The journey of a female bleeder : From Daddy's little princess to International Ambassador - Story of Nabila Hussenii

I have Factor V Deficiency, which is also known as Para hemophilia, a rare
bleeding disorder. Over the past 50 years, most of the world has focused on
discussions and research concerning boys with Hemophilia. However, we
know now that girls also need to be tested for bleeding disorders, and in India,
there are many people with rare bleeding disorders.

I have a clear mission – to find women who suffer from bleeding disorders and
to help them deal with various aspects of their lives. This way, they will be
able to overcome whatever challenges they may encounter. I have witnessed
how my parents faced many difficulties as I was growing up without access to
proper treatment.

When I was 8 months old, I accidentally fell off the bed, which resulted in a cut
on my lower lip that kept bleeding profusely. At the time, doctors were not
aware about Hemophilia and its treatment. When my bleeding did not stop, I was
brought to the King Edward Memorial (KEM) Hospital in Mumbai.

I did not have a normal childhood when I was growing up. I was not allowed to
play outdoors with my friends. When I was 4 and half years old, I fell down
from the stairs and suffered a brain bleed. I was on the verge of death.
Doctors in my city refused to handle my case and again, I was taken to the
KEM Hospital in Mumbai. The brain bleed not only caused me to have
seizures, I started to stammer when I spoke. I was then referred to a
neurologist and had to take medication for the next six years.

Over the years, I suffered different types of bleeds, ranging from excessive
and painful menses caused by an ovarian cyst, to getting fractures and
spontaneous bleeds in both my knees. Being a female “bleeder”, I face
different physical and personal issues compared to male hemophiliacs. Yet,
these challenges have not stopped me from living my life to the fullest.

I was once the girl who was not allowed to travel unaccompanied. But in the
past few years, my parents realized that I had gained confidence after
attending women’s workshops, and I finally went on my first overseas trip
alone to the Philippines, where I gained exposure to the work done there with
hemophilia patients.

I graduated with a Bachelor’s degree in Commerce and another Bachelor’s
degree in Education for Teaching. I have also received diploma certificates in
computer applications. Previously, I worked as a teacher for five years at a
renowned school in my city. I am currently working at an IT firm as a Quality
Assurance Officer and Content Writer.

In my spare time, I volunteer as a communications specialist and women’s
group coordinator for the Hemophilia Federation (India). More recently, I was
named as one of the ambassadors of MyGirlsBlood, an international network
of women with bleeding disorders. My hope for the future is to be an example
to other women hemophiliacs, and to strive and help others.

Getting ready for the battle field... A planned approach after Tenth standard for PwHs

Heartiest Congratulations to all the PwHs who passed Senior Secondary Examinations this year.Almost all the State Boards and CBSE have published their results.    This is time for celebration and we hope that all of you enjoy with full ebullient. Whatever the marks you secured,it  is a great example for others, because you achieved it amid bleeding episodes, severe pain and a lot of mental stress. We better understand this because we have already gone through this. I know that even amidst celebration, you all are worried about your future too. Millions of questions, doubts will be going through your minds now. What are the courses best for me?  Where should I be heading? You might be in confusion, what to choose?? Mathematics or Biology?? Commerce or Arts??

You all will be having  ambitions. Many might be aspiring to be a doctor, engineer,CA,economist, Mass communication expert and so on. Though you are totally confused about what to choose from the wide list of options, you all will be very excited too. Teens are highly enthusiastic, ambitious, motivated and ready to take up any type of pressure to fulfill their career ambitions. At the same time, you may connect your ambitions to Hemophilia. Some of you might have even envisaged Hemophilia as a barrier or obstacle in the path towards your desires.I would like to tell just this to all my dear PwH brothers and sisters, Don't worry and be happy always.We can do almost anything, be almost whatever we want to be.
If you make a list of 100 career options, you can surely find that we can do almost 90 out of that 100.We just need to follow a proper guideline.I would suggest you to go ahead according to your interests.You have a fair chance in every field. If you want to be an engineer, go for Mathematics, if you want to be a doctor/ nurse/paramedic go for Biology, and if you want to be an economist, go for Economics stream.You should definitely discuss with your parents,family,  teachers, seniors to select courses that suit your interests.You can take the help of career counselors too.

