MEDISEP Kerala- Health Insurance for Pensioners and Govt. Employees



MEDISEP Kerala latest news: MEDISEP Medical Insurance is a health insurance policy in Kerala. The Government launched this scheme for Government employees and pensioners. It stands for Medical Insurance for State Employees and Pensioners. The scheme covers hospitals in both Government and private sectors. Oriental General Insurance company is the insurance provider. Hence, it will be the one finalizing the MEDISEP Kerala hospital list. There are about 100 hospitals selected so far. The goal is to add more hospitals and make access to the scheme easier for the beneficiaries.

  • The tenure of MEDISEP is 3 years
  • The health insurance will be accessible to 11.30 lakh beneficiaries. It will cover not only the Government employees and pensioners but also their family members.
  • Rs. 1.5 lakh will be given under the insurance as fixed coverage. Additionally, there will be a floater (extended family coverage) of Rs. 1.5 lakh.
  • Beneficiaries who suffer from serious illnesses like cancer, heart stroke, etc. will receive Rs. 35 crore fund in addition
  • The beneficiaries will have to pay Rs. 500 per month (Rs. 6000 annually) as premium
PolicyMedical Insurance for State Employees and Pensioners
Official websiteMEDISEP
BeneficiaryGovernment employees and pensioners
Tenure3 years
Fixed coverageRs. 1.5 lakh
Additional coverage for familyRs. 1.5 lakh
Monthly premium to be paid by the beneficiaryRs. 500
Registration modeOnline

How to Fill the MEDISEP Application Form?

MEDISEP Kerala latest news

Make sure you have a good internet connection before filling out the MEDISEP application form. Given below is a step-by-step guide, read it to complete the MEDISEP Kerala registration. It is to be noted that the MEDISEP application form for pensioners and employees is different.

Step 1: Visit the official MEDISEP Kerala website.

Step 2: Click on the registration tab on the top. Choose from the options of Employee and Pensioner.

Step 3: Enter your Permanent Employees Number (PEN)/ Pension Payment Order Number and Date of Birth. Submit it.

Step 4: You will receive an OTP. Enter it and click on login.

Step 5: Enter and verify the required details and submit.

How to Track MEDISEP Status?

Once you finish the enrollment, you might need to check your status in the future. In order to track the MEDISEP Kerala status, follow the steps given below.

Step 1: Visit the official website of MEDISEP.

Step 2: Go to the tabs on the top. Click on ‘Status’

Step 3: Enter the category, PEN, and date of birth.

Step 4: Click submit. As a result, your status will be visible on the screen.

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MEDISEP Hospitals in Kerala

MEDISEP hospitals in Kerala are given as follows.

  • Century Hospital
  • Josco Multi-Speciality Hospital
  • Deepa Hospital
  • Providence Hospital
  • Poochakkal Medical Centre
  • St. Thomas Mission Hospital
  • Sagara Hospital Punnapra
  • R S Grover Memorial Hospital
  • Pills Hospital

Download the Full MEDISEP Kerala Hospital List Here

MEDISEP Insurance Benefits 

If you are still unsure about this new health scheme, give a read to the listed benefits it has.

  • It makes the cashless health treatment a reality
  • The scheme covers as much as Rs. 3 lakh of health expenses. Moreover, beneficiaries with serious illnesses get additional Rs. 35 crore corpus fund 
  • For the Government employees, pensioners, and their family members, there is no age limit (except for children)
  • If a beneficiary does not use the insurance amount in the first year, it will automatically transfer to the next year for use
  • The insurance covers around 1920 diseases 
  • Besides the expenses during hospitalization, MEDISEP covers the expenses 15 days before and after the hospitalization

Who Are the Beneficiaries of MEDISEP?

The following are eligible to get MEDISEP health insurance.

  1. Working employees of the Kerala State Government- These include teaching staff, non-teaching staff, University employees, personal staff of the CM, Ministers, Leader of Opposition, and Chairman of Financial Committees.
  2. Employees who join during the MEDISEP policy period of 3 years
  3. Part-time employees/pensioners/teachers/family pensioners
  4. Service pensioners

Which Family Members Does MEDISEP Cover?

The scheme covers the following family member and dependents.

EmployeeLegal spouse who is not eligible for MEDISEP enrollment
Adopted Child/Children who is/are Unemployed/Unmarried/below the age of 25 years
Physically disabled/Mentally challenged child/children (no age limit)Parents dependent on the employee
PensionerSpouse who is not eligible for MEDISEP enrollment
Physically disabled/Mentally challenged child/children (no age limit)
Family PensionerPhysically disabled/Mentally challenged child/children (no age limit)

MEDISEP Kerala Helpline

In case of any queries, you can contact the MEDISEP Kerala contact number. It is 1800-425-1857. The helpline remains available from 10:15 AM to 05:15 PM.

Thank you for reading this article. We hope this was informative. Use the comment section below to tell us about your views on this health insurance scheme.


How can I check my status of enrollment for MEDISEP?

Visit the official website of MEDISEP and click on the ‘status’ tab. Finally, enter your details and submit.

What is the process for filling out the MEDISEP application form?

To fill out the MEDISEP application form, visit the official website and register.

What is the PEN number?

PEN stands for Permanent Employee Number. It is a unique number that an employee gets after enrolling in the SPARK Kerala application.

Is there any MEDISEP Kerala contact number?

Yes, you can use the helpline at 1800-425-1857.

How much premium do I have to pay to enjoy the MEDISEP insurance benefits?

The monthly premium is Rs. 500