WELFARE SCHEMES IN TELANGANA

ByDr. Soumya Mishra, IPS

IGP (Welfare)

POLICE WELFARE WING

1. Welfare Fund2. Flag Fund 3. Arogya Bhadratha4. Bhadratha

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INTRODUCTION ON TS WELFARE

In a disciplined force like Police which ison guard 24 hours a day and 365 days a year thewelfare of the men and their families has directbearing on the morale and efficiency of theforce. Ever increasing work load, negligible payand extreme stressful conditions plague thepresent day Police. To mitigate these sufferingsand improve the conditions of the Policepersonnel, the Telangana State Police hasdesigned a number of welfare measures.

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❖A full-fledged Welfare Division at Police Head

Quarters, under the direct control of Inspector

General of Police, handles and co-ordinates

various welfare activities carried out under the

auspices of T.S. State Police Welfare Society, for

which the DGP is the President.

❖The Society initiates and undertakes all social

and economic welfare measures aimed at

ameliorating the conditions of members of the

TS Police and their families, to afford relief in all

deserving cases where such help is not

forthcoming from other Government and Non-

Government agencies.

❖ The following are the Non-Government

funds being maintained under TS

Police Welfare

1. Telangana Police Welfare Fund

✓ Marriage Loans, Medical Loans

2. Telangana Police Education

Fund

✓ Merit Scholarship

✓ Meritorious Scholarship and

✓ Education Loans

3. Telangana Police Widow Fund

✓ Corpus Amount to the Widow of

the deceased.

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Welfare Fund▪ Receives Rs.100 lakhs as annual grant from the Government,

rents on shopping complexes and interest on F.Ds

▪ The Fund is used for extending interest free loans to non

gazetted Police Officers and Ministerial staff for Medical,

Marriage, Education and other contingencies

▪ Assistance given by way of loan/grant to Units /

Districts/Battalions for construction of Police Guest House /

Kalyanmandapams / Dormitories / LPG Godown / Canteen /

Consumer stores / Tailoring centers / Computer centers / Cable

network / Libraries / Children parks / Gymnasium

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Marriage Loan :

Daughter Rs.1,00, 000/-Son Rs.50,000/-

Selffor Men Rs.75,000/-for Women Rs.1,00,000/-

Dependent sister Rs.50, 000/-

Medical Loan:

The loans on medical grounds are sanctioned to the extent of

Rs.30,000/- and Rs 50,000 in case of exceptional cases only if the

officer or his dependent family members suffers from a disease of a

grave nature and reimbursement facilities are not available under the

Government rules.

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Education Fund

Contributions – Rs 20 per month - PC to ASI / ministerial staff

upto Sr.Asst /Class-IV employees

- Rs 30 per month – SI /CI / Supdts & equivalent ranks

RankProfessional

Courses

Non Professional

Courses

Upto Inspector and Supdt ranks

10,000 5,000

Educational Loans :

The interest free Education loan limits are indicated below:

Name of the Course Eligible % of Marks Eligible Amount

SSC

75 % - 79 %

80 % - 89 %

90 % - 100 %

3,000

4,000

5,000

Inter/Degree/PG

75 % - 79 %

80 % - 89 %

90 % - 100 %

4,000

5,000

6,000

Professional courses

(BCA/BE/BBA/MBA/MCA

60 % - 74 %

75 % - 79 %

80 % - 89 %

90 % - 100 %

5,000

7,000

9,000

12,000

Charted Accountant/Indian

Cost Works Accountant

/Company Secretary/Bachelor

of Journalism

50 % - 59 %

60 % and above

5,000

8,000

MBBS/BHMS/BAMS/BDS/

Physiotherapy

65 % - 79 %

80 % and above

6,000

10,000

Merit ScholarshipMerit Scholarships are being sanctioned to the children from the rank of PC to Inspector and Class-IV to Supdt level officers who secure highest percentage of Marks as detailed below

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S.No Name of the CourseNo of

