MEDICLAIM PREMIUM READY RECKONER 2022-23 ,Category I, II & III,by RKSahni
DEAR ALL,
1)Please utilise the RR Statement profitably for premium amount.
After full finalisation,CO will issue instructions
Those who want to opt for higher OSA to Rs 75 lakhs & those who come under definition of independent children upto 45 yrs of age,,comply with Forms attached to CO Per Circular immediately to adhere to DEADLINE given, 25 March 2022 to reach respective OS PCell
2)Sad it is that 25 % rise in premium is there ,but we are pointing out to Top Mgt that for 1 concession NI demands from LIC,we must secure 2 concessions,like i)allow those who are outside the ambit of the FFP to be included,many for whom Spouses could not be included as per rules,now they want Spouses to be included,genuine as it is,ALLOW one more Option
ii)Some illnesses, or disability or infirmity need Modern day Special technological devices or appurtenances eg for Varicose veins & Cellulitis,to stop legs swelling, to stop oozing of white fluid or Sprinklers from some sides causing gripping pain, lots of White soft wool, over that tightly crepeband & if one leg slowly gets better,Pharygris Special measured Socks with varying pressure must be worn regularly,this costs Rs13,000 per leg measure.Further maximum it lasts about one year but cure is really a relief for the beleagured patient,more so at old age,to restore semblance of mobility,which is a dire need for Elders,Sr citizens & Super Sr Citizens.NI Innsce company must settle such requests & claims when supported by Doctors/Specialists recommendations that these modernday innovations must be accepted & approved as part of the FFP Scheme.
PLEASE secure such genuine & legitimate BENEFITS to aged pensioners,Elders like us with force & assertiveness during negotiations.It should be a 2way traffic,
ALWAYS, NEW INDIA iNSCE CO takes advantage,with SOLE AIM of garnering MAXIMUM PREMIUM
with MINIMUM BENEFITS to pensioners,which is a disgrace,as high premium eats into the miniscule pension a pensioner receives.FOUNDERS we are called but NO EMPATHY is demonstrated to pensioners.If need be ,NI can put restrictions to the extent of 10 % of Sum Assured so that some relief is given right royal,without being miserly.
Please go through our GS ,AIRIEF Sri GKrishnaswamy letter to Top Mgt of February 2022,followed up in March 2022,has asked for Increase sub sidy to double amount existing as it is STATIC for long,no pensioner can afford Rs 75 lacs even on paper.Many were content with Low coverage of Rs 20 lacs .Employees happily availed Rs 50 lacs then
Also the benefits for Dental,eye treatment,cost of Hearing aid etc must be accepted & showered on all.
Please go through the Ready Reckoner for your benefit & inform others too.
Greetings & warm regards,
RBKISHORE
PATRON,AIRIEF,ED(Retd),LIC
Life Member,Probus Club
044-2815 5810 & 098 4034 0591.
https://docs.google.com/spreadsheets/d/10-cUfjH9D40_t27kibboqPja3zBhn-p0/edit?usp=drivesdk&ouid=116293091010820917557&rtpof=true&sd=true
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