10th BPS - JOINT NOTE 2015 PDF

JOINT NOTE
SALARY REVISION FOR OFFICERS

Conclusion of Discussions between the
IBA and the Officers Associations
The Negotiating Committee of Indian Banks Association (IBA) representing the managements
of banks held several rounds of discussions with the authorised representatives of the Officers
Associations on salary revision and other issues concerning service conditions for officers in
Banks. In the course of the deliberations, common viewpoints have emerged between the two
parties. The outcome of the discussions acceptable to both sides is listed in Annexure I to this
Note. The representatives of the Officers Associations have also agreed that the existing
service conditions be modified to the extent what has been stated in Annexure I.
2. IBA agreed that it shall recommend to the Public Sector Banks, as in Annexure II, to initiate
the process of amending the Officers Service Regulations and Bank Employees Pension
Regulations, 1995 dated 29th September 1995/ 26th March 1996, in order to implement what is
stated in Annexure I. The IBA shall also recommend to the Government of India to approve the
amendments and to issue appropriate guidelines necessary for this purpose.
3. IBA shall take steps to recommend to the Private Sector Banks which are listed in Annexure
III and which have authorised the IBA in this regard, to give effect to the salary revision for their
officers upto Scale III on the same lines as mentioned in Annexure I.
4. The representatives of Officers Associations have requested that pending formal
amendments to the Officers Service Regulations/ Rules as per procedure laid down under
Section 19(1) of the Banking Companies (Acquisition and Transfer of Undertakings) Act,
1970/1980 and the applicable provision of State Bank of India Act, 1955. IBA may advise the
banks to disburse immediately an ad-hoc amount, equivalent to the net arrears payable for the
period from 1st November 2012 to 31st May 2015 and continue to pay revised salary and
allowances on ad-hoc basis.
IBA has agreed to make suitable recommendations to the
Government in this regard for its consideration.
Joint Note-25th May 2015
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5. The Officers Associations on behalf of the officer-employees in banks listed in Annexures

II & III agree that the understandings reached as detailed in Annexure I hereto are in full
satisfaction of their demands.
6. IBA reiterated and made presentation of a scheme for introduction of performance linked
variable pay in addition to fixed pay be considered as part of this wage revision exercise to
increase efficiency in operations. After discussions, it was decided to pursue the matter at a later
stage.
7. Representatives of the Officers Associations have assured full co-operation on their part,
their affiliates and members, in implementation of measures aimed at improving customer
service, optimum utilisation of manpower, expansion of banking activities to take on the
competition and challenges confronting the industry and maintenance of healthy and harmonious
industrial relations in the banking industry.
Mumbai
Dated : 25th May 2015
For
Indian Banks Association
For
All India Bank Officers Confederation
T M Bhasin
Y Sudarshan
Ashwani Kumar
Harvinder Singh
Animesh Chauhan
K Ananda Kumar
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Shyam Srinivasan
G V Manimaran
Ashwini Mehra
Dilip Saha
M V Tanksale
V Raghavendra Sarma
K Unnikrishnan
Harshavardhan M
K S Chauhan
P V Mohanan
D N Prakash
Thomas Franco
Debasis Ghosh
Sanjay A Manjrekar
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K Rajendran
M Sreenath
Sunil Kumar
For
All India Bank Officers Association
Alok Khare
S S Shishodia
Dr .Kumar Arvind
S.Nagarajan
M.A.Srinivasan
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S.N.Dutta
Shri G Gunasekaran
Narendra Kotiawala
For
Indian National Bank Officers Congress
K K Nair
V V Ramana
R Chandramoorthy
R C Sharma
Ajit Kumar Ghosh

