Following appears on website:
‘The details required by retirees to fill in ONLINE registration are:
1.PF Number * 2.Date of Birth * (DD-MM-YYYY) 3.Mobile No * 4. OTP * (OTP will be sent to the registered mobile number; OTP is valid for 12 hours.)
PLEASE GO THROUGH THE FOLLOWING INSTRUCTIONS BEFORE SUBMISSION OF OPTION.
THIS FORM IS TO BE SUBMITTED FOR CONTINUATION IN POLICY BY
A) RETIRED EMPLOYEES, ALREADY COVERED UNDER THE POLICY.
OR
B) RETIRED BETWEEN THE PERIOD OF 01.10.2017 TO 30.09.2018.
*BY DEFAULT THE OPTION (WITH OR WITHOUT DOMICILIARY) CONTINUES TO BE THE SAME AS CHOSEN IN PREVIOUS POLICY.*
*ANY MODIFICATION IN OPTION, IF DESIRED, IS TO BE DONE THROUGH THIS FORM.* THE RETIREE WISE LIST OF OPTIONS (WITH/WITHOUT DOMICILIARY) IS DISPLAYED ON UNION BANK CORPORATE WEBSITE.
IF NO MODIFICATION IS DONE, THE OPTION CHOSEN IN LAST POLICY WILL BE CONTINUED FOR THIS POLICY TOO.
THIS DATA WILL BE FREEZED ON *22nd OF OCTOBER.
THIS MODULE WILL NO MORE BE AVAILABLE TO THE RETIRED EMPLOYEES AFTER THIS DATE.*
PLEASE REFER *STAFF CIRCULAR 6858 DATED 15.10.2018 FOR CLARIFICATION REGARDING SUPER TOP UP SCHEME IN INSURANCE POLICY*.
PLEASE ENSURE TO PRESERVE A COPY OF ACKNOWLEDGMENT GENERATED UPON SUBMISSION OF OPTION.
Union Bank
HUMAN RESOURCES DEPARTMENT
EMPLOYEE BENEFITS DIVISION
239, Vidhan Bhavan Marg, Nariman Point, Mumbai 400 021
STAFF CIRCULAR NO. 6858 October 15, 2018
To: All Branches/Offices,
Subject- Medical Insurance Scheme for Retired Employees Policy Period 01.11.2018 to 31.10.2019
1 . Attention is invited to Staff Circular No 6243 dated 18.09.2015 providing the details of the Medical Insurance Scheme introduced as per Bipartite/ Joint Note dated 25.052015 signed between Associations/ Unions and IBA.
2. The present Insurance Policy for retired employees will expire on 31.10.2018- and to ensure uninterrupted policy coverage, premium for renewal of the policy is to be remitted,in the month of October. 2018.
3. We are in receipt of a letter dated 09.10.2018 from the Indian Bank Association (IBA) addressed to CEOs of all, member banks. providing the revised- premium rates for renewal. of Group Health Insurance - (Retirees). The revised rates as provided by UllC are as foltows:.
OPTION
Normal Renewal (Without Domiciliary cover)
Cadre Insurance Premium per year Sum Insured
Retired Officer irrespective of grade/ scale Rs 24400/- + Rs 4392/(18% GST) = Rs.28792/- lakh only)
Retired award staff including housekeepers Rs 18301/- + Rs 3294/(18% GST) = Rs.21595/- lakh only) Three
OPTION
With Domiciliary Expenses Benefits Option (59 diseases as per retiree policy circulated through Staff Circular 6467). Annexure I
For Retired Officers - Domiciliary Cover of Rs.40,000/- with overall Sum Insured of
For Retired Award staff - Domiciliary Cover of Rs.30,000/- with overall Sum Insured of
Cadre Insurance Premium per year Sum Insured
Retired Officer irrespective of grade/ scale Rs 69808/- 12565/- (18%
CST) = Rs.82373/- (Rs Four lakh only)
Retired award staff including housekeeper Rs 52359/- + Rs.9425/- (18% CST) = Rs.61784/- Three lakh only)
Option Ill and IV
Super Top Up: Super top up is an additional Insurance Coverage beyond the regular Sum Insured, available to the retired employee on payment of extra premium, as given in the following table:
Cadre Regular Sum -Insured Super Top Up
Beyond
Regular -Sl- Extra
Premium Payable Total Sum Insured with Süper Top -up
Retired Officer Rs.5049/- Rs. 9, 00, 000/Nine lakh only)
Retired award- staff including housekeeper Rs.4657/- Seven lakh only)
The salient features of Super Top-Up Policy are as follows;
OPD treatment (Domiciliary) is not covered under this policy. In other words for all the retirees who opt for with domiciliary policy + top up, the OPD expenses coverage by default is Rs.40,000/- and Rs.30,000/- respectively for officers and award staff retiree unless opted otherwise.
