The government of Kerala has launched the Kerala MEDISEP Scheme which comes under the health insurance scheme. The scheme has been launched for employees as well as pensioners who work in the government sectors.
The 10th Pay Revision Commission previously decided to launch a health insurance program for all government workers and retirees of Kerala state. Based on the decision, the Finance Minister announced the Kerala MEDISEP Scheme in the budget speech for the 2017-18 fiscal year.
However, he did not mention the name of the scheme as it was not decided at that period. The scheme will work throughout the Kerala state. Only the permanent residents of Kerala can take benefits offered under the scheme.
Almost 30 lakh beneficiaries are assisted. It is considered one of the finest health insurance programs in the state. In the following article, we are going to provide detailed information regarding the Kerala MEDISEP Scheme. Be with the article till the end to know about it in detail.
Table of Contents
Kerala MEDISEP Scheme 2024
The full form of MEDISEP is Medical Insurance for State Employees and Pensioners. The scheme has been launched by the Department of Finance, Government of Kerala. The scheme was already hinted at by the Finance Minister during the 2017 and 2018 budgets. However, the Chief Minister of Kerala officially launched the scheme on 1st July 2022. Below is the list of some of the key points of the medisep.kerala.gov.in scheme:
- MEDISEP is the state scheme which will operate within the state only, and government employees and pensioners are eligible for the scheme.
- The program aims to assist around 30 million beneficiaries of the state within three years.
- The scheme aims to cover around 3 Lakh rupees annually.
- Under the MEDISEP Scheme, a total of 1920 schemes will be covered.
- To become eligible for the scheme and avail of benefits, applicants need to be hospitalised for a minimum of 24 hours.
- The concerned authority has provided a list of hospitals which are registered under the scheme.
- The officials will provide the coverage as well as financial aid for 15 days before and after hospitalization.
- Readers will get detailed information regarding the scheme through the Kerala MEDISEP portal.
medisep.kerala.gov.in Scheme 2024: Highlights
| Name of the Scheme | Kerala MEDISEP Scheme |
| Full Form | Medical Insurance For State Employees and Pensioners |
| Launched By | Chief Minister of Kerala |
| MEDISEP Portal Maintained and Developed By | IT-Software Division, Finance Department |
| Beneficiaries of the Scheme | Permanent residents of Kerala |
| Location | Kerala |
| Official Portal | https://medisep.kerala.gov.in/ |
Kerala MEDISEP Scheme Eligibility Conditions
In the following section, we are going to provide detailed eligibility conditions required to become eligible for the above-mentioned scheme. Here are the conditions:
- Candidates who are currently providing services as an employee of the government of the state including the teaching as well as non-teaching staff of Schools and Colleges aided by the authority through prescribed premium are eligible for the scheme. In addition, to the categories mentioned previously, all university employees who get Grant-in-Aid from Local and State government institutions and personal staff of the Ministers, Leader of the Oppositions Party, Deputy Speaker, Chief Minister and others who were directly recruited will be treated as eligible for the scheme.
- Employees who recently joined the services after getting appointed during the policy period which is usually three years can also take benefit of the scheme by remitting the premium from the month on which they joined the services and can get Two Lakh rupees yearly as Basic Sum Insured.
- Employees and Pensioners and Teachers who come under the category of Part-Time employees are subject to the settlement of the prescribed premium. All contingent part-time family pensioners as well as Exgratia beneficiaries will have to execute an authorisation to subtract the mentioned premium of a month from their respective monthly pension.
- Services Pension including the aided schools and college’s non-teaching and teaching staff are beneficiaries by subtraction of the mentioned medical allowance. In addition to the categories mentioned in this point, university staff who retired and received Grant-in-Aid from the local Self and State government institution will be treated as beneficiaries. Along with it, Personal Staff Pensioners/ Family Pensioners who got recruited directly will also be considered beneficiaries.
Enrollment of Beneficiaries
Below are the details of the enrollment of beneficiaries. Check it out to understand the scheme in detail:
- Beneficiaries must attain the whole enrolment procedure mentioned by the respective government within the time limit of the enrolment period.
