IMA Schemes

megaphone
monthly Newsletter from
Issue 194 Indian Medical Association, Cochin Branch

October 2019

Message from the President

Dear doctors, n Improve camaraderie among doctors, bring in inter­
national standards of patient care including preventive
I consider it a great privilege to be installed as health, emphasise the primary role of the general
president of IMA Cochin. I applaud the exemplary practitioner and streamline referral patterns that will best
efforts of Dr Junaid Rahman, Dr Haneesh and team. help patient care, but keeping local conditions in mind.

My vision is that if each one of us can contribute a As Jeff Bezos of Amazon said, all ideas need not work. But
little bit of our time towards the organisation, we can some ideas work and produce great results. It is hard to say
perform miracles. at the outset which ones will succeed, and which ones won’t.
In addition to innovation, two critical ingredients of success of
The theme of the year I have chosen is : such projects are member participation and enthusiasm.
   “Breaking Down Walls”. This means: Some of these projects will take several months to materialise.
I welcome volunteers from doctors for each one of these
n to reduce the barrier between doctors, promote camaraderie projects.
and team spirit, and get academically enriched from each other’s Warm regards ,
clinical experience through the new JCP-IMA journal. Dr Rajeev Jayadevan

n reduce the widening gap between doctors and public by No Horn Days
continuing our innovative health education programmes and Heartbeats
improving doctors communication skills.
See back page for
n reduce the gap between doctors and media by providing accurate detailed report
scientific information that will help counter the rampant rise
of fake news, and work together with the media to deliver MONTHLY MEETING
preventive health messages to the community with an emphasis
on prevention of disease and the benefits of early detection. 30th Oct. 2019 | Wednesday
8.00 pm Meeting called to order
n Most of the themes this year will be based on the IMA Future 8.05 pm Scientific Session
Directions Survey that I did this year to find out the new
directions for IMA. Over 2000 suggestions were analysed. The TOPIC
summary has been sent to all docs and IMA office bearers. 1. Interpretation of DEXA scan -

In addition to continuing the existing programs, we will be launching for general practitioners
several innovations, including Doctor’s Welfare Wing dedicated to Dr Karthik Subramaniam MD, DM (Endo)
take care of the everyday problems that doctors encounter in practice. 2. Secondary Hypertension
Dr Tom Babu MD, DNB (Endo)
Some of the ideas I am bringing on are: 3. Pitfalls in interpreting common
laboratory values
n Launching The JCP-IMA, the Journal of clinical practice. This is Dr Sreevalsan MD (Biochemistry)
a new online medical journal which helps ultra-fast publishing
of case reports. The JCP-IMA allows doctors to share important Meeting supported by
clinical information that will benefit their practice and patient
care. The advantage is academic enrichment from local Silverline Hospital - A centre for
experience, instead of relying on observations from the west.
The details are added in this issue of megaphone. Diabetes, Thyroid and Endocrinology

n Starting a Job Bank (India and abroad) to ensure continued CCS Meet for Oct & Nov 2019
employment of doctors and provide career guidance. Date : 24th Oct. | Thursday Venue : City Hospital
Dr. Sanam Basheer (98473 03965)
n Special training classes for doctors on new and relevant topics
Date : 14th November | Thursday Venue : AIMS Hospital
n Training of doctors and healthcare workers in communication Dr. Nisha (98959 72765), Dr. Praveen (94952 47676)
skills and other skills that will improve patient experience
Prof. Dr. Vasantha Nair (Convenor) Dr. Ramesh Shenoy (Co-ordinator)
n Adapt to new technology, newer methods of communication

n Prevention of attacks on doctors

n Strategies to reduce healthcare costs for patients

n Promotion of medical ethics, novel methods being planned

n Rational and economical prescribing, focus how to reduce
treatment costs for patients but while maintaining quality

n Promote doctors health, which has been suffering from neglect, as
doctors are known to take care of everyone else but themselves.

n Bring in new faces, new ideas, thus creating a unique blend
consisting of the energy of the youth, and the experience of seniors.

President Secretary Treasurer
Dr.Rajeev Jayadevan Dr.Salini Sudhindran Dr. Jobi Abraham
Consultant Gastroenterologist No. 8, Ten Huts Villa, Divine Park 4-F, Noel Touchstone Apts, Crash road
Aathira, Aiswarya Lane, Cochin-20 Kakkanad, Cochin 682 037 Vazhakkala, BMC P.O., Cochin-21
Mob: 98471 02221 | [email protected] Mob: 9895052828 | [email protected] Mob: 98462 28250 | [email protected]

Megaphone | October 2019 Scan to discover !
IMA Cochin / Lagoon
Secretary's Message
Mobile App
Dear friends, download link

At the outset I would like to express my deepest Congratulations !
gratitude to the IMA family for electing me as the
secretary along with Dr Rajeev Jayadevan as the Dr. Sheeja Sreenivas elected as chairperson and
president of this prestigious branch. I will definitely Dr. Avani Pillai as Secretary of IMA Cochin Women’s
strive hard to meet the expectations of each one of you Wing (WIMA) for the year 2019-20.
and also to work with integrity and conviction.
Dr Rajesh Kannan (AIMS, Kochi)
I would like to congratulate the outgoing President is elected as General Secretary
Dr Junaid Rahman, Secretary Dr Haneesh M.M. and the other office of Indian Association of Cardiac
bearers for giving us a wonderful IMA year 2018-19. Imaging at the annual meeting
held at Jaipur.
Thank you all for attending the valedictory function of IMA year 2018-19
and the inaugural function of 2019-20.

We solicit support and assisstance from you for executing all the IMA
Projects announced by our president Dr Rajeev Jayadevan especially the
‘IMA JCP’ (IMA Journal of Clinical Practice) which is this years flagship
project.

I am also cordially inviting each and everyone for the monthly CME on
30th of October at 8 pm conducted by Silverline Hospital, Kadavanthara.

I request your support and blessings for the mammoth task ahead. I will
give it my best shot and with your cooperation certainly the future looks
optimistic.

