SENIOR SOCIAL SECURITY SCHEME

SENIOR SOCIAL SECURITY SCHEME

 

SECRETARY      : DR KRISHNAKUMAR P V

OFFICE    :  KRISHNA QUARTERS

           Nr ARONGOTTUKARA POST OFFICE

           ARONGOTTUKARA P O, TRISSUR

 PHONE     : 7034445788, 9846561097

A/C NO      :   4351000100098827

PANJAB NATIONAL BANK

TRISSUR

IFSC CODE   : PUNB0435100

 

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Senior Social Security Scheme

Upper Age Limit : NIL

Ist Year Payement:

Upto 30 Yrs         3000/-

30-35Yrs             4000/-

35-40Yrs              5000/-

40-45Yrs              7000/-  

45-50 Yrs             10000/-

50-55Yrs               15000/-

55-60Yrs               20000/-

60-65Yrs                    25000/-

65-67 Yrs                     30000/-

70-75 Yrs                   35000/-

75 above 75 Yrs                40000/-

Yearly Payement 1000+ (500X No of Death) X 25Yrs

Family Benefit as on December 2017 Rs 3450000/-

 

 Aims and Objectives

 

Senior Social Security Scheme (SSSS) of IMA Kerala State Branch and is established to achieve the objects mentioned in clause 4 (II) of the Memorandum of IMA Kerala State Branch. It becomes a third phase of the SS Scheme of IMA Kerala State Branch with the special stipulations as given below. The scheme shall be operative with effect from December 2010.

Aims & Objectives of the Scheme III

a) To provide financial assistance to the family of a medical practitioner in the event of his death.

b) To provide financial assistance to the member who has become permanently diabled thereby rendering him unfit to practice his profession during his life time (VIII-2)

c) To run educational institutions, nursing homes, old age homes and palliative care clinics solely for philanthrophic objectives without any profit motive.

d) To support the activities of IMA Kerala State Branch.

e) To support pension schemes.

 Eligibility for Membership

a) Any life member of the Kerala State Branch of IMA are eligible to become a member of SSSS.
Note : l. Members who have applied for life membership in IMA KSB can join the S.S.S.S with condition that their membership will be confirmed only after submitting proof of IMA life membership.
Note : ll. (i) Membership comes in to effect only when the IMA Kerala State Social Security Scheme III policy document signed by the chairman and the Hony. Secretary of the scheme, is issued to the member. (ii) The members who Join the scheme III before 31-12-2011 are designated as ‘FOUNDER MEMBERS’ of the scheme.

Admission fees

 

 

Age

Total Amount (Rs)

Below 30 Yrs

3000

30 Yrs and below 35 Yrs

4000

35 Yrs and below 40 Yrs

5000

40 Yrs and below 45 Yrs

7000

45 Yrs and below 50 Yrs

10000

50 Yrs and below 55 Yrs

15000

55 Yrs and below 60 Yrs

20000

60 Yrs and below 65 Yrs

25000

65 Yrs and below 70 Yrs

30000

70 Yrs and below 75 Yrs

35000

Above 75 Yrs

40000

 

 Members Contribution

Every member of the S.S.S.S shall pay Rs. 1000/- (Rupees One Thousand Only) every year as annual membership fee for a period of 25 yrs. Out of this amount Rs.800 will be credited to the family benefit fund and Rs.200 shall be paid to support the activities of IMA KSB. Every member of the SSSS shall pay fraternity contribution of Rs.500 (Rupees Five Hundred only) per death of a member on demand by the Hony. Secretary of the scheme every year for a period of 25 years continuously. After 25 yrs the member need not make any payment to the scheme but remains as a honorary member enjoying all the benefits of a member. For calculating 25 yrs, date of enrollment into the scheme shall be considered.

Member’s Rights

1. On the event of death of a member, the fraternity benefit to the nominee/ nominees /legal heirs shall be calculated as 500 times the then net membership. Net membership is calculated by subtracting total Number of demised members + total number of deleted members + total number of retired members from the total enrollment number on the previous day of death of the member and shall be returned to his nominee/ nominees/legal heirs as the case may be.

2. On the event of the demise of a member, the fraternity benefit will be paid to the nominee/ nominees/legal heirs only if the member has been a member of the scheme for at least one year from the date of joining the scheme. This will be effective from 1/1/2012.

