MEDISEP Hospitals List in Malappuram

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 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.

 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.

 

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 Malappuram

Before visiting a hospital, confirm that it is MEDISEP empanelled and that your procedure is cashless-eligible.
Use the official portal or hospital helpdesk to verify: hospital code, specialty availability, pre-authorization timelines, and bed category.

How to Use Cashless at a Network Hospital

1. Carry documents: MEDISEP card/ID, Aadhaar, state employee/pensioner ID, recent prescriptions, and basic lab reports.
2. Registration: Go to the Insurance/TPA desk at the hospital and submit your MEDISEP details.
3. Pre-authorization: Hospital sends the treatment plan and estimated cost to the insurer/TPA for approval.
4. Approval SMS/Note: On approval, you’ll get an authorization number and the hospital can proceed cashless (as per package).
5. Discharge & billing: Final bill is settled directly between hospital and insurer for approved items; non-payables (if any) are paid by the patient.

What to Confirm with the Hospital

• Specialties covered: Whether your required specialty (cardiology, orthopaedics, oncology, etc.) is available under MEDISEP.
• Package vs non-package: If your procedure is a package (fixed rate) or non-package (itemised) under MEDISEP.
• Room entitlement: Bed category included in the package and any upgrade charges if you opt for a higher category.
• Exclusions & co-pay: Consumables, disposables, and items not covered. Clarify non-payables before admission.
• Emergency protocol: If it’s an emergency, ask for admit first, pre-auth next process as per policy.

Documents Needed (Cashless & Reimbursement)

• MEDISEP card/beneficiary ID, Aadhaar, employee/pensioner ID
• Doctor’s prescription and investigation reports
• Discharge summary, itemised bills, payment receipts (only for reimbursement), cancelled cheque/bank proof (for reimbursement)

Common Reasons for Claim Delay/Denial

• Incomplete pre-auth (missing clinical notes or estimates)
• Procedure not covered or not indicated as per policy
• Consumables/non-payables billed as payable items
• Late submission of documents in reimbursement claims
• Name/ID mismatch between hospital records and MEDISEP ID

Cashless vs Reimbursement — Quick Comparison

Point	Cashless (Network Hospital)	Reimbursement (If Cashless Not Used)
Approval	Pre-authorization by TPA/insurer	Claim submitted after discharge
Payment	Insurer pays hospital for approved items	You pay first, insurer reimburses eligible amount
Timeline	Faster at empanelled hospitals	Depends on document quality & submission time
Out-of-pocket	Only non-payables/co-pay (if any)	Initial full payment + later settlement

Checklist Before Admission

• Confirm hospital is empanelled under MEDISEP for your specialty.
• Ask the TPA desk about package coverage, room entitlement, and non-payables.
• Keep all documents (ID, reports, prescriptions) ready.
• Note the authorization number and keep SMS/emails for record.
• Collect discharge summary and copies of bills at discharge.

MEDISEP FAQs (Malappuram)

How can I confirm if a Malappuram hospital is in the MEDISEP network?

Use the official MEDISEP hospital search or call the hospital’s insurance/TPA desk and ask for their MEDISEP empanelment code and specialties covered.

What if the hospital refuses cashless?

Ask for the reason in writing. If it’s a pre-auth issue, request the hospital to re-submit documents. Otherwise, you may proceed with reimbursement as per policy.

Are all procedures covered under MEDISEP packages?

No. Many common procedures are package-based, but some may be non-package or require special approval. Confirm coverage and non-payables before admission.

Is pre-authorization required in an emergency?

Hospitals usually admit first and send pre-auth immediately after stabilization. Keep beneficiary ID and Aadhaar handy to speed up processing.

Grievance & Support

• Keep the pre-auth ID/authorization number and MRD number for any follow-up.
• Escalate unresolved issues with hospital TPA desk; then raise a formal grievance with policy details and documents.