Thanking you,

Dr Salini Sudhindran

COCHIN WIMA ACTIVITIES

Onam celebration by WIMA. Keynote address on ONAM was given by Srikumari Ramachandran, author and writer.
She inaugrated the function and shared the memories of earlier onams.

Dr. lisamma conducted awareness class Self Defence Class by Dr Rajeev Jayadevan Health awarness class to children on
and early cancer detection camp for WIMA members healthy eating by Dr Parvathy

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The JCP-IMA is ready!!

You may now publish your everyday clinical material THE JCP-IMA ICON ON MOBILE SCREEN
on this ‘new generation’ online journal launched by
IMA Cochin on 29 September 2019. Where can I find it?

What is the purpose of the journal? The website address is - www.jcpima.com
Dr Rajeev Jayadevan
To provide a common platform for doctors to publish
and share clinically useful information gathered President, IMA Cochin
from their everyday practice. This helps reduce the
knowledge gap between doctors. Terms and conditions

The menu also allows each doctor to access his or The journal is free and meant for use by practitioners
her own personal case collection. Thus, it serves as a of modern modern medicine registered with
personal case diary that can be helpful in seminars Medical Council of India. The author alone is
and presentations. responsible for the validity of the statements. Posts
about experimental or unauthorised treatments,
Who can publish? hypothetical unscientific or potentially misleading
statements and apparently promotional or
All doctors of modern medicine. Medical council defamatory material (although unintentional) will
number and email must be entered at registration. be deleted. The editorial panel reserves the right
to edit or delete any post without the author’s
What can be published? permission. Images and text must not contain any
patient identifying information and must be used
All doctors see cases of teaching value in everyday only with the consent of the patient, which is the
practice, but these cases are soon forgotten due to sole responsibility of the author.
a busy schedule. Any such clinical information that This journal is meant for sharing in good faith
will be helpful for other doctors and patients can be of non peer-reviewed information pertaining to
published here. It doesn’t necessarily have to be a regular medical practice, taking into confidence
dramatic or unusual case. the credibility of the author. It is not a substitute
for a medical textbook or treatment guideline. The
The motto here is SHARE * TEACH * LEARN journal shall not be responsible for the consequences
of future actions taken by any practitioners after
1. Case reports reading the posted content.
2. Adverse reactions
3. Treatment outcomes About us
4. Complications
5. How a diagnosis was made This is a free online medical journal meant for
6. Disease outbreaks doctors of modern modern medicine registered with
7. Clinical Images Medical Council of India. It is an initiative of IMA
8. Practice tips Cochin branch with an aim to improve the practice of
modern medicine by providing a common platform
9. Communication tips for all doctors to share their day-to-day clinical
experiences. A one-time registration is required
10. Ethics matters prior to publishing. The fast interface allows doctors
to instantly publish and share their work, without
What is the format? the long delays that are the norm for conventional
medical journals. It will help accumulate a wealth of
A 300 character limit is preferred as in Twitter; it useful clinical information generated by individual
will help doctors in their daily practice.

readers absorb the material at a glance. However, a
total

of 600 characters can be accommodated if required.

Longer reports may please be submitted to IMA’s
Kerala

Medical Journal.

Can I modify my post later?

Yes. You can edit your case after logging in.

Is this an app?

No. The JCP-IMA is a website that doesn’t need an
app to be downloaded. However, using your browser
such as Safari or Chrome, you can download the JCP-
IMA icon on your phone screen for easy one touch
access.

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Installation

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on Ceremony

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Breaking Down Walls

The theme for IMA Cochin this year.
Getting to know each other well is a good first step. Posting some pics from our executive committee meeting.
A unique social experiment was used,
where doctors were unexpectedly asked to
introduce the person sitting next to them in
the meeting.
This is a great tool for team building. It is
always more interesting and pleasant to
be introduced by someone else than to
introduce oneself. The pictures speak for
themselves.
*Theme: to reduce the gap between doctors
and their colleagues to promote teamwork,
and to reduce the gap between doctors and
community.

Dr Rajeev Jayadevan

Meeting with cm

Dr Rajeev Jayadevan was the third to ask a question. Mentioned about IMA’s numerous social projects as well as quality improvement programs
for doctors. Asked about the issue of hospital attacks, specifically focusing on preventing attacks by declaring hospitals as a special zone like the

airports. CM gave an itemised reply in the end. Doctors issue was given plenty of thought and time.

Doctors Health Section - Theme of the month

This the first poster of the IMA year highlighting DOCTORS HEALTH.
This is the most simple version possible of CPR and could save our lives someday.
The question we doctors should ask ourselves is: if any one of us unfortunately
suffered a collapse at our workplace or home, will those around us be able to
resuscitate us?
Unfortunately, most people who go to CPR classes forget the details soon
afterwards.
When the need arises, they frequently don’t know what to do.
This single sentence message is aimed to correct that deficiency.
We will be making several more simple but powerful innovative health tips for
doctors in the coming few months.

Dr Rajeev Jayadevan, President, IMA Cochin

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Megaphone | October 2019

Sept. CME : Topic - Hypertension revisited - hypertension in elderly - Dr Geetha philips; Hypertension in pregnancy - Dr Asha Rajan;
Refractive hypertension/resistance - Dr Syamala Menon; Management of hypertension - Dr Jilse george

Dr Philip John on CNN News about ADHD Dr Akhil representing Cochin IMA at NIRVANA, anti Dr Rajeev Jayadevan on World Anaesthesia day
drug and alcohol program for youngsters celebration at IMA house, Kochi - 16.10.2019

Dr Satish Bhat, Dr Zia Mydin and Dr. Mohan George M. sing for the IMA Cultural wing programme Organ donation class for retired employees

at Cherai. Sri Sreekumaran thampi inaugurated. of Hindalco company by Dr. Abraham Varghese

The participants of essay competition on National Blood Donation day celebrated in Dr Letha, Pro Vice Chancellor, Jain University
Safe Blood Donation held in connection with association with Rotary Club of Cochin Milan inaugurating National Blood donation day
National Blood donation day with Blood Bank celebrations at IMA Blood bank , Cochin in
presence of IMA State President Dr M.E. Sugathan
Staff & guests at IMA Blood Bank Cochin.

