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insurance.kerala.gov.in Apply for Group Insurance Scheme Kerala : State Insurance Department

Name of the Organization : Kerala State Insurance Department
Type of Facility : Apply for Group Insurance Scheme

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Kerala Group Insurance Scheme

Objective
The Kerala State Employees’ Group Insurance Scheme, is intended to provide for the State employees, at a low cost and on a wholly contributory and self-financing basis the twin benefits of an insurance cover to help their nominees in the event of death while in service and a lumpsum payment to augment their resource on retirement.

Related : Apply for Kerala State Life Insurance Scheme : www.statusin.in/568.html

The ‘Scheme’ shall apply to :
** all State Government employees appointed in accordance with the rules of recruitment,
** State Government employees borne on work-charged establishment on time scales of pay
** State Government employees borne on contingent establishment on time scales of pay,
** Full time teaching and non-teaching staff of private schools and colleges under direct payment scheme

The ‘Scheme’ shall not apply to
:
** persons in casual employment,
** persons subject to discharge from service on less than one month’s notice, and
** persons for whose appointment and other matters provisions are made by or under any law for the time being in force or in any contract in regard to matters covered by such law or such contract.

Group Insurance Scheme Membership

** Membership of the ‘scheme’ shall be optional for all those ‘employees’ who are in service as on 1st September 1984 and compulsory to those in service on or after 1st September 1984.
** Those ‘employees’ who are in service as on 1st September 1984 continue to subscribe or cease to subscribe to the Kerala State Employees’ Family Benefit Scheme with effect from 1st September 1984. Those who cease subscribe to Family Benefit Scheme should get themselves enrolled as members of the scheme with effect from the said date.
** All ‘employees’ who enter service in a month other than September ** after the ‘scheme’ has come into force

Recovery of subscription.
** The subscription of a member for a month shall fall due at the commencement of the normal working hours on the first day of the succeeding month.
** The subscription as a premium for the insurance cover on joining Government service shall initially fall due on the commencement of first day of the subsequent month.
** The subscription for a month shall be recovered by deduction from salary/wage of the member/employee for the preceding month, irrespective of the date of actual payment of the salary/wages.
** The subscription shall be recovered every month including the month in which the member/employee

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Procedure for Enrolment, Payment etc. :
** Enrolment of Self Drawing Officers viz, Gazetted Officers and those who draw pay and allowances
** Enrolment of members other than Self Drawing Officers- Instructions relating to the enrolment of members were issued in Government Circular No.71/84/Fin. Dated 8.10.1984. An employee who wishes to join the scheme should submit an application in Form GIS-A to the Head of the Office

FAQ On Kerala Group Insurance Scheme

Frequently Asked Questions (FAQ) Kerala Group Insurance Scheme

Q: What is the Kerala Group Insurance Scheme?
A: The Kerala Group Insurance Scheme is an insurance program implemented by the Government of Kerala in India. It provides life insurance coverage to government employees and other specified groups in the state.

Q: Who is eligible for the Kerala Group Insurance Scheme?
A: The scheme covers government employees, including permanent, temporary, and contingent employees of the state government of Kerala. It may also cover employees of government-aided educational institutions, local bodies, and other specified groups as determined by the government.

Q: What is the coverage provided under the Kerala Group Insurance Scheme?
A: The scheme provides life insurance coverage to the insured individuals. In the event of the insured’s death, the scheme pays a lump sum amount as a death benefit to the nominated beneficiary or legal heirs.

Q: How are premiums paid under the Kerala Group Insurance Scheme?
A: Premiums for the insurance coverage under the scheme are deducted from the salary of the insured employees on a monthly basis. The specific premium amount is determined based on the employee’s salary scale or grade.

Categories: Insurance/Finance

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