StudentsScholarship

Amount

1 IIT 2 45,000

2 AIEEE 1 27,500

3 Gate (Engineering) 1 25,000

4 CAT 1 25,000

5 BITS (Engineering) 2 30,000

6 EAMCET - (Engineering) 2 13,100

7 EAMCET - (Medicine) 4 30,000

8 ICET - (MBA) 1 22,000

9 ICET - (MCA) 1 20,500

10 LAWCET 1 30,000

11 AIIMs /JIPMER /PIGMER 2 40,000

▪ To promote merit among the children of police personnel upto the level

of Inspectors the following scholarship are awarded from Education

Fund.

Meritorious Scholarship

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Widow Fund

▪ Contribution – Rs 20 - PC to ASI / Class IV to Sr.Asst

- Rs 30 – SI / CI / Supdts

▪ Rs.10,000 Lumpsum paid to all categories as widow pension in

case of death while in service.

▪ Rs. 40,000 paid to the widow of the deceased Police Personnel

who died while in service.

▪ Rs. 80,000 paid to the widow of the deceased Police Personnel

who died while in service in case of death due to extremists /anti

social elements

❖Group Personal Accident Policy:

i) PC to ASI/ARSI … 5 lakhsii) SIs and Inspectors … 10 lakhs

iii) DSsP … 15 lakhsiv) Addl.SsP, all IPS Officers … 25 lakhs

in Telangana State and ondeputation

v) Personnel of Para-military … 5 lakhforces on deployment in T.S.irrespective of ranks.

FLAG FUND

To organise various programmes in connectionwith Police Commemoration Day i.e. to holdparades and conduct commemoration weekprogrammes, to instal hoardings, banners, toconduct competitions, etc.

❖ To construct Martyrs Memorials and any othersimilar forms of Police Commemoration.

❖ To provide artificial limbs, hearing aids etc. toPolice personnel injured in accidents, violence indischarge of their duties.

❖ For reimbursement of tuition fee to the childrenof Police personnel of the ranks PC/HC/ASI,from Class-I to Post-graduation courses in allrecognized institutions(Govt. & private).

❖ Sanction of marriage grant of Rs. 50,000/- up totwo daughters in each family of Policepersonnel, who had died or was medicallyinvalidated due to the injuries sustained, whileon duty and in service.

❖Sanction of Rs. 12,000/- per annum to eachof the orphan children staying in PoliceBoys Hostel at Amberpet, Hyderabadtowards tuition fee for Class-I to XII(Intermediate)

❖Sanction of Rs. 10,000/- towards incidentalcharges to the family of the deceased Policepersonnel up to the rank of HC/ASI for anykind of death while in service.

❖Sanction of Rs. 5,000/- towards incidentalcharges to the family of Home Guards forany kind of death while in service.

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Details of benefits for the spouse/family members of

the Police personnel killed in violence by

Extremists/Terrorists.

Sl.No. Ranks of Police Officers

Exgratia in case of death

Compensation in case of

permanent incapacitation.

Compensation in case of

grievous hurt.

1 PoliceConstables

Rs. 40 lakhs Rs. 25 lakhs Rs. 5 lakhs

2 HCs to SIs Rs. 45 lakhs Rs. 25 lakhs Rs. 5 lakhs

3 Insprs.,DSsP,and Addl.Ss.P.

Rs. 50 lakhs Rs. 30 lakhs Rs. 5 lakhs

4 Ss.P. and all IPSOfficers.

Rs. 1 Crore Rs. 50 lakhs Rs. 6 lakhs

5 Home Guards Rs. 30 lakhs Rs. 20 lakhs Rs. 3 lakhs

LAST DRAWN PAY:

❖Last Drawn Pay of the deceased is paid to thespouse till his superannuation.

❖ In case of death/remarriage of the spouse, thelegal heir will be paid the LDP.

❖The LDP will be revised from time to time.

❖House Rent allowance will be paid on LDP

Compassionate appointment:

❖Compassionate appointment will beprovided to the spouse/dependentbrother or sister.

