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.

Some popular website for banking preparation.

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/