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, which provides coverage of up to Rs. 3 lakh for eligible expenses.
The key features of 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.
- MEDISEP scheme provides the coverage of 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 that 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 2025 registration
- The documents needed for the scheme include the identity card of the person, mobile number, and email id.
How to apply for the MEDISEP Health Insurance Scheme?
The registration process for MEDISEP Scheme 2025
- 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.
Important Note: The last date to apply for the MEDISEP scheme is December 31, 2022.
Steps to check the status of the MEDISEP Scheme 2025 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 | Specializations |
| 1. | Thrissur | Assisi Mission Hospital | General Medicine, General Surgery, Obstetrics &Gynecology, Orthopedics, Paediatrics Medical Management, ENT, Genito Urinary Surgery, Poly Trauma, Rheumatology, Endocrinology, Urology |
| 2. | Thrissur | Daya General Hospital | General Medicine, General Surgery, Obstetrics &Gynecology, Orthopedics, Paediatrics Medical Management, ENT, Dermatology, Cardiology, Cardio Thoracic and Cardio Vascular, Neurology, Neuro Surgery, Genito Urinary Surgery, Oncology, Poly Trauma, Pediatric surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Plastic and Reconstructive Surgery, Opthalmology, Pulmonology, Mental Health, Oral &Maxillo Facial, Interventional Radiology, Urology, Organ transplant – Kidney |
| 3. | Thrissur | I VISION EYE CARE CENTRE(a Unit of sargam eye hospitals Pvt Ltd) | Opthalmology |
| 4. | Thrissur | I Vision Eye Hospital – Koorkenchery | Opthalmology |
| 5. | Thrissur | I Vision Eye Hospital (A Unit of JASM Eye hospital) | Opthalmology |
| 6. | Thrissur | Peechis Hospital | General Medicine, General Surgery, Orthopedics, Paediatrics Medical Management, ENT, Dermatology, Cardiology, Poly Trauma, Rheumatology, Gastroenterology, Endocrinology, Opthalmology, Pulmonology |
| 7. | Thrissur | Rajah Charitable Medical Trust | General Medicine, General Surgery, Obstetrics &Gynecology, Orthopedics, Paediatrics Medical Management, ENT, Dermatology, Cardiology, Neurology, Neuro Surgery, Poly Trauma, Pediatric surgery, Nephrology, Rheumatology, Gastroenterology, Endocrinology, Pulmonology, Mental Health, Oral &Maxillo Facial, Interventional Radiology |
| 8. | Thrissur | TM Hospital(A Unit of Hrudaya Health Care Pvt Ltd) | General Medicine, General Surgery, Obstetrics &Gynecology, Orthopedics, Paediatrics Medical Management, ENT, Poly Trauma, Rheumatology, Gastroenterology, Endocrinology |
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 |
MEDISEP Cashless Treatment — Quick Guide for Thrissur
Before admission, confirm that the hospital is MEDISEP empanelled for your required specialty and that your procedure is cashless-eligible. Use the official portal or the hospital Insurance/TPA desk to verify the hospital code, specialty availability, pre-authorization turnaround time, and room/bed category.
How to Use MEDISEP Cashless at a Network Hospital
- Carry documents: MEDISEP card/beneficiary ID, Aadhaar, employee/pensioner ID, recent prescriptions, and basic lab reports.
- Register at the TPA desk: Provide MEDISEP details; fill the cashless request form.
- Pre-authorization: Hospital sends diagnosis, treatment plan and estimated cost to insurer/TPA for approval.
- Approval note/SMS: On approval, an authorization number is generated and the case proceeds as cashless (as per package terms).
- Discharge & billing: Approved items are settled directly between insurer and hospital; non-payables (if any) are paid by the patient.
What to Confirm with the Hospital (Thrissur)
- Specialties covered: Cardiology, Orthopaedics, General Surgery, Obstetrics/Gynaecology, Oncology, etc. under MEDISEP empanelment.
- Package vs Non-package: Whether your procedure is billed as a package (fixed rate) or itemised; clarify inclusions.
- Room entitlement: Bed category permitted under your plan and any upgrade charges.
- Exclusions & co-pay: Ask for a list of non-payables (consumables, disposables, personal items).
- Emergency protocol: For emergencies, admission first; pre-auth immediately after stabilization.
Documents Needed (Cashless & Reimbursement)
- MEDISEP card/beneficiary ID, Aadhaar, employee/pensioner ID
- Doctor’s prescription and investigation reports
- Discharge summary, itemised bills, receipts (reimbursement), cancelled cheque/bank proof (reimbursement)
Common Reasons for Delay/Denial
- Incomplete pre-auth (missing clinical notes/estimates)
- Procedure not covered as per MEDISEP policy
- Non-payables included in claim without justification
- Late submission of reimbursement forms/documents
- Name/ID mismatch between hospital records and MEDISEP ID
Cashless vs Reimbursement — Quick Comparison
| Point | Cashless (Network Hospital) | Reimbursement (If Cashless Not Used) |
|---|---|---|
| Approval | Real-time pre-authorization by insurer/TPA | Claim after discharge with complete documents |
| Payment | Insurer pays hospital for approved items | Patient pays first; insurer reimburses eligible amount |
| Timeline | Usually faster at empanelled hospitals | Depends on documentation and submission timelines |
| Out-of-pocket | Only non-payables/co-pay (if any) | Initial full payment; later settlement |
Checklist Before Admission (Thrissur)
- Confirm the hospital is MEDISEP empanelled for your treatment.
- Ask the TPA desk about package coverage, room entitlement and non-payables.
- Keep all documents (ID, reports, prescriptions) ready in original + photocopies.
- Note the authorization number and keep SMS/emails as proof.
- Collect discharge summary, itemised bills and reports at discharge.
MEDISEP FAQs (Thrissur)
How do I confirm if a Thrissur hospital is in the MEDISEP network?
Use the official MEDISEP hospital search or contact the hospital’s Insurance/TPA desk to confirm their empanelment code and covered specialties.
What if the hospital denies cashless?
Request the reason in writing. If pre-auth was incomplete, ask the hospital to re-submit. Otherwise, proceed with reimbursement as per policy.
Are all procedures covered under MEDISEP?
No. Many common procedures are covered via packages; some are itemised or require special approval. Clarify inclusions and non-payables before admission.
Can I get admitted in emergency without prior approval?
Yes. For emergencies, hospitals usually admit first and send pre-authorization immediately after stabilization.
Grievance & Support
- Keep the pre-auth ID/authorization number and MRD number for follow-ups.
- Escalate unresolved issues via the hospital TPA desk, and then raise a formal grievance with all supporting documents.