NOIP Circular No 14 - 2023

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570

Date: 05-04-2023

Circular No.14/2023

To,

The Chairperson,

L I C of India, Central Office,

“Yogakshema”, Jeevan Bima Marg,

MUMBAI – 400021.

Respected Sir,

Re: Renewal of Medi Claim Policy for the year 2023-24 with New India Assurance

Co Ltd

At the outset we would like to thank you for considering our demand for Increase in Compulsory

Floater Sum Insured for all Categories. You were kind enough to merge Cat III into Cat II raising

the CSI to Rs.10 Lakhs and for Cat I CSI is raised to Rs.15 Lakhs. The Pensioners remain

grateful to you.

However, many more aspirations of Pensioners were not considered while negotiating with NIA

and convincing them to accede to the following genuine demands.

1. One more chance to join the Scheme – for those who, for whatever reason are left out of

the Scheme. Last time option to join was given in 2011. It is now 12 years, at least this

time option to left outs ought to have had been given. Even now it is not too late, LIC

can impress upon the NIA to accede to this option and allow left out persons to join

the Scheme.

2. Dental treatment is excluded in our Medi Claim Policy, which is very much required at

old age and we urge upon you to intervene and ensure inclusion of Dental treatment in

our Policy.

3. Preventive Health Checkup at older age is essential. But ironically, they are not given this

facility. Health checkup every year may be allowed to Pensioners or Cash Medical

Benefit may be granted.

4. Room rent, as a separate entity was first time introduced in the Policy year 2014-15 with

1.5% of Sum Insured subject to a maximum of Rs.7,500/- per day, irrespective of place of

admission. However, in 2015-16, Room rent was based on Class of city. Places were

divided into A, B and other places. Whereas for A class cities it remained Rs.7,500/- for B

class cities it was brought down to Rs.5,000/- and for other places it was reduced to

Rs.4,000/- per day. However subsequently the Room rent in A class cities for TSI of

Rs.40 L & Rs.50 L got increased and for B City increased in 2020-21. For other

places remained static since 2015-16. Hospitals, especially after Covid period have

increased the Room rent. Hence, an increase in room rent for other places may also

be considered favourably.

5. Option to include Independent Children should be kept open every year.

6. For the first time GST on premium paid by the Insured is to be borne by him/her only.

The Insurer has also increased Tabular Premium. With the result the benefit of Increase

in Basic Compulsory Sum Insured has NOT benefited many senior citizens. They

are required to pay more premium than what they were paying last year.

We implore upon you to have a second look on the above matters and expect a favourable

decision at your end.

Thanking you,

Yours Sincerely,

General Secretary