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Nagesh D Dande
For
National Organisation of Bank Officers
R R Kulkarni
S U Deshpande
K Subramani
A R Bhatwadekar
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Annexure 1
1)
Scales of Pay
Scale I -
23700
Scale II -
31705
Scale III -
42020
Scale IV -
50030
Scale V -
59170
Scale VI -
68680
Scale VII -
76520
980
7
1145
1
1310
5
1460
4
1650
2
1960
4
2120
4
30560
32850
48570
55870
62470
1145
2
1310
10
1460
2
1650
2
1800
2
32850
1310
7
42020
45950
51490
59170
66070
76520
85000
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Fitment:
Fitment shall be stage-to-stage, i.e. on corresponding stages from 1st stage onwards and
the increments shall fall on the anniversary date as usual.
2)
Stagnation Increments
a.
Officers in JM Grade Scale I who have moved to scale of pay for MMG Scale II
in terms of Regulation 5(b) after reaching maximum of the higher scale shall be
eligible for four stagnation increments for every three completed years of service
of which first two shall be 1310/- each and next two 1460/- each.
b.
Officers in MMG Scale II who have moved to scale of pay for MMG Scale III in
terms of Regulation 5(b) after reaching maximum of higher scale shall be eligible
for three stagnation increments of 1460 /- each for every three completed years
of service and a fourth stagnation increment of 1460/- two years after receipt of
third stagnation increment.
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Provided that officers who have completed two years or more after receipt of the
third stagnation increment will get the fourth stagnation increment with effect
from 1.5.2015.
c.
Officers in substantive MMG Scale III i.e. those who are recruited in or promoted
to MMG Scale III shall be eligible for four stagnation increments of 1460/- each
for every three completed years of service and a fifth stagnation increment of
1460/- two years after receipt of fourth stagnation increment provided that the
officers who have completed two years after receipt of the fourth stagnation
increment will get the fifth stagnation increment w.e.f 1.5.2015.
d.
Officers in SMGS-IV shall be eligible for one stagnation increment of 1650/three years after reaching the maximum of scale w.e.f. 1.5.2015.
3)
Dearness Allowance
On and from 1.11.2012, Dearness Allowance shall be payable for every rise or fall of
four points over 4440 points in the quarterly average of the All India Average Working
Class Consumer Price Index (General) Base 1960=100 at 0.10% of Pay.
4)
House Rent Allowance (w.e.f. 1.11.2012)

I
Major A Class Cities and Project Area Centres in Group A
II
9 % of Pay
ii)
Other places in Area I, and Project Area Centres in Group B

and State of Goa
8% of Pay
iii)
Other places
7% of Pay
i)
Provided that if an officer produces a rent receipt, the House Rent Allowance payable to
him/her shall be the actual rent paid by him/her for the residential accommodation in
excess over 0.75% of Pay in the first stage of the Scale of Pay in which he/she is placed
with a maximum of 150% of the House Rent Allowance payable as per aforesaid rates
mentioned in Column II above.
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Note: The claims of officer employees for House Rent Allowance linked to the cost of
their ownership accommodation shall also be restricted to 150% of House Rent
Allowance as hitherto.
5)
City Compensatory Allowance (w.e.f. 1.11.2012)

Area
6)
Rate
Maximum
Amount
i)
Places in Area 1 and in the State of Goa
4% of Basic Pay
870 /- p.m.
ii)
Places with population of five lakhs and

over and State Capitals and Chandigarh,
Puducherry and Port Blair
3% of Basic Pay
600/- p.m.
Special Allowance (w.e.f. 1.11.2012)

With effect from 1.11.2012, officers shall be paid Special Allowance as under:
Scale I-III -
7.75% of Basic Pay + applicable Dearness Allowance thereon
Scale IV-V -
10% of Basic Pay + applicable Dearness Allowance thereon
Scale VI-VII-
11% of Basic Pay + applicable Dearness Allowance thereon
Note : The special allowance with applicable DA thereon shall not be reckoned for
superannuation benefits, viz, pension including NPS, PF and Gratuity
7)
Provident Fund (w.e.f. 1.11.2012)

(a) The officers who are presently covered under the Bank Employees Pension
Regulations, 1995/96 shall continue to contribute 10% of the Pay towards
Provident Fund and there shall be no matching contribution.
(b) Officers of State Bank of India will continue to be covered by Contributory
Provident Fund Scheme as hitherto.
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(c) Officers who are presently covered under Contributory Provident Fund Scheme
who did not opt for Pension Scheme available under Joint Note dated 27th April,
2010 shall continue under the Contributory Provident Fund Scheme as hitherto.
8)
Pension (including State Bank of India)

With effect from 1st November 2012, the Pay drawn under this Joint Note by the officers
who are members of the Pension Fund shall be taken into consideration for the purpose
of calculation of pension as per the Pension Fund Rules/ Regulations in force.
Note: Officers in service of the Banks as on 1st November 2012 and who have retired
thereafter but before 25th May 2015 and who had opted for commutation of
pension will have an option not to claim incremental commutation on revised
basic pension.
9)
Medical Aid (other than State Bank of India)

