LIC GROUP MEDICLAIM SCHEME GUIDE

LIC GROUP MEDICLAIM SCHEME GUIDE 


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Saturday, 11 October 2025

CONSOLIDATED GUIDELINES

CONSOLIDATED GUIDELINES FOR APPOINTMENT OF WHOLE-TIME
DIRECTORS IN PUBLIC SECTOR INSURANCE COMPANIES
सार्वजनिक क्षेत्र की बीमा कंपनियों में पूर्णकालिक निदेशकों की नियुक्ति के लिए समेकित दिशानिर्देश


धन्यवाद सहित सादर-Thanks and regards

विवेक सिंह -Vivek Singh
Secretary General-NFIFWI(LIC Development Officer Organisation)
Ex Member-Insurance Advisory Committee-IRDAI
Mob:+91 9415202088-7007273426-9170576175
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Friday, 10 October 2025

SC Order dated 09.10.2025 in our case

SC Order dated 09.10.2025 in our case  
Click below:-
https://drive.google.com/file/d/1vi9jKlcHzPEuRG5MGh-hj7CCP_jqfYed/view?usp=drivesdk


SC Order dated 09.10.2025 in our case




BREAKING:

BREAKING: Venezuelan leader of Opposition María Corina Machado wins Nobel Peace Prize..

Civil Appeal No. 3465/2024 before the Supreme Court,

    All India Insurance Pensioners Association 

Circular: Special.

New Delhi,

09.10.2025.

To all affiliated Units.

Dear Comrade,

Re: Civil Appeal No. 3465/2024 before the Supreme Court,

This is in continuation of the short note circulated yesterday.

Our case which was listed for hearing on 08/10/2025 was taken up in the post lunch session by the bench headed by Hon'ble Justices JK Maheswari and Vijay Bishnoi. After the Senior Counsel who opened the arguments on 18/09/2025 finished his submission our Senior Counsel Shri. Sanjay Hedge started his arguments and continued for the day. As the submission was incomplete the Court posted the matter to 9/10/2025 for further hearing. The Court started hearing our case around 11.00 am today, after dealing with miscellaneous matters.

Our Senior Counsel continued his arguments and cited two Judgments of the Supreme Court on the subject matter and how the discrimination exist regarding the upgradation of pension for LIC Employees when Central Government Employees are extended the benefit with each wage revision and RBI employees were given upgradation of pension. we would like to share the submission which our Advocate placed before the Bench in support of our case, point wise.

  • 1.
    LIC pension scheme like CCS (Pension) Rules does not have any provision for upgradation of pension. The Scheme framed on the basis of Central Civil Services Rules and introduced in 1995. When the scheme was introduced, there was no provision for upgradation even in the CCS Pension Rules.
  • 2.
    Section 56 of the Schemes makes it clear that in case of any ambiguity, the issue has to be resolved as per the CCS Rules.
  • 3.
    The Board Resolution decided to do away with varied forms of DA and end the discrimination in 11/2001 and recommended for uniform pattern which was sent to government and there was no response from the GOI.
  • 4.
    In interpreting Rule 55B and extending the benefit to one class of Pensioners is discriminatory on the ground that pension is paid from LIC pension fund at the rate allowed to Central Government employees (Chairman & MDs).
  • 5.
    That the pension fund is fully funded and as on 31.3.2024 the fund balance is Rs. 1,28,717 Crores and the fund can be only used for payment of pension and family pension.
  • 6.
    The cost of conceding pension updation to LIC pensioners can be absorbed by LIC, with growth of total premium income. It is historically proved that the cost of extending any new benefit is absorbed with the growth of premium income.
  • 7.
    Since the Scheme is a closed one, the liability of the Corporation also decreases with significant number of employees retiring each year.
  • 8.
    RBI is also fund managed and is controlled by Board and the resolution of RBI Board has been accepted by GOI while it not accepted for LIC.
  • 9.
    LIC's Continuous growth in business can absorb the additional cost as the wages and pension cost is coming down over the years and will further come down.