The Super top up policy commences w.e.f. 01 .11.2018 and the period will be identical to the main policy date i.e. expiry date will be 31.10.2019.
-In case of: claim the basic policy will be triggered first and only if the Sum for officers and for award staff) is exhausted, the Super Top Up policy will be activated.
4. Online Registration: A portal has been designed specifically with all the above options (to continue in the policy) and also the option of withdrawal from policy which will enable the retirees to submit their option through online registration. The link to online registration has been made available at Union Bank of India Corporate Website under the "Information for Retired Staff" Portal. It will be available on Bank's website w.e.f. 15th October 2018 to 22nd October 2018.
5. Please refer to para 5 of SC 6838 dated 04.09.2018, where 15 days window for online registration was proposed. However, due to the continuous negotiations going on between IBA and UllC, the final communication was received today only i.e. 15.10.2018 as such the online registration portal will now be available only for 7 days.
6. The steps for online registration are given in Annexure ll.
7. Acknowledgment of submission: Upon submitting the application a registration number will be generated immediately. Retirees are requested to note down the reference number. If required they can also save/print the screen shot for their future reference.
8. Modification of Option: If the retired employee has already submitted his/her option -in the portal- and wish to change their previous option, upön- second/third : login, the computer Mill redirect to form B- automatically' The option Chosen previously wilt be displayed on the portal along with date. Upon modifying the option, click. on submit button. Please see Annexure IV.
9, Last Date of Online Registration: The online registration portal will be active till 23:59 of 22.10.2018.
10. Special Note: Applicable for all existing retirees, covered presently in the Medical Insurance Scheme:
The options, opted till 22.10.2018 will freeze on 23.10.2018 and deductions will be carried out immediately. Request of further modifications will not be entertained.
• Only Online registratiön to be carried out in the given portal will be acceptable.
Hard copy of consent/ withdrawal, as circulated vide previous Staff Circulars, must not be submitted for registration under ensuing policy.
Consent/withdrawalin reference to the ensuing scheme, submitted in hard copy or by email, either at branch or at Central Office stands null and void.
As informed by Insurance Company, only those retirees presently under policy with domiciliary cover, will be able to continue with the same, on payment of revised premium. No new additions will be there in the policv with domiciliary cover.
However the employees who retired between the period of 01 .10.2017 to 30.09.2018 have option to join the Medical Insurance Policy with or without Domiciliary cover irrespective of their option given at the time of retirement.
11. By Default Option: In case no option is exercised, it will be presumed that retirees have opted to continue in the ensuing policy with the same option as given for the existing policy and premium will be deducted from the registered account numbers for further remittance to UllC accordingly.
12. Bank will not be responsible for any communication sent to any other e mail ID or given to pension paying branch.
13. Those who wish to continue with the above Schemes are requested to keep adequate balance in their account as the insurance premium will be debited to their account on or after 23.10.2018.
14. If premium cannot be debited due to shortage of funds in the account/given account number being frozen/dormant etc, the Insurance coverage to such retiree staff- will stand discontinued and the Bank witt not be- responsible for non availability. of benefits [facilities under the above Insurance Policy w.e.f.
01.11.2018.
15. The facilities of cashless hospitalization and reimbursement including domiciliary (Option IT) will continue uninterrupted in all the tie-up hospitals upon renewal of policy and as per the online option exercised by the concerned retiree as stated' above for the period of 01.11.2018 to 31 .10.2019.
16. Major Modifications: Room rent ceiling is fixed at Rs.4,OOO/- as compared to earfier Rs.5,OOO/-. All other terms and conditions of the present policy remain the same as was in the previous policy including basic Sum Insured.
17, Loan facility: In order to provide financial assistance to the retired employees of our Bank to enable them to pay the Medical Insurance Premium, a special scheme under Retail Loans is under consideration, which will be informed separately.
18. Bank is in continuous contact with IBA and UllC. Any modification in option/ premium will be updated in the application portal accordingly.
19. All retired employees. are requested to co-operate with us and ensure completion of the exercise within the set timelines.
