Archive for the ‘MEDICAL’ Category

Why walking is good? [A must watch Info-graphic]

October 24, 2011 Leave a comment
Walking is good for us. .  Here is a info-graphic data explaining the benefits of walking. Watch
carefully about walking. . This might help a lot in improving the body condition both mentally and physically. .

Categories: Health, MEDICAL

Reimbursement of medical expeses – Delegation of powers to Divisional Railway Managers.

October 17, 2011 Leave a comment
No. 2011/H/6-4/policy-1                                                                        New Delhi, Dated30/09/2011

Sub- Reimbursement of medical expeses – Delegation of powers to Divisional Railway Managers.

Ref – Boards letters No. 2011/H/6-4/policy-1  dated 07.08.2008


1.   There have been demands by various zonal Railways, for enhancing the powers of the Divisional railway Managers for reimbursement of medical expenses of Railway employees, Incurred on the treatment of self of their dependents taken in emergencies in Private /non recognized  hospital and dispensaries. The matter has been examined in detail in consultation with Finance Directorate of Railway Board.
2.   In terms of the Board’s letter No. 2011/H/6-4/policy-1 dated 07.08.2008, powers were delegates tp DRMs to settle the claims with the concurrence of their associate finance for the reimbursement of medical expenses for the treatment take even without referral from AMO in private / recoginised/ non recoginised hospitals up to Rs. 10,000/- per case with a ceiling limit of Rs. Two lakh per year only.
3.   Ministry of Railways in partial modification of their above orders dated 07.08.2008 have now decided as follows:-
“Divisional Railway Managers are Delegated powers to sanction all reimbursement claims with concurrence of their associate finance for reimbursement of medical expenses  for the treatment take even without referral from AMO in private / recoginised/ non recoginised hospitals up to Rs. 25,000/- per case with an annual ceiling limit of  Rs.5 lakhs.”

Critial Illness: What a Disaster?

September 28, 2011 Leave a comment

   Ursula K. LeGuin quotes “The only thing that makes life possible is permanent, intolerable uncertainty; not knowing what comes next.”
   I agree with Ursula K. LeGuin for critical illness could strike anyone at anytime and in any place with the  modern trend of rise in lifestyle diseases that call for prompt and costly medical care. The necessity of critical insurance or health insurance with critical illness riders was strengthened with my friend Mr. Karthik being diagnosed with multiple blocks in his heart that involved a treatment of 3lac. Then one more friend told us all about the necessity of critical illness insurance and health insurance with critical illness.
   Understanding all about critical insurance and health insurance with critical insurance riders would tell us that most such health insurance policies would cover 12 critical illness besides others. They could include heart attack, coronary artery bypass surgery (CABG), cancer, kidney failure, stroke, coma, liver failure, primary pulmonary arterial hypertension, multiple sclerosis, major organ transplant, aorta graft surgery and total blindness.
   These diseases and surgical procedures could be wanted by anyone, at any time and anywhere and hence cannot be neglected at all. Health insurance companies generally undertake to pay a lump sum for the treatment of these diseases irrespective of the amount spent. Some companies may include such coverage on payment of additional premium every year. This could vary from company to company and also between companies dealing in life and general insurance. 
Features of Critical Illness Insurance
Ø It is quite possible to take up critical insurance policies or health insurance with critical insurance riders. When a critical insurance policy is taken the entire amount of the sum assured is paid on treatment of the critical insurance irrespective of the amount actually spent. Such a policy is a benefit plan.
Ø The benefit payment under the Policy will generally be paid to you on survival for more than 30 days on post diagnosis of the critical illness.
Ø However critical illness insurance will not cover ordinary hospitalization and medical expenses. While health insurance policies with critical illness riders would offer extra protection against critical illnesses with payment of additional premium. They would also pay the lump sum on the treatment of the critical illness.
Ø However one needs to understand that critical illness insurance does not have any maturity value and just offer cover in case of critical illness. Such amounts may lapse on their not occurring. Life insurance policies offering critical insurance riders have a maturity value but no maturity value is allotted for riders. Riders merely cover the risk of critical insurance. However this need not deter one from taking up critical illness insurance, as it is well worth to cover risk of high expenses with critical illness.
Ø Having a look into the premium on these policies would give us information that the amount of premium on critical illness insurance and riders for critical illness would vary depending on the age of the insured and the illnesses that are covered.
Ø Critical illness insurance could have exclusive coverage for all critical diseases or for only some, the terms and conditions varying from company to company. A check would prove useful before taking up a critical illness insurance or life insurance with critical illness riders.
Ø Tax benefits underSec 80D or Sec 80C of the Income Tax Act are available.  

Get critical insurance today

“Caution is a most valuable asset in fishing, especially if you are the fish.”