Dr Sunny Orathel takes over as Chairman of Dr Junaid, Dr Najeeb and the HEARTBEATS Guardian Angels accreditation certificate
DWW: Doctors Welfare Wing of Cochin IMA team discussing the BLS mega project

World mental health day HMs and Principals of schools meeting for Heart Beats
by Ernakulam Psychiatric Society

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World Record Attempt

November 16 is the big day : HEART BEATS - We are training 35,000 school
students of Ernakulam District on Hands-Only-CPR in one day!

The revival status of Sudden Cardiac Arrest in India is unacceptably low. This
is primarily because over 85% of such events occur in locations outside of
hospitals, and the public is not aware of CPR. IMA Cochin along with District
Administration has joined hands with Angels international, NHM, District Legal
Service Authority, with the single aim of introducing CPR into the hearts of the
public. We want each citizen to become a capable life saver if and when the need
arises.
As 35,000 students are trained in a day, the event has become an official Guinness
World Record Attempt as well as Best of India record. The students trained during
the event are from 9th grade to 12th gtade. After the event, we expect each school to start a Heartbeats club, so
that the knowledge of hands-only-CPR becomes part of the curriculum.

Our hope is that the idea of such an event spreads
throughout our country, and the percentage of survival
would improve.

The event is scheduled to take place on November 16th
2019 from 8 am to 5 pm at CIAL Convention Centre,
Nedumbassery.

This event is one of the major IMA projects launched by
Dr Junaid Rahman.

NO HORN DAYS COCHIN 2019

After two successful “No Horn campaigns” Silent Zones Day 2 | Nov. 2nd
in 2016 & 2017 this is the third time we along MG Road,
are observing the No Horn days. Our aim identified by IMA * A u d i o l o g y
this year is to enforce Silent Zone (No Horn screening and
Zone) in Cochin wherever they are allowed A w a r e­n e s s
lawfully. We want to push the concept of NO campaign among
HORN wherever possible. As per law, 100 bus drivers to be done by AOI Cochin.
metres from the perimeter of all Hospitals,
Edicational Institutions, Courts and Religious * Students from SCMS will campaign
places are Silent Zones where no horn is among drivers and public with placards
allowed. and pamphlets.

November 1,2,3 will be observed as No Horn Day 3 | November 3rd | 9 - 10 am
Days Kochi by IMA Cochin - NISS in association at Panampily Nagar
with AOI, SCMS and other educational
institutions, District Administration, Motor • A large housing colony - Panampily Nagar
Vehicle Departments, EDRAC, Radio and to be declared as “No Horn Zone” by the
other media. Panampily Nagar Welfare Association.

The proposed programme is as follows : • Manorama junction hoarding to be
unveiled declaring “No Horn Zone” with
Day 1 | November 1st | “Kerala Piravi day “ Mayor, MLA, GCDA chairman along with
association members.
• Public meeting at North end of M.G. road.
• Procession in main avenue and finally
• Students will be deployed along sixteen public meeting at Central park with public
points of the 4.4 kms of M.G. road participation, Schools, Residents etc.
where the ‘No Horn boards’ are to be
put up holding placards and distributing Dr V.D. Pradeepkumar Dr M. Narayanan
pamphlets and also in bus stands and
petrol pumps. Chairman, IMA-NISS Programme Co-ordinator

• Audiology screening for auto drivers Dr Geetha nair Dr Abraham K. Paul
parked in front of the respective hospitals.
Convenor, IMA-NISS

IMA House, J.N. International Stadium Road, Palarivattom P.O., Cochin 682 025 Ph : 9961648800, 92495 78466 Email : [email protected] Website : imacochin.org
Printed & published by IMA Cochin for circulation among IMA members only. designed & produced by pixel studio@98460 38143

(b) Copy of the notice/plaint/petition/complaint and copy of summons/notice in case of Court cases.

(c) Copy of the case-sheet/case records.

(d) A detailed treatment summary with investigation results and giving explanations as needed. Extracts from
standard text books or journals in support of the treatment may also be furnished giving name of book, author,
edition, volume, page no. etc.

(e) A reply in one’s own words regarding the allegations contained in the notice or complaint, given paragraph wise.

(f) Full contact address including phone numbers, fax no., e-mail, mobile no, etc. should be given without fail.

(g) Please do not send any reply by the member or through any advocate without the permission of PP Scheme
Secretary otherwise the member will lose the coverage under PP Scheme.

4. If the case does not fall within the Scheme, a DD for Rs. 2000/- in favour of P P Scheme of IMA, Kerala State
payable at ‘Malappuram’; for drafting reply for advocate Notice and Rs. 2500/- for drafting a detailed reply to
complaint in court (for IMA doctors who are non-members of PP Scheme), Rs. 3000/- for doctors who are non-IMA
and non-PP Scheme members and Rs. 3500/- for institutions and out of State cases.

Address for communications: Dr. SAJEEV KUMAR. P , Hon.Secretary, PP Scheme of IMA KSB, Daya Hospital,
,Moolakkal , K.Puram (P.O) Thanaloor, Malappuram 676307 , Mob:8111916263 , E-mail: [email protected]

Hospital Protection Scheme

Objectives:
To protect the hospital

Highlights
The Scheme is liable to pay to a member( hospital), maximum of Rupees Five Lakhs as damages for a single case
and for more than one case in a year upto a maximum of Rupees Ten Lakhs.

Eligibility
All the doctors of the hospital should be members of PP Scheme

Membership Fee Bed Strength Membership Fee/Year
Category

A 0-10 Rs. 5,000/-

B 11-25 Rs. 10,000/-

C 26-50 Rs. 15,000/-

D 51-100 Rs. 25,000/-

E 101-150 Rs. 30,000/-

F 151-200 Rs. 35,000/-

G 201-300 Rs. 40,000/-

H 301-500 Rs. 50,000/-

I Above 500 Rs. 75,000/-

Membership application forms are available with IMA HQ and the PP scheme office. The Application form has to be
promoted by the District Representative of PP scheme and sent to the Hon. Secretary of P P Scheme. The
membership in the Scheme will be finalised only after verification of bed strength and PP scheme membership of
doctors.

