17 Nov Articles
Group Medical Health Insurance Scheme for BSNL Employees
The need for a Group Medical Health Insurance for BSNL Employees is a serious concern which was raised by this association when financial crisis started effecting the medical reimbursement of employees badly and is pending for time long. There is also an imminent need to create a separate PRMB trust and fund manager for post retirement medical expenses pertaining to BSNL recruited employees as they will not be having the CGHS option for the medical reimbursement after retirement. For the working employees of BSNL suggested that if BSNL is not able to disburse medical claims on regular basis, it should engage, some external responsible government owned insurance company providing Group Mediclaim Facilities. This scheme if implemented will result in huge savings in terms of reduced predictable and budgeted expenditure on Medical Coverage & other resources expenditure for BSNL. The morale of the employees will boost up and there by contributing to increased productivity.
As far as the scheme for group insurance in force for employees of BSNL is a Group Term Insurance (GTI) and that too offered by LIC which is not a Group Health Insurance. Thus it is felt that management is either confused or misguided on any such scheme in force initiated from BSNL side. We out rightly rejected about continuance of some privately placed insurance scheme which is already under scanner and details are yet to be known. It may also be noted that neither the insurance policy document or details available in public domain nor the tax benefits/ receipts are given to beneficiaries of such scheme which itself cast doubts about its transparency.
Being the recognised representative executive association in BSNL, AIGETOA Kerala conveyed its open support to a Group Medical Health Insurance scheme under the banner of the employer ie BSNL through negotiation with Major Government owned insurance companies. Our association hope to have deliberations as deemed fit and is ready to provide the road map in this regard for the benefit of employees and shared some matters that need to be considered.