IBA MEDICLAIM POLICY VS. AICBRF (AIBRF) MEDICLAIM POLICY.

[Soumitra Mukherjee]

Respected friends,

This post is primarily for the benefit of all Canbank Retirees irrespective of union affiliation or membership. Canbank Circular, AICBRF Circular and a Comparison of both the schemes are attached herewith.

Other Bank Retirees interested in such AICBRF Policy may please visit the website www.aicbrf.in and avail the respective e-mail or phone no. for any other clarifications.

Any further developments or updates in this regard will be posted here.

Thankful regards.

SOUMITRA MUKHERJEE,

CANBANK RETIREE, KOLKATA.

[parthasarathy ramanujam]

Sir,

How to apply for this policy?.

Regards,

R.Parthasarathy

8056154916

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[Anantharaman Tg]

Let me share my view on the alternative Medical

Insurance Scheme.

Last year I took the opportunity to avail such alternative

scheme arranged by the Association when I decided not

to pay the increasing IBA's scheme.  I thought that

I could manage when I needed to pay only Rs.24780

instead of very high premium for the other one. 

But this year, they have also increased the renewal premium

to Rs.46137.  Reason given is the instructions of Govt, to have a structured

calculations by the insurance companies to be complied with.

I am not discouraging anyone, but the facts have to be

known by all. Another member had already highlighted this

in this blog a few days ago.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAJPLbQ14fkDDUUO%2BCWkFZhUqJiiwRZVs6AbHjX%2B6%2B5gvPDcMCg%40mail.gmail.com.

[Soumitra Mukherjee]

Respected sir,

For all Canbank Retirees, AICBRF will arrange ONLINE SUBMISSION OF APPLICATION (KYC DOCUMENTS WILL BE REQUIRED FOR NEW APPLICANTS) AND PAYMENT. Detailed Circular will be available at www.aicbrf.in and also will be updated here. Please get in touch with any of your known AICBRF (AIBRF) members at your city/centre for more details.

Thankful regards.

SOUMITRA MUKHERJEE.

CANBANK RETIREE, KOLKATA.

To view this discussion on the web visit https://groups.google.com/d/msgid/bankpensioner/CAJPLbQ14fkDDUUO%2BCWkFZhUqJiiwRZVs6AbHjX%2B6%2B5gvPDcMCg%40mail.gmail.com.

[Rajamani Srinivasan]

Dear Mr Soumitra Mukherjee, 

I have seen your mail dated 11.10.2022. 

Your second mail has an attachment letter from KMD.  In the 2nd page of KMD's letter it is indicated as:

Other Hospital Expenses:

"Proportionate deduction applicable for higher room rent on all hospitalization expenses expect Medicines & Investigations in case of higher room rent is opted"

But in the Q & A Sl.1., they have very ingeniously created an impression that the Proportionate charges are not applicable.   The Q & A portion is reproduced:

"Srl No. QUERIES & CONCERNS RAISED BY AICBRF, CHENNAI 

RESPONSE RECEIVED FROM M/s KMDRBPL
01
Whether concept of “Proportionate deduction” of other expenses applied, if the retiree opts for a room of higher
Bed Charges even where the Hospital does not charge extra on the basis of higher room rent?

ANS:

No. If it is cashless then the TPA will have the rate list to ascertain. However in cases of Reimbursement, the hospital has to certify along with the rate list ."

The question is based on a premise "where the Hospital does not charge extra on the basis of higher room rent?".  It is rare that we will find a hospital which does not charge extra on the basis of higher room rent.   In today's Corporate world, they suck the blood of the patient .  The  onus is on the claimant to prove.  So, in all cases where room rent is higher than the accepted amount under the policy, the Proportionate clause will kick in.

The question in Q & A has been framed in such a way that a cursory reader will fall prey to the gimmicks played by them. I know their answer  will be : No compulsion on any one. One can decide about joining this policy.  But poor retirees are taken for a ride by word jugglery.  

To substantiate let the persons who have claimed some amount from the insurer should come out with the facts regarding charging of Proportionate amount.  

By paying a lesser premium of around Rs.10,000/- or Rs.15,000/- we end up with a lesser claim settlement amount which will be akin to 15 to 20% co-pay.  

Nothing comes cheaper in this world.  There are hidden agenda everywhere and let the retirees understand this and take a considered view.    

Because of the very high premium, I am trying to wriggle out of the IBA Policy.  But the reality is, being aged we are in the totally neglected sector.  The IBA policy holders are in Catch 22 position.  Being aged our mind is also not co-operating to analyse the alternatives.  One has to make a decision, as his wisdom says.  

Regards, 

S Rajamani. 

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[Soumitra Mukherjee]

Respected friends,

Attached herewith please find latest AICBRF Circular Letter attaching KMDRBPL/NIAL Single Person Premium for proposed Mediclaim Policy for 2022-23.

Hearty Thankful Regards,

SOUMITRA MUKHERJEE,

CANBANK RETIREE, KOLKATA.

On Tue, Oct 11, 2022 at 9:36 AM Soumitra Mukherjee <soumi...@gmail.com> wrote:

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[Soumitra Mukherjee]

FULL AND FINAL AICBRF CIRCULAR ON NEW INDIA ASSURANCE MEDICLAIM JOINING/RENEWAL ATTACHED WITH THANKFUL REGARDS TO CANBANK RETIREES AND ALL..... SOUMITRA MUKHERJEE, CANBANK RETIREE, KOLKATA.

On Tue, Oct 11, 2022 at 9:36 AM Soumitra Mukherjee <soumi...@gmail.com> wrote:

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