MEDISEP (Medical Insurance for State Employees and Pensioners) is a health insurance scheme for government employees and pensioners. Solely available to residents of Kerala, MEDISEP is the country’s largest health insurance scheme.
MEDISEP health insurance scheme was initially announced in the 2017-2018 budget (without a specific name) speech by the Department of Finance, Government of Kerala. However, it was officially launched on July 1st, 2022, by Pinarayi Vijayan, the chief minister of Kerala. MEDISEP is a cashless facility that provides coverage of up to Rs. 3 lakh for eligible expenses.
The key features of the MEDISEP Health Insurance Scheme are as follows:
- MEDISEP Health Insurance Scheme is a state scheme only available for employees working for the Kerala government as well as retired pensioners.
- In a lifespan of three years, the scheme will benefit 30 lakh people in the state.
- The MEDISEP scheme provides coverage for Rupees Three Lakh annually for eligible expenses.
- The scheme covers about 1920 medical treatments and surgical procedures.
- The health insurance scheme states that a patient has to be admitted to a hospital (registered under the scheme) for at least 24 hours to avail of the benefits.
- Total expenses of 15 days before and after hospitalization, along with financial aid, will also be covered under the scheme.
- Employees who joined services during the three years of the scheme can avail of its benefits by paying a premium of Rs. 500 per month.
Who will benefit from the MEDISEP Health Insurance Scheme?
- MEDISEP scheme will benefit all employees working for the State Government (according to the act of 1960), including teaching and non-teaching staff of aided schools and colleges.
- Employees of the High Court of Kerala are eligible to avail the benefits of the scheme.
- The university staff, who have received the grant in aid from the state government.
- Pensioners of the teaching and the non-teaching staff of the aided schools and colleges and universities who are all retired and have received grants from the state government and LSGls (local self-government institutions) are considered beneficiaries of this scheme.
- This scheme will also include newly recruited staff and their families, part-time teachers, contingent employees, and non-teaching staff on a compulsory basis.
- It’s mandatory for all individuals included in the above categories to participate in the scheme.
Document required for MEDISEP Scheme 2022 registration
- The documents needed for the scheme include the person’s identity card, mobile number, and email ID.
How do you apply for the MEDISEP Health Insurance Scheme?
The registration process for MEDISEP Scheme 2022- Visit the official website of the MEDICEP scheme.
- On the homepage, click on the register option, and a new page will open.
- Fill out the application form with all the details required (job profile, department you work in, etc.).
- Upload mandatory documents.
- Review the application to make sure the information is correct, and then click submit.
Steps to check the status of the MEDISEP Scheme 2022 online application
- Visit the MEDISEP Scheme’s online portal.
- On the homepage, select the “Status” option.
- Then, a new window will open, and enter Employee ID/PEN/PPONO, DoB.
- Now, click on the search tab and get the MEDISEP application status.
- Get a printout or download the result.