3. On the receipt of the information from a responsible member of the family of a member that a member has become permanently physically disabled there by rendering him unfit to practice his profession, and incurring huge financial burden to the family, such a member can avail, financial help from family benefit fund. In that event of availing financial help from family benefit fund, he shall be considered as retired member and his membership shall stand terminated. The dues to the scheme if any, shall be subtracted from the amount he gets from family benefit fund. The decision of the retirement shall be at the discretion of the Managing Committee.

4. The amount to be paid under clause (1) & (2) above shall be paid as DD payable at the place of the nominee/ nominees or legal heirs within one month of the receipt of the information of the physical disability or death as the case may be subject to satisfying all conditions prescribed by the Managing Committee and on surrender of the policy document.

5. In the event of loss or non surrender of the Social security Scheme III policy document, the Managing Committee will take the final decision on the disposal of claim.

6. The scheme III will start payment only when 300 members Join the scheme.

7. The admission fee will be refunded to the nominee/nominees /legal heirs, in case of death of a member before attaining the membership of 300.

 

Download Application Form

 IMA KERALA HEALTH SCHEME (IMA KHS)

 

IMA KERALA HEALTH SCHEME

 

SECRETARY      : DR GOPIKUMAR P

OFFICE    :  3A LISSIEUX, OLARIKKARA

           PULLAZHI P O

           TRISSUR- 680012

PHONE     : 0487 2367000, 9539332426

A/C NO      :   31520936887

STATE BANK OF INDIA

OLARIKKARA

IFSC CODE   : SBIN00100658

 

Aims and Objectives

 

The Scheme shall be known as ”IMA KERALA HEALTH SCHEME (IMA KHS)

 Aims and Objects of the Scheme

 To provide financial assistance to the members and his/her spouse, children and parents on the unfortunate events of hospitalization for diagnosis, management of the following diseases.

a) Coronary Heart Disease : Angioplasty, by-pass surgery & valvular heart diseases surgery.

b) Kidney failure : Hemodialysis, Renal Transplant

c) All malignant Diseases.

d) Management of brain Tumors

e) Joint Replacement: Surgery for knee and hip joints and major surgeries.

f) Spinal Stenosis and disc surgery

g) Cerebrovascular accidents.

h) Road Traffic accident and other accidents.

i) Other major illnesses requiring Hospitalisation approved by the scrutinizing committee.

Beneficiaries

Benefits of the Scheme shall be available only to the member and his/her spouse, children and parents, if the member has paid the membership subscriptions of his/her spouse, children and parents. In the event of death of the member, the spouse, children and parents, if desires can continue as a beneficiary member of the scheme provided the member was a Life Member of IMA.However such a beneficiary member shall not have any right to attend or vote in the general body meeting of scheme and shall not have any right to vote or contest for any post.

Eligibility of the Members

a) Up to 30th November 2006 (First six months) any member of IMA of any age is eligible to become a member of scheme. He/she is considered as Founder Member.

b) After 30.11.2006 any member of IMA up to the age of 80 years at the time of joining is eligible to become member of the scheme.

c) The age will be calculated on the date of receipt of draft/cheque subject to its encashment.

Admission Fees :

Any member of IMA KSB willing to become a member of the scheme shall be enrolled on payment of admission fees as per scale below.

For member :

 

 

 

AGE

AMOUNT

Below age of 35 yrs

750/-

Below age of 45 yrs, But above 35 years

1,250/-

Below age of 55 yrs,But above 45 years

1,750/-

Below age of 60 yrs but above 55 years

5,000/-

Below age of 65 yrs but above 60 years

6,000/-

Below age of 70 yrs but above 65 years

7,000/-

Below age of 75 yrs but above 70 years

8,000/-

Below age of 80 yrs but above 75 years

10,000/-

 

Advance Financial Assistance Contribution (AFAC)

Every member/spouse member who have joined below 55 years shall have to pay initially and yearly Rs. 2600/- as advance financial assistance contribution along with the admission fees and annual membership fees of Rs.100/-. Every child member shall have to pay initially Rs. 2100 as advance financial assistance contribution.

