The State has issued a government order (GO) approving Phase 2 of Medical Insurance Scheme for State Employees and Pensioners (Medisep), specifying that the monthly premium for the Phase 2, including taxes, will be enhanced to ₹750, subject to the finalising of the bid.
The monthly premium during Phase 1 had been ₹500. The scheme covers over 30 lakh individuals, including some 5.45 lakh government employees, 5.89 lakh pensioners and their dependents.
The State Cabinet had earlier approved Medisep 2, with enhanced insurance cover and a larger package of procedures and larger coverage of catastrophic illnesses.
The Cabinet which met here recently had approved Phase 2 of Medisep, which has been revamped as per the recommendations of the expert committee that the government had entrusted it to, offers an enhanced basic coverage of ₹5 lakh.
The policy period will be for two years and a 5% increase in premium and package rates will be allowed for the second year
The GO has approved in principle, the expert committee’s recommendation that Medisep be extended to employees and pensioners in public sector undertakings, Corporations, autonomous, statutory bodies and the cooperative sector who do not have the Employees’ State Insurance (ESI) benefit.
The respective institutions should directly approach the selected insurance company with necessary data and ensure premium payment for enrolling the beneficiaries. The beneficiaries (employees and pensioners) will be provided insurance coverage at the same terms and conditions of Medisep 2
More than 2,100 procedures are included in the basic benefit package for availing around 41 specialised treatment.
Medisep 2 has been revamped on the basis of Health Benefits Package (HBP) 2022, the latest and scientific health costing package formulated by the National Health Authority.
The expert committee had also suggested essential empanelment of specialised national-level institutions like the Sree Chitra Tirunal Institute for Medical Sciences and Technology. If empanelment is not feasible, all the treatments availed from these institutions will be reimbursed by the insurer to the beneficiaries based on the package rates of the revised scheme.
Published – August 16, 2025 09:27 pm IST