- The online enrolment of such candidates will not be allowed by the officials once the expiry date of the enrolment period is over.
- In case the beneficiary is a pensioner then the enrolment procedure prescribed by the officials must be followed as mentioned by the government from time to time.
- State Nodal Cell is going to maintain all databases of the beneficiaries. The same will also be shared with the respective insurer to start the enrolment process with immediate effect. The respective insurer is going to undertake the process of issuing the ID cards.
- The policy expiration date is going to co-terminum for all beneficiaries of the scheme.
- The respective insurer has access to the option of changing the details available about the dependant beneficiaries.
- The officials are also going to notify all employees and pensioners about the enrolment with the Permanent Employee Number or Pension Payment Order Number.
- The enlisted Nursing Homes/ Hospitals/ Day Care Clinics along with the beneficiaries have the right to access the scheme website to check their relevant information.
Kerala MEDISEP Scheme Family Enrollment
In the following section, we are providing details regarding the family enrollment. Check out the list of families and dependants who will be covered under the scheme:
- In the case of an insured employee:
- Legal partner of the employees (who are not eligible to apply for the scheme).
- All children who are adopted and minors as well as dependent upon the insured till they get a job, get married or attain the age of 25 years. Whichever is earlier will be applicable.
- Children face physical or mental challenges and are the children of the employee without any age barrier. (Certificate needs to be produced as mentioned in the scheme.
- Parents who are dependent on the employee.
- In the case of insured pensioner:
- Spouse and PWD or mentally challenged children of the pensioner without any age barrier. In the case of the spouse, they must not be eligible to apply for the scheme. In the case of the children of PWD or mentally challenged, certificates need to be produced.
- In the case of insured family pensioner:
- PWD or mentally challenged children of the pensioner without any age barrier. (certificate needs to be produced as mentioned in the scheme).
Benefits of the സംസ്ഥാന ജീവനക്കാർക്കും പെൻഷൻകാർക്കും മെഡിക്കൽ ഇൻഷുറൻസ്
In the following section, we are going to provide details about the benefits which will be provided under the Kerala MEDISEP Scheme:
- Under the premium of 500 rupees, beneficiaries will get a basic plan along with extra packages for Catastrophic disease.
- MEDISEP will cover the expenses which will occur by the beneficiaries for the procedure mentioned upto 3 lakh rupees for three years under the BBP i.e., Basic Benefit Plan.
- The cost incurred through doctor and attendant fees, medications, implant charges, treatments, hotel charges, diagnostic expenses, meal charges and others at hospitals will be covered by the BBP.
Kerala MEDISEP Scheme Online Registration Process
Candidates who are using the portal for the first step and are interested and eligible to apply for the scheme can take the help of the following section. Here are the steps which need to be followed to complete the online registration process:
- The first step is to visit the authorized website of MEDISEP i.e., https://medisep.kerala.gov.in/
- Now, the above-mentioned link will directly open on the home page.
- Afterwards, you need to locate the registration link and tap on it once.
- After that, the device will open the registration form on the respective screen.
- You will first have to select the user type and then start entering the details on the application form.
- Make sure all details on the application form are correct and recheck the entered particulars before moving forward with the process.
- Now you need to attach the required documents within the specific limit and format.
- Recheck the whole for once again and tap on the submit button.
How to log in for the Kerala MEDISEP Scheme 2024?
The following section provides the online procedure using which one can easily log into the Kerala MEDISEP Scheme Portal. Follow the steps mentioned below for a successful login:
- Start the procedure by visiting the official website of the Kerala MEDISEP using this link address: https://medisep.kerala.gov.in/
- Now, the home page of the respective portal will be available on the screen.
- You can see various options available horizontally at the top of the screen.
- Locate and go to the Login option and a drop-down menu will open on the screen.
- The available options will be Univeristy/ Treasury/ Municipality/ Panchayat/ Corporation/ Department.
- Click on any one of them and the device will open on the respective screen.
- Afterwards, you can see the login section on the new page. Provide your username and password carefully and then tap on the submit button available at the end of that section.