My dearest juniors, I want to suggest to you one important thing, in fact the most important thing that you should always keep in your mind, and that is balancing point. And what is that?? What is it's significance, why is it important in a hemophiliac's life? Dear PwHs, now you have entered a different phase of your life, a phase of competitive life.

These upcoming two years , are very crucial in your life. Because, you will be going ahead as per the decision you make now. It is very natural and also a cause for worry because mental stress triggers bleeding episodes. Many of you might have experienced bleeds during exams. There is a lot of difference between the pressure for your 10th Board exams and competitive pressure. You will be preparing for your 12 th Board exams and for competitive exams like Engineering entrance pre medical entrance, NIFT Entrance tests etc. at the same time.

Guys , most of us get synovitis or arthritis ( target joints)during this period. And the main reason is that we tend to focus more on career than on health. And, this is the reason for frequent bleeds and subsequent synovitis and at a latter stage, arthritis.

Let me suggest a few things to you on how to save your joints without hampering your studies and career ambitions! And guys, I tell you, It is very simple. If you follow it, you will be fit and more energetic.

Friends, that ally is discipline and will power. Let me make it simple. I say these from my experience.We should know how to maintain a balance between career pressure and health. If we put emphasis only on studies and doesn't care about proper diet, excercise or does not follow the proscription of your doctor, you will naturally invite problems for you. Proscription means the sort of works that should be avoided. Here in India , access to Factor concentrates Is limited,we don't get Factors prophylactically. In on- demand treatment, we ought to concentrate on strengthening of muscles and on mobility of joints.So , we should always try and maintain a balance between physical excercise and studies. And,this varies from person to person. Suppose there are 2 students, one with target joints and one with normal, healthy joints. The one with target joints should concentrate on fixing those joints while the one with normal ones can do all excercises learned from a good Physiotherapist.

When I was in Standard 9,I got to know about Hemophilia. By the time, I already had arthritis and weak muscles. But, I alleviated my problems by will power, dedication and a disciplined life. I am now physically active, successfully graduated with B Tech from National Institute of Technology, Patna and worked as a software engineer and Banker and is working in a coaching Institute now.

Guys, I would suggest one thing to you all, and that is to always give importance to excercises like you do to studies. Never be stressed about your grades and do not compare yourselves with anyone. If you do excercises daily follow a suggested lifestyle and learn your lessons daily, you won't have to put in extra effort or be in stress during your exams. Ups and downs are a part and parcel of life.But you should face this with courage , will power and proper planning.

I tell these out of my experience. Happiness and excercise,these are the key to success. And before I conclude,I would like the PwHs who couldn't succeed in the exams due to various reasons that you need not lose hope. Never be pessimistic. Be optimistic always and follow my suggestion and keep trying. This was not the only exam which you would be writing in your life and life never stops due to exams. Success and failure are part of life. Keep calm, do excercises, enjoy life and focus on your goals.

Hope you all shall do very well in your studies, career and life.
Thanks and regards,
Chandan Kumar and Team RedLegacy!

Welcome aboard to the Red League !!

We are proud to introduce the new members of our core team.

Chandan Kumar,Our career and academic expert,NIT Patna Alumnus, A severe Hemophiliac with inhibitors, he has worked as a software engineer and as Manager, Canara Bank. He is a career and academic coach and volunteers as Health Co-ordinator, Hemophilia Society Patna Chapter, India.

Shrinivas Kattimani, our technical head, is a severe Hemophilic,He is a software engineer in Wipro and an active volunteer of Hemophilia Society Bangalore Chapter, India.He is a techno wizard.


Vysakh T B,our creative head, is a severe Hemophilic, He is a graphic designer, short- film maker and leader of youth group, Hemophilia Society Kannur Chapter, India.

More the Merrier...Join hands with us

Dear friends,
Heartiest Greetings!!
Red Legacy was born when like minded people who wanted to create awareness about hemophilia among our community and the general public and show case achievements of Persons with Hemophilia met. We have been trying our best to provide accurate information. We are overwhelmed by the love and response. Many people evinced their interest to be a part of the Red Legacy team. We warmly welcome like minded,  enthusiastic,energetic people to enrich our team.

