GMC POLICY 2020 21

RETIRED   LIC   CLASS   I   OFFICERS’   ASSOCIATION – CHENNAI    (Affiliated  to Federation of Retd. Class I Officers’  Associations)               President G.N. Sridharan (9841072951) Vice-Presidents M.Arunachalam (9840869758) P.A.Sivakumaran (9444079062) Secretary V.R.Krishnan (9840932943) Jt. Secretaries  S. Mythili (9840089067) M.D.Gunasekaran (9940311696) Treasurer T.S.Asok Kumar (9444440319) 19-05-2020 Friends, Greetings from Retd. LIC Class I Officers’ Association Chennai. Please stay home and stay safe. Sometime back we sent  a circular regarding the salient features of the Mediclaim,  issued by our Central office. The Master policy has been released and the same is enclosed as attachment, for your reference.  There are some improvements, may not be perceptible or appreciable. We furnish  below the differences between the Group Mediclaim Policy of 2019-20  and 2020-21 1. The provisional premium paid by the LIC employees, retirees, pensioners, family pensioners etc. for 2019-20  was Rs.376 crores whereas the provisional premium payable for the year 2020-21 is Rs.434 crores an increase of 15.4% (this includes the increase in premium of 11.74%) 2. Room,  Boarding expenses per day show an increase as below. ------- Class A cities for sum insured upto 30 lacs no change. Only 1.5% of S.I. subject to Max. of Rs.7500 per day.  For Sum Insured 40 lacs and 50 lacs,  room rent is increased from Rs. 9000 to Rs.10000. ------  Class B cities  increased from Rs.5000 to Rs.6000 per day         ------ Others - No change only Rs.4000. 3. In the classification of cities, (Refer Annexure A) certain cities are upgraded to class  A. Chandigarh, Mohali and Panchkula classified as Chandigarh Tricity as  Class A cities, Jaipur upgraded as Class  A city.     Bhubaneswar upgraded as B class city (But the twin city Cuttack is not upgraded).  Manimazra, classified as B class in last year, (being part of Chandigarh) merged with Chandigarh. No other change. 4. The Service Provider in International Second Medical Opinion is changed from Mediguide International LLC  Mediguide India Services India Private Ltd to MD India Health care Networks Private Ltd., 5. The TPAs of Northern Zone  and East Central Zone have been changed. Southern Zone TPA is the same, --- Vidal Health TPA Private Ltd., 6. Under the Heading ‘C’ Expenses relating to Diagnostic Tests without hospitalisation the fees reimbursable are increased for certain tests. We shall give the details when we deal with that subject. 7. In ‘D’ sublimit clause the reimbursement of Ambulance charges are subject to submission of proper bill only.  8. A new clause  No.11 is added to the sublimit clause providing reimbursement of hospitalisation expenses for Psychiatric and Psychosomatic disorder upto a sublimit of Rs. 50000 per member per year, only during the stay in the hospital.  The pre- hospitalisation expenses for 30 days, post hospitalisation expenses  upto 60 days as also the counselling/consultation charges are not payable. 9. Under ‘F’ exclusions, item No.X. regarding Sexually Transmitted Diseases etc. stands deleted. 10.             Under ‘G’  definitions, clause no.19, the monthly  income for the financially dependent person,  on the employee/retired employee is increased to Rs. 10530 from Rs.9810 Encl: GMC Policy 2020-21 ReplyForward