AYUSHMAN ₹5.00 LACS INSURANCE ABOVE 70 FOR SENIOR CITIZENS.

[SUBRAMANIAN H MANI]

For those bank retirees who are covered under their Banks Group Insurance Schemes AYUSHMAN is not available.   They can keep either bank's Group Insurance / or AYUSHMAN and not both as clarified by policy documents 

H SUBRAMANIAN
9840241144

[Rajamani Srinivasan]

Will you please provide the exact clause which denies the benefit to a person who is covered under Group insurance?

S Rajamani 

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[SUBRAMANIAN H MANI]

There is lot of confusion in this regard.

Clarification sought for and reply awaited.

In the meantime, apology for wrongful conclusions.

H SUBRAMANIAN
9840241144

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[Narayanan Venkateshwaran]

Please do not spread wrong information.IBA is paid scheme.No body can prevent you just for reason that you get cover under free scheme 

Narayanan

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[Ramakrishnan S]

I do not feel / think the view of Mr. H. Subramanian, as correct

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[SUBRAMANIAN H MANI]

Please ignore my email on this subject.   

Please get clarified with Banks' empaneled Insurance companies about admissibility of claim from Bank IBA / Group Insurance TPAs as to  whether Ayushman Bharath and / or Banks Insurance will be allowed.

H SUBRAMANIAN

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[M A Prasad]

I understand irrespective of additional policies ayushman Bharat is available to. All citizens above 70. I read it news ites

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[SUBRAMANIAN H MANI]

Please ignore this mail and get clarification from banks insurance schemes about the entire policy and entitlement 

H SUBRAMANIAN
   

[Siba Sethy]

Bank Retirees are eligible

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[Srinivasan Badri]

Why Mr Subramanium  H is propagating unauthenticated and unfounded  news creating panic to  the Reirees who are already  in  distress?
It is better he stops

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[JSOMA SHEKARA]

We are over reacting to the post of Subramani. He has done nothing wrong. There is a report that those who are subscribing to private Insurance scheme can avail Ayushman Bharat Insurance cover for senior citizens above the age of 70.

IBA is a private body. The group Insurance scheme run by IBA is not funded by the  Banks and it is a paid scheme for retirees.

In fact if the govt start the scheme before IBA issues  health insurance circular many retirees would join the govt scheme.  Can IBA put a restriction that retirees cannot  avail health Insurance cover of the Government?

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAG-kmoOMt1WOY4XyuxLfM2Yfr%2Br6YuwM6W7_5GwSSZFwQ8Jd8A%40mail.gmail.com.

[SUBRAMANIAN H MANI]

Please refer today's clarification email posted in the group.

I am not progating unauthorized and unfounded news which please note. 

H SUBRAMANIAN
   

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[VASUDEVAN CHENNAI]

The problem is we don't study issues thoroughly but come to conclusions unprepared. Probably Mr H Subramanian is eager to get his doubts cleared thru this forum by his statement.

If he is convinced, let him not avail AYUSHMAN why confusing others 

Vasudevan V

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[Muralidharprasad Ayaluru]

You may follow the below link to know more about AYUSHMAN BHARATH 

https://www.bajajfinserv.in/insurance/ayushman-bharat-yojana-are-you-eligible-for-the-pmjay-scheme

On Wed, 18 Sept, 2024, 6:07 am Muralidharprasad Ayaluru, <profes...@gmail.com> wrote:

Dear sir 

Ayushman Bharath is applicable to only Economically Weaker Sections ( Ration card holder)

They are marketing it differently 

Regards

A. Muralidhar Prasad 

Ex ABian 

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAE84OyBK459ygTsO0P9pp2xv7PBp-QD47HxtLtoEzFQqc2mDuw%40mail.gmail.com.

[Muralidharprasad Ayaluru]

Dear sir 

Ayushman Bharath is applicable to only Economically Weaker Sections ( Ration card holder)

They are marketing it differently 

Regards

A. Muralidhar Prasad 

Ex ABian 

On Tue, 17 Sept, 2024, 9:08 am M A Prasad, <pras...@gmail.com> wrote:

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAE84OyBK459ygTsO0P9pp2xv7PBp-QD47HxtLtoEzFQqc2mDuw%40mail.gmail.com.