Address for communications: Dr. Jain Chimmen, Hon.Secretary,PP scheme of IMA KSB, Daya General Hospital,
Shornur Road, Thrissur – 680022, Phone : 0487-2325920 (H),Mob: 9447002530, E-mail: [email protected].

National Professional Protection Scheme

Objectives:
To protect the members and help them in case of harassment, litigation etc. which may arise during the process of
their professional practice.

To provide legal aid to the members of the Scheme.

Eligibility
Only Life Members of the Indian Medical Association are eligible to become the members of the Scheme.

Jurisdiction
Any claim arising within the jurisdiction of Republic of India alone will be entertained by the Scheme.

Membership Fee
Membership fee for the first year shall be Rs. 3000/-. Any cause of action from the date of realization of the
membership fee for one full Calendar year will be taken up by the Scheme.

First Year Rs.3000/-

Second Year Rs. 2900/- (if no claim)

Third Year Rs. 2800/- (if no claim)

Fourth Year Rs. 2700/- (if no claim)

Fifth Year Rs. 2600/- (if no claim)

Sixth Year and thereafter Rs. 2500/- (if no claim)

(Payment as DD in favour of National PP Scheme of IMA, payable at Thiruvananthapuram).

Member’s right
The scheme will contest civil, criminal, consumer or similar cases arising out of a member’s medical practice upto
the level as decided by the managing committee. Litigations arising out of other actions of the members including
the administration will not be dealt with by the Scheme.

Application forms
Available with local branch Presidents and Secretaries.

Unique features of the Scheme

 Help of IMA friends at the time of need.
 Litigations fought up to the Supreme Court.
 Help of Scheme Office bearers at every stage.
 Vast Data Bank regarding Medico legal cases

 A reply in one’s own words regarding the allegations contained in the notice or complaint, given paragraph
wise.

 Full contact address including phone numbers, fax no., e-mail, mobile no, etc. should be given without fail.

 Please do not send any reply by the member or through any advocate without the permission of PP
Scheme Secretary otherwise the member will lose the coverage under PP Scheme.

Hon. Secretary : Dr. S. Alex Franklin, ‘Thudacottil’, Dr. Pai Road, Poojappura, Thiruvananthapuram-695 012.

Professional Equipment & Employment Protection Scheme

About Us
Medical profession is growing day by day. Patients expect perfect diagnosis and cure from the disease at the
earliest. But we know this may not be possible always, which eventually ends in lot of litigations against doctors
and hospitals. To get accurate diagnosis and provide treatment at the earliest, we depend on different types of
medical equipment, many of them are high-tech and costly. On the other side of the scene, the companies create
lot of burden to the customers by frequent price variations, inadequate after sales service, taking high AMC and
breaching the contracts. Many IMA members and Medical Institutions requested IMA to set up a body to take
appropriate measures so that members are protected from such unhealthy practices.

Finding a dream job is like finding a pearl in an oyster! With the increasing competition, every Health care
entrepreneur wants to hire gems of the profession. At the same time, job seekers also want a destination where
they can whet their skills and move towards a better life. A unique platform is required to cater the needs of both.
At this juncture, IMA present the scheme, “Professional Equipment & Employment Protection Scheme (PEPS)”

PEPS is registered under Travancore Cochin Literary, Scientific and Charitable Societies Registration 12th Act 1955
as “Professional Equipment and Employment Protection Society”

It helps by:-

 Providing details of Medical Equipment.

 Providing details of Medical Equipment Manufacturers, Dealers & Distributors.

 Ensuring adequate after sales service of the Medical Equipment.

 ‘Employment Bureau’ is a part and parcel of PEPS, which helps by Providing Proper Placement for Junior
Doctors, Retired Doctors, Specialists and Super Specialists.

 Creating a data base on vacancies of medical professionals in hospitals.

 Standardization of Salary.

 PEPS is supervising the supply of Bio-medical waste collection bags & Needle burners according to the
quality parameters specified by the Pollution Control Board. PEPS will be assuring the quality of these
products before supply to the hospitals / clinics. The hospital waste should be collected in these quality
assured bags having the PEPS logo. Only then IMAGE will undertake its disposal.

 PEPS brings out a quarterly newsletter “PEPS VOICE” dealing with particular equipment in each issue.

Liability and Limitations:
The liability of the scheme is limited to

 The transfer of information regarding various equipment with regard to the request in question which is
based on the data available data available on record at the time and to support its members in cases of
disputes of quality, working condition, after sales service etc.

 The transfer of information regarding the availability of medical professionals of modern medicine for job
placement and also the vacancies available in various health care institutions based on the data available
on record at the time.

PEPS is not an Insurance Scheme
Doctors and hospitals are intimately related in various aspects. If we share our grievances and unite together to
fight against the unhealthy practices of the Medical equipment companies, we can make this scheme fly high. So
also we can develop a congenial atmosphere for better rapport between health care institutions & medical
professionals with the common aim of better patient care.

Eligibility for Membership / Registration a) PEPS Membership
Only Life Members of IMA Kerala State can join this scheme.

This lifelong membership is for general communications on request regarding various instruments of common
interest.

b) Beneficiary (Equipment & Employment)
Any Modern Medicine Hospital (Govt./Private), Health Care Institution or Diagnostic Centres in Kerala can register
as a 'Beneficiary’ of the scheme’ through a IMA ‘PEPS’ Member.

The registration is only for general communications on request, regarding details of various Medical Equipment,
Manufacturers, Dealers / Distributors of Medical Equipment or availability of various Medical Professionals for job
placement.

The diagnostic Centres should apply through the Radiologist or pathologist who is an IMA ‘PEPS’ Member.

c) Employment Bureau (PEPS – EB)
Any registered modern medicine doctor can register in Employment Bureau.

