUTION : The fund was established in 1953 as
Defence Civilians Welfare (TB, Cancer and Leprosy) Fund, Presently it is known
as Defence Civilians Medical Aid Fund (DCMAF). It is Society registered w.e.f.
31.01.1977 under Societies Registration Act 1860.

  

2. OBJECTS : The Fund provides financial assistance
to members in case they or their dependents suffer from specified ailments.

  

3. MEMBERSHIP : The membership of the Fund is open on
voluntary basis to all civilian employees whether industrial or non-industrial
paid from Civil Estimates or Defence Services Estimates. The present membership
of the Fund is about 2,06,512.

  

4. RATES OF SUBSCRIPTION :
The existing rates are as under- 

Grade Pay	Annual Membership	Full Service Membership
1S to PB-1	Rs. 60/-	Rs. 400/-
PB-2	Rs. 100/-	Rs. 600/-
PB-3	Rs. 200/-	Rs. 800/-
PB-4	Rs. 400/-	Rs. 1000/-

  

5. GOVERNING BODY :

The Fund is managed by a Managing Committee constituted as under:-

Defence Secretary : Chairman

Additional Secretary (A) : Sr. Vice-Chairman

Joint Secretary (Training) & CAO : Vice-Chairman

Deputy Chief Adminstrative Officer : Hony – Secretary

  

(Training, Coord & Welfare)CGDA, AG, Air Officer-in-Charge,
Personnel, Air HQ, SPD (Civ), Naval HQ, Director of Personnel, DRDO, DGOS, DGEME,
DG(Pers) E-in-C’s Branch, DGQA, DGOF, DGAFMS, DGMS (Army, Navy, Air), Addl.
DGAFMS (MR), Joint Secretary (E), MOD, Director-in-Charge of Welfare in CAO’s
Office, A Civilian Rep from AFHQ/ISOs, Indian National Defence Workers
Federation, Kanpur, All India Employees Defence Federation, Kirkee, Pune,
Bhartiya Pratiraksha Mazdoor Sangh, Kanpur and Labour Welfare Commissioner from
Ord Fys.

  

6. EXECUTIVE COMMITTEE : Executive Committee consists
of undermentioned officers:-

Joint Secretary (Training) & CAO – Chairman

Addl. DGAFMS (MR) – Member

Dy. CAO (TCW) – Hony. Secretary
  

7. FINANCIAL POSITION OF THE FUND AS ON 28TH FEB 2010
(APPROX)

In Fixed Deposits – Rs.8,20,00,000/-

In Saving Banks – Rs.8,58,192/-

  

8. EXISTING BENEFITS PROVIDED BY THE FUND

(A) NUTRITIOUS DIET ALLOWANCE

TB & Leprosy – Rs.1000/- per month

Cancer – Rs. 1500/- per month

Anaemia During Pregnancy & Lactating
Mother – Rs. 800/- per month

Burn Injuries – Rs. 150/- per month

  

(B) AFTER CARE ALLOWANCE
TB & Leprosy – Rs. 800/- per month

Cancer – Rs. 1500/- per month

  

(C) DIALYSIS ALLOWANCE

Dialysis Allowance – Rs. 1000/- per month

  

(D) SUBSISTENCE ALLOWANCE

For TB, Caner and Leprosy, Paralytic Stroke, Accidental Injury – Rs. 100/- per
day

  

(E) RE-IMBURSEMENT OF COST FOR MAJOR OPERATIONS

For Coronary By-Pass Surgery, Valve Replacement,

Renal Transplantation, Joint Replacement with Surgery,

Implantation of Pace-Makers, Implantation of Stents – upto Rs. 15000/- of
disallowed amount

  

(F) ADDITIONAL FINANCIAL ASSISTANCE

For Procuring Blood for Transfusions – Rs.600/- per month

For Cataract Operations with Implantation of Intra-Ocular Lens,

Purchase of Wheel Chairs, Tricycles for Physically Handicapped,

Prosthesis for Burn Injuries – Rs. 5000/-

For Purchase of Artificial Limbs – Rs.3000/-

For Purchase of Support Shoes (Calipers) – Rs. 2000/-

For Hearing Aid – Rs.1500/-

For Purchase of Crutches, Neck Band for Cervical Spondilitis = Rs. 1000/-

  

(G) EX-GRATIA GRANTS

(I) To the members

In case of loss of one limb/eyes – Rs.15000/-
In case of loss of one limb/eye – Rs.10000/-

(II) To the family of members
If member dies due to TB, Cancer and Leprosy, Heart ailments for which Member
availed assistance from the Fund earlier – Rs.20000/-
If member dies due to an Accident – Rs.50000/-

read more...

DEFENCE CIVILIAN MEDICAL AID FUND----DETAILS

Important Circular

  

No.AN/VII/7089/DCMF
Office of the CGDA,
Ulan Batar Road, Palam,
Delhi Cantt – 110 010
Dated: .4.2010

  

To

    The PCDA
    The PCA (Fys), Kolkata
    IFA Wing (For circulating to IFAs)
    The CDA
    The CFA (Fys)

  

Sub:- Defence Civilian Medical Aid Fund (DCMAF)
Ref:- In continuation of this HQ office letter
of even No. dated 26.10.2009

  

         

1.   DefenceCivilian Medical Aid Fund (DCMAF) was established in 1953 as Defence Civilians Welfare (TB, Cancer and Leprosy ) Fund to provide financial assistance to its members in case they or dependents suffer from specified ailments. The membership of the fund is on voluntary basis and is open to all civilians employees, whether industrial or non-industrail. Though, it was established since long and has been providing relief to its members in Defence establishments in their hour of distress and the fund considerably  expended during these years among Defence Civilians, it is still not much popular in Defence Accounts Department. This came into question by some of the members while attending the 54th Annual Meeting.

