Changes needed in the present medical facilities for bankers and Implementation of CGHS scheme or a better model scheme

Changes needed in the present medical facilities for bankers and Implementation of CGHS scheme or a better model scheme for bankers also:

Long term goal:

Achieving implementation of CGHS scheme available to Central government employees to serving retired bankers also.

https://cghs.gov.in/

If not a better model scheme for addressing the various medical needs of bankers is to designed and formulated o address the various deficiencies observed in the present TPA set up.

Short term goal:

1. As a measure of Short term benefit, Base Sum assured has to be hiked from present Rs.4 lakhs to Rs.20 lakhs and top up facility has to be offered over and above Rs.20 lakhs for both serving officers and clerical staff and retired pensioners also without any prejudice.

The cost of medical expenditure over the last 4 to 5 years has increased manifold and yet the sum assured or base cover has not improved at all. After factoring Covid pandemic the hospitalisation cost has sky rocketed. Hence this change in base cover is highly needed at this juncture. Many bankers have suffered huge financial loss due to the expenses incurred for the treatment for self and their dependents during this pandemic time.

2. Also, the medical facility is to be equally implemented across cadres viz officers and clerical cadres and also for serving and retired staff. No differentiation in this regard.

3. OPD claims are also to be considered under Top up facility also.

4. OPD facility to also be considered under Corporate buffer.

5. Huge amounts are being collected as premiums from retired employees for which a loan is offered to cover the premium amount. Such a disgrace. No organisation has such cruel disparity for its retired warriors anywhere. This disparity must end during this renewal itself.

6. So many complaints are being received on the TPA. If possible an in house TPA has to be floated which will be employee friendly and will address the employees concerns with empathy rather than the present rule based TPA system which is found to be highly autocratic and commercial than being empathetic to employees medical concerns.