The Scheme will help them for placement in Kerala according to their qualifications on payment of Services
Charges.

PEPS – EB is planning to have tie-up with reliable agencies in future for placement abroad.

Membership / Registration Fee Structure*
(Subject to change, as per the decisions of Managing Committee of the Scheme from time to time)

 PEPS Membership - Rs. 1,000/-
 Beneficiaries of the Scheme - Rs. 2,500/- *(50% concession for registering hospitals/institutions owned by

PEPS Members)
 Employment Bureau: Graduates / Junior Doctors - Rs. 500/-; Post Graduate Specialists - Rs. 1,000/-; Super

Specialists - Rs. 2,000/-. *(50% concession for PEPS Members)
Service Charges:
(Subject to change, as per the decisions of Managing Committee of the Scheme from time to time)

a) For Purchase of Equipment through PEPS
An amount equal to 0.5 % of total purchase value of Equipment will be collected from the Hospital / Institution
/PEPS Member for helping to purchase equipment through ‘PEPS’

b) From Institutions on Job Placement of Medical Professionals

An amount equal to 5.0 % of 1st Month Salary of particular employee will be collected from the Hospital /
Institution for placement of medical professionals through ‘PEPS’

c) From Doctors on Job Placement
An amount equal to 2.5 % of 1st Month Salary will be collected from the particular Doctor for job placement
through ‘PEPS’.

Mutual Benefit Scheme was first introduced in March 2001 after thorough deliberations in the Annual State Council
meeting held at Thiruvananthapuram in November 2000.

The Aims are:

 To provide financial support to the members

 To provide the habit of thrift amongst the members

 To encourage financial planning amongst the members

 To support the activities of IMA Kerala State Branch.

Any member of IMA Kerala State Branch or an institution run by IMA members is eligible to become a member of
the Scheme by joining any of the projects of the Scheme. Every member shall pay in monthly installments an
amount depending on the project under which he joins. Total number of members in each project is 20 and IMA
Kerala State Branch shall be a non-paying member in all projects. The monthly installment is due on 20th of every
month and the monthly beneficiary will be selected by picking up lots on 25 of every month at office of the
Secretary / IMA State Headquarters. The member who needs the Beneficiary amount should sent request to the
secretary in advance and the amount will be paid on receipt of Promissory note duly signed and an undated cheque
for the amount receivable, payable to Mutual Benefit scheme of IMA. Receipt for the amount received should be
sent to secretary as early as possible for our records for auditing purpose.

Project Total amount Beneficiary Installment Monthly Payable

A Rs.100000 Rs.80000-100000 Rs.5000

B Rs.200000 Rs.160000-200000 Rs.10000

C Rs.500000 Rs.400000-500000 Rs.25000

Member need to pay only 19 installments:
MODIFIED SCHEME SCHEDULES AND PAYMENT DETAILS

Sl.No. Scheme A (Rs.5000/- P.M) Scheme B (Rs.10000/- P.M) Scheme C (Rs.25000/- P.M)
1 Rs.100000 Rs.200000 Rs.500000 for IMA
2 Rs.80000 Rs.160000
Rs.500000 for IMA

Rs.400000

3 Rs.81000 Rs.162000 Rs.405000

4 Rs.82000 Rs.164000 Rs.410000

5 Rs.83000 Rs.166000 Rs.415000

6 Rs.84000 Rs.168000 Rs.420000

7 Rs.85000 Rs.170000 Rs.425000

8 Rs.86000 Rs.172000 Rs.430000

9 Rs.87000 Rs.174000 Rs.435000

10 Rs.88000 Rs.176000 Rs.440000

11 Rs.89000 Rs.178000 Rs.445000

12 Rs.90000 Rs.180000 Rs.450000

13 Rs.91000 Rs.182000 Rs.455000

14 Rs.92000 Rs.184000 Rs.460000

15 Rs.93000 Rs.186000 Rs.465000

16 Rs.94000 Rs.188000 Rs.470000

17 Rs.95000 Rs.190000 Rs.475000

18 Rs.96000 Rs.192000 Rs.480000

19 Rs.97000 Rs.194000 Rs.485000

20 Rs.98500 Rs.197000 RS.492500

21 Rs.100000 Rs.200000 RS.500000

Even if no one requests for advance payment in a month draw will be taken and amount will be paid to the
member whose name comes up in the draw.

IMA Kerala Health Scheme

The Scheme shall be known as ”IMA KERALA HEALTH SCHEME (IMA KHS)

Aims and Objects of the Schemed
To provide financial assistance to the members and his/her spouse, children and parents on the unfortunate events
of hospitalization for diagnosis, management of the following diseases.

 Coronary Heart Disease : Angioplasty, by-pass surgery & valvular heart diseases surgery.

 Kidney failure : Hemodialysis, Renal Transplant

 All malignant Diseases.

 Management of brain Tumors

 Joint Replacement: Surgery for knee and hip joints and major surgeries.

 Spinal Stenosis and disc surgery

 Cerebrovascular accidents.

 Road Traffic accident and other accidents.

 Other major illnesses requiring Hospitalisation approved by the scrutinizing committee.

Beneficiaries
Benefits of the Scheme shall be available only to the member and his/her spouse, children and parents, if the
member has paid the membership subscriptions of his/her spouse, children and parents. In the event of death of
the member, the spouse, children and parents, if desires can continue as a beneficiary member of the scheme
provided the member was a Life Member of IMA. However such a beneficiary member shall not have any right to
attend or vote in the general body meeting of scheme and shall not have any right to vote or contest for any post.

Eligibility of the Members

 Up to 30th November 2006 (First six months) any member of IMA of any age is eligible to become a
member of scheme. He/she is considered as Founder Member.

 After 30.11.2006 any member of IMA up to the age of 80 years at the time of joining is eligible to become
member of the scheme.

 The age will be calculated on the date of receipt of draft/cheque subject to its encashment.