- After a few seconds, the dashboard of the respective candidates will form on the device.
Process to Check the Status of the Kerala MEDISEP Scheme
Candidates who have applied for the scheme and now looking for a way to check the application status can check the process mentioned here. The following are the steps to check the status:
- Commence the procedure by visiting the authorized website of the Kerala MEDISEP i.e., https://medisep.kerala.gov.in/
- Secondly, the home page will appear on the screen.
- Thirdly, you can see options like home and others attached at the top side of the screen.
- After that, locate and click on the Status option to open a new page on the screen.
- Start the process by selecting the Category, After that, enter the Emp ID/ PEN/ PPONO and Date of Birth carefully.
- Afterwards, you will have to select the department or treasury according to the selected category.
- Lastly, enter the captcha code provided there and tap on the search button to complete the process.
Process to download the Kerala MEDISEP App
In case, any candidates want to use the services offered under Medisep through its app then they must learn the app downloading process. The following are the steps to download the application online:
- The initial step is to visit the Kerala MEDISEP website using this link: https://medisep.kerala.gov.in/
- Secondly, the home page will open on the screen.
- Thirdly, you need to scroll down the home page till you see the section providing updates which are running on the screen.
- You will see the MEDISEP App Download Option and the left corner side of the section.
- Click on it and the link will directly lead the users to the Google Play Store web page.
- You can see the MEDISEP name on the screen and the Install option available below it.
- Click on it and the file will get downloaded as well as installed in your respective device.
- Open the app and provide your login credentials to use the MEDISEP services.
How to view the list of hospitals available under the Kerala MEDISEP Scheme?
Candidates are going to get information regarding the hospitals available under the Kerala സംസ്ഥാന ജീവനക്കാർക്കും പെൻഷൻകാർക്കും മെഡിക്കൽ ഇൻഷുറൻസ്. Follow the steps to check the list:
- Commence the process by going to MEDISEP Portal i.e., https://medisep.kerala.gov.in/
- Secondly, the home page will open on the screen.
- Thirdly, go to the options available horizontally at the top of the screen.
- Click on the Hospitals option and a drop-down menu will appear holding two options.
- Tap on the View option and the device will open a new page.
- Now, you need to select whether you want to see the hospitals inside Kerala or outside.
- In the case, of Outside Kerela, you need to enter the captcha code and the list of available hospitals will open on the screen.
- In the case of inside Kerala, you need to select the district and then the category.
- Lastly, provide the captcha code and finally the list of available hospitals will open on the screen.
Kerala MEDISEP Scheme Age-Wise Status
Below is the table showing the age band-wise status:
Employees:
| Districts | Age Upto 25 | Age 26 to 30 | Age 31 to 35 | Age 36 to 40 | Age 41 to 45 | Age 46 to 50 | Age 51 to 56 | Age Above 56 |
|---|---|---|---|---|---|---|---|---|
| Thiruvananthapuram | 471 | 4,925 | 10,645 | 13,918 | 16,232 | 18,314 | 17,539 | 1,946 |
