I:
I am, just started, reading about -AAFMA- in USA USA
II:
Is there any such felicity in India too, if so how to get details, please help, by furnishing details, etc, by which I can know more on the matter and strive to get the same felicities to the Railway Protection Force Personnel also in India- which is designated and framed as one of the Armed Force of the Union of India by the RPF Act...sending request also on Facebook-01-01-2012.
III:
Overview:
While Health Insurance is one of the most important formulation for every person, in particular the Armed Forces, The CPOs, the State Police Forces, and other Para-Military Forces/ CPMFs of the Central Govt., the Life Insurance is the paramount matter for them right from the point of recruitment to the point of retirement and even after retirement... This matter was just mentioned in brief in the VI Central Pay Commission Recommendations but what I feel nothing could materialize so far, and/or no one has taken up this issue whole heartedly. Hence, I am sending this request to you to endure to efforts to streamline the same through some organized Insurance agency like yours. As every one enjoys the facility of pension, like wise they too require constant protection of their life and health in their day to day life, at every point of place, safety and security to the physical conditioning of every person is the need of the day so that they can work with full satisfaction even at the risk of their limb and life.
In my considered view, there is no any Governmental Agency who is taking up/taking up such Life Insurance and /or the Health Insurance to them in India
Leave aside the Central Government employees and the Railways; they are having their own set of CGHS/ Railway Hospitals for their employee’s health care, while the Defence personnel are taken care of by their Defence Hospitals. Like wise the Armed Forces, etc are also having their own individual or clubbed type of health care systems in India
The VI Central Pay Commission found to have recommended for Group Health Insurance, but it seems the same is yet to be materialized.
In so far as I could perceive, from the initial entry into the Hospital as Out patient, the Doctors, now a days, mostly on contract basis, decide the treatment and further steps to be taken by each employee/patient’s condition, etc; In most of the cases, as you get the statistics from the Hospital records, etc, that, for further tests and treatment, including hospitalization, they refer them to the prescribed corporate hospitals, private agencies, who shall according to the limits of the package or so treat them and the amount in turn receive from the government. Whether these employees are also covered under Health Insurance Schemes like that of some Private Agencies/Insurance Companies, Corporate Hospitals, Insurance Companies, etc is a matter to be answered.
Leave aside the Employees State Insurance Corporation provisions, which may be for State employees but how about Central government and the Armed Forces/Police/CPMFS, etc.?
Medical expenses incurred and paid by the governmental Units on account of treatment in corporate hospitals may be checked and verified for the last one decade to know the actual expenditure on this account.
IV: The Constitution of India vide Article-21 envisaged that -'the right to life includes the right to health' and in 'right to life 'various rights included; By adopting Life insurance and the health insurance to them, and if possible to all the central government employees, even through group insurance system, etc, through government, by showing the present/future health/help lines and with each affordability amounts of installments through their pay/salary, there can be way out to moderate persons having middle/low income .
V:
YOU may be surprised to know that in the years-1970s or so, in RPF, one of our DG/RPF, Sri. R.D.Singh, IPS, has initiated/ mooted the idea to subscribe Re.1/-One Rupee per head per month from the personnel of the RPF-- from the lowest rank- constable to the highest rank-DG/RPF, which might have come to about Rs: 70,000/-pm or so- say total strength of the Force, and by the time it went on like that for some years, just imagine how much of the money brought into the account of ' RPF- Rail Surakhshak Kalyan Nidhi'. YOU can now verify from RPF Directorate on this matter and as to how its amounts are being utilized for the welfare and benefits of RPF personnel and their family members. Likewise, in the present matter also, some one has to come forward and take the lead to such wise issues...
My ambition, views and vision for 'Life Insurance' and ' Heath Insurance' for the personnel of the Armed Forces of the Union of India, including the CPOs/CPMFS,Police, etc shall be thought with present situations and for future and to attract more and more youth into these types of Central and State Forces
Kindly study on this aspect too...TQ.
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