Admission Fees :
Any member of IMA KSB willing to become a member of the scheme shall be enrolled on payment of admission
fees as per scale below.

For Member : Rs.750.00
Below age of 35 years

Below age of 45 years Rs.1250.00

Below age of 55,But above 45 years Rs.1750.00

Below 60 years but above 55 years Rs.5000.00

Below 65 years but above 60 years Rs.6000.00
Below 70 years but above 65 years Rs.7000.00
Below 75 years but above 70 years Rs.8000.00
Below 80 years but above 75 years Rs.10000.00

Advance Financial Assistance Contribution (AFAC)
Every member/spouse member who have joined below 55 years shall have to pay initially and yearly Rs. 2600/- as
advance financial assistance contribution along with the admission fees and annual membership fees of Rs.100/-.
Every child member shall have to pay initially Rs. 2100 as advance financial assistance contribution.

Members below 60 years but above 55 years, who join the scheme above the age of 55 years, shall contribute AFAC
of Rs. 5000/- per year

Members below 65 years but above 60 years, who join the scheme above the age of 55 years, shall contribute AFAC
of Rs. 7000/- per year.

Members below 70 years but above 65 years, who join the scheme above the age of 55 years, shall contribute AFAC
of Rs. 8000/- per year.

Members below 80 years but above 70 years, who join the scheme above the age of 55 years, shall contribute AFAC
of Rs.10000/- per year.

Annual Member Subscription
Every member/beneficiary member of the Scheme shall pay Rs.100/- each as annual membership subscription
Member shall submit their application in the prescribed application form along with their admission fees,
membership fees and advance financial assistance contribution drawn in favour of “IMA Kerala Health Scheme” by
A/c. payee draft or local cheque payable at Head Office at Secretary’s office place with endorsement by Local
Branch Secretary. No cash or money order will be accepted.

Benefits of the Scheme
This scheme is intended to be helpful to members to meet the heavy expenses for the management of serious
illness.

 The Membership No. in P P Scheme and details of IMA Membership.

 Coronary Heart Disease: By-pass surgery and angioplasty required for the treatment of coronary heart
disease and valvular heart disease surgery will be covered under the scheme. Upper limit will be Rs. 2
Lakhs.

 Kidney Failure: Regular haemodialysis or renal transplant required in the management of chronic
irreversible failure of both the kidneys will be covered under the scheme. Upper limit will be Rs.2 Lakhs.

 Cancer: Surgical, Radiotherapy and Chemotherapy required for the treatment of all cancers will be covered
under the scheme. Upper limit will be Rs. 2 Lakhs.

 Management of Brain Tumors: Surgical, Radiotherapy and Chemotherapy required for the treatment of
brain tumors will be covered under the scheme. Upper limit will be Rs.2 Lakhs.

 Major Surgeries: Surgery for knee and hip joints. Spinal Stenosis and disc surgery, or other major surgeries
will be covered by the scheme with an upper limit of Rs. 100000/-

Any serious diseases requiring hospitalisation, will be covered with an upper limit of Rs.40000/- Diagnosis and
Treatment costing less than Rs.5000/- will not be covered under this scheme.

Members have to submit original papers as well as attested photo copy of Treatment certificates (Discharge
summaries), Break up of Bills (Professional charges, Medicines, investigations) and other documents upon which a
claim is based within 60 days of discharge from the Hospital. The member shall also give additional information and
assistance as the scheme may require in dealing with any claim. If a claim be in any manner fraudulent or
supported by any fraudulent means of device (whether by a member or any other person acting on his/her behalf),
the scheme shall not be liable to make any payment. Original bills and papers will be given back to member after
verification.

Permissible reimbursement will be disbursed/discharges within 3 months from the submission of the original
papers, bills and other documents upon which the claim is based. After verifying all the facts as prescribed by the
managing committee, all payments shall be made by A/c. payee check/bank draft / Net banking only. Managing
Committee will have discretion to pass/reject payment of bills in case, where they are not satisfied about the
genuineness of the bills.

Members will be given reimbursement of 75% of total amount of the bill not exceeding the sum limited to each
disease

A member will get a maximum of benefit of Rs. 2 Lakhs in one year. Private Hospitals have to apply for being
included in the list of recognized institutions. The managing committee is empowered to add or alter or delete the
name on the list of Institutes for management. It shall be communicated to all the members in advance. Members
are requested to inform about the name of Institution for recognition.

No advance payment will be made to the member/beneficiary member.

The managing Committee of the Scheme shall be empowered to decide about the claims of the above diseases.
State Working Committee shall be the Appellate body . No disputes can be challenged in any court of Law.

Founder member will have the benefit of the scheme only after completion of 6 months of joining of the scheme.
For all other members of the scheme they will get benefit only after completion of 1 year of joining the scheme,
except for those who join after completion of 60 years of age.

The members who join after completion of 60 years of age will get benefit only after completion of 2 year of joining
the scheme.

 Charges of engaging a special nurse or attendant will not be reimbursed.
 Expense incurred on travel or ambulance will not be reimbursed.
 Food, laundry and telephone bills will not be allowed.
 Treatment in other systems other than Modern Medicine will not be allowed.
Pension Scheme

Salient Features

 Any life member can join the Scheme, even after the age of 60 yrs.

 Pension will be given to the members of the Scheme preferably after 60 years/ at the time when they opt
for pension.

 Annual Subscription Rs:12,000/- or any higher amount decided by the member.
 A member can put any amount as contribution any time in a year.
 A lock in period of 1 year will be there to avail pension in case of a member who joins the scheme at the

age of 60 or later.
 The pension amount depends upon capital amount and interest rate in force.
 The capital amount will be given to the nominee after the death of member of the Pension Scheme.
Admission Fees :

 45 and below Rs. 3,000/-
 Above 45 Rs. 5,000/-
 Annual Membership Rs. 500/-

IMA National Family Welfare Scheme

IMA National Family Welfare Scheme, is a Scheme Launched by IMA Head Quarters, by popular demand which is
little bit different from our Social Security Scheme. 1. To provide financial assistance to Family in the event of
Scheme Members death. 2. To provide financial assistance to the Scheme member who becomes permanently
disabled and thereby unfit to practice.