| Kollam | 330 | 3,077 | 6,903 | 9,207 | 10,416 | 10,939 | 10,460 | 955 |
| Pathanamthitta | 62 | 589 | 1,564 | 2,401 | 3,179 | 4,191 | 4,482 | 455 |
| Alappuzha | 180 | 1,754 | 4,072 | 6,468 | 7,378 | 8,555 | 8,338 | 920 |
| Kottayam | 120 | 1,252 | 3,373 | 5,258 | 6,686 | 7,954 | 8,742 | 836 |
| Idukki | 94 | 967 | 2,321 | 3,054 | 3,565 | 3,790 | 3,835 | 455 |
| Ernakulam | 173 | 1,731 | 4,409 | 7,675 | 9,587 | 11,518 | 11,815 | 1,331 |
| Thrissur | 158 | 1,595 | 4,392 | 7,581 | 8,749 | 10,398 | 10,455 | 1,018 |
| Palakkad | 261 | 2,514 | 4,949 | 7,086 | 7,144 | 7,964 | 7,672 | 837 |
| Malappuram | 311 | 2,438 | 6,195 | 9,050 | 8,713 | 9,344 | 9,443 | 899 |
| Kozhikode | 301 | 2,490 | 6,070 | 9,069 | 9,779 | 11,272 | 11,564 | 1,042 |
| Wayanad | 161 | 1,053 | 2,159 | 2,657 | 2,945 | 3,171 | 2,884 | 339 |
| Kannur | 236 | 1,848 | 4,947 | 6,615 | 7,397 | 8,721 | 8,657 | 864 |
| Kasaragod | 123 | 780 | 2,135 | 2,814 | 3,174 | 3,866 | 3,534 | 355 |
Dependants (Employees):
| Districts | Age Upto 25 | Age 26 to 30 | Age 31 to 35 | Age 36 to 40 | Age 41 to 45 | Age 46 to 50 | Age 51 to 56 | Age Above 56 |
|---|---|---|---|---|---|---|---|---|
| Thiruvananthapuram | 95,315 | 6,140 | 8,310 | 10,428 | 12,825 | 12,707 | 15,160 | 59,616 |
| Kollam | 64,278 | 3,858 | 5,174 | 6,740 | 8,531 | 8,593 | 10,300 | 42,020 |
| Pathanamthitta | 20,717 | 810 | 1,178 | 1,789 | 2,632 | 2,962 | 3,355 | 12,775 |
| Alappuzha | 47,386 | 2,328 | 3,397 | 4,791 | 6,111 | 6,406 | 7,327 | 32,143 |
| Kottayam | 44,225 | 1,626 | 2,761 | 4,231 | 5,574 | 5,912 | 6,677 | 27,098 |
| Idukki | 24,127 | 1,168 | 1,851 | 2,377 | 3,127 | 3,139 | 3,637 | 15,710 |
| Ernakulam | 64,107 | 2,531 | 3,848 | 5,795 | 7,673 | 8,431 | 9,791 | 39,960 |
| Thrissur | 57,857 | 2,407 | 3,165 | 4,940 | 6,614 | 7,146 | 9,342 | 35,800 |
| Palakkad | 46,735 | 2,903 | 3,550 | 5,018 | 5,991 | 6,357 | 8,048 | 29,529 |
| Malappuram | 68,816 | 3,432 | 4,594 | 6,889 | 8,052 | 7,724 | 9,600 | 34,390 |
| Kozhikode | 66,145 | 3,598 | 5,068 | 7,519 | 9,209 | 8,283 | 9,558 | 41,092 |
| Wayanad | 20,019 | 1,184 | 1,582 | 2,137 | 2,594 | 2,641 | 3,294 | 13,023 |
| Kannur | 49,055 | 2,666 | 3,600 | 5,354 | 6,788 | 6,054 | 7,462 | 32,380 |
| Kasaragod | 20,687 | 1,250 | 1,573 | 2,325 | 2,759 | 2,584 | 3,280 | 14,088 |
Top Hospitals under the Kerala MEDISEP Scheme
| Serial Number | Hospital Name | No.of Claims | Amount |
| 1) | Believers Church Medical College | 7,445 | 12,65,89,819 |
| 2) | AKG Hospital | 9,603 | 19,33,03,762 |
| 3) | Kozhikode Distrcit corporative Hospital | 8,194 | 21,88,95,344 |
| 4) | APOLLO ADLUX HOSPITAL (A UNIT OF ADLUX MEDICITY AND CONVENTION CENTRE PRIVATE LIMITED) | 7,537 | 14,30,96,421 |
| 5) | Malabar Institute of Medical Science | 8,276 | 20,46,64,618 |
| 6) | Amala Institute Of Medical Sciences | 13,382 | 35,06,49,257 |
| 7) | NS Memorial Institute of Medical Sciences | 10,506 | 31,63,81,517 |
| 8) | MVR Cancer Centre and Research Institute | 8,474 | 24,14,73,417 |
Kerala MEDISEP Scheme Claim Status (District-Wise)
| S. No. | District Name | No.of Claims | Amount |
| 1) | KANYAKUMARI | 4 | 92,912 |
| 2) | TIRUPPUR | 2 | 43,077 |
| 3) | THIRUVANANTHAPURAM | 46,747 | 109,92,06,373 |
| 4) | MALAPPURAM | 40,935 | 86,08,26,833 |
| 5) | WAYANAD | 10,358 | 15,07,55,368 |
| 6) | KASARAGOD | 3,953 | 8,09,95,470 |
| 7) | KANNUR | 35,236 | 66,66,83,699 |
