Re: bankpensioner Mediclaim Uco bank

[Vij Parveen]

In my opinion. current Insurance Scheme as per 10th wage revision and joint note 25.05.15  may be a big scam of hundred of crores . because bankers were already covered under  Insurance schemes covered upto 2.00 lac and they had already paid the premiums upto March 2016.

Every Retired banker had to pay Rs 4200+7483=10683 for 2015-2016 as per Bank circular.

It is right that present insurance will cover upto Rs 4.00 lac. but IBA/Govt has compelled Bankers to pay premium immediately .

Eight months have already been lapsed. An amt of Rs 7483 will be upto March 2016.    On 31st of March 2016  premium will again be due for 2016-17 and would have to be compulsorily  paid.

In this way a huge collection has been collected by Insurance Companies.

Members would not be able to claim higher amount in case of need .because no Insurance Company / TPA company has no man power to issue can Identity Cards to more than 10 lac working and 3 lac Retired Bankers within November 2016.

Is it not a big scam in which Govt is also involved and playing a big role in favour of Insurance Companies. They have not collected premium on pro -rata basis.

Members views are invited.

Regards
Parveen Vij
Ex- UCO BANK
Chandigarh Zone.
Mobile 9217779864

On 26-Oct-2015 9:09 am, "'Jayakrishnan T.V.' via bankpensioner" <bankpe...@googlegroups.com> wrote:

Shri Roshan Lal

SBI has not yet issued Group Medical Insurance circular.   It is expected anytime.

Regards

Jayakrishnan T.V.

On Saturday, 24 October 2015 5:15 PM, Roshan lal <rl14...@gmail.com> wrote:

Respected sir,

Any body tell me about circular of SBI regarding Group medical insurance scheme as per 10th BPS

With regards 

Roshan  Lal

Resgnee 30th June 2014

On Wed, Oct 21, 2015 at 11:02 PM, Mohan Charagi <mkch...@rediffmail.com> wrote:

You have to apply as per new Mediclaim
policy other wise you will be de bared in near future

Sent from RediffmailNG on Android

From: "L S RAMAN"raman...@gmail.com
Sent:Wed, 21 Oct 2015 10:12:11 +0530
To: bankpe...@googlegroups.com
Subject: Re: bankpensioner Mrdiclaim Uco bank

Y
> The exiting policy would continue ss  a separste cover  and there would be no  adjustmemt of premium.
> DR RAMAN.L.S
>

On 20 Oct 2015 20:57, "Kamal Sharma" <sharmak...@gmail.com> wrote:

What about optees of vrs 2001 of uco bank who have already opted mediclaim policy which was launched in 2011 for vrs optees for Rs.200000/- by contributing Rs. 4200/- from united india insurance co. Do we would br converted under this new mediclaim scheme automatically on expiry of past medical scheme in april 2016. Ucobank circular is silent on this.
>

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[PM]

Dear Mr.Vij Praveen,

                                                          First of all it is to be understood that Employees premium on new Medi Claim Insurance Scheme is borne by banks. We retirees need not think much about it since we have to pay the premium by ourselves.

                                                        In case of retirees it is to be noted that all bank retirees are not covered under any insurance schemes of banks.Especially VRS optees and others are not enjoying any benefit of receipt of medical allowances yearly or reimbursement of medical expenses even in banks where such schemes are available.Exceptions are there.

1.The newly introduced Group Medi Claim Insurance Scheme is as per 10^th BPS/JN agreed between serving employees unions and IBA and is in lieu of existing health insurance scheme.(whether t is a big scam or small etc is not the relevant point here)

2.Joining under the scheme is optional and  IBA/Govt.have  never compelled any retiree and only on submission of consent letter,as well as on payment of premium any retiree can become member under the scheme.

 3 The policy will be issued in the name of Indian Banks Association, Member Banks,and  will commence on a uniform date for all the member banks to ensure they get the benefit of the large number of officers / employees/retirees. IBA instructed member banks to make the scheme operational by 1.11.2015.

3. All the officers / employees /retirees would be issued ID cards by the third Party Administrator, of the Insurance Company ie. United India Insurance Co. Ltd.Also note that employees are already having

such schemes  in banks and the process is not a new one but it becomes uniform now.

Online downloading process of E cards etc is already in force and need not worry much about manpower shortage in TPAs etc.

4.The Third Party Administrator, would have a Dedicated Office, Server and a 24 X 7 Call Centre for the Member Banks of the Indian Banks‟ Association for claim settlement. 