Enthusiasm,Commitment and willingness to share are the only requirements. You can be an advisor,contributor,volunteer,guest writer,Translator, creative writer, graphics / Web designer.
''Individually, we are a drop, Together we are an ocean!! ''
Interested people drop an email at :   redlegacy9@gmail.com
Team RedLegacy!

Get Set Go !!  Part II

Hi my dear PwHs , I got a wonderful response for  my first blog article  regarding career for
hemophiliacs . Thanks for your overwhelming response.

 I wrote about banking career in the  previous career blog of RedlLegacy. Many of our pwhs requested me to write about SSC jobs. As I promised to inform you about all opportunities which we can clench. Now  I am going to write about the SSC jobs.

SSC jobs

Staff Selection Commission is a Government of India body which conduct various
examination for Govt of India.The selected candidate mainly work in the different ministries
of Government of India in different rank. Most of the jobs are non gazetted rank officers,
clerk, multitasking staffs, stenographer and also in Delhi Police. But we are not medically fit
for police jobs -so wont talk for that post.

Let us  start the job one by one.

1.MTS : It is multitasking staff ,where you work as a fourth grade employee in different bodies
of the Government of India like income tax, excise, central secretariat and many more. SSC
conducts the test every year.

SSC Multitasking: Exam Pattern

Written examination will consist of (Paper-I) objective type paper and (Paper-II) descriptive
type as shown below:


Paper I

Paper-I will consist of Objective Type- Multiple choice questions only. The questions will
be set both in English & Hindi. There will be negative marking of 0.25 marks for each
wrong answer.

Subject Questions                                              Maximum marks

General Intelligence& Reasoning                              25 25

Numerical Aptitude                                                   50 50

General English                                                         50 50

General Awareness                                                    25 25    


 2 Hours 10.00 A.M. to 12.00

Paper II

Paper-II will be descriptive in which the candidate will be required to write short essay/letter in English or any language included in the 8th schedule of the Constitution.
Paper-II will only be of qualifying nature.

Subject Maximum

Short Essay / Letter in English or any language included in the 8th Schedule of the Constitution


Educational Qualification: Candidates must have passed Matriculation Examination or equivalent
from a recognized board


2.CHSL- SSC conducts test every year for lower division clerk and data entry operator; you work in
different organisations of the Government of India.

Educational Qualification: Candidates must have passed higher secondary examination or equivalent from a recognized board.

SSC CHSL Exam Pattern: Staff Selection Commission’s (SSC) Combined Higher
Secondary Level (10+2) Examination Pattern are given below...

Scheme of Examination: The examination will consist of a Written Examination and
Skill Test for the post of Data Entry Operator and Written Test and Typing Test for the
post of Postal Assistant/ Sorting Assistant & Lower Division Clerk on Computer.

Written Examination: The Paper will consist of Objective Type- Multiple choice questions
only. The questions will be set both in English & Hindi for Part-I,II, III & IV.

The written examination will consist of one objective type paper as shown below :

Part      Subject                                                                         Maximum

I       General Intelligence                                                  (50 Questions) 50

II      English Language (Basic Knowledge)                     (50 Questions) 50

III Quantitative Aptitude (Basic Arithmetic  Skill)           (50 Questions) 50

IV General Awareness                                                      (50 Questions) 50

Note: There will be negative marking of 0.25 marks for each wrong answer.

B. Skill Test for Data Entry Operator: The Speed of 8000 key depressions per hour on
Computer will be adjudged on the basis of the correct entry of words key depressions as
per the given passage and the duration of the said Test will be 15 (Fifteen) minutes and
printed matter in English containing about 2000-2200 strokes/key-depressions would be
given to each candidate who would enter the same in the Computer. The “Data Entry

Speed” Skill Test would be of qualifying nature.

C. Typing Test for LDCs: Typing Test will be conducted for those candidates who qualify
in the Written Examination. Such Typing Test will be conducted in English or Hindi and
candidates while applying for the Examination, will have to indicate his/her choice/option
for Skill Test Medium in the Application Form. The choice of language in the application
will be final and no change will be allowed.