   I am sure you would not prefer to be the fish that is not cautious, for life is so sweet and short. Mr. Karthik and his family are now out to advice families like them, for they believe their experience could educate others too.
   What are you waiting for to take protection today? Information is nothing more than mental garbage if it doesn’t transfer an individual. Unimplemented knowledge is a burden. Our problem is not ignorance; but inaction. Don’t fall into this trap.
 One of these days is none of these days; today is the day to start the big job. Just browse the net, discuss with financial planners for better understanding of the coverage required and product clarity, and get quotes and rest in peace with the best critical illness insurance for you.
    The author is Ramalingam K,an MBA (Finance) and Certified Financial Planner. He is the Founder and Director ofHolistic Investment Planners ( a firm that offers Financial Planning and Wealth Management. He can be reached

Defence Civilian Medical Aid Fund (DCMAF)

July 25, 2011 Leave a comment

Office of the Principal Controller of Defence Accounts (CC)
Cariappa Road, Lucknow- 226002


Dated: 06/06/2011

The IFA (CC) Lucknow
All Sub Offices in Main Office Lucknow
MI SAOs/AOs in MO., Lucknow

                                  Sub:- Defence Civilian Medical Aid Fund (DCMAF)

 1.  A copy of HQrs office DO No. AN/VII/7089/DCMAF/11 dated 23.05.2011 for awareness of Defence Civilian Medical Aid Fund (DCMAF),which provides financial assistance to the members in case they or their dependents suffer from certain specified ailments is circulated herewith for further necessary action.

2. Further, the salient features of the DCMAF are enclosed for kind information and for giving wide publicity amongst the Officers and Staff for subscribing to the fund. The Annual/Lifetime membership fee is negligible and is based on the Grade Pay of an employee in a particular Pay Bond.

  3. Receipt of this circular may please be acknowledged.

(Sandeep Thakur)
Dy. CDA (AN)

Click here to view the features of DCMAF


Grant of Fixed Medical Allowance revised from ` 100 to ` 300 from 01 -09-2008(Railway)

June 21, 2011 Leave a comment

(Railway Board)


RBENo. 83 /2011 
New Delhi, dated 07-06-2011

The General Managers (P),
All Zonal Railways & Pus
(As per standard mailing list)

Sub:-Grant of Fixed Medical Allowance revised from  ` 100 to ` 300 from 01 -09-2008 vide Board’s letter No PC-V/2010/A/Med/1 dated 29-06-2010 to the Railway pensioners/family pensioners-clarifications -regarding

   Pursuant to receipt of references from Railway Federations etc. seeking to modify the Undertaking Form annexed with Board’s letter No PC-V/2006/A/Med/1  dated 15-09-2009 (RBE No.168/2009) so as to ensure that the pensioners/family pensioners availing OPD facility for chronic diseases are not deprived of the Fixed Medical Allowance, the matter has been examined and it has been decided to modify the Undertaking Form suitably.

   2. The revised Undertaking Form is enclosed Henceforth, Railway pensioner/family pensioners who opt to claim Medical Allowance should submit the claim for Medical Allowance to the concerned Pension Disbursing Authority in the revised Undertaking Form

3. Hindi version is enclosed

Director,Pay Commission – I
Railway Board



Kerala State Govt., announces 6% D.A. w.e.f. 01.01.2011

April 16, 2011 Leave a comment
   Dearness allowances to state Govt., employees and to the teachers coming under UGC/AICTE/MEDICAL education schemes  and dearness relief to state government  pensioners and family pensioners including those who coming under UGC/AICTE/MEDICAL education schemes and those drawing dearness relief at central rates with effect from 01.01.2001- revision order issued from the Kerala government.

Click here to download the complete D.A. order issued by the Kerala Government.

80% CGHS drugs bought locally

February 27, 2011 2 comments

   NEW DELHI: Almost 80% of the drugs purchased for Central Government Health Scheme (CGHS) dispensaries in Delhi between 2002 and 2007 were bought from local chemist while only 20% were procured through the centralized route. 

    In absolute numbers, the value of medicines purchased through local chemists stood at Rs 366.33 crore of the total expenditure of Rs 459.21 crore. 

   Similar was the story with CGHS dispensaries (which provide health care facilities for central government employees and pensioners and their dependents residing in CGHS covered cities) in Hyderabad, Bangalore, Allahabad, Patna, Kolkata, Mumbai, Pune and Guwahati. 

   Almost 74%-91% of the drug purchases between 2002 and 2007 in these dispensaries were from local  chemists, according to the Public Accounts Committee’s latest report. Also, most of the medicines in the formulary (centralized drug list) did not have a rate contract. 

   The report said the committee was given to understand that the purchase system of approaching local chemists was introduced to enable the CGHS dispensaries to supply to the beneficiaries those medicines which were not in stock. 
“Audit had pointed out that there was procurement of smaller number of medicines from the formulary list. According to the audit, CGHS dispensaries made extensive purchases of medicines from local chemists ignoring the quality and cost effectiveness of these purchases,” the PAC report said. 

   The major suppliers of these drugs purchased in bulk were generally the well-established larger pharma companies who were providing discounts upto 40% on MRP, the report said. 

   But over the period of time the system degenerated. The committee’s examination of the subject has revealed that such degeneration crept in as there was no database regarding procurement, distribution and inventory management of the drugs for which no effective monitoring could be put in place to ascertain the reasons of largescale procurement through local purchases. 

   However, the committee headed by Murli Manohar Joshi added that the health ministry lately has swung into action and taken a number of measures to cut down on local purchases as well as to bring in efficiency in the procurement system. 

   PAC said that the measures included computerization of all the dispensaries in Delhi, culling out a list of about 262 medicines that were not in the formulary of Medical Stores Organization (MSO) but frequently prescribed by doctors and procured locally, and entering into a rate contract for all these drugs.

Source –  TOI

Categories: CGHS, MEDICAL