                         In fact the new scheme which is implemented to employees and extended to all retirees is beneficial to a large number of retirees especially those who have not covered under any bank’s scheme so far even if premium has to be  paid  from their pockets.

                                   You have freedom to join under the scheme or not and option can be given only once.

 

 

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[nooka raju]

That is why in dena bank new medical scheme will be implemented only after 31.3.2016 

[Jayakrishnan T.V.]

Dear Friends

Some bank pensioners are writing some points against the newly introduced insurance scheme as per 10th BPS.  As clearly pointed out by Shri P. Mohan it is only optional.    But I request you to go to insurance company and ask quotation for the same type of insurance.  Your age and pre existing deceases will make you ineligible for many of us if not for all. Assuming that that proposal is accepted, you will find their rates are at least 300 % more. If any pre existing decease is there, it will be accepted with a top up premium (subject to company's willingness) with a further condition that for pre existing deceases no claim will be paid for the next 4 years.  

When ever a welfare scheme is introduced, there will be some issues which may be disadvantages to some.    But we have to see the over all benefit.  Only a person who is having a urgent need of such a facility will come to know the cost effectiveness of the scheme. No pre medical check up, no bar on age and renewal without any age limit are definitely  advantages.

I am not advocating any one to join or not to join the scheme.   At this age, you will be in a position to understand the implications.   

Regards

Jayakrishnan T.V.

---

From: PM <moha...@gmail.com>
To: bankpensioner <bankpe...@googlegroups.com>
Sent: Sunday, 8 November 2015 2:40 PM
Subject: Re: bankpensioner Mediclaim Uco bank

[Yogendra kumar Gupta]

Dear

I think you are commenting upon the scheme without studying much.

The premium is compulsory to be paid by employees/ officers. It is not
voluntary.

Secondly the cards are not in process till date. IT will take one
month to complete minimum.

Pl. ensure yourself to comment upon.

Y.K.Gupta

>> bankpe...@googlegroups.com <javascript:>> wrote:
>>
>> Shri Roshan Lal
>>
>> SBI has not yet issued Group Medical Insurance circular. It is expected
>>
>> anytime.
>>
>> Regards
>>
>> Jayakrishnan T.V.
>>
>>
>>
>> On Saturday, 24 October 2015 5:15 PM, Roshan lal <rl14...@gmail.com

>> <javascript:>> wrote:
>>
>>
>> Respected sir,
>> Any body tell me about circular of SBI regarding Group medical insurance
>> scheme as per 10th BPS
>>
>> With regards
>> Roshan Lal
>> Resgnee 30th June 2014
>>
>> On Wed, Oct 21, 2015 at 11:02 PM, Mohan Charagi <mkch...@rediffmail.com
>> <javascript:>> wrote:
>>
>> You have to apply as per new Mediclaim
>> policy other wise you will be de bared in near future
>>
>> Sent from RediffmailNG on Android
>>

>> From: "L S RAMAN"raman...@gmail.com <javascript:>
>> Sent:Wed, 21 Oct 2015 10:12:11 +0530
>> To: bankpe...@googlegroups.com <javascript:>
>> Subject: Re: bankpensioner Mrdiclaim Uco bank
>>
>> Y
>> > The exiting policy would continue ss a separste cover and there would
>> >
>> be no adjustmemt of premium.
>> > DR RAMAN.L.S
>> >
>> On 20 Oct 2015 20:57, "Kamal Sharma" <sharmak...@gmail.com> wrote:
>>
>> What about optees of vrs 2001 of uco bank who have already opted mediclaim
>>
>> policy which was launched in 2011 for vrs optees for Rs.200000/- by
>> contributing Rs. 4200/- from united india insurance co. Do we would br
>> converted under this new mediclaim scheme automatically on expiry of past
>>
>> medical scheme in april 2016. Ucobank circular is silent on this.
>> >
>> --
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>> Groups "bankpensioner" group.
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>> an email to bankpensione...@googlegroups.com.
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[Vij Parveen]

Thanks PM Sir.

[nooka raju]

I am fully agree with you MrJayakrishnan.believed it or not this is gift for retirees

[Sankara Subramanian]

I am in total agreement with Mr.Jayakrishanan. It is the best thing that has happened to retirees in recent times. Thanks UFBU and IBA.

NSS

[bhaskara sarma]

In any group insurance scheme we are not only helping ourselves but also taking care of the entire community.We should feel happy about participating in the scheme.

P B Sarma.