Candidates opting for English medium should have typing speed of 35 words per minute
and those opting for Hindi medium should have typing speed of 30 words per minute.

3.SSC CGL-It is one of the prestigious examination among the graduates-where you work as
group B non gazetted officers /group B gazetted officers/assistants/income tax inspector/upper division clerks (UDC) and many more in different ministries of Government of India

Educational qualification: Candidate must have a graduation from any recognized
University of India.


Pattern and syllabus of examination: till the last year cgl jobs are mainly divided into two parts.


1.Interview post -Basically the non gazetted group B post are called as interview post ,where
you had to be appear for interview after qualifying in both written examination.

2. Non interview post-This is basically upper division clerk ,tax assistant ,auditor etc. The
selection is based only on the marks of written examination of tier1 and tier 2.
But from this year ,central government has decided to scarp interview from all the group B
posts.

Note-the exact examination pattern is not clear and examination date of tier1 has also be
postponed until the further clarification but the here I am going to discuss the pattern and
syllabus based on the last notification of 2016.
After the scrapping of interview from this year ,SSC had been released notification of CGL
examination pattern in 3 phase.

SSC CGL Change in New Pattern Sample Papers

The Examination will be conducted in three tiers as indicated below:

•  Tier -I – Written Examination (Objective Multiple Choice Type)
•  Tier -II -- Written Examination (Objective Multiple Choice Type)
•  Tier -III -- Computer Proficiency Test/ Skill Test (wherever applicable)/ Document

Verification

SSC CGL Tier I Exam Pattern 2016:

In CGL Tier-I exam, the questions will be given in Objective Type Multiple Choice, set in
both Hindi and English in respect of Parts A, B and C.

This exam will be common for all categories of post.

Tier I written exam

Part A (General Intelligence &Reasoning)   50 Marks -

General Intelligence with Reasoning
Part B (General Awareness)     50 Marks -General Awareness

Part C

(Quantitative Aptitude) 50 Marks -Quantitative Aptitude

SSC Tier II pattern:

Tier-II of the Combined Graduate Level Examination -2016 will be of Objective Type

Multiple Choice and will be conducted over a period of two days

Part Subject Max. Marks/

IV General Studies (Finance and Economics)

III Statistics 200 100 2 Hours

Questions 200 To be notified

I Quantitative abilities              200 100 2 Hours

II English language and comprehension 200 200 2 Hours

Important notes:

• Paper-I & II are necessary for all the categories of posts.
•  Paper-III is only for those applicants who apply for the post of Statistic Investigator Gr. II & Compiler
• Paper IV is only for those candidates who apply for the post of Assistant Audit Officer.

SSC Tier III pattern:

Only those applicants who qualify in all the papers as well as in the aggregate would be
eligible to be considered for being called for Tier – III as Data Entry Skill Test/Computer
Proficiency Test/Document Verification (as per the requirement of position applied for).

There will be negative marking of 0.25 marks for each wrong answer in Tier-I. In Tier-II,
there will be negative marking of 0.25 marks in Paper-II and 0.50 marks in Paper-I and
Paper-III for each wrong answer.

Now this is all about the examination pattern and syllabus.Now our main concern is medical
benefit.

Medical facilities in SSC jobs

Actually, Government of India provide CGHS facilities for their employee. The Central
Government Health Scheme (CGHS) was started under the Indian Ministry of Health and
Family Welfare in 1954 with the objective of providing comprehensive medical care facilities
to Central Government employees, pensioners and their dependents residing in CGHS
covered cities.

This facilities is one of the best for the hemophilics(as I think) where they get medicine directly
from the CGHS dispensary.  PwHs are eligible to get prophylaxis too. There is no
reimbursement type scheme for cghs card holder. The best part of cghs - they have their own
dispensaries in different cities of India. Right now there are a total of 25 cities where cghs
dispensary is available over India.

