PROFESSIONAL PROTECTION SCHEME (PPS)

Jurisdiction

Any claim arising within the jurisdiction of Kerala State alone will be entertained by the Scheme.

How to join the Scheme

Membership application forms are available with State Office bearers of IMA and the President/Secretary of IMA Branches. The Application form has to be promoted by the President/Secretary of the IMA Branch and sent to the Hon. Secretary of P P Scheme. The membership in the Scheme will be finalised only after verification of IMA membership and clearance from IMA State Headquarters. A member can join for one or more units of the scheme to get additional benefits in multiples and the membership fee for each unit is as follows.

    Membership Fee

First Year                                                2000/-

Second Year                                           1900/- ( if no claim)

Third Year                                               1800/- ( if no claim)

Forth Year                                               1700/- ( if no claim)

Fifth Year                                                1600/- ( if no claim)

Sixth Year and thereafter                      1500/- ( if no claim)

   Renewal of Membership

Renewal intimation letter is sent from the Office before one month of due date. The renewal form should be forwarded by the branch president / secretary. Copy of the forwarding letter obtained from the branch president/secretary can be used for renewal of all the schemes during the IMA year. One month grace period from the due date is allowed by the Managing Committee. Remember the Joining date, Membership Number and Renewal the Membership in IMA and PPS before the due date.

Benefits

Litigations will be fought up to the Supreme Court of India, touphold the dignity of Modern Medical Fraternity, subject to the decision of the Managing Committee of the Scheme.

Dropping Out from the Scheme

Members who are not renewing their membership on the due date, a second intimation letter will be sent after 15 days, under certificate of posting, with a copy each to the District Representative of PP Scheme and to the Branch President and Secretary. If the member still does not renew his membership, a registered letter is sent. Even after 15 days from the date of sending the registered letter if the member is not renewing the Membership, the member will be dropped from the Scheme. The dropped member can join the scheme as a new member by remitting the required membership.

WHAT TO DO IN CASE ANY LEGAL ACTION IS INITIATED

AGAINST DOCTORS

1. Never panic.

2. To inform the District Representative of PP Scheme immediately, if any professional problem arises.

3. Send the following details to the Secretary within one week of the receipt of notice/plaint/petition/complaint, with a copy to your District Representative:

 

(a) The Membership No. in P P Scheme and details of IMA Membership.

(b) Copy of the notice/plaint/petition/complaint and copy of summons/notice in case of Court cases.

(c) Copy of the case-sheet/case records.

(d) A detailed treatment summary with investigation results and giving explanations as needed. Extracts from standard text books or journals in support of the treatment may also be furnished giving name of book, author, edition, volume, page no. etc.

(e) A reply in one’s own words regarding the allegations contained in the notice or complaint, given paragraph wise.

(f) Full contact address including phone numbers, fax no., e-mail, mobile no, etc. should be given without fail.

(g) Please do not send any reply by the member or through any advocate without the permission of PP Scheme Secretary otherwise the member will lose the coverage under PP Scheme.

 

 

 4. If the case does not fall within the Scheme, a DD for Rs. 2000/- in favour of P P Scheme of IMA, Kerala State payable at ‘Perinthalmanna’; for drafting reply for advocate Notice and Rs. 2500/- for drafting a detailed reply to complaint in court (for IMA doctors who are non-members of PP Scheme), Rs. 3000/- for doctors who are non-IMA and non-PP Scheme members and Rs. 3500/- for institutions and out of State cases.

 

Download Application form of PPS

 

 

SOCIAL SECURITY SCHEME I  (SSS 1)   

 

Aims and Objectives

1. The main aim of the scheme is to give financial support to the bereaved family of a member of the scheme in the event of unfortunate death.

2. Charitable activities to help those who are in need of financial assistance for their treatment at the request of local branches of IMA.

Eligibility of membership

Any member of IMA Kerala State Branch below the age of 55 years is eligible to Join the scheme provided

a) Any member above the age of 50 but below 55 yrs should have a continuous membership of 5 years in IMA on the day of joining the scheme.

b) Any member above the age of 40 but below 50 yrs should have a continuous membership of 2 years in IMA on the date of joining the scheme.

c) For those IMA members who are below the age of 40 continuous membership in IMA is not mandatory.

Life membership

Any life member of IMA KSB who are eligible to join Social Security Scheme can become a life member of the scheme by making a one time lump sum payment of Rs. 2,00000/- towards the scheme. They need not make any further payment after this.

Admission fees

Admission fees vary from Rs. 1000 to 3000 depending on the age of the member at the time of joining the scheme.

Initial subscription for the ordinary membership

The initial subscription is comprised of admission fees and annual subscription of Rs. 300/-. Out of this 300 Rs.50 shall be paid to support the activities of IMA KSB. The amount to be paid to the scheme at the time of joining the scheme is given below.

  

Age Group

Admission Fee

Annual Subsription

Total Amount

Below 30Yrs

1000

300

1900

30-40 Yrs

1500

300

1800

40-45 Yrs

2000

300

2300

45-50 Yrs

2500

300

2800

50-55 Yrs

3000

300

3300

 

The amount has to be paid as DD or Cheque drawn in favour of Social Security Scheme payable at Kozhikode. Those who are making online payment, the counter foil (original) should be sent to the scheme office.

How to join the scheme

The filled up application form with the stipulated amount and the document to prove the age can be submitted to the branch secretary or to the honorary secretary of the scheme. The branch secretary, the district representative or the honorary secretary of the scheme can be contacted for application forms.

Branch Secretary’s Duty

At the time of sending new application date of joining IMA should be verified, annual/life membership in IMA should ascertained and years of continuous membership in IMA should be clearly written. For renewal of membership in SSS I/II certificate from branch secretary should be obtained by all members of the scheme irrespective of annual/life membership in IMA. All effort should be taken to do this most memberfriendly.

