ICICI Settles over 6k State Employees’ Medical Claims

SRINAGAR: The Jammu and Kashmir Government Group Medical Insurance Scheme, managed by ICICI Lombard, recorded a 35 per cent growth in enrolment from 18,102 em­ployees in 2014, the first year of the scheme, to 24,356 employ­ees as on January 12, 2017.

The insurance company settled over 6,000 claims which included 1,451 claims so far during this period, a statement sais on Thursday.

Over the last three years, ICI­CI Lombard’s group medical in­surance scheme in partnership with the J&K government has increased penetration of health insurance among state employ­ees. The policy covers medical expenses up to Rs 5 lakh for em­ployees and their family mem­bers who include spouse, chil­dren, parents as well as in-laws.

In 2016, parents and in-laws were the biggest beneficiaries of the J&K Government Group Medical Insurance Scheme, ac­counting for 44 per cent of the total claims settled in 2016-17. Spouses accounted for 29 per cent of claims. In terms of age, 40 per cent of claims were settled for insured in the age group of 56-75 years, followed by 32 per cent in the 36-55 year bracket.

Since 2014,employees from state and autonomous bodies in­cluding the Shrine Board, Sher-e-Kashmir University (SKUAST) and Shri Mata Vaishno Devi Uni­versity (SMVDU), Katra have been enrolled in the scheme.

Some of the key benefits of­fered under the group medical insurance scheme are: The poli­cy covers treatment of all medi­cal/surgical care requiring min­imum 24 hours hospitalisation.

Covers expenses up to Rs. 5 lakh per year per family on floater basis subject to terms and conditions of the scheme.

Day-care procedures also covered under the scheme.

Cover available to employee, spouse, children, parents as well as in-laws.

Cashless treatment covered within and outside J&K with­out any referral.

 

 

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