Govt calls for willingness to Join Health Insurance Scheme
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Recommendations of Sixth Pay Commission, provided for implementing an alternative health insurance scheme in the place of existing CGHS. Of course, the existing CGHS requires to be revamped for the very reason that it caters to minority of Government employees.
While Central Government employees community are posted knook and corner of the country, the existing CGHS is limited only to 26 cities. As we all know, the rest of places are covered by Central services (Medical Attendance) Rules, which seldom serve the real purpose.
In this scenario, the present contemplation of the Government in bringing a new Health Insurance Scheme in the place of existing CGHS, and medical treatment under Central services (Medical Attendance) Rules, is positive and welcome one.
We provide here the official documents released by the Government (which is available in Ministry of health and family welfare) for assessing the willingness of the CG employees to join in the proposed health insurance Scheme. This documentation is named as Demand Survey.
We request all the Gconnect readers to go through the document and apply in the given format in case they are willing to join as beneficiary in the proposed health insurance scheme.
Some of our friends pointed out the documentation is slightly vague in the sense that whether the proposed scheme is applicable for non-CGHS centers as the filled up applications were required to be furnished at the CGHS centers available in 26 cities mentioned in the said documentation.
However, we feel that as per the wordings of the demand survey document as well as earlier proposals of the government the scheme has been proposed for non-CGHS centers also and the employees belonging to non-CGHS centers can send the willingness to the Deputy Director, Ministry of Health and Family Welfare directly (address mentioned in the document survey)
Government of India
Ministry of Health & Family welfare
Department of Health & Family welfare
Nirman Bhavan, New Delhi
DEMAND SURVERY
CENTRAL GOVERNMENT EMPLOYEES AND PENSIONERS HEALTH INSURANCE SCHEME (CGEPHIS)
OBJECT OF DEMAND SURVEY – Government of India is contemplating introduction of a Health Insurance Scheme for Central Government Employees and Pensioners and their dependent family members all over India. Ministry of Health & Family Welfare intends to assess the demand for the above Scheme from the prospective beneficiaries through this survey for taking further steps in this direction.
WHO CAN JOIN THE SCHEME – All the personnel of the Central Government including All India Service officers, serving and retired, and others who are covered under the existing CGHS (Central Government Health Scheme) and under CS(MA)Rules [Central services (Medical Attendance) Rules] Can join the Scheme. The Scheme is proposed to be implemented on voluntary basis for existing employees and pensioners and compulsorily for future employees and pensioners.
INSURANCE COVERAGE – The scheme shall provide coverage for meeting expenses of hospitalization and surgical procedures for beneficiary members up to Rs.5.00 lakh per family per year subject to limits, in any of the network hospitals. The benefit to the family will be on floater basis i.e. the total reimbursement of Rs.5.00 lakh can be availed of individually or collectively by members of the family.
Coverage of Pre-existing diseases: All diseases under the proposed scheme shall be covered from day one.
INSURANCE PREMIUM – The beneficiary will have to pay an annual premium which will be determined after the formal introduction of the Scheme. It will vary according to the grade pay of the officer. The estimated annual premium for a standard family size will be in the range of Rs.8,000 to Rs.12,000 p.a. It is however proposed to be subsidized by the Government to a considerable extent. The amount of premium shall be decided by the transparent process of bidding amongst the Insurance companies participating in the Scheme. In case of serving employees, the premium would be deducted by the Drawing & Disbursing Officer. In the case of pensioners, they would be required to authorize the Band branch from which they are drawing their pension, to deduct the insurance premium.
FAMILY SIZE
a) In case of serving employees, self, spouse, two dependent children and dependent parents would be covered. New born will be covered as a part of insured family member during the currency of the policy.
b) In case of retired employees, self, spouse, two dependent children and dependent parents would be covered.
NOTE:
1. Additional dependent family member can be covered under the scheme by paying an additional premium per additional family member. The premium shall be borne by the beneficiary and there would be no govt. subsidy for the same.
2. The definition of dependent shall be as per guidelines issued by Central Government from time to time.
Serving Central Government employees and Central Government pensioners, if interested in becoming a member of the proposed insurance scheme may send their details as per the format given below, to the Additional Director / Joint Director in the following cities nearest to his place, where CGHS is presently functioning, not later than 15th Feb. 2010.
