In a move that will benefit over 6 lakh government employees and pensioners as well as their dependents in Punjab, the State Cabinet has given its nod to implement cashless health insurance scheme. Though the scheme is mandatory for pensioners and employees, it can be opted by All India Service Officers, serving and ex-MLAs, serving and ex-judges of Punjab and Haryana high courts.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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As reported by The Economic Times, they would also be able to avail the cashless scheme in more than 250 empanelled public and private hospitals in Chandigarh, Delhi, Noida, and Gurgaon. Furthermore, the expenses on the treatment taking place in other parts of the country would be reimbursed to the employee within 15 days of submission of medical bills.
The scheme also covers 246 day care procedures (where patients are required to be hospitalized for less than 24 hours). The cashless scheme would cover pre and post hospitalization expenses up to 7 days and 30 days respectively. The entire family would be covered for an unlimited amount under this scheme.
The OPD expenses other than those related to chronic ailments would continue to be met through fixed medical allowance. All benefits would be granted to employees as per Medical Attendance Rules, 1940. The scheme would also entail a yearly financial liability of Rs 107 crore on the exchequer.