[06th
January 2025] Whereas the draft of the
following rules further to amend the Karnataka State Employees Group Insurance
Scheme Rules, 1981 was published as required by clause(a) of sub section(2) of
Section 3 read with Section 8 of the Karnataka State Civil Services Act, 1978
(Karnataka Act 14 of 1990) in Notification No. FD 15 SAVIYO 2024, dated:27th
November 2024 in Part IVA of the Karnataka State Gazette, dated:10th December
2024 inviting objections and suggestions from all persons likely to be affected
thereby within fifteen days from the date of its publication in the Official
Gazette; Whereas, the said Gazette
was made available to the public on 10thDecember 2024; And Whereas, no objections
and suggestions have been received in this behalf by the State Government; Now, therefore, in exercise
of the powers conferred by sub-section (1) of Section 3 read with Section 8 of
the Karnataka State Civil Services Act, 1978(Karnataka Act No.14 of 1990), the
Government of Karnataka hereby makes the following rules, namely:- (1)
These rules may be called the Karnataka State
Employees Group Insurance Scheme (Second Amendment) Rules, 2024. (2)
These rules shall come into force from the
First day of January, 2025. In the Karnataka State
Employees Group Insurance Scheme Rules, 1981(herein after referred to as the
said rules) in Rule 5, for sub-rules 5.1 and 5.2, the following shall be
substituted, namely:- "5.1-
The subscription for a member of the "Scheme" shall be rupees 240/-,
rupees 480/-, rupees 540/- and rupees 720/- per month for Group D, C, B and A
employees respectively. 5.2.
In the event of regular promotion of a member from one group to another, his
subscription shall be revised from the next anniversary of the
"Scheme" to the level appropriate to the group to which he is
promoted. Until the date of the next anniversary of the "Scheme", he
shall continue to be covered for insurance for the same amount for which he was
eligible before such promotion. For example:- (i)
A Group D employee promoted on regular basis
to Group C in February 2025 shall continue to subscribe at the rate of Rs.240/-
per month up to December 2025 and be eligible for the insurance cover of
Rs.2,40,000/- only, in addition to the benefits from the Savings Fund
appropriate to his subscription. From January 2026, his subscription shall be
revised to Rs.480/- per month and he shall become eligible for an insurance
cover of Rs.4,80,000/- in addition to appropriate benefits from the Savings
Fund. (ii)
A Group C employee promoted on regular basis
to Group B in February 2025 shall continue to subscribe at the rate of Rs.480/-
per month up to December 2025 and be eligible for the insurance cover of
Rs.4,80,000/- only, in addition to the benefits from the Savings Fund
appropriate to his subscription. From January 2026, his subscription shall be
revised to Rs.540/- per month and he shall become eligible for an insurance
cover of Rs.5,40,000/- in addition to appropriate benefits from the Savings
Fund. (iii)
A Group B employee promoted on regular basis
to GroupA in February 2025 shall continue to subscribe at the rate of Rs.540/-
per month up to December 2025 and be eligible for the insurance cover of
Rs.5,40,000/- only, in addition to the benefits the Savings Fund appropriate to
his subscription. From January 2026, his subscription shall be revised to
Rs.720/- per month and he shall become eligible for an insurance cover of
Rs.7,20,000/- in addition to appropriate benefits from the Savings Fund. In the said rules, for Rule
6 the following shall be substituted, namely: "6.
Premium and Insurance cover for employees other than members:- An employee
entering service in a month other than January falling after 1st January 2025,
shall be given the benefit of Insurance cover applicable to the Group to which
he belongs from the date of joining the Government service up to the date of
his becoming member of the Scheme, for group D employee on payment of
subscription of Rs.60/- per month as the premium for every Rs.2,40,000/- of the
Insurance cover. Similarly, in the case of group C employee, on payment of a
subscription of Rs.120/- per month as the premium for every Rs.4,80,000/-of
insurance cover. In the case of group B employee, on payment of a subscription
of Rs.135/- per month as the premium for every Rs.5,40,000/- of insurance
cover. In the case of group A employee on payment of a subscription of Rs.180/-
per month as the premium for every Rs.7,20,000/- of insurance cover. From the
date of anniversary of the scheme, he shall pay subscription at the rate
specified in sub-rule 5.1 of rule 5. For example:- A Group D
employee entering the service in February 2025 shall pay a subscription of
Rs.60/- per month as premium for an insurance cover of Rs.2,40,000/- for a
period of eleven months up to December 2025 and from January 2026 his
subscription shall be raised to Rs.240/- per month and he shall become eligible
for the benefits from the Savings Fund in addition to the insurance cover of
Rs.2,40,000/-. Similarly, a Group C employee entering the service in February
2025, shall pay a subscription of Rs.120/- per month, the premium for an
insurance cover of Rs.4,80,000/- for a period of eleven months up to December
2025 and from January 2026 his subscription shall be raised to Rs.480/- per
month and he shall become eligible for the benefits from the Savings Fund in
addition to insurance cover of Rs.4,80,000/-. Similarly, a Group B employee
entering service in February 2025, shall pay a subscription of Rs.135/- per
month the premium for an insurance cover of Rs.5,40,000/- for a period of eleven
month up to December 2025 and from January 2026 his subscription shall be
raised to Rs.540/- per month and he shall become eligible for the benefits from
the Savings Fund in addition to insurance cover of Rs.5,40,000/- Similarly, a
Group A employee entering service in February 2025, shall pay a subscription of
Rs.180/- per month the premium for an insurance cover of Rs.7,20,000/- for a
period of eleven months up December 2025 and from January 2026 his subscription
shall be raised to Rs.720/- per month and he shall become eligible for the
benefits from the Savings Fund in addition to insurance cover of Rs.7,20,000/-. In the said rules, in Rule
7, for sub-rule 7.1, the following shall be substituted, namely: "7.1
In order to provide an Insurance cover to each member of the
"Scheme", such portion of the monthly subscription as may be
specified from time to time under orders of the State Government and for the
present, an amount of rupees 60/- for group D employee, rupees 120/- for group
C employee, rupees 135/- for group B employee and rupees 180/- for group A
employee of subscription shall be credited to an Insurance Fund to be held in
the Public Account of the State Government. The amount of Insurance cover to
group D, C, B and A shall be respectively rupees 2,40,000/- , rupees
4,80,000/-, rupees 5,40,000/- and rupees 7,20,000/- for each subscription, it
shall be paid as specified in rule 10, to the nominee or nominees of the member
who dies due to any cause, while in service." In the said rules, in Rule
8, for sub-rule 8.1 the following shall be substituted, namely: "8.1
Such portion of the monthly subscription as may be specified from time to time
under order of State Government and for the present, an amount of rupees 180/-
for group D employee, rupees 360/- for Group C employee, rupees 405/- for group
B employee and Rs.540/- for group A employee of subscription shall be credited
to Savings Fund. The Amount in the Savings Fund shall be held by the State
Government in Public Account. The total accumulation of savings together with
interest thereon shall be payable to the member on his retirement after
attaining the age of superannuation or on cessation of his employment with the
State Government or to the nominees or members of the family or legal heirs of
the member, as specified in rule 10, on his death while in service.Karnataka State Employees Group Insurance Scheme (Second Amendment)
Rules, 2024
PREAMBLE