In what will be a major boost to the welfare of the 80,000 strong Madhya Pradesh police force and their family members, the government has given an in-principal approval to MP Swastha Suraksha Yojana, an ambitious health insurance scheme for the police personnel that is in line with the hugely successful Arogya Bhadrata Yojana of the Andhra Pradesh police. Similar group insurance schemes are also in place in Karnataka since 2002, where it is called Arogya Bhagya and also in Maharashtra. The plan had been prepared under the supervision of DIG (Indore) Sai Manohar.
Though the state government provides free health cover to the police personnel, at present, the process of getting approval for treatment and then getting refund of the money spent on treatment is a major headache giving avoidable tension to the policemen, who, in any case, are among the most stressed out employees of the government. This is especially true in case of critical illness, where large amounts are needed.
The new scheme will cover the police personnel, his wife and three children till they are 24 years. The benefits will continue post retirement too. Those covered in the schemes will be entitled to Rs 8 lakh a year in treatment for self, wife and three kids.
In the first phase, 30 specialist hospitals covering all the major cities of Madhya Pradesh and 31 hospitals in other parts of the country would provide treatment to the police personnel. The selected hospitals are among the top in the country.
The entire process will be cashless. The members would be given an identity card with a photograph and it is also likely that these identity cards would be fitted with an electronic chip where all the data of the member would be stored. There would be no need for pre-approval from any medical board and the ailing policeman or any of his family members would just have to get himself admitted to any of the selected hospitals.
Of course, all this would come for a price - which is nominal. The entry fee would be Rs 100, with a monthly deposit of Rs 50 per month. Besides the fees, the corpus money would include money given by the state government, grants from state and central governments and money from police welfare fund.
The management of the scheme would be monitored by a state-level committee which would be headed by the DGP, the ADGP (administration), the IG (welfare) and a 12-member committee. There will also be a regional-level committee that would be headed by the zonal IG.