J&K govt’s cashless Mediclaim policy is turning out to be a scam!

J&K govt’s cashless Mediclaim policy is turning out to be a scam!

Jammu and Kashmir News

Srinagar, May 3:  Employees of the State Government get their salaries deducted in order to avail cashless Mediclaim policies but feel cheated when they are charged 100% bills in Private Hospitals. They are trapped between Insurance Companies and the Government. After getting treatment in Private Hospitals of twin capitals of state, many of the employees were threatened of serious consequences for refusing to pay bills. At least four employees of two different government departments of Srinagar and Jammu cities who had to undergo surgeries in two Private Hospitals which are empanelled under the Scheme recently said that they were asked to pay 100% Bills and were refused any sort of benefits under much chanted cashless Mediclaim policy of state government.

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Protesting to a question of denying facilities to government employees under the Cashless Mediclaim Policy, the General Manager of SDDM Hospital of Channi Himmat, Jammu told a local daily that they work as per guidelines issued to them by ICICI insurance company and does nothing contrary to the rules given to them. Pertinently the contract was given to ICICI insurance company and employees refused benefits under Cashless Mediclaim Policy said state administration seems trapped by ICICI Lombard General Insurance Company Ltd on the pretext of providing them medical facilities under Group Mediclaim Insurance Policy of ICICI-Lombard.

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The policy was firstly implemented for Gazetted employees in 2014 with the condition that Non-Gazetted employees can opt for the policy any time during the policy period and later it was implemented for Non-Gazetted employees as well. Jammu and Kashmir has around 5.5 Lakh employees and when it comes to deducting the premium from their salaries it is scheduled from April, 2016 but when it comes to avail the services from the specified hospitals it seems impossible.
According to Policy, only the employees who possess specified cards can avail benefits of Cashless Mediclaim Policy from empanelled Hospitals and as per the employees they are yet to receive any cards. The Policy guidelines read that beneficiary (Employee) can avail cashless Hospitalization in a network of Hospitals empanelled under the scheme subject to terms and conditions.

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However employees said that many Hospitals empanelled under the Scheme are of low standard and hence they refrain from getting treated there.

President of the Employees Joint Action Committee (EJAC) Abdul Qayoom Wani said that employees are being looted in the name of so-called cashless Mediclaim policies of the government as they receive nothing in return for the money that is deducted from their salaries.

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