NHFDC : A helping hand to persons with disability

A ray of light is enough to annihilate the darkness. Sun rises after sunset.

Similarly NHFDC is a light of hope for  PWD (Persons with disability)

If you have will, courage, enthusiasm- thousand of government and non government organisation
come forward to help you.

Let us  know about NHFDC , grab the opportunity and annihilate the darkness..

National Handicapped Finance and Development Corporation is  basically a unit of Govt. of India
undertaking which work for the welfare of disability community. They have different kinds of facilities which we can clinch .But , to avail these ,you must have disability certificate and we have already discussed  how t obtain it in  the previous article

NHFDC basically work through SCAs and Public sector banks. you can get the address of SCAs from the website of NHFDC.

SCAs -State Channel Agency

Look at the insight toNHFDC

1.We can get loan of up to  Rupees 25 lakhs to set up of small-scale  industry and many different types of schemes which we could apply ,like agriculture loan ,vehicle loan etc.

2 .Loan for education and training.

To meet the tuition fees and other accessory for pursing education .

3.Scholar scheme for – 2500 disabled youth.

Any graduate and post graduate student can apply for scholarship during the academic year.
This scheme envisages encouraging differently-abled students by providing scholarships and other
assistance to pursue professional or technical courses and various skill development courses for
their empowerment.

4.Scheme for disabled young professional.

This scheme is for professionally educated unemployed disabled youth. In order to inculcate the
spirit of self-confidence among such disabled youth through self employment and utilise their
wisdom & experience gained through professional training & education, the Corporation provide
loan at the rate of 4-8% p.a. to professionally educated / trained disabled youths.

5.Scheme for financial development for  Skill Development and Entrepreneurship.

The objective of the scheme is to provide training to disabled persons to make them capable and
self-dependent through proper technical training in the field of traditional and technical occupations
and entrepreneurship.

And there are various different type of schemes  available ,which is really beneficial for disabled
person. but to grab any opportunity you must have a minimum of 40% disability and certificate showing the same.

For  more terms and conditions, please visit the website of nhfdc.

http://www.nhfdc.nic.in/schemes.

The objective behind this article is only to make  the PwHs  aware of NHFDC. author and team RedLegacy  have never taken any benefits from NHFDC.
Thanks and regards

Chandan kumar

RedLegacy

How to get PwH's a disability certificate !

Disabilty and Hemophilia 

The repeated bleeds into joints, bones muscles may lead to synovitis , arthritis and permanent joint deformities and the bleeds itself along with disuse because of pain can lead to wasting and atrophy of muscles. Yes, if adequate treatment is not available, Hemophilia can lead to disabilities.People with disabilities,also known as  "differently abled" in our society,can be categorised into physically disabled and mentally disabled . Hemophilia is not a disability by itself, but can cause disability as a sequelae to bleeds  depending on the site of bleed.Mostly, Hemophilia leads to Physical or orthopedic disability. 

We shall discuss about Physical Disability here. 

 The very word 'Disability' is not a very welcome one ,and many of us may hesitate to get ourselves tagged "disabled" or "handicapped" . We are lie every other humans and much stronger emotionally and mentally and have a greater endurance to pain . The disabilities and pains lead to a lot of sress ,and when this happens,we feel disdain in ourselves.

But I want to tell only this to all the PwHs who has joint deformity and that is,  you are not the only one with such difficulties in India  or all  over the world  and there is nothing wrong to get disability benefit in Government  sector jobs, in school or college seat reservation or whatever the benefit we can get  like scholarships, loans and much more.

For this we have to get disability certificate and it is  our constitutional right, no one can refuse us from getting the same. These days I got many query calls regarding disability certificate. Many also complain that doctor's refused to give certificate  stating that Haemophilia don’t come under disability.

Yes , according to  the Disability Act of1995, hemophilia is not covered under disability, but if anyone gets muscular weakness, joint restriction due to any reason, they have right to get disability benefit.

Now, the  question is, how to get disability certificate

There is mainly two ways to clinch disability certificate.

1.Through State Channel Agency.
2 Through.Vocational Rehabilitation Centre, Govt. of India.

1. State Channel Agency (SCA)

Every state have their own rule to produce disability certificate. But ,in most ,Civil hospitals of the  state are bound to give disability certificate. According to Disability Act 1995,a  panel of a minimum of 3 doctors should be present in  the board who examines and assess  the  percentage of disability and the certificate is to be countersigned by either the Head of the  Hospital or Civil surgeon of the concerned district.

So  PwHs, please consult the nearest  State Government Hospital and  present your application to obtain disabitity certificate to the concerned officer. They will  give you a date of the upcoming board and you should be present there at the given date with all your documents i.e., haemophilia diagnosis report , Radiograph  of arthritic joint etc.
If they refuse to give, you should  convince them,you may show a copy of the  1995 Disability Act. In many cases doctor are stubborn. So we can also follow other path.

You may go to a Physical Medicine and Rehabilitation (PMR) specialist of the State Government. They too are authorized  to issue the medical certificate. When a member of the  medical board find it difficult to assess,they may refer to you  PMR specialist to know the  percentageof disability. You may consult them straight away too.

2. Vocational Rehabilitation Centre.

Government of India have 20 vocational rehabilitation centers for the  disabled across india.
They provide  various skill- based training to handicapped people and are also authorised to issue handicapped certificate.
You may contact them too. They shall then  refer you to their concerned  doctor for examination of disability and there  after they issue certificate and handicapped identity card. You can get different type of skill training also.
Please open following link for the address .
http://ayjnihh.nic.in/awareness/employment3.asp

Please note minimum 40% disability is essential for  reservation, relaxation or any benefit.
The benchmark is 40%...

This is a guide on how to get a Disability Certificate.Every curse can be made a boon.Wait for more info on  the different beneficial schemes for  persons with disabilities and how to avail them.

Do not hesitate,if you have a deformity,do obtain  a Disability Certificate.

Chandan Kumar and Team RedLegacy

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!

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.

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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