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Madhya Pradesh government is bringing a cashless insurance scheme (MP Cashless Bima Yojana) for the treatment of its 12 lakh employees and pensioners. For this, the discussion between the Health and Finance Department is in the final stages.
A draft is being prepared regarding the amount of insurance premium and treatment coverage duration.
The draft will be prepared and sent to the committee of senior secretaries. From where it will be brought to the cabinet after consent.
Employees Health Insurance Scheme to Cover Pensioners As Well
According to the proposed insurance scheme, 7 lakh employees and pensioners will be covered under it.
The main reason for this is that the government provides medical assistance to the employees according to the prescribed rules, but the pensioners themselves have to get the treatment done.
That too when the age is more than 62 years, at that time they also need treatment. Considering this the new karamchari swasthya bima yojana will cover both employees and pensioners.
MP Cashless Bima Yojana Premium and Treatment Coverage Amount
A few changes are made in the old insurance scheme to provide benefits to everyone.
For treatment that requires more than 5 lakhs, the permission of the cabinet will be required.
Also, the employees have to pay a premium for the amount of insurance.
This amount is divided into four classes where the lowest premium starts from Rs 200.
Those falling into Class 1 will have to pay Rs 800 as an insurance premium. For Class 2, it is Rs 600 and Rs 400 for Class 3.
However, there is no final decision on the amount of premium.
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The difference in Old and New Health Insurance Scheme
As per the old scheme, employees can take Rs 3000 for treatment purposes which is increased to Rs 8000 in the MP cashless bima yojana.
The biggest change is in the major treatment expense. Earlier, any employee could take Rs 2 Lacs for treatment if the civil surgeon permits it.
Now, they can take only Rs 20,000/ year as per the new scheme. And in case of a serious health issue, the employees will be covered under the CGHS scheme.