Today our advocate replied to certain clarifications sought by the court about the remission of our case by the Apex court to Delhi High Court and about the first order of the Rajasthan High Court. The Court put a specific question to our Counsel whether there was any response by Union of India for the Board Resolution to which the answer was No. Even LIC advocate could not assist the Court on this point as there was no reply from Union of India.

Shri Sanjay Hegde, our Senior Counsel, presented our casein a professional way and forcefully. His submissions were impressive. He also referred to Article 43 of the Constitution that guarantee a dignified life. He cited a number of case laws in support of our arguments.

After that, the Senior Advocate for Retired Class I officers presented his case and has made part submission. The court rose for the day at 12.15 pm posting the matter to 29/10/2025 for completion of arguments of rest of the petitioners. The next day LIC and GOI may submit their counter. It is expected that the matter will come to a successful end soon.

With greetings,

Comradely yours,

General Secretary.

Thursday, 9 October 2025

*Reporting on 9 th October 25 (Court No 4) proceedings on Fedn CA 3467 of 2024*

*Reporting on 9 th October 25 (Court No 4) proceedings on Fedn CA 3467 of 2024*

As scheduled,  the Court No 4 took up  the Misc matters today at 10.30 and closed at 10.50 am. Thereafter Sanjay Hegde of AIIPA resumed his arguments and concluded at 11.20am. Then our Sr Advocate, Barrister V.Ramakrishnan,  started his arguements and continued upto 12.15 PM , when the bench rose for the day .

Initiating  the arguements, our Sr Counsel started with formation of pension rules, its eligibility to employees, pension fixation, cost index neutralisation to protect real value of pension.  He explained various modes of neutralisations and its differential effects on Pensioners. While on this, he submitted pension rule book to the bench and started explaining how Govt erred in not approving the LIC's 2001 Board Resolution, wrong implementation of Rule 3, 3A(obsolete as per Govt clarification submitted to the bench), 3B causing various groups of Pensioners in each cadre. When he referred to the three HC judgements, SC judgement of 31.3.3016 and DHC judgement of 2017 etc, the bench wanted a complete book of all judgements, their arguements etc to be submitted by our AOR before 27.10.25 to resume next hearing on 29.10.2025,to which our counsel agreed.
 Initially it was complex to realise the spirit of arguments made,  but  our Counsel land on the solid ground of the demand of *Pension Upgradation* . on which he will resume arguements  on 29 th October'25  when the Court  resumes the hearing .
While concluding, we can hope for the best.
SK Awasthi,
Camp New Delhi
9 October 2025.

After conclusion of today's proceedings , team standing with Jr Counsel RK Singh and Mr AV Tyagi



After conclusion of today's proceedings , team standing with Jr Counsel RK Singh and Mr AV Tyagi
Left to Right 

Listed on 29.10.25 as First Item To Be Taken UP





*LIC Pensioners Case at SC Delhi.*

👆👆👆👆👆👆
 *𝕃𝕀ℂ ℙ𝕖𝕟𝕤𝕚𝕠𝕟𝕖𝕣𝕤 ℂ𝕒𝕤𝕖 𝕒𝕥 𝕊ℂ 𝔻𝕖𝕝𝕙𝕚.* 
👇👇
𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭 
𝐃𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭 𝐢𝐬 𝐭𝐡𝐚𝐭 𝐉𝐮𝐝𝐠𝐞 𝐰𝐢𝐥𝐥 𝐠𝐨 𝐛𝐲 𝐭𝐡𝐞 𝐚𝐫𝐠𝐮𝐦𝐞𝐧𝐭𝐬 𝐦𝐞𝐫𝐢𝐭𝐬 𝐨𝐟 𝐭𝐡𝐞 𝐂𝐚𝐬𝐞 𝐚𝐧𝐝 𝐋𝐞𝐠𝐚𝐥𝐥𝐲 𝐑𝐢𝐠𝐡𝐭 𝐨𝐫 𝐧𝐨𝐭.

