Friday, June 7, 2013
Can ESI Hospitals cater to Industrial retirees from Private sector?
Extension of facilities of Hospitals and Dispensaries under the management of Employees State Insurance Corporation – Universal Health Care for retired Employees.
Senior Citizens retired from private establishments, do not get any government pension. When in service, their heath care needs were taken care by their private employers through the Employees State Insurance Corporation run dispensaries and hospitals and in case of out of
ESI employees, through a group insurance medical scheme.
Once retired from service, this group totally depend upon private hospitals and pay their cost of health care from their savings. In case of major illness, entire saving is wiped out, in the absence of any Insurance Scheme. For these retired employees the total health care cost includes, their own plus their dependent spouse and children. If the Senior Citizen is diagnosed with a critical disease, it threatens the entire household financial security.
Possessing a pink ration card(
APL) due to his earnings while in service, the Seniors are denied
health care security under the Govt. schemes
like Arogyasree etc..The State
Government has initiated an action to include more and more
beneficiaries to the Arogyasree Scheme and have decided to extend the scheme to
the retired state govt. pensioners.
Then, what happens to the poor retired
non-pension seniors from private service? Which suitable
scheme will give them health care security. When the government is spending crores and crores of money on
Arogyasree, why exclude this small
percentage of the retired people from
With advancement in medical science, people won’t die, they will be on their beds with one or the other chronic illness needing heavy expenditure on cost of medicines and Hospital Expenses, helpless holding a PINK RATION
in their hands.
Extension of the facilities of Hospitals and dispensaries under the E.S.I. to all the retired persons who are otherwise not covered under any other health scheme sponsored by the Government, the government to an extend help those citizens who are otherwise neglected for their health care.
Suggestion for method of operation:
Under this scheme
may extend these services of hospitals and dispensaries by issuing smart cards like Arogyasree if it is
desired by collecting one time premium
on yearly basis by renewals.