| 8) | KOTTAYAM | 26,675 | 67,37,65,267 |
| 9) | PATHANAMTHITTA | 24,898 | 60,44,51,483 |
| 10) | ALAPPUZHA | 20,243 | 39,84,47,141 |
| 11) | IDUKKI | 17,841 | 31,45,85,926 |
| 12) | PALAKKAD | 15,205 | 30,49,47,453 |
| 13) | KOZHIKODE | 74,274 | 153,68,86,862 |
| 14) | ERNAKULAM | 53,742 | 139,38,86,494 |
| 15) | MANGALORE | 1,689 | 8,91,05,793 |
| 16) | DAKSHINA KANNADA | 47 | 21,69,361 |
| 17) | COIMBATORE | 7 | 27,800 |
| 18) | KOLLAM | 38,688 | 88,44,97,780 |
| 19) | THRISSUR | 36,673 | 78,87,45,498 |
| 20) | CHENNAI | 1 | 3,00,000 |
How to file for grievance on the Kerala MEDISEP Scheme Portal?
If any user is facing an issue while using the services offered under the MEDISEP Portal then they can take the help of the following section. Here are the steps through which you can file a grievance against it:
- Start the procedure by going to the MEDISEP website through this link: https://medisep.kerala.gov.in/
- Now, the home page will be available on the screen.
- Please locate the Grievance option provided at the top of the screen along with other options.
- After clicking on the link, a new page will open on the screen holding two options.
- Click on the Grievance Filing and a drop-down menu will open.
- There you will see the option which you can use to resolve the problem and another option of login.
- Click on the login button and the login section will open on the new screen.
- Carefully provide your login credentials and the dashboard will open on the screen.
- There you must tap on the lodge grievance option and provide the requested details carefully.
- Once, you are done entering the details, you will also be asked to upload the relevant documents which might be an optional option.
- Finally, click on the submit button and the process will be completed.
Kerala MEDISEP Contact Details
- Location:
Finance (Health Insurance) Department,
Govt Secretariat Thiruvananthapuram, Kerala 695001 - Email:
info.medisep@kerala.gov.in - Call:
0471-2517486
Toll-Free Number: 1800 – 425 – 1857 and Time: (10.15 AM to 5.15 PM) - Helpline:
1800-425-0237 (24X7) (Treatment related)
Kerala MEDISEP Scheme 2024: Important Links
| Visit the Portal | Kerala MEDISEP Website Link |
| Register Online | Kerala MEDISEP Registeration Link |
| Login Now | MEDISEP Login Link |
Frequently Asked Questions
Given below are the Kerala MEDISEP team details:
Sri K. N. Balagopal (Hon’ble Minister for Finance), Sri. Rabindra Kumar Agarwal IAS, (Principal Secretary), Sri. Sanjay M. Kaul (IAS Secretary) and Sri. Mohammed Y Safirulla (IAS Officer on Special Duty (FR)) Finance Department, Govt. of Kerala.
Readers interested in checking the hospital packages in the Kerala MEDISEP Portal can use the following procedure:
Start with visiting the MEDISEP Portal. Click on the Hospitals option available at the top and then click on the Packages button from the drop-down menu. Lastly, provide the required details and package details will open on the screen.
Below are the details which will be provided under the Hospital Packages section:
Procedure Name, Normal Rate (Hospital Without Quality Certification), Base Rate (Hospital With Entry level Certificate 5% than Normal Rate) and Accreditation Rate (Hospital With Full NABH 10% than Base Rate)
Applicants must keep the following documents while applying for the scheme:
Aadhaar Card, Mobile Number, Working Email ID and others.