⚖️⚖️⚖️⚖️⚖️
     *08 10 2025* 
 ⚖️⚖️⚖️⚖️⚖️



*LIC Pensioners Case at SC Delhi.* 
 
--
Today's
 Proceedings started in the afternoon and Mr. Nidesh Gupta ji has put forth his points excellently which is duly acknowledged by the judges. Next Mr. Hegde, Sr Advocate placed his arguments, and his arguments will continue tomorrow also, post which Sr. Advocates, including ours will place their points tomorrow.

 *𝙎𝙞𝙡𝙫𝙚𝙧 𝙡𝙞𝙣𝙞𝙣𝙜 𝙤𝙛 𝙩𝙝𝙚 𝙥𝙧𝙤𝙘𝙚𝙚𝙙𝙞𝙣𝙜𝙨 𝙤𝙛 𝙩𝙤𝙙𝙖𝙮 𝙞𝙨, 𝙗𝙚𝙛𝙤𝙧𝙚 𝙘𝙖𝙡𝙡𝙞𝙣𝙜 𝙞𝙩 𝙖 𝙙𝙖𝙮, 𝙈𝙧. 𝙈𝙖𝙝𝙚𝙨𝙬𝙖𝙧𝙞, 𝙩𝙝𝙚 𝙅𝙪𝙙𝙜𝙚 𝙘𝙖𝙩𝙚𝙜𝙤𝙧𝙞𝙘𝙖𝙡𝙡𝙮 𝙨𝙩𝙖𝙩𝙚𝙙 𝙩𝙝𝙖𝙩 𝙩𝙤 𝙩𝙝𝙚 𝙖𝙙𝙫𝙤𝙘𝙖𝙩𝙚 𝙜𝙚𝙣𝙚𝙧𝙖𝙡 𝙩𝙝𝙖𝙩, 𝙝𝙚 𝙬𝙤𝙪𝙡𝙙 𝙣𝙤𝙩 𝙡𝙞𝙨𝙩𝙚𝙣 𝙩𝙤 𝙖𝙣𝙮 𝙘𝙖𝙡𝙘𝙪𝙡𝙖𝙩𝙞𝙤𝙣𝙨, 𝙥𝙧𝙤𝙛𝙞𝙩/𝙡𝙤𝙨𝙨, 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙗𝙪𝙧𝙙𝙚𝙣 𝙚𝙩𝙘 𝙖𝙣𝙙 𝙩𝙝𝙖𝙩 𝙞𝙨 𝙣𝙤𝙩 𝙝𝙞𝙨 𝙟𝙤𝙗. 𝙃𝙚 𝙬𝙤𝙪𝙡𝙙 𝙙𝙚𝙘𝙞𝙙𝙚 𝙩𝙝𝙚 𝙘𝙖𝙨𝙚 𝙥𝙪𝙧𝙚𝙡𝙮 𝙤𝙣 𝙢𝙚𝙧𝙞𝙩𝙨 𝙤𝙛 𝙩𝙝𝙚 𝙖𝙧𝙜𝙪𝙢𝙚𝙣𝙩𝙨 𝙬𝙝𝙚𝙩𝙝𝙚𝙧 𝙡𝙚𝙜𝙖𝙡𝙡𝙮 𝙘𝙤𝙧𝙧𝙚𝙘𝙩 𝙤𝙧 𝙣𝙤𝙩*.


( Please wait for tomorrow's bulletin). 

 *_Sarvothamudu_* 🙏
From Supreme Court, 
Delhi Camp.