[Muralidharprasad Ayaluru]

For senior citizens of above 70 years , irrespective of their income level all are eligible 

On Wed, 18 Sept, 2024, 6:07 am Muralidharprasad Ayaluru, <profes...@gmail.com> wrote:

[Ravinder Singh]

A COMPARISON
      with Government run AYUSHMAN insurance                  
       WITH EXISTING HEALTH INSURANCE PLANS
( FREE gift v/s PAID )

  PLEASE READ IT AS IT IS VERY MUCH IMPORTANT & SHARE IT IN UR GROUPS

     Government of India has extened "आयुष्मान" health insurance policy for all who r above 70.
      It is well in the knowledge of almost all bank retirees that AIBRWA is also helping u thru a very affordable H.I.Scheme on floater basis with many  other bank Retirees associations through a very reputed Bombay based  re- insurance broker for the last few years w
       Looking towards new phenomenon launched rather extened by government of India on the same issue.  Our organisation felt it  a bit serious n decided to comment before  to choose every best.

     After consulting  few of friends in Delhi we came to some conclusion which is hereby stated for ur consideration
       Please read it carefully n must  comment ur expert opinion to enable it more beneficial for all concerned.
Thanks ...

We have been getting various enquiries on the Ayushman Bharat scheme which has been extended to senior citizens above the age of 70 years.  and whether our Super top up policy can be extended to persons covered under this scheme.

We wish to inform you that the Super top up benefits can be taken by persons who do not have a single policy or are not covered in any scheme.
      We have to opt a threshold limit of 3 lakhs post which you can claim under this policy.

To re-iterate once again the first 3 lakhs expenditure incurred towards hospitalization in the policy period have to be borne by the retiree and the remaining amount can be claimed from the Super top up policy.
     So in that respect if a senior citizen isb covered in Ayushman Bharat he can avail our super top up policy for the same.

       In order to ensure that every senior citizen takes an informed decision, we would like to give below the salient features of the scheme.

1. There is a sum insured of 5 lakhs which will be extended to the senior citizens for hospitalization.
2. Pre hospitalization and  hospitalization cover is given for 3 days respectively.
3. The scheme is completely cashless and whilst not available just in government hospitalization there are very few private hospitals especially in metro cities who are on the panel for Ayushman Bharat Treatment is on Cashless basis only and no reimbursement is allowed.
4. 2436 procedures and treatment types are covered. Any ailment which is not listed is not covered in the policy. Malaria, dengue, etc  is not covered.
5. It does not covered high end drugs, advanced medical procedures.
6. The treatment can be taken only in general wards.
7. In critical illnesses where treatment costs are very high, this policy cannot be used to give the appropriate cover.

8. The concept of Cashless anywhere is yet not applicable to this scheme and even if the 5 lakhs sum insured would be exhausted, cashless cannot be continued alongwith this scheme in the Super top up and one can only come for reimbursement in the Super top up policy.

9. Although this scheme has been launched with right intentions, the procedures and processes required to run and implement it smoothly across the country is yet to be properly established. With the influx of so many senior citizens it may be possible that there is a scarcity of bed capacity in general wards in the hospitals which are currently on the panel.

It is therefore advisable that whilst a senior citizen may certainly enrol or apply for this scheme, a complete dependency upon this scheme only as the source of hospitalization claims is not recommended. It is highly essential ton take an adequate insurance cover to offset any exigencies.

This post is for Every bank retiree  to consider every pros n cons of benefits who has already taken health insurance policy,  no matter from whom policy has been opted in the past.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CACofheoUBaRW4xHeaPT0Rc6MCrSvj6PM3nZdJav-KO3FNFaTHA%40mail.gmail.com.

[Sridhar Mandyam]

Even if one is eligible, there are many things to be clarified. Admission to private hospitals is allowed?. Who will monitor the process like our TPA? As this is a government scheme, the reimbursement to private hospitals from the government will not be immediate. Most private hospitals will be reluctant to join. So one will be left with two choice. Get admitted to private hospitals under medical policy or get admitted to Ayushman approved hospitals to get benefits under the government scheme 

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CACofheoUBaRW4xHeaPT0Rc6MCrSvj6PM3nZdJav-KO3FNFaTHA%40mail.gmail.com.

[ashok goel]

What is ABHA card sir.

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[MOHAN P]

Dear Sri Subramanian, 

An ABHA card, or Ayushman Bharat Health Account, is a digital health ID card that provides a unique 14-digit number for Indian citizens to access and share their medical records. The ABHA card is part of the Ayushman Bharat Digital Mission (ABDM), a digital healthcare initiative by the National Health Authority (NHA

ABHA card can be downloaded from below mentioned link. 

https://abha.abdm.gov.in/abha/v3/login

Regards

Mohan. P

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[R Balaji]

What is the use of ABHA card ? How to use it?