Ahmedabad – Guwahati – Mumbai
Allahabad – Hyderabad – Nagpur
Bangalore – Jaipur – Patna
Bhubaneshwar – Jabalpur – Pune
Bhopal – Jammu – Ranchi
Chandigarh – Kanpur – Shillong
Chennai – Kolkata – Trivandraum
Delhi – Lucknow – Jammu
Dehradun – Meerut
Alternatively they can also send their details at the following address:
V.P.Singh
Deputy Secretary
Ministry of Health & Family Welfare
Room No.529-A, Nirman Bhawan
New Delhi-110 108
E mail : vijay.singh62@nic.in
FORMAT OF DEMAND SURVEY FOR THE CENTRAL GOVERNMENT EMPLOYEES AND PENSIONERS HEALTH INSURANCE SCHEME (CGEPHIS)
1. Name :
2. Designation :
3. Office Address :
4. Mailing Address :
5. e-mail id (if available) :
6. Date of Birth :
7. Age as on 01.01.2010 :
8. Date of Retirement :
(for pensioners)
9. Whether CGHS beneficiary :
(Yes / No)
10. Nearest CGHS location :
11. Family size :
(Details including gender & age)
I am interested in joining the Health Insurance Scheme as and when it becomes operational.
Date:
Place: Signature:
51 Responses to “Govt calls for willingness to Join Health Insurance Scheme”
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Chandrakumar said on Thursday, February 4, 2010, 20:16
I am residing at a CGHS area and a life member of CGHS SCHEME. If I opt for this insurance scheme I am required to pay the premium from my pension despite the fact that I have paid a large sum of money at the time of my retirement for covering my inpatient and outpatient treatment. I do not know what is the additional benefit I may ac rue by joining the insurance scheme also, spending additional money.
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V padmanabhan Reply:
February 13th, 2010 at 6:08 am
sir, you have to compare 1)the cost between CGHS and Insurance to be provided by Govt. and2) the avialblity of infrastructure between CGHS attached hospitals and private hospitals recopnnised by nsurance companies and 3)also in case if you are out of CGHS area for personal reason to live with off springs . now you can decide or at the best you can join the survey Thank you
yours sincerely V.padmanabhan
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padmanabhan said on Thursday, February 4, 2010, 22:04
sir, this is one way good to govt. servents as it covers existing disease also. even govt. may consider it compulsory for its staff. however if accident insurance is also taken into consideration it is good for govt.servent and govt.
thank you,yours sincerely,V.padmanabhan(TO) VCRC pondicherry
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G.Ramdas said on Friday, February 5, 2010, 5:52
An Advertisement in the major newspapers also appeared on 28th Jan calling for staff/pensioners who would be willing to join the new scheme.
The proposal as appeared in the Ad does not clarify the following:
Why the existing pensioners who have given lifetime contribution to CGHS including hospitalisation should again pay for a new scheme unless this has got additional/superior features?
will the contribution to the new scheme be over and above the existing CGHS contribution? While the existing CGHS scheme contribution is based on type of ward allowed, will ther be any such differentiation in the new one.
The proposed premium seems to be much higher than the prevailing mediclaim schemes. Why?
To encourage more and more staff and pensioners to join the scheme better clarity is required in the proposal
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Prasanna Kumar said on Friday, February 5, 2010, 9:53
This scheme if implemented properly will stem corruption and lessens burden on the government expenditure
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V.S.R.C.MURTY said on Friday, February 5, 2010, 10:44
It is very welcoming the nasty things, delays involved in CGHS system can be avoided in the present insurance system
vsrcmurty
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VNatarajan, President, Pensioners' Forum,Chennai said on Friday, February 5, 2010, 10:55
I find that the CGHS Dispensaries are noit readliy supplying the Demand Survey forms to the pensioner and other out-patients for OBVIOUS reasons- particularly in Chennai – where the CGHS services are at the lowest. They do not even hold the monthly Advisory Council meetings. Most of the Pensioners are highly dissatisfied with their services. Many would be happy to wind up the CGHS facilities at Chennai if the same do not improve. Referral system is a great head-ache. Doctors more often than not are uncooperative. If the Demand Survey is realistically done – definitely many would opt for the CGEPHIS. Revised charges for life-time permanent card now are also very high. Let us hope Health Ministry acts in a rational manner- Demand Survey or No survey- CGEPHIS needs a proper attention!