❖When there is no suitable person forappointment, exgratia of Rs. 1 lakh, inlieu of job will be paid.(Dt.7-7-2007)

House Site:

Gazetted Officers … 500 Sq.yds.Non-gazetted Officers … 300 Sq.yds.

Education:

Free education to the children in A.P. Residential Schools/Jr.Colleges.

2% seats reserved in Engineering Courses for children on parwith Armed Forces, CRPF and BSF.

0.25% reservation to the children of deceased in MBBS/ BDScourses.

❖Medical facilities to the family members onpar with serving Govt. employee.

❖Arogya Bhadratha coverage to the widow.

❖75% concession to the widow in train fare insecond class.

❖Free Bus pass facility to the widow/dependent and one attendant in all types ofbuses in TSRTC.

❖Lumpsum grant of corpus amount of

Rs.80,000/- to the widow of the Martyr.

AROGYA BHADRATHATELANGANA STATE POLICE DEPARTMENT

HEALTH & MEDICAL WELFARE TRUST

Policeman works when the rest of the world sleeps. Due to

irregular timings, professional hazards, stressful job, policemen get

into serious health problems. Sometimes they have to undergo major

surgeries and suffer from serious diseases of heart, kidney and cancer.

Many times they are not in a position to get treatment in good

hospitals and clear the bills. They are put to great mental and physical

stress when they get into serious health problems. The re-

imbursement facility given by the Government is cumbersome and

not able to fulfil their needs.

To overcome all these difficulties an innovative scheme

called “AROGYA BHADRATHA” has been designed and introduced.

AROGYA BHADRATHA

Flagship Health Programme of Telangana Police

INTRODUCTION➢ Sanctioned on 12/09/2014 by the order of G.O.Ms.No.16,

Health, Medical and Family Welfare (A2) Dept.

➢ It is a self-financed scheme managed by a Trust of 11members with Director General of Police as the permanentTrustee and Ex-officio Chairman. The IGP (Welfare) is theVice Chairman for the Scheme. The Chairman appoints aSecretary who is responsible for administration of the Trust.

➢ It provides all in-patient treatments and some out patient

treatments as per list of ailments of Arogya Bhadratha

approved by the Trust Board.

➢ Total beneficiaries of the scheme nearly 3.75 Lakhs(including spouse and three dependent children)

➢ Recently, dependent parents are also included in TelanaganaArogya Bhadratha Scheme.

OBJECTIVES

➢ To provide cashless treatment to the PolicePersonnel.

➢ To avoid unnecessary harassment of the PolicePersonnel to get medical reimbursement bygoing round various offices.

➢ To arrange the best treatment for the policepersonnel and their eligible dependents atcorporate and super-specialty hospitals withoutworrying about heavy medical expenditure.

FEATURES ➢ Provides in-patient medical care for all diseases

requiring hospitalization including Oncology,Orthopedics, Cardiology, Nephrology &Urology, Obstetrics & Gynecology, Dental,Neurology, General Surgery, Cardio ThoracicSurgery, Opthamology, ENT, Vascular Surgeryetc. except plastic surgery for cosmetic purposeand infertility treatment.

➢ Provides some out-patient treatment for caseslike chemotherapy, radiotherapy for cancer,regular dialysis for kidney and severeneurological problems.

➢ Treatment can be taken in only empanelledhospitals under Arogya Bhadratha Scheme. Atpresent 134 hospitals are accredited under ArogyaBhadratha Scheme out of which

28 are super specialty hospitals

32 dental hospitals

12 eye hospitals.

MEMBERSHIP

➢ All categories of employees working in Police Departmenton regular basis.

➢ The age limit for male / female children (restricted to 3only) of the members of the scheme is fixed as 25 years forobtaining medical facilities, but excludes sons gainfullyemployed and married daughters.

➢ Stipendiary recruits (Induction Trainee PC/SIs)

➢ Boarders residing in Police Boys Hostels.