The Central Govt. Health Scheme is applicable to the following categories of people residing in
CGHS covered cities:

•  All Central Govt. Servants paid from Civil Estimates (other than those employed in Railway
• Services and those employed under Delhi Administration except members of Delhi Police Force)

•  Pensioners drawing pension from Civil Estimates and their family members (Pensioner residing in non- CGHS areas also may obtain CGHS Card from nearest CGHS covered City)

•  Members and Ex-members of Parliament

•  Judges of the Supreme Court and High Court (sitting and retired)

•  Freedom Fighters

•  Central Government Pensioners, Employees of Semi-Autonomous bodies/Semi Government Organisations

•  Accredited Journalists

•  Ex-Governors and Ex-Vice-Presidents of India

Now you  think ,Judge of Supreme Court of India ,IAS officers ,Vice President of India .Members of
Parliament get health facilities through this CGHS, hence we can easily envisage the facilities of cghs.

So the PwHs who are preparing for a job should seriously think about ssc jobs.

In SSC,   the PwHs who have disability certificate can apply in disable category and are entitled to
get reservation and relaxations.

Total 3% seat are reserved for the person with disability and 10 years age relaxation are also
entitled.

Note: please check the nature of disability like OL, OAL, BL etc before applying in disability.

OL-one leg,BL-both legs, OAL-one arm leg

SSC also conducts test for stenographer post. you should know the shorthand for this post.

Hope this article will help you too in career selection.

You can contact me anytime for further information.

My email id-chandanshallu@gmail.com.

All the best.

FASTER,FASTER,FASTER,....UNTIL THE THRILL OF SPEED OVERCOMES THE FEAR OF DEATH !!


A little boy, sat in his home,flying his toy car high....screaming and shouting "Vroooooooooooom....." with joy and excitement.

  The little kid was Azeer Abdulkalam from Kerala,India.The speeding wheels and the racing tracks were always his biggest passion.

Azeer is a Person with severe Hemophilia A, a condition which results in very low levels of the blood protein ,Factor VIII or Anti Hemophilic Factor , needed for the normal clotting of blood.  Hence, every single person told him, " Racing is a big NO, NO for you!"


But,Azeer firmly believes that a Person with Hemophilia can do absolutely anything a normal, healthy person can. Like most of the hemophiliacs of developing countries, Azeer too have permanent deformities in his joints due to repeated bleeds .He cannot flex his left knee  fully.But,this did not stop him. He believes in living the life to fullest and suggests not  to live in constant fear of bleeds or mishaps.It is this belief, strong will and determination, and the never ending passion for the sport that brought him so close to his life's dream.

However, chasing his dream was not at all an easy task. Because of the medical condition, and also the financial state of his family,this youngster had to bury his dreams.

He  comes from a humble background, and used to do part-time  jobs since his early years to help meet the needs of the family.At present,he is a sales personnel at a pre-owned cars showroom.He is the bread winner of the family  which include his ailing parents, sister ,wife and his little girl who is just a year old.His father suffers from renal failure and is on dialysis thrice a week.


True passion and talent will not go unnoticed.So happened with this youngster too.Diljith, a Formula 0ne racer and a National Champion from Thrissur,Kerala,happened to meet Azeer. Diljith had started a Racing Academy and was planning to build a good team for the National Championship,and he invited Azeer to be a part of it.

To be in the team,he had to pass the selection process and undergo training.He easily got through the selection process and also the first phase of training ,  "Basic" ,in the very first attempt.

To participate in the Championship,Azeer has to successfully complete the remaining 2 phases: Advanced and Pro.However,racing is a very expensive sport ,and the training and works on the car needs a lot of money.The Advanced session will need around Rupees 30,000 ($450) and a Junior Championship will need around Rupees 8,00,000 ($12,000).
Azeer is very confident that,if he completes the training and continue further,he will  win the Championship.

The race for Advanced phase is scheduled to be on the 22nd of May ,2016,which happens to be  his 26th  birthday.He adds that ,this birthday would be the most painful one in his life,if he cannot participate in the Advanced session due to any reason.

Azeer is a gifted racer, says his trainer.He has immense potential and unmatched passion for the sport. He has shown excellent performance in the races so far and if trained well, can emerge as a National Champion. 

  Little drops of water makes the gigantic ocean. We are pretty sure that this rising star will get all the deserved support and encouragement from the society for all his endeavors. 

We wish all luck to Azeer Abdulkalam!! 


You may communicate with him by email: azeerkalam@icloud.com

----Hemant Naidu Pulijala , Dr.Anupama Pattiyeri

     &Team RedLegacy !

