16th April, 2020
General and Stand along Health Insurers (Except AIC and ECGC),
Sub: Providing mandatory medical insurance coverage to
workers as part of the National Directives of MHA, GOI
is invited to Order No. 40-3/2020-DM-I (A) dated 15th April,
2020 issued as part of the Consolidated Revised Guidelines by Ministry of Home Affairs,
GOI. As per the said order, inter alia; the following are stipulated:
All industrial and commercial establishments, work places,
offices etc. shall put in place arrangements for implementation of Standard
Operating Procedure (SOP) before starting their functioning.
As per clause no. 5 of Annexure – II of the said SOP for social
distancing for offices, workplace, factories and establishments, medical
insurance for the workers to be made mandatory.
In light of the above, all General and Health Insurance
companies may offer comprehensive health insurance policies either to
individuals or groups in order to enable the listed organisations / employers /
establishments comply with the above referred directions.
The insurers are advised to devise comprehensive Health
insurance products with simple wordings, conditions and at affordable cost to
be offered to the stated organisations.
above referred organisations should be able to continue the Medical Insurance Policy
offered by insurers not only for the present situation but for all time.