| Sl no | District | Hospital Name Address | Specializations |
|---|---|---|---|
| 1 | Kozhikode | Al salama Eye Hospital | Ophthalmology |
| 2 | Kozhikode | Ascent ENT hospital | ENT |
| 3 | Kozhikode | Comtrust eye Hospital | Ophthalmology |
| 4 | Kozhikode | Co-operative Hospital vadakara | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Genito Urinary Surgery, Poly Trauma & Critical Care, Nephrology, Rheumatology, Endocrinology, Pulmonology |
| 5 | Kozhikode | Dr Sreekanth Eye Hospital | Ophthalmology |
| 6 | Kozhikode | EMS, Mukkom | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, Paediatrics, Nephrology, Rheumatology |
| 7 | Kozhikode | EMS Hospital,Perambra | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Cardiovascular & Cardiothoracic surgery, Neurology, Genito Urinary Surgery, Poly Trauma & Critical Care, Pediatric Surgery, Nephrology, Rheumatology, Endocrinology, Pulmonology |
| 8 | Kozhikode | Fathima hospital | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Cardiovascular & Cardiothoracic surgery, Neurology, Neurosurgery, Genito Urinary Surgery, Poly Trauma & Critical Care, Pediatric Surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Plastic Surgery, Pulmonology |
| 9 | Kozhikode | GMC Ortho Hospital Nadakkavu | General Medicine/Surgey, General Surgery, Gynacology, Orthopedics, ENT, Paediatrics, Nephrology, Rheumatology |
| 10 | Kozhikode | Karunya cardiac centre | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics |
| 11 | Kozhikode | KMCT Medical college | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Cardiovascular & Cardiothoracic surgery, Neurology, Neurosurgery, Genito Urinary Surgery, Oncology, Poly Trauma & Critical Care, Pediatric Surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Plastic Surgery, Pulmonology |
| 12 | Kozhikode | kozhikode Distrcit corporative Hospital | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Poly Trauma & Critical Care, Nephrology, Rheumatology |
| 13 | Kozhikode | Lisa hospital | General Medicine/Surgery, General Surgery, Gynecology, Nephrology, Rheumatology |
| 14 | Kozhikode | Malabar Institute of Medical Science | General Medicine/Surgery, General Surgery, Orthopedics, Cardiology, Cardiovascular & Cardiothoracic Surgery, Oncology, Ophthalmology, Catastrophic packages |
| 15 | Kozhikode | Malabar eye hospital | Ophthalmology |
| 16 | Kozhikode | Malabar Medical College Hospital | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Cardiovascular & Cardiothoracic surgery, Neurology, Genito Urinary Surgery, Poly Trauma & Critical Care, Pediatric Surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Plastic Surgery, Pulmonology |
| 17 | Kozhikode | MVR CANCER CENTRE AND RESEARCH INSTITUTE | Oncology |
| 18 | Kozhikode | MIMS THANAL Dialysis Centre | Nephrology |
| 19 | Kozhikode | National Hospital | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, ENT, Paediatrics, Cardiology, Cardiovascular & Cardiothoracic surgery, Neurology, Neurosurgery, Genito Urinary Surgery, Oncology, Poly Trauma & Critical Care, Pediatric Surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Pulmonology |
| 20 | Kozhikode | Nephroplus Hospital | Nephrology |
| 21 | Kozhikode | Puthalath Eye Hospital | Ophthalmology |
| 22 | Kozhikode | Red Crescent Hospital | General Medicine/Surgery, General Surgery, Gynecology, Orthopedics, Nephrology, Rheumatology |
| 23 | Kozhikode | Shanthi hospital | General Medicine/Surgery, General Surgery, Orthopedics, ENT, Paediatrics, Poly Trauma & Critical Care, Nephrology, Rheumatology |
| 24 | Kozhikode | Shiba hospital | General Medicine/Surgery, General Surgery, Gynecology, ENT, Paediatrics, Nephrology, Rheumatology |
| 25 | Kozhikode | Trinity eye hospital | Ophthalmology |
| 26 | Kozhikode | V trust hospital | General Medicine/Surgery, General Surgery, Gynecology, ENT, Paediatrics, Nephrology, Rheumatology |
| 27 | Kozhikode | District Government Hospital, Vadakara | Govt |
| 28 | Kozhikode | Government General Hospital Kozhikode | Govt |
| 29 | Kozhikode | Govt Taluk Hospital Thamarassery | Govt |
| 30 | Kozhikode | Govt. Taluk Hospital Kozhikode | Govt |
| 31 | Kozhikode | Govt.Hospital For Women & Children, Kottaparamb, | Govt |
| 32 | Kozhikode | Institute Of Chest Diseases Govt.Medical College Kozhikode | Govt |
| 33 | Kozhikode | Institute Of Maternal And Child Health, Govt. Medical College Kozhikode | Govt |
| 34 | Kozhikode | Medical College Kozhikode | Govt |
| 35 | Kozhikode | Taluk Head Quarters Hospital , Koyilandy | Govt |
| 36 | Kozhikode | Taluk Hospital Nadapuram | Govt |
| 37 | Kozhikode | Taluk Hospital Balussery | Govt |
| 38 | Kozhikode | Taluk Hospital Kuttiady | Govt |
| 39 | Kozhikode | Taluk Hospital Perambra | Govt |
Check Hospital List of Other Districts and Cities
| City Name | Hospital list |
| Thiruvananthapuram | Click Here |
| Kozhikode | Click Here |
| Thrissur | Click Here |
| Alappuzha | Click Here |
| Malappuram | Click Here |
| Kottayam | Click Here |
Cashless in Kozhikode — Quick Notes That Actually Help
Seen this a lot: people reach hospital, papers half-ready, cashless gets delayed. Keep it simple and tight:
- Carry: MEDISEP ID, Government ID, eHealth ID (ABHA) if you have it, and latest employee/pensioner card.
