Srinagar: The Jammu and Kashmir Government Group Medical Insurance Scheme, managed by ICICI Lombard, has 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 2017.
The insurance company settled over 6,000 claims which included 1,451 claims so far during this period.
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.