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Sarang Mandviker said on Friday, February 5, 2010, 11:08
Kkindly post the FAX number of :
V.P.Singh
Deputy Secretary
Ministry of Health & Family Welfare
Room No.529-A, Nirman Bhawan
New Delhi-110 108
E mail : vijay.singh62@nic.in
Reply
rajiv goel said on Friday, February 5, 2010, 11:29
I am a Central Govt. officer presently on deputation and covered under medical rules of the company where I am on deputation. The deputation is likely to continue till my retirement. Since CG Medical rules are not applicable to me right now but will be applicable after retirement, whether I should participate in the survey?
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admin said on Friday, February 5, 2010, 11:50
@Rajiv Goel
You could have seen that the willingness called for is to determine the demand of this health insurance product among CG employees. So, you can also send your willingness
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Subashini K Iyer said on Friday, February 5, 2010, 15:58
I would like to know whether both the CGHS which I presently using and Health Insurance Scheme can be utlised?
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Anilkumar said on Friday, February 5, 2010, 17:30
Under CGHS Scheme, we are getting medicines in OP. Under the insurance scheme only inpatient is getting the reimbursement. Most of the employees are out patients. In the event of occasional diseases, which do not require hospitalisation, we have to bear the expenses. Without OPD, the scheme is not viable and suitable.
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K Y DASU said on Friday, February 5, 2010, 18:37
This scheme is really good for the CG employees and retirees who are living in non covering cities of CHSC. One should come forward and demand this system for the betterment of self and their family members.
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K Y DASU said on Friday, February 5, 2010, 18:43
I am willing to join this scheme.
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N. S. Judge said on Friday, February 5, 2010, 19:42
Nothing is mentioned about the OPD treatment. I do hope it will be covered in the schene or otherwise.
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anil said on Friday, February 5, 2010, 21:06
It is an excellent proposal. There should be cashless facility in case of hospitalization. Huge amount has to be deposited in hospitals (Govt. or Private) in case of serious diseases. A govt. employee may not have such huge cash at a time. The Govt. should go ahead to implement this policy immediately.
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ram said on Friday, February 5, 2010, 22:49
Mr.N.SJudge is correct. New health insurance scheme should also cover out patient treatment. It’s quite possible as cerain private health insurance agencies are giving this facility already after charging a bit extra.
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admin said on Friday, February 5, 2010, 22:54
we suggest the readers to incorporate the suggestions proposed by them in their form submitted for expressing willingness
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MANDELLA EKAMBARA RAO said on Saturday, February 6, 2010, 2:27
Very good proposal. It should cover OP treatment charges, purchase of medicines, Existing diseases, Monthly/Daily/Specialised/regular medicines for existing diseases, cashless facility in hospitalisation, hospitalisation facilities in the nearest hospitals in emergency. Beneficiary should be allowed to approach any hospital in India instead of restricting it to a hospital at the place of working, by issuing necessary ID/Bio Cards, as the CG employee is liable to be transfered anywhere in India from time to time.
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V Ramasamy said on Saturday, February 6, 2010, 19:47
It is really a good proposal by the Government and every Government servant should join this scheme. At present Government servants are suffering due to huge gap between the treatment cost and the package rates of the Central Government. Government should implement this scheme at the earliest.
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T VYDYANADHAM said on Saturday, February 6, 2010, 20:19
Insurance scheme is very good , But what about OPD treatment and supply of medicines. Govt should clarify the scheme in detail and also extend time. Employees can opt this scheme through their department to the authorities concerned.
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KV RAMAKRISHNAN said on Saturday, February 6, 2010, 22:04
Very nice proposal. Iam going to retire by june 2010. can i use CGHS and and also newly proposed medical insurance.
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krishan k said on Sunday, February 7, 2010, 9:52
please tell that ivf treatment can be considered in this new health scheme.
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krishan k said on Sunday, February 7, 2010, 9:54
it is very good proposal, but in vitro fertilization treatment is considered in this proposal or not?
