MEDISEP Health Insurance Policy for Government Employees in Kerala


5 min read

Updated on Jan 22, 2024

A new and exclusive health insurance benefit to Govt. employees and pensioners in Kerala

In its fervent attempt to ensure that every individual in every part of India is bestowed with the benefit of health insurance, the government has launched an exclusive mediclaim scheme for public sector employees in Kerala. Launched via the Kerala state government, the scheme is known by the name MEDISEP and covers both government employees and pensioners in Kerala. Under the MEDISEP program, the beneficiaries are entitled to receive cashless treatment at medical facilities in case of an emergency. Let us know all about this scheme in the blog below.

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What Does MEDISEP Stand For?

MEDISEP is the acronym for Medical Insurance for State Employees and Pensioners. The scheme was enforced in the state of Kerala on January 1, 2022, and has been serving its beneficiaries since. All state workers, including those who have retired from government service, are encouraged to participate in the mediclaim program. Those individuals who are not enlisted in the policy or have not provided details of their respective beneficiaries (family members) are also allowed under the scheme to make appropriate amendments. This is done to ensure that every person in the state is covered under the MEDISEP health insurance scheme.

How Does MEDISEP Work?

The MEDISEP health insurance scheme provides cashless medical treatment to all state employees and pensioners. A monthly amount of Rs. 500 is deducted from the beneficiaries’ income towards the payment of the annual insurance premium of Rs. 6,000 for the policy.

MEDISEP is a comprehensive health insurance scheme for all employees serving the Kerala state government. These include employees serving the High Court of Kerala as well as pensioners of the state government. The families of all these beneficiaries, which includes their spouses and kids less than 25 years old, are also eligible to receive benefits under the scheme. Any family member who is physically or mentally disabled is also allowed benefits under the program.

The insurance term under the MEDISEP Kerala policy is for a total duration of 3 years.

How to Apply for MEDISEP?

If you’re a state employee or pensioner with the Kerala government, you’re entitled to be covered under the MEDISEP health insurance scheme. It is fairly easy to apply for the program from the comfort of your home using online services. Here is the exact step-by-step procedure to apply for the MEDISEP health insurance scheme online:

  1. Login to the MEDISEP portal –
  2. Click on the link to register.
  3. You will be asked to fill out some details such as your birth date and PAN. Click on continue after duly filling in.
  4. Enter your registered mobile number. You will receive an OPT on this number.
  5. Enter the OTP and then click on ‘Login’.
  6. Once you are logged in, you can review and edit your account details. Once done, click on ‘Save’.
  7. Accept all changes made and submit the form for application.

How to Check Your MEDISEP Status Online?

Once you apply for the scheme and are accepted as a beneficiary, you can perform a MEDISEP status check online from time to time. Here’s how:

  • Go to the official page of the MEDISEP Kerala portal.
  • On the home page, click on the Status option displayed on the menu bar.
  • A new window will open. Select the Employee or Pensioner category there.
  • You will now need to enter your employee ID and Date of Birth.
  • Click on search.
  • Your MEDISEP status will be displayed on the screen.

Procedure for MEDISEP ID Card Download

To receive the cashless treatment benefit under the MEDISEP health insurance scheme, you must obtain a MEDISEP card. This can easily be downloaded online and must be preserved safely as it serves as the beneficiary’s ID card to avail of the benefits under the scheme. The MEDISEP card download procedure can be done on the official website of MEDISEP Kerala using the beneficiary’s MEDISEP login credentials. Once downloaded, the MEDISEP ID card will be generated.

MEDISEP Hospital List for Cashless Mediclaim Benefit

MEDISEP offers its beneficiaries the advantage of availing cashless medical treatment at any network hospital that has a tie-up with the scheme. These network hospitals are available in every district of Kerala to provide beneficiaries with the maximum benefit and convenience.

Following are some of the MEDISEP hospitals covered under the plan:

  • Carecraft Hospital, Alappuzha
  • Apollo Adlux Hospital, Ernakulam
  • Holy Family Hospital, Idukki
  • Aster MIMS, Kannur
  • Kumbalam Corporative Hospital, Kasaragod
  • B R Hospital, Kollam
  • Fathima Hospital, Kozhikode
  • Little Lourdes Mission Hospital, Kottayam
  • Bava Memorial Hospital, Malappuram
  • Avitis Hospital, Palakkad
  • Holy Cross Hospital, Adoor, Pathanamthitta
  • Amala Institute of Medical Sciences, Thrissur
  • Amar Maternity Hospital, Thiruvananthapuram

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Summing it Up
MEDISEP is an excellent benefit to the state employees and pensioners of the Kerala government, as a recognition of their service to the state government. It also ensures that every person in the state receives basic health insurance benefits. For more details on MEDISEP or to check out other affordable health insurance plans, visit PayBima.

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FAQs: MEDISEP Health Insurance Policy for Government Employees in Kerala

What is the maximum claim amount for MEDISEP?

MEDISEP offers comprehensive health insurance coverage of up to Rs. 3 lakhs every 

Is MEDISEP mandatory in Kerala?

Yes, the Kerala state government ensures that all employees and pensioners of the state join the scheme. Only the Civil Service officials serving the Kerala government are given the option to join the scheme. For all other state employees, joining the program is mandatory. 

How much medical allowance is permissible for pensioners in Kerala?

Pensioners in the Kerala government are entitled to a monthly medical allowance of Rs. 300 per month.  

What is the benefit of the Kerala government health card?

The card provides insurance coverage for up to 3 days of pre-hospitalisation treatment and 15 days of expenses incurred after hospitalisation (post-discharge). This includes costs incurred on medication, diagnostic tests, and the like. Coverage for all pre-existing conditions is provided under the scheme from day 1 of the plan. The scheme imposes no restrictions on the age, gender, or size of the family of the beneficiaries. 

Is delivery included in MEDISEP?

Most network hospitals covered under the scheme do not provide insurance coverage for childbirth or delivery. 

Is there a reimbursement facility in MEDISEP?

Yes, there are approximately 1,920 procedures and services covered under MEDISEP benefits.

What is the validity of the health card in Kerala?

The card is valid only for a year.

What is the basic benefit package of MEDISEP?

The scheme provides cashless treatment benefits via an insurance provider and empanelled hospital network. The basic package covers surgical, medical, and daycare treatment up to a total sum of Rs. 2 lakhs per annum

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Apr 19, 2023
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