I. Eligibility for Membership

Any IMA life member below the age of 65 years on the day of joining the scheme is eligible to become member of
the scheme. Note: a. Membership comes into effect only when the IMA Family Welfare Scheme, the policy
document signed by the chairman and the Hony. Secretary of the scheme is issued to the member. b. The members
who join the scheme in the first year are “founder members” and their eligibility age will be relaxed upto 70 years
instead of 65 years. After one year the upper limit of joining the scheme will be 65 years.

II. Admission Fee

a. Any eligible life member of IMA willing to become a member of the scheme can do so on payment of admission
fees as stated below.

Members

1. Below 30 years: Rs. 3000

2. 31 years to 40 years : Rs 5000

3. 41 years to 50 years: Rs 7000

4. 51 years to 60 years : Rs 10000

5. 61 years to 65 years : Rs 20000

6. 66 years to 70 years (Founder members): Rs 30000

b. A member who wants to join the scheme shall pay the amount as account payee cheque. Online payment or DD
in favour of the scheme payable to – “IMA Family Welfare Scheme” .

III. Members Contribution.

1. Every member of the scheme shall pay Rs.500 (Rupees Five Hundred only) every year as annual subscription fee
for 25 years. There after no membership fee shall be collected and he will be considered as honorary member
enjoying every rights of the members of the scheme. From this Rs. 500, Rupees Two Hundred goes to IMA to
support IMA activities and the rest goes to the scheme.

2. (a) Every member of the scheme shall pay fraternity contribution of Rs. 300 on the event of death of a member
as demanded by the Hony. Secretary of the scheme every year. Out of this amount Rs. 100 will be credited to the
corpus fund and the balance Rs. 200 shall be paid to the bereaved family member - nominee. (b) The Corpus fund
will be utilised for giving support to the disabled and incapacitated practitioners who are members of the scheme.
The type and amount of support given from the corpus fund will be decided by the Managing Committee on

individual basis. (c) Members need to pay the fraternity contribution for death up to 50 per annum. Over and above
50 deaths in a year will be paid from the corpus fund of the scheme.

3. If a member pays every year his annual subscription and fraternity contribution continuously for 25 years shall
not pay any such contribution thereafter, yet he remains as honorary member of the scheme. For this 25years will
be calculated from the day of enrolment to the scheme.

4. One Time Payment - An eligible member who joins as a member of the scheme by paying one time lump sum
payment of Rs 400000 which is non refundable become life member of the scheme. Such member need not make
any further payment to the scheme and shall enjoy the same benefit as that of other members of the scheme.

IV. Members Disqualification.

1. Every ordinary member of the scheme shall pay his annual subscription and the fraternity contribution before
April every year. The notice of the annual subscription and the fraternity contribution for a maximum of 50 deaths
that have occurred during the previous calendar year shall be send during the second fortnight of every March and
the member has to pay the amount within 30 days of the notice, failing which he is liable to pay a fine of Rs. 50 per
month.

2. If the default continues beyond the period of 90 days then a notice by registered post at the members cost shall
be issued to such a member and if the member does not pay the demand sum within 15 days of the receipt of such
notice, then the membership shall stand terminated herewith.

3. If a member supplies any wrongful information n his application form or at any time during his membership term
by which he violates any profession of the scheme and thus he tries to obtain any benefits under the scheme, then
after giving an opportunity of being heard before the managing committee. If his explanation is found to be
unsatisfactory the managing committee of the scheme shall terminate the membership of the member concerned
subject to ratification by the general body of the scheme.

4. After termination of membership of a member, he can join the scheme as a new member.

5. If any member at a time for any reason ceases to be a member of IMA his membership of the scheme shall cease
automatically.

V. Discontinuation of Membership

1. If any member voluntarily retires as a member after 5 years he shall get a refund of 50 percent of his
contribution to corpus fund and if the retirement is before 5 years there shall be no refund.

2. Such a member on his retirement will not get any refund of his admission fees and his fraternity contribution
made during his membership period.

VI. Members Right

1. On the event of demise of a member the fraternity benefit to be paid to the nominee / nominees / legal heirs
shall be calculated as 250 times the net membership of the scheme. Net membership shall be calculated by
deducting the total number of demises + total number of resignations + total number of deletions + total number
of honorary members from the total enrolment on the previous day of the death of the member.

2. On the receipt of information from a responsible member of the family of a member, that the member has
become permanently, physically disabled there by rendering him unfit to practice his profession, such a member
shall have an option of voluntary retirement from the scheme and in that event he shall get refund of his entire
contribution to corpus fund and his membership shall stand terminated.

3. The amount to be paid under clause one and two shall be paid as DD payable at the place of nominee / nominees
/ legal heirs within one of the receipt of the information of the death or physical disability as the case may be
subject to satisfy all conditions prescribed by the managing committee of the scheme and surrender of the scheme
policy document

4. In the event of loss or non surrender of policy document the managing committee will take the final decision on
the disposal of the claim.

5. On the event of demise of the member the fraternity benefits will be paid to the nominee / nominees / legal
hires only.

a. If the member has been a member of the scheme at least for two years from the date of joining of the scheme
provided he has below the age of 50 years at the time of joining the scheme.

b. If the member has been a member of the scheme or at least three years from the date of joining the scheme
provided he was 50 years at the time of joining the scheme.

National Social Security Scheme

On event of death ( by any cause ), rest of the members contribute a token share of Rs. 200-00, from which Rs. 130-
00 is passed on to the nominee. After 25 years of continuous membership, the member has not to contribute the
same and the Fraternity Contribution (F.C.) will be paid to the nominee by the scheme.

BENEFIT FOR MEMBERS ENROLLED AFTER 19/07/2002 : For members enrolled after 19/07/2002, benefit of
Fraternity Contribution of the scheme liable after completion of one year of membership of I.M.A. N.S.S.S. However
nominee of member be entitled for such benefits if death of member occurs in accident event within one year of
joining the scheme.