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J.K.Ekanath Babu, Foreman/NT in Ordnance Factory,Trichy-16 said on Sunday, February 7, 2010, 19:32
Sir, This scheme will be a good one and hassle free. My experience with private health insurance will highlight the problem. Though Central Govt. employee, I opted from a famous health insurance scheme for family and paid Rs.7500/- for a year. When admitted my son for hospitalization, one of the hospitals rendering the services, simply benefited by charging Rs.100/- room charge for Rs.1000/- per day. All etc. charges towards fee amounting Rs.5700/- .Finally, I was asked to pay Rs.1400/- though it was cash free scheme. I argued with the Insurance company and they justified that they can sanction only admissible charges others I have to pay. What a cruel business. Had I been not paid for such scheme the whole treatment would have Rs.2500/- Corporate hospitals are fishing out of trouble of common men ill health. The beneficiaries seems only hospitals with some facilities charging differently to their profit. Not only squeezing by way of paying premium by such private insurance co. but also forced to pay from pocket. Hence, it is appealed to govt. to devise such a fool proof plan neither government should not be taken for granted nor employees. The aim of providing health scheme should reach to citizens/employees to the core not to empty the treasury for the benefit of some profit oriented, rich five star like hospitals who are depriving hard earned money. Indian system of medicines should be encouraged. We, indians, are being treated like a monkey and rat for testing unwanted medicines by the profit oriented Medicines companies. The result is India is the capital of Diabetes etc. Weak and unhealthy citizens will be endangering the whole country in the long run. Proper training from the school level to all children about physical exercises, yoga, pranayamam should be made compulsory so as to make a healthy country, pain and disease free country. Thank you,
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P.Anbuchelvan said on Sunday, February 7, 2010, 20:53
friends, there are many unanswered questions in the scheme. Whether the premium has to be paid even after the retirement? If so, is it of the same? Will it be affordable with a pension? Answer for these questions are utmost required as the requirement of medical attention very much after retirement only. For the serving employees, Whether the insurance will cover hospitals other than that of already authorized for outpatient treatment under CGHS. Above all, whether the premium rate is equal for all cadres? Ok! is it not the obligation of the Government to provide adequate medical attention to the Government Servants. Already, the CGHS rate has been increased 3 times though our pay (cadres below Group-A) has not increased three times.
Be as it may, we all give willingness and wait for the entire scheme with a hope that the scheme will be framed atleast taken into consideration of the welfare of the lower grades who are very much required such schemes with nominal rates.
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suresh saraf said on Monday, February 8, 2010, 10:05
Netaji Subhas Instt. of Tech (NSIT) is an autonomous body under Govt. of NCT of Delhi. We are following the Delhi University Medical Scheme which is based on CGHS pattern. Can the employees of NSIT opt for new Health Insurance Scheme of Govt. of India ? Kindly clarify.
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khader said on Monday, February 8, 2010, 12:27
There are lot of things unattended, this scheme will be beneficial if all the present facilities that available including additional family members and OPD treatments are covered.
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krishan k said on Monday, February 8, 2010, 17:58
yes, Already, the CGHS rate has been increased 3 times though our pay (cadres below Group-A) has not increased three times.
Be as it may, we all give willingness and wait for the entire scheme with a hope that the scheme will be framed atleast taken into consideration of the welfare of the lower grades who are very much required such schemes with nominal rates. please answer.
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krishan k said on Monday, February 8, 2010, 17:59
yes i want to join this. it is realy good.
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admin said on Tuesday, February 9, 2010, 8:37
Reply from Admin: @suresh saraf
if you are entitled for CGHS now, you should be eligible for new health insurance scheme.
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ajaykumar said on Tuesday, February 9, 2010, 9:41
The scheme is not suitable unless OP treatment also is included. Also the premium shown is very much on the higher side compared to the private mediclaim policies
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sathish said on Wednesday, February 10, 2010, 16:20
The G.O.I. with its various strategical moves has succeeded in creating an aversion towards the CGHS on the minds of existing CGHS beneficiaries. The Medical Attendance Rules at non CGHS areas are as good as non-operative as CG employees many a times don’t go for claim keeping in mind the cumbersome procedures. All these activities were performed by the GOI keeping in view the aim of creation of attraction for the forthcoming Medical Insurance Scheme for which the willingness is under circulation.
But from the employees’ point of view A Group ‘C’ employee paying about Rs.1300 p.m. as subscription will have to pay an amount of Rs.4000/- p.m. even if the government agrees to subsidise the premium by 50%.
When the scheme envisages higher premium for the additional member of the family, will the premium be reduced if the employee has less family members, like employee and spouse only or with one child etc.
Whether the willingness given once is final or it is only a referendum? In any case, the government should educate the employees with fine parts of the scheme without which it is unlikely that the Government may get enough response for expressing willingness.
