What are the key changes in Kerala's Medisep Phase II?

Phase II of Medisep offers increased basic insurance to ₹5 lakh, lower premiums, and allows knee/hip replacements in private hospitals.

When does Medisep Phase II start and what is the new premium?

Medisep Phase II begins on February 1 with a monthly premium of ₹687 (excluding GST).

Home / Health / Kerala State Employees Get ₹5 Lakh Cover, Lower Premiums

Kerala State Employees Get ₹5 Lakh Cover, Lower Premiums

Q: Can I get knee or hip replacement surgery in private hospitals under Medisep?

Yes, beneficiaries can now opt for knee and hip replacement surgeries in private hospitals under the revised Medisep scheme.

21 Jan

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Summary

Phase II of Medisep starts Feb 1 with lower premiums.
Basic insurance coverage increases from ₹3 lakh to ₹5 lakh.
Knee, hip replacement surgeries can now be done in private hospitals.

Kerala State Employees Get ₹5 Lakh Cover, Lower Premiums

Phase II of the Medical Insurance Scheme for State Employees and Pensioners (Medisep) will commence on February 1, as announced by Finance Minister K.N. Balagopal. This revised phase introduces a reduced monthly premium of ₹687 (excluding GST), a significant improvement from the previously proposed ₹810. The annual premium for beneficiaries and their dependents will now be ₹8,244.

The enhanced scheme boosts basic insurance coverage from ₹3 lakh to ₹5 lakh. All current beneficiaries, including government employees, pensioners, and staff from local institutions, will be included. A crucial update allows beneficiaries to undergo knee and hip replacement surgeries in private hospitals, removing the previous restriction to government facilities.

Further improvements include reimbursement for treatments at Sree Chitra Tirunal Institute and JIPMER, even if not empanelled. Newly included treatment packages with enhanced rates are expected to attract more empanelled hospitals. Cashless inpatient treatment will be available across all empanelled facilities, with 2,516 medical and surgical packages now offered. Room rent is capped at ₹5,000 daily for general wards and ₹2,000 for government pay wards.