In a decision that will cover over 6.50 lakh government employees and pensioners, the Punjab cabinet on Thursday gave nod to "cashless health insurance scheme"replacing the existing policy of reimbursing medical expenses.
The scheme would be made compulsory for employees and pensioners, but it would be optional for All India Service Officers, serving and ex-MLAs, serving and ex-judges of Punjab and Haryana high court. The scheme would entail an annual financial liability of `107 crore on the exchequer.
Under the current policy of reimbursing medical expenses of employees, pensioners and their dependents, the state government's annual financial liability is about`160 crore, it is learnt.
According to a chief minister's office (CMO) spokesperson, the facility of cashless treatment would be provided to government employee/ pensioners and their dependents in more than 250 empanelled public and private hospitals in Punjab, Chandigarh and NCR (Delhi, Gurgaon and Noida). Under this scheme, all benefits would be granted to employee as per service rules (Medical Attendance Rules 1940).
The expenses on treatment, if taken in the remaining parts of the country, would be reimbursed to the employees by the insurance company within 15 days of submission of medical claim.
As per the scheme, the expenditure on treatment of patient admitted to a hospital, 246 kinds of "day care" procedure (in which treatment was provided in less than 24 hours) and treatment of chronic diseases in the OPD would be provided to patient without spending any money. The OPD expenses other than those related to chronic diseases would continue to be met through fixed medical allowance. The scheme would cover pre and post-hospitalisation benefits up to seven days and 30 days respectively, which were not available under the prevailing rules. Though the insurance company cover was `3 lakh per family, the scheme would cover a family for an unlimited amount.