Health Insurance for BSNL Employees Medical Policy 2021

PSU Telecom Company BSNL introduced 'BSNL Employees Health Insurance Policy 2021' for working staff and start from 01-09-2021.

Bharat Sanchar Nigam Limited - BSNL has announced the launch of new 'BSNL Employees Health Insurance Policy, 2021' exclusively for working bsnl staff across India which is offered in two categories.

As per latest information from bsnl official sources, the New Health Insurance policy for family of BSNL employee will be implemented with effect from 01-09-2021 onwards.

This health cover scheme is optional and health insurance premium shall be paid by the concerned BSNL employee by agreeing the terms and conditions of the 'BSNL Employee Health Insurance Policy 2021'.

In association with The New India Assurance health insurance company BSNL jointly launched this family health cover scheme for bsnl employee in two categories Rs.5 lakh and Rs.10 lakh which is 35% to 45% less premium health insurance policy comparison with other available health insurance companies in India.

According to the approval order, The insurance company will appoint a special officer i.e Nodal officer who will liaison with nodal officer of BSNL appointed specially for the purpose to look after the grievance of the employees, if any, in respect of the policy, its implementation and claim settlement.

Further, BSNL employees have to exercise their options to join the scheme health insurance online through ERP/ESS portal (Specially designed for BSNL Employee). The dates for the opening of POPUP window and important guidelines / health insurance hospital list empaneled for exercising online option on ERP/ESS portal will be circulated to all its concerned telecom circle heads very shortly after appointment of the Special health insurance company Nodal office in all telecom circles.
Salient features of the "BSNL Employees Health Insurance Policy, 2021"

The policy is applicable for following category of employees who are working in BSNL across India
All the regular employees of BSNL and All the employees working on deputation / deployment basis in BSNL

The Health insurance policy is offered in following two categories:

Category One: Rs.5 Lakh health insurance cover
Category Two: Rs.10 Lakh health insurance cover

Health Insurance Benefits

Under Rs.5 Lakh health insurance cover is applicable for all the employees including employees having pay scale E5 and above. Three family options are available in this category. Top up value of Rs.5 Lakh is available in this category which is optional.
Under Rs.10 Lakh health insurance cover is applicable for only employees having pay scale E5 and above. Six family options are available in this category i.e three each in Rs.5 Lakh and Rs.10 Lakh cover respectively. Topup value of Rs.10 Lakh and 15 Lakh are available in this category which is optional.
The validity of the policy is one year from the date of effect. The same needs renewal on expiry of one year period as per the terms and conditions and premium amount as mutually decided by the BSNL management and the Insurance company as per the extant guidelines of IRDA.
The policy is optional and deduction of premium amount from the salary of the employees may be made only for those employees who opt for the same.
This one of the best health insurance policy for senior citizens
Date of commencement of policy is 1st September, 2021 onwards.
The following are the basic premium rates and Topu policy rates for different options: Policy is for three family options in each category of Rs.5 lakh and Rs.10 Lakh cover.
BSNL management will only act as facilitator on behalf of beneficiaries for the Health Insurance policy.
The Health Insurance Policy shall be Independent from the BSNL MRS Scheme (BSNL Employee already holding BSNL MRS card) and shall have no linkage of any kind from it. It means BSNL employee can submit their Out-patient medical bills as usual for general treatment in any clinic or hospitals.
The claim will be raised and settled by individual employee on its own. However, any grievance of employees in this respect will also be looked by BSNL through Nodal Officer appointed by insurance company.
The Insurance company will set up a Nodal offier who will liasoned with Nodal officer of BSNL appointed specially for the purpose to look after the grievance of the employees, if any, in respect of the policy, its implementation and claim settlement.
BSNL will have no liability in respect of any default of individual employees in whatsoever manner related to insurance policy. BSNL will have no liability in respect of any data given in the application form by the individual employee.

Basic Premium Rate Health Insurance Plans

Options	Rs.5 Lakh Health Insurance Premium Amount in Rs.	Rs.10 Lakh Health Insurance Premium Amount in Rs.
Option 1 - Without Parents	6100 (GST 18% extra)	8300 (GST 18% extra)
Option 2 - With One Parents	9000 (GST 18% extra)	11900 (GST 18% extra)
Option 3 - With Two Parents	9600 (GST 18% extra)	13300 (GST 18% extra)

Topup Policy Rate - Health Insurance Plans

Employees % opting	Rs.5 Lakh Topup HIC - Premium amount in % of base rate (GST @18% Extra)	Rs.10 Lakh Topup HIC - Premium amount in % of base rate (GST @18% Extra)	Rs.15 Lakh Topup - Premium amount in % of base rate (GST @18% Extra)
20% of employees opting	35% of base rate	45% of base rate	70% of base rate
30% of employees opting	30% of base rate	40% of base rate	65% of base rate
40% of employees opting	25% of base rate	35% of base rate	60% of base rate

As above stated health insurance policy details in chart table:

The option 1 i.e without parents includes: Self + Spouse + Three children upto age of 25 years
The Option 2 i.e with one parents includes (Health insurance policy for parents): Self + Spouse + Three children upto age of 25 years + (Male employee: Father or Mother - Female Employee Father-in-law or Mother-in-law) ONLY ONE person allowed upto the age of 85 years.
The Option 3 i.e with two parents includes (Health insurance policy for parents): Self + Spouse + Three children upto age of 25 years + (Male employee: Father and Mother - Female Employee Father-in-law and Mother-in-law) ONLY TWO persons allowed upto the age of 85 years.

Terms and conditions:

One parent means either Father or Mother (Male Employee) - Father-in-law or Mother-in-law (Female Employee) ONLY ONE person allowed upto the age of 85 years.
Two parent means either Father and Mother (Male Employee) - Father-in-law or Mother-in-law (Female Employee) ONLY Two person allowed upto the age of 85 years. Cross selection of parents is not allowed e.g. while making a set of two parents Mother-in-law and Mother or Father-in-law and Father.
BSNL will have no liability in respect of any default of individual employees in whatsoever manner related to insurance policy.
BSNL will have no liability in respect of any data given in the application form by the individual employee.
ONLY online options (applications) are valid and final.
Before submit the online application, please check once again and follow the above instructions further any claim settlement.
No Written applications / representations to join / withdraw application will not allowed.
On base rate of premium health insurance gst rate @ 18% will be charged

Article Source: BSNL TARIFF

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