Get,Set,Go!! 
A series on Career and Educational opportunities for PwHs


Red Legacy is pleased to announce that we are starting a series on career and education opportunities that best suits PwHs. A good job with good medical coverage is one of the biggest dreams of all persons with Hemophilia.

Mr.Chandan Kumar, Health Co-ordinator, Hemophilia Society Patna Chapter , formerly employed in Canara Bank and a Competitive Exams Coach,he is well versed in this regard, and we are proud to have him to guide you all.


A series on Career and Educational opportunities for PwHs : Banking Sector

Hi PwHs ,my name is Chandan kumar, I have severe Haemophilia A with positive inhibitor .I am 27 years old ,engineer by profession. I completed my B.Tech degree from NIT, Patna in 2011 (branch-ece).

I get many calls from pwhs  enquiring about job opportunities, and  all of them ask a common question -plethora of jobs is available,which job is best for us (hemophilics)? As we know , thousands of vacancy publish  every year in different government organisations like railway, banking ,ssc ,insurance  ,state government job etc. Hence, I am going to discuss about medical facilities available in different type of  jobs & which type of job you could get  depending  on  your qualification.

Concerns of every PwH students are very similar. And the most common  query is "Where will  we get best the medical facility?". Although every organisation, like Banking sector , Indian Railways,ESIC ,SSC etc have their own medical facility and almost all of them cover haemophilia.they are a bit different from each other and their recruitment methods are different too.So,  I  shall brief  you in this regard one by one.

We shall start with the Banking sector

Basically ,there are 3 kinds of job opportunities in this sector :

1.Clerical - IBPS and SBI conducts test for clerk every year. This is basically a  8 hours desk job where in  you work as single window operator, in  customer relationship,passbook update etc. Vacancies are state wise, so amid application filling process you have to opt the state where you want to work .This job is mainly computer based, so you have to work throughout on keyboard.
In clerical job you are entitled to get medical reimbursement.

Educational qualification-The applicant  should be a graduate  and you must have better understanding of regional language, for example,  if you opt Gujarat,  you must have a basic understanding of Gujarati .

Pattern and syllabus for  bank  tests :clerical post -

IBPS  exams for  clerical posts  have  Pre and Main written exams.

Pre exam- As per official notice ,IBPS clerk pre exam will be of 1 hour duration.

The exam is based on a model of a  total of 100 questions divided into  the following sections

1.English language    -30 questions  -30 marks

2.Numerical ability    -35 questions -35 marks

3.Reasononig ability  -35 questions -35 marks

Main exam  - IBPS clerk  main paper consist of 5 sections. i.e

1.Reasoning                                   -40 questions   -40 marks

2.English language                        -40 questions   -40 marks

3.Quantitative aptitude                 -40 questions  -40 marks

4.General Awareness                     -40 questions   -40 marks

5.Computer knowledge                 -40 questions   -40 marks.

The main examination will be of 2 hour duration.

All the examinations are on-line and computer-based.

Salary-The initial basic pay of a clerk will be Rs 18100-19800 including allowances  like HRA , medical benefits etc. Bank clerk salary in SBI is Rs. 2000/- higher  compared to other banks.

2.Bank Probationary Officer -It is an officer class job where you can work as an Assistant Manager after completion of probationary period. Promotion chance inside bank is very good and you can be a Manager within 3 years ,if you can clear all the promotional exams.IBPS , SBI and SBI associate banks conduct test every year.

Pattern and syllabus -the pattern and syllabus are same of banking clerk examination.

But after successful completion of main examination ,an  interview will also be held.Final result will be prepared after addition of 80% of mains + 20% of interview.

Medical coverage-bank have domiciliary treatment provision for Haemophilia, you would get 100% reimbursement for Factor Concentrates.

Salary - Total Salary ( without HRA ) of Bank PO comes to Rs.35,700 - 36,570. While considering the HRA into account, it becomes Rs. 37,360 - 38,700

Bank PO  salary in SBI  is Rs. 5000 to 6000/- higher compared to other banks.