Wednesday, 8 October 2025

SC No. Order dated 08.10.2025

SC No. Order dated 08.10.2025

Our case in SC No.4 on 09.10.2025





Our case No. 121 will be taken up before cases 101 to 120 being left over case of 08.10.2025

Our case listed tomorrow at CL.No. 121






Our case in Court Room No. 4

Dear and Respected all.....

I trust many of you've followed the live streaming of our case in Court Room no.4.
The day srarted with Misc. Cases and by 11.15 am, as many as 18 cases were disposed and looked our case will be taken up by 11.30/11.45 am but  couple of misc cases took lot of time of the Bench, until the Court rose for lunch and the Bench wanted to hear a particular case (No 116) before our case in the post-lunch session, our Sr Counsel, Shri NG began his submission at around 2.40 pm and ended it by around 3.20 pm. He began with recap of his earlier submissions. Covered remaining part of his points and *wrapped up with a citation including one case adjudicated by the judge himself on a pension benefit and pensionary matter*

Thereafter Shri Sanjay Hegde, learned counsel representing AIIPA, began his submissions and continued till the Court rose for the day. He is almost at the end of his submissions and I need not comment.

Tomorrow  Counsels  for other Petitioners will also argue. 
Then respondents will start with their arguments.

-Ranjan Dey Sarkar 
General Secretary
Date :8th Oct.2025

*Re: Civil Appeal No.3465/2024 in Supreme Court.*

08.10.2025

Dear Comrades, 

*Re: Civil Appeal No.3465/2024 in Supreme Court.*

Our matter came up for hearing at 02.35 pm today before the bench headed by Hon'ble Justices JK Maheswari and Vijay Bishnoi. Senior Counsel who opened the arguments on 18th September concluded his submissions. 

Thereafter, our Senior Counsel, Shri. Sanjay Hegde presented our case forcefully. He pointed out that LIC Pension Rules are framed on the lines of Central Civil Service Pension Rules. For clarity or removal of ambiguity CCS Pension Rules are to be relied upon. Though there was no provision for updation of pension the same is granted to Central Civil Servants by means of OM issued by Govt of India, accepting recommendations of Pay Commission since 5th CPC. Likewise, updation of pension is granted to RBI employees and officers, though their pension scheme is also a funded scheme like of LIC. Denial of updation to LIC pensioners tantamounts to discrimination and is  violative of Article 14 of the Constitution. Case laws relevant to our submissions were placed before the Court. He also argued about the discrimination arising out of interpretation of Rule 55B of LIC Pension Rules. 

The question of uniform DA to all pensioners retired prior to 01.08.1997 was also argued making a pointed reference to the Board resolution of LIC and their  recommendation to the Government in this regard. Shri. Hegde's arguments are inconclusive and further hearing is scheduled for tomorrow (09.10.2025). 

Regards, 

M Kunhikrishnan, 
General Secretary, 
AIIPA.

Camp: New Delhi.

CLASSIC AIRIEF SILVER JUBILEE BROCHURE

CLASSIC AIRIEF SILVER JUBILEE BROCHURE AUTHORED BY RBKISHORE 22 PAGES GOLDEN STUFF OF PENSIONERS VOYAGE & YATRA.

R B KISHORE ,
PATRON AIRIEF 

Click below:- 

Our case listed on 09.10.2025






Kerala High Court: Writ Jurisdiction Can Be Invoked In Cases Where Denial Of Medical Insurance Or Claims Are Made In Arbitrary Manner



Kerala High Court: Writ Jurisdiction Can Be Invoked In Cases Where Denial Of Medical Insurance Or Claims Are Made In Arbitrary Manner


Kerala High Court: Writ Jurisdiction Can Be Invoked In Cases Where Denial Of Medical Insurance Or Claims Are Made In Arbitrary Manner

 Click below:-

AIR FORCE DAY

AIR FORCE DAY 

Tuesday, 7 October 2025

Kerala High Court Interim Order on GST dated 07.10.2025

The learned D.S.G.I appears for the 1st respondent. The learned Standing Counsel appearing for the respondents 3 and 4 shall get instructions. Post on 21.10.2025. In the meantime, the petitioners shall be permitted to renew the insurance policies for the current year, by making the actual premium without the GST amount. However, it is clarified that, this shall be subject to the further orders to be passed by this Court.

