Kollam: Kerala has its own malpractice insurer, the National Office of Occupational Insurance (NIOI), which will be the main insurance provider for the state government for the next 10 years.
The government had announced a three-tier scheme for state governments to buy insurance for all employees and government contractors, but it has not done the same for the NIOI, which has a cap of Rs 2 lakh for individual malpractice claims.
As per the Kerala government’s website, the Nioi is set to start providing its services in the State in August 2019, which is just a few months away.
Kerala’s State Insurance Corporation (SIC) is planning to buy the insurance from NIOB, the company owned by the Kerala Government, which already provides the service in other states.
However, the Kerala Council of Insurance Professionals (KCOIP) has decided not to purchase the N-OI scheme from NioB, fearing that the scheme may not be viable.
Kerala Health Minister Ramakrishna Venkataraman told The Hindu that he was informed by Kerala government officials that the Kerala Health Ministry has not taken up the proposal of the Kerala council of insurance professionals (KCoIP) to purchase insurance from the NOOI.
The minister added that there is a strong likelihood that the plan of the council of the insurance professionals would be dropped.
“There is a lot of pressure from the Kerala State Council of State Insurance Professionaries to get the plan dropped and not purchase the plan from the insurers, but we have been told by the KCOIP that the Government will not purchase it.
We are not prepared to make such a decision on our own, we are under the government of Kerala government, and it will be decided by the government,” the minister said.
The Kerala Government has also said that the government would purchase the insurance in its own name.
“We have already made a deal with the insurers.
The government has also already offered the plan to them for the purchase of the plan.
But the insurance company will have to buy it from the state,” Venkaraaman said.
When asked about the NLOI policy for private insurance, Venkaran added, “They have no idea what we have.
The plan was given to us by the state, and there is no option to get it from a private company.”
Venkaraan, however, said that Kerala government will be using the Kerala Insurance Authority for the payment of the claim.
“It is our policy to use the Kerala insurance authority, as we are already using the Central Government for payment of our malpractice claim, and the Kerala Institute of Medical Sciences (KIMS) will be providing payment of claim for our government contractors.
But we are using the central government for payment.
We have also paid the claims from the State Government.
There is no other option but to use this state’s insurance authority for the government’s claim,” the health minister said, adding that the State Council has been informed that the state insurance department is planning on paying the claim of the employees of the State government contractors who are eligible for government contracts.