3.Specialist Officer-This is basically for the ones  who have  specialised degree in respective fields

like engineering, agriculture, medical, chartered  accountant etc

The salary norms and medical coverage is similar to bank PO.

Medical coverage rule :

If you are preparing for bank examination -good news for you-banks have domiciliary treatment provision for Haemophilia .

    (i)        DOMICILIARY TREATMENT shall also be covered under this scheme i.e. treatment taken for specified diseases which may or may not require hospitalization as mentioned herein below.

Do        Domiciliary Hospitalization / Domiciliary Treatment : Medical expenses incurred in case of the following diseases which need Domiciliary Hospitalization /domiciliary treatment as may be certified by the recognized hospital authorities and bank's ’medical officer shall be deemed as hospitalization expenses and reimbursed to the extent of 100%.

·                  Cancer,

·                  Leukemia,

·                  Thalassemia,

·                  Tuberculosis,

·                  Paralysis,

·                  Cardiac Ailments ,

·                  Pleurisy ,

·                  Leprosy,

·                  Kidney Ailment,

·                  All Seizure disorders,

·                  Parkinson’s diseases,

·                  Psychiatric disorder including schizophrenia and psychotherapy,

·                  Diabetes and its complications, hypertension,

·                  Asthma,

·                  Hepatitis –B,

·                  Hepatitis - C,

·                 Hemophilia,

·                  Myasthenia gravis,

·                  Wilson’s disease,

·                  Ulcerative Colitis,

·                  Epidermolysis bullosa,

·                  Venous Thrombosis (not caused by smoking)

·                  Aplastic Anaemia, Psoriasis,

·                  Third Degree burns,

·                  Arthritis,

·                  Hypothyroidism,

·                  Expenses incurred on radiotherapy and chemotherapy in the treatment of cancer and leukemia,

·                  Glaucoma,

·                  Tumor,

·                  Diphtheria,

·                  Malaria,

·                  Non-Alcoholic Cirrhosis of Liver,

·                  Purpura,

·                  Typhoid,

·                  Accidents of Serious Nature,

·                  Cerebral Palsy,

·                  Polio,

·                  All strokes leading to Paralysis,

·                  Hemorrhages caused by accidents,

·                  All animal/reptile/insect bite or sting,

·                  Chronic pancreatitis,

·                  Immuno suppressants,

·                  Multiple sclerosis / motor neuron disease,

·                 Status asthmaticus, 

·                  Sequelea of meningitis,

·                  Osteoporosis,

·                  Muscular dystrophies,

·                  Sleep apnea  syndrome(not related to obesity),

·                  Any organ related (chronic) condition,

·                  Sickle cell disease,

·                  Systemic lupus erythematous (SLE), 

·                  Any connective  tissue  disorder, 

·                  Varicose  veins,  

·                  Thrombo  embolism ,venous thrombosis/ venous thrombo embolism (VTE), 

·                  Growth disorders,

·                  Graves’ disease,

·                  Chronic Pulmonary Disease,

·                  Chronic Bronchitis,

·                  Physiotherapyand

·                  Swine flu

  (ii)        The cost of medicines, investigations, and consultations, etc.in respect of domiciliary treatment shall be reimbursed for the period stated by the specialist in Prescription. If no period stated, the prescription for the purpose of reimbursement shall be valid for a period not exceeding 90 days.

 (iii)        ID CARD: ID Cards would be issued to all the  employees/ dependent family members/retired  employees/their dependents for the purpose of availing cashless facility in network hospitals. 

(iv)        PRE-EXISTING DISEASE: Pre Existing Diseases would be covered for reimbursement under this scheme.

  (v)        PRE–HOSPITALISATION MEDICAL EXPENSES: Medical expenses incurred immediately 30 days before the employee is hospitalized will be considered as part of a claim

(vi)        POST HOSPITALISATION MEDICAL EXPENSES:  Relevant medical expenses incurred immediately 90 days after the employee/ dependent/ retirement employee is discharged from the hospital

The PwHs who has  muscular weakness and joint arthritis can get  handicapped reservation according to 1995 disability act.

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1.http://www.linkfried.com/10-website-for-banking-preparation/

2.http://www.gr8ambitionz.com/

3.http://www.bankexamsindia.com/

4.http://bank-po.org/