For the lower rung employees still the OPD expemditure is not covered by the scheme which may have effect in their expressing willingness. For others who may feel that they can afford OPD from their pocket, the premium should be lesser than the market premium then only the purpose of government offering the scheme would be satisfied. The government need to be clear about the premium amount to be paid, and should make a commitment to its employees on the stability of the premium.
Because, there are examples of such schemes putting the retired in trouble as the insurance companies increase (rather augment it in galloping pace) the premium paid which consume a good part of thepension of the employee in the schemes offered by even insurance companies like LIC.
Are they going to offer cash card system or reimbursement scheme? These questions need to be answered before asking willingness of the employees
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vinod kumar said on Wednesday, February 10, 2010, 19:44
Nothing is mentioned in this Survey about OPD treatment and Cashless facility. Perhaps, it will cover reimbursemet of the expenditure on treatment only. without cashless facility and OPD treatment, it seems to be non-attractive.
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vinod kumar said on Wednesday, February 10, 2010, 19:50
It may be a good proposal if cashless facility and OPD treatment is covered.
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N. S. Judge said on Thursday, February 11, 2010, 13:38
I note that my obversation for inclusion of OPD treatment in the scheme has also been noticed by some other readers. Can asuggestion be made to the concerned department to cosider our views please?
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Venkat said on Friday, February 12, 2010, 16:20
Dear sir
I want some information about -, that Ihad joind before 1-1-2004, but I am not in the GPF scheem, that time I had opted CPF, afterwards the dept. not given the chance to change my option from cpf to GPF. I am loosing lots & lots of benifits from the Institute, which is under MHRD, What have to do to get my benifits (CPF to GPF) Becase I had joind the institute as on 02-08-1989. Plz kindly guide me, we are total 36 people left out from the GPF pension scheem.
do the help
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ishwardask said on Saturday, February 13, 2010, 14:11
It’s good but what is about medical allowance to the pensioners?
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G.R. Rangra said on Saturday, February 13, 2010, 19:28
Scheme may be good for GE. I want to know about applicability. If I am staying in Delhi and visit home town in Himachal Pradesh for 2-3 months and fell sick. Will this scheme will cover medical expenses? Or on a tour anywhere in India? Somebody can clarify
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ANAND DAMBAL said on Sunday, February 14, 2010, 23:53
Hello friends,
All the comments have missed out on one most important point!! the proposed scheme puts a cap of Rs 5 Lakhs. Outright stupid, in present days of inflation and rise in medical costs. the CGHS is the best. It is UNLIMITED COVERAGE for all family members. Please do not join the scheme as it is not viable. recently one of my acquaintance had to undergo CAncer treatment, the injections cost for the course of SIX injections was Rs. 7 lakhs, imagine the fate under the new scheme!!! Hope better sense prevails on the proposers of the new scheme.
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amit Reply:
February 15th, 2010 at 10:42 pm
Hello friends
ANAND DAMBAl is very correctly said about the limit of Rs. 5 lakhs in case of new medical scheem. In case of any critical illness, CGHS is the only way out to get the maximum amount reimbursed. There is possiblity to get the delayed reimbursement or less but it will be unlimited as well. So old CGHS scheem is better . If u like case less scheem than one can in addition purchase the scheem from the market.
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G.Ramdas said on Wednesday, February 17, 2010, 10:28
Dear All,
Further to my comments dated 5th feb.2010, there have been further developments. Min of Health have notified the draft of the proposed scheme, on their website and is available at http://mohfw.nic.in/DRAFT%20CGEPHIS.pdf
While it clarifies many of the issues, the apprehensions expressed by members have also come true. As mentioned by Anad Dambal the ceiling of 5 lakhs for the insurance is a real shocker. The surprise is that this is the total reimbursement per family in a year is limited to Rs.5 lakhs.None of the present CGHS beneficiaries would like to sacrifice the existing benefits to go for such a scheme
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Mihir Kumar Bhattacharya said on Wednesday, February 17, 2010, 21:13
I cannot understand whether the proposed scheme would cover the day to day medical expenses in addition to hospitalisation expenses or not.
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R.C.Murthy Reply:
February 25th, 2010 at 1:40 pm
Inspite of several CGHS beneficieries voicing concern about not spelling out the details of outpatient treatment and dispensing medicines, the admin of CGHS is silent. Why don’t they clarify all the issues and allay the fears. The limit of 5 lakhs proposed also need to be raised substantially.
