Tuesday, October 8, 2013
ACCEPT OR NOT?
As you all know IBA has proposed a Health Insurance Scheme in lieu of present system of Reimbursement of Hospitalisation expenses.
We are at a stage whether to accept the proposal or not /accept with some safeguards/improvements.
Both the systems have their own merits and demerits.
In the present system, employee has to incur expenditure and then get reimbursement.
Employee has to admit himself in a Bank approved hospital, otherwise his will not be reimbursed.
Ceiling for each and every item, like bed charges, operations charges, clinical test charges et.,
Maternity expenses not reimbursed in case of normal delivery (allowed in case of caesarian) and so on.
In case of Insurance scheme, pre-existing deceases not reimbursed.
Certain expenditure not allowed in first year.
Total amount restricted to policy amount. (Different for Officer, clerk and Sub staff)
In the Present system Officers or reimbursed 125% of award staff(clerk sub staff) rate( except bed charges) , where as in the proposed scheme there are three different policy amounts . More for Officers less for sub staff.
As you all know hospitals are not charging less for clerks and sub staff and more for officers.
In this situation employees/unions have to decide which way to go?
Whether to accept new proposal or not?
Or to accept the new proposal with necessary improvements?
I appeal all of you, irrespective of cadre, to express your views/ suggestions short and sharp.
If you want a to suggest in detail please send it to my e-mail address firstname.lastname@example.org
I will again publish your suggestions collectively.