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[Adv Kumar]

Please anyone guide me my father was ex employee of PNB and my mother getting family pension and she required family pension loan after all documents complete we provided and we wait up to 15 days now BM ask form 16 so my question is form 16 mandatory for family pension loan please i request to all senior retired Sir's please tell me

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[Satyanarayana Rao]

All senior citizens above 70 years of age are eligible for health insurance card.

Yahoo Mail: Search, organise, conquer

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAMCbyDSVpM7ehPBn7GsGNfO3mWD6dtYhwE%3DR4HH0pRDrYoe4fA%40mail.gmail.com.

[George Ignatius]

Sir I could successfully download the Abha card from the link you have provided. Thank you very much 🙏
But I have a doubt 🤔 this card and the pmjay card are different? I couldn't download pmjay card for me

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/277968467.6249605.1726759489587%40mail.yahoo.com.

[MOHAN P]

The Pradhan Mantri Jan Arogya Yojana (PMJAY) is an initiative to improve and secure the livelihoods of people from economically weaker sections of society. 

The Aarogya Bharat Health Account or ABHA initiative is meant to encourage and help people create a digital record of their medical information.

ABHA card is  to avail the insurance cover through empanelled  hospitals.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAKqO5skyyt5eDTJFPTOHjLpgvFquX3hFo1ZV9J4ZDR26%3D2vkSA%40mail.gmail.com.

[kandala ashok]

ABHA card is available online since last three years. I have two different ABHA cards and three Abha numbers. ABJAY card with benefits to senior citizens above 70 yrs is yet to come. Please wait.

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[Satyanarayana Rao]

Can you please up load the details of empanelled hospitals and other benefits. 

Yahoo Mail: Search, organise, conquer

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[MOHAN P]

Ayushman Bharat site provide details of empanelled hospitals,once details of state,City etc are provided.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/1531371893.6692637.1726930714769%40mail.yahoo.com.

[sailendra kr de]

What should I do if the West Bengal Government refuses to accept the Ayushman Bharat Insurance scheme  on the ground that they are not agree to bear the 40% cost of the treatment.Most peculiar thing is that most of the hospitals located in Kolkata are not accepting the Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme card. The 42 selected Hospitals agreed to admit the bank retirees for treatment under Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme provided the  Bank retirees  residential address must be out side West Bengal and Delhi state.

On Wed, 25 Sep 2024, 07:07 sailendra kr de, <desail...@gmail.com> wrote:

If both the facilities are not available,it will be challenged in Highcourt.One should remember Bank's Mediclaim facility is not available with out any premium by the retirees.. Whereas Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme is free scheme with out any premium.Bank has no right to say that both facilities are not available by the retirees.Only the central government has right to curtail one benefit of Insurance scheme.This is not the problem,.The main cause of is that when all the States agreed to implement the Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme , only West Bengal Government and Delhi state refused to accept the Ayushman Scheme of Indian Government on the ground that they are not  agree to bear the 40% cost individual treatment..

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAMCbyDR%3Dy_%2B5FNM96fPLUKH%3D8eo9Ct%3D-69QeBdJ058ZezXL6oA%40mail.gmail.com.

[sailendra kr de]

If both the facilities are not available,it will be challenged in Highcourt.One should remember Bank's Mediclaim facility is not available with out any premium by the retirees.. Whereas Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme is free scheme with out any premium.Bank has no right to say that both facilities are not available by the retirees.Only the central government has right to curtail one benefit of Insurance scheme.This is not the problem,.The main cause of is that when all the States agreed to implement the Ayushman Bharat Pradhan Mantri Jan Aragyo Yojana Scheme , only West Bengal Government and Delhi state refused to accept the Ayushman Scheme of Indian Government on the ground that they are not  agree to bear the 40% cost individual treatment..

On Wed, 25 Sep 2024, 02:23 MOHAN P, <moha...@gmail.com> wrote:

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[Siba Sethy]

Conditions for AB PMJAY Scheme for 70+ is separate from AB PMJAY for BPL beneficiaries.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAKeVBfptco-JhRLO0g0QaoyFWHfrVqC-EKVb%3DNs46Ke-26N-Pg%40mail.gmail.com.