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chandan bhakuni said on Monday, February 22, 2010, 14:19
i also want to join this scheme but the narrated Primium rate (8000-12000) is high. Since i am a new entrant in Central govt service. A lot of deduction is alreday there from my salary. if i purchase this schme , employee like me will suffer because year per year we are taking less salary home. So what should be a good step.
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m.venkatraman said on Monday, March 1, 2010, 11:55
i have a cghs card for whole lifetime.The circular is silent about out patient treatment the rates for insurance scheme is rather high .unless the old pensioners are allowed to join at a very concessional rate it will be impossible for them to join the scheme .The govt may reconsider the on such lines
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R.C.Murthy Reply:
March 6th, 2010 at 9:50 pm
I went to my CGHS dispensary to deposit my option to join CGEPIS with conditions. I was surprised to learn from them that they are not aware of the Survey nor they are aware of the eventuality of out patient treatment and dispensing of medicines to both outpatients and long term medicines for ailments identified by hospitals. There is no point in carrying out survey without spelling out all issues . The detailed literature addedsing all the issues
All the comments of existing beneficieries should be taken into consideration before finalising the rules for CGEPIS without putting them in disadvantages.
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C.N.Sanjeevi said on Monday, March 1, 2010, 17:16
I am a retired Group A Officer of D.O.T. My family consists of self and wife. I am 77 years old and my wife is 72 yrs. old. At the moment we do not suffer from any serious illness. We go to C.G.H.S. for outpatient treatment for any illness including check up, collection of medicines for BP,Cholesterol etc. CGHS has recognised a few Hospitals for inpatient treatment other than Government Hospitals. In emegencies, like stroke, heart attacks, accidents etc., it may not at all be possible to obtain admission memos
from CGHS dispensaries. Only planned inpatient treatment is now possible as otherwise, to get reimbursement is a longdrawn out and difficult process. It would be better if CGHS rules are amended to provide for reimbursement or cashless treatment without any reference memo being insisted upon for obtaining inpatient treatment.TheID card should be enough. The list of Hospitals is required to be expanded since many are not nearer to the residence and may not be equipped to treat the particular illness effectively.
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VIVEK KUMAR GOEL said on Friday, March 5, 2010, 17:13
I read the schme. This scheme is beneficiary for PRIVATE NURSING HOME AND DOCTORS only. Government servant as well as Government both will be the looser if this scheme is implemented. Privete Doctors and Nursing Homes are pressing very hard on Government to Implment this scheme.
I have an experience to share. My near relative’ wife fell ill and hospitalised in a well reputed hospital of Meerut City. My relative asked lumpsum cost of treatment to Doctor, she replied that Rs.17000/- will be the cost. My relative’s son was working in M/s WIPRO Ltd. and his parents are covered in a CASHLESS insurance policy made by his company. My relative told about it to the doctor on the discharge day after completion of the treatment of his wife than Doctor was very happy and told him to come after 07 day to collect the Discharge certificate and now cost of the treatment was Rs.45000/- (more than 2.5 times of actual cost).
By this example you can understand that who is the beficiary for this type of cashless health insurance schmes. In my view this Insurance Scheme is a very very costly affair to Government and also for a simple (i.e. who is not cunning) Govt. Servant.
In my openion CGHS scheme should be implemented in all over India with a more simple proceedure to avail treatment and more and more facilities.
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R.C.Murthy said on Sunday, March 7, 2010, 6:32
in the circular for survey the Ministry of Family Welfare and Health has indicated Feb15 as last date for the Survey. The CGHS Dispensaries have not received the Circular and they are non committal about continuation of existing provisions of namely out patient consultation and dispensing medicines by them for both outpatients and lifelong medicines. It is required to clarify all issues to enable the beneficieries to have best of both worlds. Further the premium to be paid after giving them substantial subsidy has to be spelled out. The Govt should keep in mind about the cases of Permanent card holders. The ceiling of 5 lakh per family per year is considered inadequate as the cost of treatment at specialist hospitals are on the rise.
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SHAILENDRA KUMAR TRIPATHI said on Sunday, March 7, 2010, 17:06
the scheme is very benificial to the govt. employees but the premium is more is comparision to other mediclaims policly.
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