Members below 60 years but above 55 years, who join the scheme above the age of 55 years, shall contribute AFAC of Rs. 5000/- per year

Members below 65 years but above 60 years, who join the scheme above the age of 55 years, shall contribute AFAC of Rs. 7000/- per year.

Members below 70 years but above 65 years, who join the scheme above the age of 55 years, shall contribute AFAC of Rs. 8000/- per year.

Members below 80 years but above 70 years, who join the scheme above the age of 55 years, shall contribute AFAC of Rs.10000/- per year.

Annual Member Subscription

Every member/beneficiary member of the Scheme shall pay Rs.100/- each as annual membership subscription Member shall submit their application in the prescribed application form along with their admission fees, membership fees and advance financial assistance contribution drawn in favour of “IMA Kerala Health Scheme” by A/c. payee draft or local cheque payable at Head Office at Secretary’s office place with endorsement by Local Branch Secretary. No cash or money order will be accepted.

Benefits of the Scheme

(a) This scheme is intended to be helpful to members to meet the heavy expenses for the management of serious illness.

Coronary Heart Disease: By-pass surgery and angioplasty required for the treatment of coronary heart disease and valvular heart disease surgery will be covered under the scheme. Upper limit will be Rs. 2 Lakhs.

Kidney Failure:Regular haemodialysis or renal transplant required in the management of chronic irreversible failure of both the kidneys will be covered under the scheme. Upper limit will be Rs.2 Lakhs.

Cancer:Surgical, Radiotherapy and Chemotherapy required for the treatment of all cancers will be covered under the scheme. Upper limit will be Rs. 2 Lakhs.

Management of Brain Tumors: Surgical, Radiotherapy and Chemotherapy required for the treatment of brain tumors will be covered under the scheme. Upper limit will be Rs.2 Lakhs.

Major Surgeries: Surgery for knee and hip joints. Spinal Stenosis and disc surgery, or other major surgeries will be covered by the scheme with an upper limit of Rs. 100000/-

a) Any serious diseases requiring hospitalisation, will be covered with an upper limit of Rs.40000/- Diagnosis and Treatment costing less than Rs.5000/- will not be covered under this scheme.

b) Members have to submit original papers as well as attested photo copy of Treatment certificates (Discharge summaries), Break up of Bills (Professional charges, Medicines, investigations) and other documents upon which a claim is based with in 60 days of discharge from the Hospital. The member shall also give additional information and assistance as the scheme may require in dealing with any claim. If a claim be in any manner fraudulent or supported by any fraudulent means of device (whether by a member or any other person acting on his/her behalf), the scheme shall not be liable to make any payment. Original bills and papers will be given back to member after verification.

c) Permissible reimbursement will be disbursed/discharges within 3 months from the submission of the original papers, bills and other documents upon which the claim is based. After verifying all the facts as prescribed by the managing committee, all payments shall be made by A/c. payee check/bank draft / Net banking only. Managing Committee will have discretion to pass/reject payment of bills in case, where they are not satisfied about the genuineness of the bills.

d) Members will be given reimbursement of 75% of total amount of the bill not exceding the sum limited to each disease..

e) A member will get a maximum of benefit of Rs. 2 Lakhs in one year.Private Hospitals have to apply for being included in the list of recognized institutions. The managing committee is empowered to add or alter or delete the name on the list of Institutes for management. It shall be communicated to all the members in advance. Members are requested to inform about the name of Institution for recognition.

f) No advance payment will be made to the member/beneficiary member.

g) The managing Committee of the Scheme shall be empowered to decide about the claims of the above diseases. State Working Committee shall be the Appellate body . No disputes can be challenged in any court of Law.

h) i) 1. Founder member will have the benefit of the scheme only after completion of 6 months of joining of the scheme. For all other members of the scheme they will get benefit only after completion of 1 year of joining the scheme, except for those who join after completion of 60 years of age. 
ii) The members who join after completion of 60 years of age will get benefit only after completion of 2 year of joining the scheme.

i) Charges of engaging a special nurse or attendant will not be reimbursed.

j) Expense incurred on travel or ambulance will not be reimbursed.

k) Food, laundry and telephone bills will not be allowed.

 

 Download Application Form                             Download Constitutional Bye Law

Download Claim form