Tuesday, November 22, 2016

BOB clears reimbursement of domiciliary treatment for the year 1/11/2015-31/10/2016

Bank of Baroda has issued circular  (No.HO:BR:108:182)  on 19/11/2016  advising / agreeing reimbursement of domiciliary treatment expenses for the year 1/11/2015 to 31/10/2016.

The credit for the issue is absolutely to Shri. S Ramchandran, Former GM of BOB,  who roped in DFS to force bank to consider the issue.

Click here to view circular by Bank of Baroda

Saturday, November 5, 2016

Submission of Life Certificate by bank pensioners / family pensioners

Bank pensioners / family pensioners are required to submit life certificates in the month of November every year. As a precondition for payment of pension to the eligible staff pensioners and family members of retired expired staff (including pre 01.01.1986 retirees / spouses who are receiving ex gratia payment ) are required to submit life  certificate and remarriage / employment certificate, which needs to be authenticated by the concerned bank branch where pension payment is made. In case the life certificate is not submitted bank can stop pension payment till the submission of life certificate. 
   In some banks, mere presence of Pensioner before bank official of pension drawing /other branch is enough to certify/record  his/her existence and such banks  are giving Acknowledgement of life  certificate to respective pensioners.In few other Banks, pensioner has to sign on Life certificate to prove their very existence. 
   Some of the banks have issued circular regarding digital life certificate. Digital Life Certificate submission involves biometric authentication by the pensioner from remote point and creation of life certificate maintained in digital repository .  Govt of India has launched Jeevan Pramman portal for life certificate in digital format. Adhar card number of the pensioner is prerequisite  for digital life certificate.

Tuesday, October 18, 2016

Clarifications on Domicilary Cover by United India Insurance Company

The United India Insurance Company has clarified that "The Domiciliary Cover of Rs.40000 or Rs.30000 reimbursement is within overall sum insured. The retiree / claimant has to use the same within the overall sum insured he is entitled for. With Domiciliary Expenses and Hospitalisation claim the sum insured should not exceed Rs.40000 and Rs. 30000 respectively."
The insurance company has sent the list of 59 ailments covered under domiciliary treatment, which is given below. 

 Domiciliary Hospitalization / Domiciliary Treatment
No.  Treatments
1  Cancer
2  Leukemia
3  Thalassemia
4  Tuberculosis
5  Paralysis
6  Cardiac Ailments
7  Pleurisy
8  Leprosy
9  Kidney Ailment
10 All Seizure disorders
11  Parkinson’s diseases
12  Psychiatric disorder including schizophrenia and psychotherapy
13  Diabetes and its complications
14  Hypertension
15  Hepatitis –B
16  Hepatitis - C
17  Hemophilia
18  Myasthenia gravis
19  Wilson’s disease
20  Ulcerative Colitis
21  Epidermolysis bullosa
22  Venous Thrombosis(not caused by smoking) Aplastic Anaemia
23  Psoriasis
24  Third Degree burns
25  Arthritis
26  Hypothyroidism
27  Hyperthyroidism expenses incurred on radiotherapy and chemotherapy in the treatment of cancer and leukemia
28  Glaucoma
29  Tumor
30  Diptheria
31  Malaria
32  Non-Alcoholic Cirrhosis of Liver
33  Purpura
34  Typhoid
35  Accidents of Serious Nature
36  Cerebral Palsy
37  Polio
38  All Strokes Leading to Paralysis
39  Haemorrhages caused by accidents
40  All animal/reptile/insect bite or sting
41  Chronic pancreatitis
42  Immuno suppressants
43  Multiple sclerosis / motorneuron disease
44  Status asthamaticus
45  Sequalea of meningitis
46  Osteoporosis
47  Muscular dystrophies
48  Sleep apnea syndrome(not related to obesity)
49  Any organ related (chronic) condition
50  Sickle cell disease
51  Systemic lupus erythematous (SLE)
52  Any connective tissue disorder
53  Varicose veins
54  Thrombo embolism venous thrombosis/venous thrombo embolism (VTE)]
55  Growth disorders
56  Graves’ disease
57  Chronic Pulmonary Disease
58  Chronic Bronchitis
59  Physiotherapy and swine flu shall be considered for reimbursement under domiciliary treatment.

Source: Circular by Bank of India

Saturday, October 15, 2016

Clarification on procedure to be followed for lodging claims under domiciliary as given by United India Insurance Co Ltd

We reproduce below the circular issued by AIBRF on the above subject.
               Our query
       UIIC clarification
Modalities of domiciliary expenses .
What will be the modalities of reimbursing the claim under domiciliary expenses to retirees ?
It can be send to TPA directly or to the nearest Bank office from where it has to be forwarded to zonal office enabling the TPA officer to collect it.
Format for claiming domiciliary  expenses.
Whether you have introduced any prescribed format for claiming domiciliary expenses for retirees ? If yes, please provide us a copy of the same.
 Same claim form as being  used for hospitalization. Please advise the retiree to write on the top "For domiciliary treatment".
Nature of expenses admissible.
Please clarify what type/nature of expenses are covered for the treatment of identified 59 ailments.
 Same as applicable to employee policy.
Extension of domiciliary treatment to such retirees, who are not the member at present.
Since the  UIICL has introduced option for domiciliary expenses  now, whether such retirees who have not become member of the Scheme so far,  can join the Medical Insurance Scheme now ?
 Only present retirees who are covered in the current policy are allowed to join the renewal policy.
Switching over from domiciliary expenses benefit to normal renewal (without domiciliary cover) or vice versa.
Please clarify whether a  retiree who opts for domiciliary expenses benefit (Option II) now, be allowed  to  switch over to normal renewal next  year or Vice-versa
The final decision would be taken at the time of renewal.

Source: AIBRF Website

Tuesday, October 11, 2016

Renewal of Medical Policy for retirees - new premium rates

United India Insurance Company has announced the premium rates for renewal of retirees policy for the year 2016-17 as under with two options.

Source - Andhra Bank Website - Retirees Corner
Click here to view circular by Andhra Bank