Any life member of I.M.A., up to age of 60 years residing in India is eligible to become a member of this scheme but
members above the age of 40 years and below the age of 60 years, must be life member of IMA atleast for 3 years
on the day of joining the scheme.

At present we have 17,810 members enrolled and paid 11,44,780.00 to the last deceased member’s nominee.

To download the application forms,
click here (http://tiny.cc/imaschemes) or scan the QR code

Compiled by IMA COCHIN Branch,
14/11/2019

IMA National Health Scheme

This scheme is intended to provide financial assistance to the members / beneficiary members to meet the
expenses for the management of

1. Heart diseases - Angioplasty, CABG, Valvular surgeries: Upper limit will be 2 lakh
2. Kidney Diseases – Renal transplantation, Dialysis: Upper limit will be 2 lakh
3. Malignancies, Brain tumours: Upper limit will be 2 lakh
4. Spinal Surgery, Other major surgeries, Joint replacement surgeries: Upper limit will be 1 lakh
5. Cerebrovascular accidence: Upper limit will be 40,000
6. Road traffic and other accidents.
7. Major illnesses requiring hospitalisation as approved by scrutinizing committee: Upper limit will be 40,000

Scrutinizing committee of the scheme has the power of discretion to fix the upper limit of reimbursements for
various medical conditions/ surgical/diagnostic procedures after considering the existing expenses of treatment in
India Teritory.

Diagnosis and treatment costing less than Rs.5000 will not be covered under this scheme. Member have to submit
original papers as well as attested photo copies of treatment certificate (discharge summary), break up of
bills.(professional charges, cost of medicines and investigations etc.) and any other documents upon which a claim
is based within 60 days of discharge from hospital.

The member shall also give additional information and assistance as the scheme may require in dealing with any
claim. If a claim be in any manner fraudulent or supported by any fraudulent means of device (whether by a
member or any other person acting on his/her behalf), the scheme shall not be liable to make any payment.
Original bills and papers will be given back to the member after verification.

Permissible reimbursement will be disbursed within 90 days from the submission of the original papers, bills and
other documents upon which the claim is based. After verifying all the facts as prescribed by the managing
committee, all payments shall be made by A/c. payee cheque / demand draft/ cash transfer only. Managing
committee will have discretion to pass/ reject payment of bill in cases, where they are not satisfied about the
genuineness of the bills. Members will be given reimbursement of 75% of total amount of the bill not exceeding the
sum limited to each disease.

A member will get a maximum of benefit of Rs.2 Lakh in one year.

No advance payment will be made to the members

The managing committee of the scheme shall be empowered to decide about the claims on the above diseases.
Central working committee of IMA shall be the Appellate body. No Disputes can be challenged in any court of law.

Members of the scheme can claim benefits (who join the scheme before completion of 60years of age) after
completion of one year of joining the scheme .Those who joins the scheme after 60 years will have a lock in period
of 2 years.

Charges of engaging a special nurse or attendant will not be reimbursed.

Expenses incurred on travel or ambulance will not be reimbursed.

Food, laundry and telephone bills will not be allowed.

Treatments in Modern Medicine only will be reimbursed.

The following bills or charges will not be reimbursed: cost of cosmetic treatment including dental prosthesis, cost of
external appliances like spectacles, hearing aids and exercise equipments etc will not be covered.

In case of demise of a member the claim shall be given to the nominee given n the records.

TO JOIN THE SCHEME

IMA members, Spouses, Parents and Children can join the scheme provided they are aged below 80 years at time
of joining the scheme. IMA members shall be members and others shall be beneficiary members. Application form
is available in this site. Download the form, take printout in legal size paper ie, 8.5 x 14 inch paper and send the
duly filled form to the scheme office.

FEES STRUCTURE OF THE SCHEME

AF- Admission fees
AMS- Annual Membership Subscription
AFAC- Advance Financial Assistance Contribution

First Year

AGE AF AMS AFAC TOTAL AGE AF AMS AFAC TOTAL

Less than 25 1000 500 2500 4000 55 Up to 60 5000 500 5000 10500

25 Up to 35 1000 500 3000 4500 60 Up to 65 7000 500 7000 14500

35 up to 45 1250 500 3000 4750 65 Up to 70 8000 500 8000 16500

45 up to 55 1750 500 3000 5750 70 Up to 80 10000 500 10000 20500

AMS and AFAC have to be paid every year AMS and AFAC have to be paid every year

Next Year

AGE AMS AFAC TOTAL AGE AMS AFAC TOTAL

Less than 25 500 2500 3000 55 Up to 60 500 5000 5500

25 Up to 35 500 3000 3500 60 Up to 65 500 7000 7500

35 up to 45 500 3000 3500 65 Up to 70 500 8000 8500

45 up to 55 500 3000 3500 70 Up to 80 500 10000 10500

AMS and AFAC have to be paid every year. AMS and AFAC have to be paid every year

National Social Security Scheme

On event of death ( by any cause ), rest of the members contribute a token share of Rs. 200-00, from which Rs. 130-
00 is passed on to the nominee. After 25 years of continuous membership, the member has not to contribute the
same and the Fraternity Contribution (F.C.) will be paid to the nominee by the scheme.

BENEFIT FOR MEMBERS ENROLLED AFTER 19/07/2002: For members enrolled after 19/07/2002, benefit of
Fraternity Contribution of the scheme liable after completion of one year of membership of I.M.A. N.S.S.S. However
nominee of member be entitled for such benefits if death of member occurs in accident event within one year of
joining the scheme.

Any life member of I.M.A., up to age of 60 years residing in India is eligible to become a member of this scheme but
members above the age of 40 years and below the age of 60 years, must be life member of IMA atleast for 3 years
on the day of joining the scheme.

At present we have 17,810 members enrolled and paid 11,44,780.00 to the last deceased member’s nominee.

To download the application forms,
click here (http://tiny.cc/imaschemes) or scan the QR code

Compiled by IMA COCHIN Branch,
14/11/2019