20. Contact Details: For any kind of query regarding online registration, Medical Insurance Team members may be contacted on the following numbers:
Landline- 022- 22896255
: 116250, 116252, 1 16253
Name of Officer Zones Allotted
1 . Shri Pankaj Gupta Delhi, Lucknow, Varanasi
2 Shri Anshul Jain Bangalore, Chennai, Ranchi
3 Shri Kiran Chawak Ahmedabad, Bhopal, Kolkata, Mumbai, Pune
4 Smt Shilpa Sharma Sarkar Escalation
The Central TPA may be reached at the following numbers:
Contact Person Name Landline
1. Mr Abhishek Kokate -2. Ms VarSha Vora 116255 022-22896298
Annex sc 6838
Domicitiarv Hospitalization I Domiciliary Treatment
Sr. No. Treatmerüs
1 Cancer
2 Leukemia
3 Thalassemia
4 Tuberculosis
s Paralysis
6 Cardiac Ailments
7 Pleurisy
8 Leprosy
9 Kidney Ailment
10 All Seizure disorders
11 Parkinson's diseases
12 Psychiauic disorder including schizophrenia and psychotherapy
13 Diabetes and its complications
14 Hype:tension
Hepatitis —B
16 Hepatitis: - C
17 Hemophilia
18 Myasthenia gravis
19 Wilsdn's disease
20 Ulcerative Colitis
21 Epidermolysis bultosa
22 Venous Thrombosis(not caused by smoking) Aptaslic Anaemia
23 Psoriasis
24
26 HYOOt_hSiiOidiSaq
27 Hyøetthyiöidism:e.xpenses:: andkleükemia
28 Glaucoma
29 Tumor
30 Diptheria-:
31 Malariå
32 Nön•mcoholic Cirrhosis of Liver
33
34 Typhoid
Accidents of:Serious Nature
36 Cerebral Palsy
37
38 All Strokes Leading to Paralysis
39 Haemorrhages caused by accidents
40 All animal/teptile/insect bite or sung
Chronic pancreatitis
Immuno suppressants
Domtcilta" Hospitalizatton / DomiciliarvTreatment
Sr. NO. Treatments
43 Multiple sclerosis / motor neuron disease
Status anhamaticus
Sequalea o[meningitis
46 Osteoporosis
Muscular: dygttqphies
Sleep syndrome(not related to obesity)
Any organ related (chronic) condition
SO Sickle cell disease
Systemic lupus erythematous {SLE)
Any connective tissue disorder
varicose veins
Thrombo embolism venous thrombosis/venous thrombo embolism (VT E)]
SS Growu• disorders
Graves' disease
Chronic Pulmonary Disease
Chronic Bronchitis
59 Physiothetapy and swine flu shaft be considered for reimbursement under domiciliary treatment.
Annexure Il to SC 6858 3
STEPS FOR ONLINE REGISTRATION:
GO to Union Bank of India Corporate Website, http://www.unionbankofindia.co.in, This site can be accessed through any computer having internet facility.
Go to "Information for Retired Staff" under "About Us" (About us > HR) in home page.
Click on "Online Registration Portal".
Give your PF number and Date of Birth on the login page and click on "Generate OTP". Please go through all the instruction given on the log in page before proceeding.
OTP (one time password) will be sent to the registered mobile number of the retired employee. This OTP is to be given against the desired field to proceed for online registration.
Upon providing the OTP, all personal details of the retired staff, including spouse details will be displayed in Form A. Please check the details like e-mail address, contact number and account number. In case any of the above field is
Submission of Option:
Continuation:- Online registration provides to select between Five options as given in the circular, to continue in the ensuing policy.
Withdrawal: For retirees who are presently covered under the Medical Insurance Policy but wish to discontinue the same.
Please choose the desired option and
Annexure V to SC 6858
TO BE DISPLAYED ON BRANCH NOTICE BOARD
Union Banf
Branch
Revised premium rates, as proposed by United India Insurance Company (UIIC), for Medical Insurance Scheme of Retired Employees, for the period of 01.11.2018 to 31.10.2019 are as follows;
Option Annual Premium for Clerk/ Sub Staff Cadre inc
CST Annual
Premium for Officer Cadre inc CST
1 . Without
Domiciliary Rs.21595/- Rs.28792/-
2. With Domiciliary Rs.61784/- Rs.82373/-
3. Without
Domiciliary + Super
Top UP Rs.26252/- Rs.33841/-
4. With Domiciliary + Super Top Up Rs.66441/„ Rs.87422/-
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