Yearly contribution for renewal of ordinary membership.

Every year Rs. 300/- has to be paid as annual subscription for 20 years. Apart from this Rs. 200/- for each death for a maximum of 35 deaths in a year has to be paid for 20 years. The exact amount to be paid each year will be intimated by the scheme secretary individually on 3rd week of January. Last date for payment with out fine is February 28th and with a fine of Rs.25/- per month is May 31st.

Honorary members

Those who have completed 20 years of payment will be honorary members of the scheme. They need not make any further payment towards the scheme but will enjoy all the benefits of an ordinary member.

Fraternity benefit

In the event of unfortunate death of a member, the nominee / legal heir will be given an amount equivalent to 150 times the current net membership of the scheme. This amount will increase with the increase in membership of the scheme. The net membership is calculated by deducting the total Number of demises + total number of resignations + total number of deletions + total number of honorary members from the total enrollment number on the previous day of death. The fraternity benefit will be paid to nominee/nominees/legal heirs only if the member has been a member of the scheme for atleast 1 year from the date of joining the scheme.

Nominee

Whenever you join the scheme, you can nominate one or more persons to receive the fraternity benefit. The nominations can be changed at any time in due course if necessary. For this you have to write to the scheme secretary and secretary will send you the proforma for change of nominee.

Disbursement of the fraternity benefit

In the event of death of a member, the honorary secretary of the local branch will inform the matter to the scheme secretary. The scheme secretary will send a claim form to the branch secretary. The completed claim form along with the original policy document has to be submitted to the scheme office. On receiving this, the scheme secretary will send a DD in favour of the nominee/nominees to the branch secretary who in turn will hand over the same to the nominee/nominees. The financial help will be given irrespective of the cause of death of the member.

Termination of the membership

If the annual subscription and fraternity contribution as demanded by the scheme secretary is not paid by 31st May of every year, a registered notice will be send to the member, if the member does not make the payment with in 15 days of receipt of this letter, then the membership shall stand terminated forthwith. As per the rules and bye-laws of Social Security Scheme/ SSS-II if any member at any time for any reason ceases to be a member of IMA KSB his membership of the scheme shall cease automatically. Make sure to renew your membership in IMA every year.    

 

Download Application Form of SSS

 

For more details, visit www.imakerala.net

SOCIAL SECURITY SCHEME II (SSS II )  

Every member of Social Security Scheme II shall pay Rs.500/- as annual subscription for a period of 25 years. Out of this Rs.150/- will be credited to the family benefit fund and Rs. 100/- shall be paid to support the activities of IMA KSB.

Eligibility for membership

Any Life member of Kerala State Branch of IMA below the age of 60 years on the day of joining are eligible to become a member of scheme II provided.

a) A life member of 55 years and below the age of 60 years has a continuous membership of IMA KSB at least for 5 years on the day of joining the scheme II.

b) A life member of 45 years and below the age of 55 years has a continuous membership of IMA KSB at least for 3 years on the day of joining the scheme II.

c) For a life member below the age of 45 years period of continuous membership in IMA is not mandatory.

Admission fees

Admission fees varies depending on the age at the time of joining the scheme.

 

Age

Total Amount (Rs)

Below 30 Yrs

3000

30 Yrs and below 35 Yrs

3500

35 Yrs and below 40 Yrs

4000

40 Yrs and below 45 Yrs

5000

45 Yrs and below 50 Yrs

7000

50 Yrs and below 55 Yrs

10000

55 Yrs and below 60 Yrs

15000


Annual subscription

Every member of Social Security Scheme II shall pay Rs.500/- as annual subscription for a period of 25 years. Out of this Rs.150/- will be credited to the family benefit fund and Rs. 100/- shall be paid to support the activities of IMA KSB.

Fraternity contribution

Every member of the scheme II shall pay a fraternity contribution of Rs.300/- per death for a continuous period of 25 years.

Honorary member

Those who make payments for 25 years continuously need not make any further payment. They will remain as honorary members of the scheme with all the benefits of an ordinary member.

Member’s disqualification

Every member of the scheme II shall pay the annual membership (Rs. 500/-) and fraternity contribution at the rate of Rs. 300/- per death. The secretary of the scheme will send individual demand notice in the 3rd week of July showing the exact amount to be paid. The last date for payment with out fine is 30th September every year, after that there will be a fine of Rs. 100/- per month. If the member does not make the payment with in 90 days a registered notice will be send at the members cost. The membership shall stand terminated if the member does not make the payment within 15 day of receipt of the notice.

Fraternity benefit

The bereaved family of the member will receive an amount equivalent to 300 times the current net membership of the scheme.Net membership is calculated by deducting the total number ofdemises + total number of resignations + total number of deletions + total number of honorary members from the total enrollment number on the previous day of death. The present fraternity benefit is Rs. 14.95 lakhs. The fraternity benefit will be paid to nominee/ nominees/legal heirs only if the member has been a member of the scheme for atleast 1 year from the date of joining the scheme.

How to join the scheme

Application forms can be obtained from the branch secretaries. District representatives or from the honorary secretary of the scheme. Filled up application forms with documents to prove the age and copy of the life membership certificate along with the Cheque or DD for appropriate amount can be handed over to the branch secretary or can be directly send to the scheme secretary. Policy document will be sent to all the members with in a month of receipt of the application form and realisation of the Cheque. Payment to Scheme II has to be made as DD / Cheque drawn in favour of Social Security Scheme II payable at Kozhikode.

 

Download Application form of SSS II

                
  For more details, visit www.imakerala.net

Senior Social Security Scheme (SSSS)

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.

 

 Download Application Form of SSSS