LTC by Business class (withdrawal of limits), GoI OM Dt 3.6.3009

Leave Travel Concession Scheme in Business Class

LTC- Executive

Air India introduces the Leave Travel Concession scheme in Business Class for travel on the Domestic network on the lines of LTC-80 fares offered in Economy Class. The details of the Leave Travel Concession Scheme (LTC-EXECUTIVE) offered in Business Class are as under: - Application : All types of journeys in Business Class on Domestic Sectors. Period of Application : Effective 7th June, 2009 till further notice. Eligibility : All Employees of the State, Central Government, Public Sector Undertakings or Educational institutions recognized/aided by Centre, State Government and or affiliated to any of the University / Educational Boards and their family members traveling on leave and availing LTC facility. Child & Infant Fares : Not Permitted. Sales : Restricted within India. Ticketing : On confirmed basis only from Air India booking offices and approved travel agents. Passengers are required to present the Employee identity card at the time of issuance of the tickets for verification and necessary endorsement on the tickets. Validity : Tickets are Non-Endorsable, Non-Reroutable and valid for travel on Air India only. Passengers are required to carry the Employee Identity Card while traveling. Cancellation/Refund : Tickets booked under LTC Scheme are refundable. However Refund Fee of Rs. 100 per ticket will apply if cancelled at least 1hour prior to departure. Tickets cancelled less than 1hour prior to departure will be treated as no-show and No Refund of Fare will be permissible

Acceptance of free companion ticket for International travel, GoI OM dated 3.6.2009

Encashment of EL along with LTC , GoI Clarification dated 3.6.2009

New Health Insurence Initiative from Ministry of Health

Ministry of Health has invited expression of Interest on the proposed Health insurence to be offered to all central government retired and in service employees

BACKGROUND

Central Government Health Scheme (CGHS) is a scheme for providing health care to serving Central Government employees and their dependant family members. Over the years, the scheme has been extended to cover central government pensioners, their dependant family members and certain other categories like members of parliament and ex-members of parliament, freedom fighters etc. Employees of some select autonomous bodies as also PIB accredited journalists have also been extended CGHS facilities on cost-to-cost basis in Delhi.

Central Government Health Scheme is available in 25 cities [Delhi (including Noida, Gurgaon, Faridabad, and Ghaziabad), Ahemdabad, Allahabad, Bangalore, Bhopal, Bhubaneshwar, Chandigarh, Chennai, Dehradun, Guwahati, Hyderabad, Jabalpur, Jaipur, Jammu, Kanpur, Kolkata, Lucknow, Meerut, Mumbai, Nagpur, Patna, Pune, Ranchi, Shillong and Thiruvanthapuram]. Central Government Employees living outside the CGHS areas are entitled to reimbursement for medical attendance and treatment under the Central Services (Medical Attendance) Rules [CS(MA) Rules]. Pensioners of the Central Government are not covered under these rules. At present, Central Government Pensioners living in non-CGHS areas are paid a sum of Rs. 100 p.m. for meeting their medical expenditure. Consequently, there has been a long standing demand from Central Govt. pensioners residing in non CGHS areas for medical services at par with those available to Central Govt. pensioners in CGHS areas. The VI^th Pay Commission has recommended the introduction of a health insurance scheme in lieu of the CGHS.

Government of India, therefore, proposes to provide inpatient health care services to their all personnel of the Central Government including All India Service officers, serving and retired, and others who are covered under the existing CGHS (Central Government Health Services) and under CS (MA) Rules [Central services (Medical attendance) Rules] through a Health Insurance Scheme catering to their health care requirements. The proposed scheme shall be on voluntary basis for current set of employees & pensioners but compulsory for future employees & pensioners. The existing CGHS beneficiaries will have an option to avail CGHS facilities for OPD requirements and the insurance scheme for inpatient treatment.

With the introduction of health insurance scheme, the Central Government Employee (existing/ retired) will have the choice to select the best available health facilities for meeting their health care and can get best available treatment in areas in the close proximity.

NAME OF THE SCHEME

The name of the proposed scheme is Central Government Employees & Pensioners Health Insurance Scheme (CGEPHIS).

BENEFICIARIES

All personnel of the Central Government including All India Service officers, serving, newly recruited, retired and retiring and others who are covered under the existing CGHS(Central Government Health Services) and under CS (MA) [Central Services (Medical Attendance) Rules] Rules shall be offered Health Insurance Scheme on voluntary or on compulsorily basis . This could be:

1. CGEPHIS shall be compulsory to new Central Government Employees who would be joining service after the introduction of the health Insurance Scheme.
2. CGEPHIS shall be compulsory to new Central Government retirees who would be retiring from the service after the introduction of the Insurance Scheme.
3. CGEPHIS would be available on voluntary basis for the existing Central Government Employees and pensioners serving in CGHS area/ covered by CGHS. In this case such serving Central Government Employees and Central Government existing Pensioners shall have to opt out of CGHS scheme. They will also have the option of choosing both CGHS and Insurance policy. In such case the total premium has to be born by the beneficiary.
4. CGEPHIS would also be available on voluntary basis for the existing serving employees and pensioners in non-CGHS areas not covered by CGHS. In this case such serving Central Government Employees and existing Pensioners (who have opted for CGHS facility) shall have to opt out of CGHS scheme. They will also have the option of choosing both CGHS and Insurance policy. In such case the total premium has to be born by the beneficiary.

STRUCTURE OF CGEPHIS

Sums Insured / Policy Limits

The scheme shall provide coverage for meeting all expenses relating to hospitalization of beneficiary members up to Rs. 500,000/- per family per year subject to stated limits on cashless basis through smart cards. The benefit shall be available to each and every member of the family on floater basis i.e. the total reimbursement of Rs. 5 .00 lac can be availed by one individual or all members of the family. The sub-limits mentioned herein form part of the overall annual, family limit.

Head	Sub-limit (Rs. / per admission)
Domiciliary hospitalization	50,000
Maternity benefit	50,000

Scheme Floater Sum Insured

An additional sum of Rs. 15 crore shall be provided as Buffer / corporate floater to take care of hospitalization expenses of a family (per illness or annual) exceed the original sum insured of Rs 5.00 lac. In all such cases an additional amount up to Rs. 5.00 lac per family shall be provided from the Scheme Floater, on the recommendation of the committee set up by the Central government/ Nodal agency.

Family Size / Age Limit

1. Serving Employees: Self, spouse, two dependent children and dependent parents (New born shall be considered insured from day one).
2. Retired Employees: Self, spouse and one dependent child.
3. Additional dependent family member can be covered under the scheme by paying the fixed percentage of premium per additional dependent family member. The premium shall be borne by the beneficiary.
4. All beneficiaries shall be insured till survival.
5. The definition of dependent shall be as per guidelines issued by Central Government.

Insurance Coverage

In addition to the coverage afforded under a standard medical insurance policy, the following shall also be covered under CGEPHIS:

1. Pre-existing diseases
2. Maternity benefit
3. Day-one Coverage for all diseases
4. New-born babies
5. Pre and Post hospitalization cover of 30 days and 60 days respectively
6. Domiciliary Hospitalization