Organization : Kerala Union of Working Journalists (KUWJ)
Service Name : Kerala Pathrapravathaka Arogya Pariraksha Padhathi Health Scheme
Applicable For : All the members of the KUWJ and all the staff of the Press Clubs in Kerala
Applicable State: Kerala
Website : http://kuwj.org/health-scheme/
Kerala Pathrapravathaka Arogya Pariraksha Padhathi
The Scheme is implemented by the Kerala Union of Working Journalists (KUWJ) through the United India Insurance Co. Ltd.
Related : LSG Kerala Social Security/Welfare Pensions : www.statusin.in/8831.html
What does this policy cover?:
** If you or any of the insured persons are hospitalized, either due to sickness or any accident, we will reimburse you the expenses incurred up to the sum insured as per the terms and conditions of the Policy. We do not cover any out patient treatment, except in certain specific cases.
** You are also requested to go through the definition of the Hospital/Nursing Home to understand what we mean by the term. The Policy also covers the Journalist for a sum insured of 2.5 lakhs for compensation against accidental death.
Who is eligible to get enrolled in the scheme?:
All the members of the KUWJ and all the staff of the Press Clubs in Kerala.
What are the benefits that are available under the scheme?:
All the members (up to the age 60) are covered against personal accident for a sum of Rs. 2,50,000 and the member and his family of not more than five (including parents up to 75 years of age) against medical insurance for an insured sum of Rs. 65,000. The sum insured under medical reimbursement shall float among the six members of the family for a period of three years.
Who will pay the premium?:
The scheme is being implemented with effect from April 1, 1999 with a government grant of Rs. 10 lakh and KUWJ’s contribution of Rs. Three lakh. The KUWJ will collect Rs. 750 from each member of the scheme at the rate of Rs. 250 per year during the three years. The amount so called will be to extend the scheme at the expiry of the third year. The same system will be followed to ensure continuity of the scheme.
How to Apply?:
On the proposal form available with the Press Clubs affiliated to the KUWJ.
What is special about this scheme.?:
The reimbursement limit is available for a family of 6 members by one or several incidents and persons. This provides wider cover at a lower cost to you.
What is the period of cover?:
The period of cover is 3 years
How does one make a claim?:
On the claim form available from any of the Press Clubs affiliated to KUWJ and its registered office at Kesari Memorial building in Thiruvanathapuram.
Can one submit the claim form at any of the insurance company’s offices?:
No. The claim form has to be submitted along with the documents narrated in question 15 of this write-up to the secretary of the concerned Press Club in which the claimant is a member.
Who receives the claim cheque?:
The UII will send the claim cheque to KUWJ which, in turn, will give it to the claimant.
Do I have to produce a medical certificate for taking the policy?:
Normally, No. But if you have any adverse medical history in your answers to question no. 12 & 13 in the proposal form, then you have to submit a medical certificate in the form given in the proposal form. If there is gap in the renewal also you might have to submit Medical Certificate. Further, if you want to cover persons above 75 years of age, then also we may need a medical certificate.