➢ Widows of Police Personnel who died in extremist andterrorist activities.

➢ Membership continues under the scheme only tillretirement.

SOURCE OF CORPUS FUND

❖Medical reimbursement by Government

❖Monthly subscriptions

PC to SI Rs. 90 pm

Insp to DG Rs.120 pm

Around Rs.55 lakhs pm

CEILING LIMITS➢ The reimbursement amount for police personnel is

Rs.5.00 Lakh for all ailments and Rs.7.5 Lakhs formajor ailments of heart surgery, kidneytransplantation, cancer and neuro-surgery as perG.O.Ms.No.101 dated 1-12-2015 of Health, Medicaland Family Welfare (A2) Dept.

➢ The reimbursement for dependents is Rs.1.0 Lakhsfor all ailments and Rs.2.0 Lakhs for major ailments.

➢ The Scheme helps members financially up to Rs.8.00Lakhs in a financial year for family consisting ofself, wife and three children (upto 25 years) andparents and upto Rs.15.00 lakhs with the approval ofthe DGP and beyond Rs.15.00 Lakhs with theapproval of Trust Board.

TARIFF

➢ Payment is made to the hospitals as per (G.O.Ms.No.74, HM&FW (K1) Dept Dt.15.03.2005)

CGHS 2002 rates

NIMS rates

CGHS 2014

Hospital rates

FINANCIAL FLOW CHART

No of bills under process in DME for Scrutiny3402 Medial BillsRs.8.51 Crores

No of bills under process in P&L for approval1895 Medial BillsRs.4.62 Crores

No of bills under process in PAO for Reimbursement2700 Medial BillsRs.6.93 Crores

Bills under process in ABS3393 Medical BillsRs.8.08 Crores

AROGYA BHADRATHA

PAODME

P&L

Total 11389 medical bills worth Rs.28.14 Crores are under process

YearNo of Admissions

(Patients)

Expenditure Incurred

(Rs. In Crores)

2014 5820 13.13

2015 14892 35.88

2016 21322 52.25

2017 18669 47.35

Total 60703 148.61

Persons Treated under Arogya Bhadratha & Expenditure

Incurred since the formation of Telangana State

Year

No of

Patients /

Bills

Amount

claimed by

Hospitals

Amount

disallowed

by ABS

Amount

paid to

Hospitals

Reimbursement

amount received

Amount paid from

Corpus Fund

2014 5820 15.21 2.08 13.13 11.90 1.23

2015 14892 41.44 5.56 35.88 32.71 3.17

2016 21322 58.95 6.70 52.25 50.48 1.77

2017 18669 53.67 6.33 47.35 19.21 0.84

Total 60703 169.27 20.66 148.61 114.30 7.01

STATEMENT SHOWING THE AMOUNT PAID FROM

CORPUS FUND OF AB FROM 2-6-2014 TO 27-12-2017Rs. in Crores

Disease Wise Top Expenditure under

ABS

Sl.no DiseaseNo. of Patients

Taken treatmentAmount Paid

1 Oncology 5123 26.83

2 Orthopedics 3055 13.68

3 Cardiology 2544 12.64

4 Nephrology & Urology 4012 12.54

5 Obstetrics & Gynecology 7593 9.44

6 Dental 10949 9.42

7 Neurology/ NeuroSurgery

1972 9.01

Total 35248 93.56

Rs. in Crores

PENDING PROPOSALS

Proposals pending with the Government

❖for adopting EHS Tariff by ABS.

❖for providing OP treatment/ investigations for police personnel at Wellness Centres.

❖for bi-annual medical health check-up for police personnel.

❖for inclusion of dependant children of widows of police personnel who died in extremist violence.

The health care schemes especially Arogya Bhadratha of Telangana Police Department have been appreciated by B.P.R & D, New Delhi and the Department of Personnel & Training, Government of India.

Police departments of Maharastra , Odisha, Karnataka , Tamilnadu , Jammu & Kashmir , Chattishgarh, Uttarakhand and Madhya Pradesh states and BSF have sent their officers to study the Welfare Schemes in Telangana to implement in their organisations.