Sd/- ZIYAD RAHMAN A.A. JUDGE

Click below:-

https://drive.google.com/file/d/13ztzHQhd9Yd8ZL0ApCwLo6LxXuK7r1MR/view?usp=drivesdk



Monday, 6 October 2025

5G AMBULANCE

5G AMBULANCE With advance features. Pls view and share. Might be useful for someone in 

https://drive.google.com/file/d/1ObnerGv5yV1YFdNlHq8SZ-m8DIrYXMj5/view?usp=drivesdk


A Basic Savings Bank Deposit (BSBD) Account

A Basic Savings Bank Deposit (BSBD) Account is a zero-balance savings account mandated by the Reserve Bank of India to promote financial inclusion, offering core banking facilities without a minimum balance requirement and with certain services free of charge ���. Recent RBI proposals aim to standardize and expand BSBD features across all banks, adding broader free digital services and clearer customer protections ����.Key featuresNo minimum balance requirement; account functions as a regular savings account for basic needs ��.Free basic services, including cash deposit/withdrawal, receipt of transfers, debit/ATM card issuance, and passbook or statements, per RBI framework ��.At least four free withdrawals per month (including ATM and transfers) proposed to be ensured uniformly by banks in the latest draft guidance ���.Digital accessRBI draft proposes unlimited digital transactions (UPI, NEFT, RTGS, IMPS, PoS) without restriction for BSBD accounts to deepen digital inclusion ����.Internet and mobile banking access to be made available free, aligning BSBD with standard digital banking while retaining zero-balance status ���.Chequebook and cardFree ATM or ATM-cum-debit card; renewal/issuance to be without charges under the draft ���.Chequebook facility with at least 25 leaves annually proposed as part of the free basic bouquet ���.Deposits and withdrawalsNo cap on number or value of deposits per month proposed; unlimited deposits via cash, electronic channels, and CDMs/ATMs ���.Minimum four free withdrawals monthly; digital transactions not to be counted toward this withdrawal limit per draft ���.Eligibility and limitsOne BSBD account per customer across the banking system; banks must obtain a declaration to avoid duplicates ���.If opening a BSBD in the same bank where a savings account exists, the regular savings must be closed within stipulated timelines as proposed in the draft ��.Conversion and openingExisting savings accounts can be converted to BSBD on request, including via internet/mobile channels within about seven days as proposed ��.Accounts are subject to standard KYC/AML; simplified KYC variants are treated as "BSBDA-Small" with regulatory caps ��.BSBDA-Small (simplified KYC)Total credits capped at ₹1,00,000 per year; maximum balance not to exceed ₹50,000 at any time; additional restrictions apply per RBI FAQs ��.Customer cannot hold both a BSBDA-Small and another BSBD/BSBDA simultaneously; only one permitted ��.Implementation timelines and grievance redressDraft directions propose compliance by March 31, 2026, with enhanced disclosures and customer awareness by banks ���.Strengthened grievance redressal via Internal Ombudsman for banks and inclusion of rural cooperative banks under RBI Ombudsman Scheme proposed ��.Relation to PM Jan Dhan YojanaPMJDY accounts are categorized as BSBD; over 566 million such accounts with deposits exceeding ₹2.67 trillion as per recent reports ���.The upgrades aim to align PMJDY/BSBD usage with modern digital banking to further financial inclusion at scale ���.If needed, details on specific bank-wise BSBD features and charges beyond the mandated free services can be checked in each bank's customer service or product disclosure documents, noting that basic facilities must be free and additional services, if offered, must be on a non-discretionary, non-discriminatory basis with clear disclosures as per RBI framework and draft proposals ���.