- At admission: say “MEDISEP cashless” at the TPA desk. They start pre-authorisation with insurer/TPA.
- Emergency? Hospital can admit first and send pre-auth in parallel. Don’t panic; keep ID copies ready.
- Mismatch in name/age? Fix it early. Small typos stall claims more than the illness does.
Pre-Auth Moves Faster When You Have:
- Doctor’s provisional diagnosis or admission note
- Basic tests (if already done): CBC, X-ray, etc. — clean scans help
- Your insurer/TPA card or number (if issued)
Discharge Day — Don’t Miss These
- Ask for final bill break-up and what’s non-payable (you pay that part).
- Collect all papers: discharge summary, investigation reports, pharmacy bills (stamped).
- If cashless not approved fully, ask for partial cashless + balance reimbursement process.
Note: This is practical guidance. Always follow the official MEDISEP instructions shown on the state portal and your hospital’s TPA desk.
Investor Update: PACL Refunds – What Many Miss
If you’re sitting with a PACL certificate and haven’t got your refund yet, here are some real-world notes based on recent status updates:
What’s been paid
- Smaller claims (up to ~₹20,000) have largely been processed — over 22 lakh applications completed.
- The amount disbursed till March 2025: about ₹1,163 crore.
Why your refund might still be pending
- Claim amount above approved slab.
- Deficiencies in your application: wrong certificate number, missing docs or incorrect details.
- Waiting for next notification from the Lodha Committee/SEBI with dates.
What you should do now
- Check your status on the official portal: sebipaclrefund.co.in
- Gather your documents: certificate, PAN, bank details, proof of investment. If you got a “deficiency” notice, act quickly.
- Keep the reference number handy. Set a reminder for yourself (e.g., “Check status every 30 days”).
Real-World Tips for Using MEDISEP Cashless in Kollam
Let’s keep this direct: finding empanelled hospital is one thing, getting a smooth cashless stay is another. Here’s what people often miss in Kollam and how to avoid issues.
Before you go to hospital
- Check the latest list on the official portal (Kollam > Private hospital count = 41) — policies and empanelment update.
- Carry your MEDISEP ID, govt photo ID, and your employee/pensioner card (if you are covered under that scheme).
- If you’re going for planned treatment (not emergency), call the hospital’s TPA desk ahead: ask “Are you cashless under MEDISEP?” Ask for the approval timeline.
At hospital & treatment time
- Declare upfront: “I want MEDISEP cashless admission.” If the hospital says reimbursement only, you may end up paying out-of-pocket first.
- Pre-authorisation is key — ask for the reference number. Save it.
- Get a copy of interim bills if treatment spans days. Non-payables or co-pay items can sneak in if you don’t track.
At discharge
- Review final bill thoroughly: which parts MEDISEP will settle and which you pay. Ask “What is non-payable?”
- Ask for full receipts, doctor’s summary, investigation report. These help if there’s a later correction.
Note: This advice is based on real users. Every case differs — check your specific hospital/TPA rules for Kollam.