2.     Therefore, the steps need to be taken to popularize
the fund among the DAD personnel. In this regard a copy of Salient Features /
Benefits provided by the fund is enclosed herewith for necessary action at your
end so that the membership percentage is enhanced in the ensuing years.

  

(Satish Kumar)

For CGDA

   DEFENCE CIVILIANS MEDICAL AID FUND MINISTRY OF
DEFENCE

      

SALIENT FEATURES

  

1. CONSTITUTION : The fund was established in 1953 as
Defence Civilians Welfare (TB, Cancer and Leprosy) Fund, Presently it is known
as Defence Civilians Medical Aid Fund (DCMAF). It is Society registered w.e.f.
31.01.1977 under Societies Registration Act 1860.

  

2. OBJECTS : The Fund provides financial assistance
to members in case they or their dependents suffer from specified ailments.

  

3. MEMBERSHIP : The membership of the Fund is open on
voluntary basis to all civilian employees whether industrial or non-industrial
paid from Civil Estimates or Defence Services Estimates. The present membership
of the Fund is about 2,06,512.

  

4. RATES OF SUBSCRIPTION :
The existing rates are as under- 

Grade Pay	Annual Membership	Full Service Membership
1S to PB-1	Rs. 60/-	Rs. 400/-
PB-2	Rs. 100/-	Rs. 600/-
PB-3	Rs. 200/-	Rs. 800/-
PB-4	Rs. 400/-	Rs. 1000/-

  

5. GOVERNING BODY :

The Fund is managed by a Managing Committee constituted as under:-

Defence Secretary : Chairman

Additional Secretary (A) : Sr. Vice-Chairman

Joint Secretary (Training) & CAO : Vice-Chairman

Deputy Chief Adminstrative Officer : Hony – Secretary

  

(Training, Coord & Welfare)CGDA, AG, Air Officer-in-Charge,
Personnel, Air HQ, SPD (Civ), Naval HQ, Director of Personnel, DRDO, DGOS, DGEME,
DG(Pers) E-in-C’s Branch, DGQA, DGOF, DGAFMS, DGMS (Army, Navy, Air), Addl.
DGAFMS (MR), Joint Secretary (E), MOD, Director-in-Charge of Welfare in CAO’s
Office, A Civilian Rep from AFHQ/ISOs, Indian National Defence Workers
Federation, Kanpur, All India Employees Defence Federation, Kirkee, Pune,
Bhartiya Pratiraksha Mazdoor Sangh, Kanpur and Labour Welfare Commissioner from
Ord Fys.

  

6. EXECUTIVE COMMITTEE : Executive Committee consists
of undermentioned officers:-

Joint Secretary (Training) & CAO – Chairman

Addl. DGAFMS (MR) – Member

Dy. CAO (TCW) – Hony. Secretary
  

7. FINANCIAL POSITION OF THE FUND AS ON 28TH FEB 2010
(APPROX)

In Fixed Deposits – Rs.8,20,00,000/-

In Saving Banks – Rs.8,58,192/-

  

8. EXISTING BENEFITS PROVIDED BY THE FUND

(A) NUTRITIOUS DIET ALLOWANCE

TB & Leprosy – Rs.1000/- per month

Cancer – Rs. 1500/- per month

Anaemia During Pregnancy & Lactating
Mother – Rs. 800/- per month

Burn Injuries – Rs. 150/- per month

  

(B) AFTER CARE ALLOWANCE
TB & Leprosy – Rs. 800/- per month

Cancer – Rs. 1500/- per month

  

(C) DIALYSIS ALLOWANCE

Dialysis Allowance – Rs. 1000/- per month

  

(D) SUBSISTENCE ALLOWANCE

For TB, Caner and Leprosy, Paralytic Stroke, Accidental Injury – Rs. 100/- per
day

  

(E) RE-IMBURSEMENT OF COST FOR MAJOR OPERATIONS

For Coronary By-Pass Surgery, Valve Replacement,

Renal Transplantation, Joint Replacement with Surgery,

Implantation of Pace-Makers, Implantation of Stents – upto Rs. 15000/- of
disallowed amount

  

(F) ADDITIONAL FINANCIAL ASSISTANCE

For Procuring Blood for Transfusions – Rs.600/- per month

For Cataract Operations with Implantation of Intra-Ocular Lens,

Purchase of Wheel Chairs, Tricycles for Physically Handicapped,

Prosthesis for Burn Injuries – Rs. 5000/-

For Purchase of Artificial Limbs – Rs.3000/-

For Purchase of Support Shoes (Calipers) – Rs. 2000/-

For Hearing Aid – Rs.1500/-

For Purchase of Crutches, Neck Band for Cervical Spondilitis = Rs. 1000/-

  

(G) EX-GRATIA GRANTS

(I) To the members

In case of loss of one limb/eyes – Rs.15000/-
In case of loss of one limb/eye – Rs.10000/-

(II) To the family of members
If member dies due to TB, Cancer and Leprosy, Heart ailments for which Member
availed assistance from the Fund earlier – Rs.20000/-
If member dies due to an Accident – Rs.50000/-

read more...