Government employees who newly join the service must remit the premiums from the launch date of the medical insurance for State government employees and pensioners (MEDISEP) to enjoy full coverage under the scheme, according to the Finance department.
A January 16 department order noted that, in the case of new employees, the ‘arrears on premium’ from July 1, 2022, will be deducted in equal installments from their first salary onwards. This is because they can be eligible for full benefits under MEDISEP, including the ‘catastrophic package’ for organ transplants, only on remitting ₹18,000, the premiums for three full years, the order said.
Under the agreement signed by the Government and Oriental Insurance Company, MEDISEP was designed as a three-year scheme lasting from July 1, 2022 to June 30, 2025. This period has been divided into three policy years. For instance, July 1, 2022 to June 30, 2023 is the first policy year. The government remits the annual premiums (of employees including new appointments and pensioners) in advance to the insurance company on a quarterly basis. The monthly premium is ₹500.