BHADRATHATELANGANA POLICE DEPARTMENT

Bhadratha started to provide social security to all the Police

personnel and their families. After bifurcation of AP Bhadratha which

is one of the Welfare wings of Police Department, Bhadratha of

Telangana Police Department had started on 02-06-2014 duly

registered under the Telangana Public Societies Registration Act. The

scheme functions under the supervision of a Managing Committee

presided over by the Director General of Police. All employees of

Police Department enroll themselves as members of Bhadratha and

contribute monthly subscription of Rs. 800/- (PC to ASI rank) and

Rs.1600/- (SI and above ranks). The subscription amounts contributed

by the members will be returned to them at the time of their

retirement with 5% interest. The membership as on today is 51,592.

Presently, Bhadratha, provides the following loans to

its members and also pays Ex-Gratia to the familiesof members who met with unfortunate death whilein service.

1) HBA Loans

2) Personal Loans for domestic purposes

3) Loans to Daughters Marriage of the

members

4) Educational Loans including Abroad

education

5) Computer Loans.

HOUSE BUILDING ADVANCES with 8.5% interest rate

Cadre

Plot Loan Home Loan

Limit Limit

PC to ASI & Equivalent Cadres

10,00,000 20,00,000

SI & CI & Equivalent Cadres

12,00,000 25,00,000

DSP &Equivalent Cadres

14,00,000 30,00,000

Non Cadre SPs & IPS 16,00,000 35,00,000

(Amount in Rs)

EDUCATIONAL LOAN with 8.5% interest rate

Abroad Studies Medical Education

Engineering

Description Limit Limit Limit

PC to CI & Equivalent cadres 15,00,000 10,00,000 4,00,000

DSP & Above Ranks 25,00,000 10,00,000 4,00,000

Cadre

Domestic Purpose Daughters’ Marriage

Limit Limit

PC to ASI & Equivalent Cadres 2,00,000 6,00,000

SI & Above & Equivalent Cadres 3,00,000 6,00,000

PERSONAL LOAN with 11.00% interest rate (Amount in Rs)

COMPUTER LOAN with 8.5% interest rate

Cadre Limit

PC to ASI & Equivalent Cadres 40,000

SI & Above & Equivalent Cadres 50,000

Ex-gratia eligibility to the Deceased family

Death NaturalAccidental /

Violent Death

PC to ASI & equivalentranks

4,00,000 8,00,000

SI to D.G.P & equivalentranks

8,00,000 16,00,000

(Amount in Rs)

DisablementPartial

Disablement

Permanent Disablement

PC to ASI equivalent ranks 4,00,000 8,00,000

SI to DGP & equivalent ranks 8,00,000 16,00,000

Bhadratha got tie-up with M/s.National Insurance Co. for claiming insurance amounts in case of Accidental deaths. In case of Natural Deaths the Ex-gratia amount will be paid from Bhadratha Funds.

DescriptionNo. of

MembersAmount (in Crores)

House Building Advances 1402 115.72

Personal Loans 8509 113.02

Educational Loans 493 49.99

Computer Loans 20 0.08

Ex-gratia paid to the deceased families 733 24.28

Retirements settlements 3887 26.70

Write off owing to death of members 20 2.64

Bhadratha at Glance

➢ ‘Zero’ pendency is being maintained by Bhadrathaas all the loan applications received during themonth are being processed and put up for sanctionevery end of the month and sanctioned amounts arebeing credited to the bank accounts of themembers/vendors through online.

➢Bhadratha has started extending the loan benefits tothe widows of Martyrs on par with other members tosupport the family of the bereaved members.

Currently a Website has been developed by the

Welfare Wing for the effective functioning of

Welfare Wing, Bhadratha and Arogya Bhadratha.

With the launching of this Website, the members

can do online loan process, view online nominee

and family details and get admitted in hospitals

without wastage of time.

Automation

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