On and from 1st November 2012, reimbursement of medical expenses shall be as under:
a) Officers in JMG & MMG Scales 8,000/-p.a.
b) Officers in SMG & TEG Scales - 9,050/-p.a.
10)
Hospitalisation Expenses (other than State Bank of India)

In substitution of the clause (9) of the Joint Note dated 27/04/2010, the reimbursement of
hospital expenses under Regulation 24(1) (b) (i) of the Officers Service Regulation
1979/1982 , shall be as detailed in Annexure IV of this Joint Note.
11)
Recovery of House/Furniture Rent

(i) House rent recovery shall be @ 0.75 % of the first stage of the scale of pay in which
the officer is placed or the standard rent for the accommodation, whichever is less.
(ii) Furniture rent recovery shall be @ 0.15% of the first stage of the scale of pay in
which the officer is placed.
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12)
Fixed Personal Pay (w.e.f. 1.11.2012)

Fixed Personal Pay together with House Rent Allowance shall be at the following rates and
shall remain frozen for the entire period of service.
Increment Component
()
(A)
1310
1460
1650
1800
1960
2120
DA as on 1.11.2012
()
Total F.P.P. payable where banks

accommodation is provided ()
(B)
143
159
180
196
214
231
(C)
1453
1619
1830
1996
2174
2351
Note:
(i) F.P.P. as indicated in C above shall be payable to those officer employees who
are provided with banks accommodation.
(ii)
F.P.P. for officers eligible for House Rent Allowance shall be A + B plus
House Rent Allowance payable on the last increment of the relevant scale of pay.
(iii) The increment component of F.P.P. shall rank for superannuation benefits.
(iv) Only officers who were in the service of the bank on or before 1.11.93 will be
eligible for F.P.P one year after reaching the maximum scale of pay they are
placed.
13)
Professional Qualification Pay (PQP) (w.e.f. 1.11.2012)

(A)
Officers shall be eligible for professional qualification pay as under :

(B) Those who have passed only CAIIB Part I / JAIIB
670/- p.m. one year after reaching top of the scale.
(ii) Those who have passed both parts of CAIIB
a. 670/- p.m. one year after reaching top of the scale.
b. 1680/- p.m. two years after reaching top of the scale.
(B)
An Officer employee acquiring JAIIB/CAIIB (either or both parts) qualifications

after reaching the maximum of the scale of pay, shall be granted from the date of
acquiring such qualification the first installment of PQP and the release of
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subsequent installments of PQP shall be with reference to the date of release of

first installment of PQP.
14)
Other Allowances
(i)
Deputation Allowance (w.e.f. 1.6.2015)

Deputation Allowance shall be at the following rates:
An officer deputed to serve outside the 7.75% of Pay with a maximum of
bank
4000/- p.m.
An officer deputed to an organization at - 4% of Pay with a maximum of
the same place or to the training
2000/- p.m.
establishment of the bank
(ii)
Hill and Fuel Allowance (w.e.f. 1.11.2012)

(a)
(iii)
Place
Rate
Places with an altitude of 1000 metres 2% of Pay subject to a
and above but less than 1500 metres and maximum of 750/-p.m.
Mercara Town
(b)
Places with an altitude of 1500 metres 2.5% of Pay subject to a

and above but less than 3000 metres
maximum of 1000/- p.m.
(c)
Places with an altitude of 3000 metres 5% of Pay subject to a

and above
maximum of 2000/- p.m.
Halting Allowance (w.e.f. 1.6.2015)

Major A
Other
Class Cities Area I () Places
()
()
Grade / Scales of Officers
Metro
()
Officers in Scale VI & above
1800
1300
1100
950
Officers in Scale IV & V above
1500
1300
1100
950
Officers in Scale I/II/III
1300
1100
950
800
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(iv)
Special Area Allowance (w.e.f. 1.11.2012)
At places where special area allowance is payable in terms of Regulation 23(ii) of

Officers Service Regulations, 1979/1982, the said allowance shall be payable at rates as
in Annexure V.
(v)
Mode of Travel and Expenses on Travel
It is reiterated that the following provision shall continue to apply wherever an officer is
required to travel on duty:
(a)
An officer in Junior Management Grade is entitled to travel by 1st Class or AC 2tier Sleeper by train. He may, however, travel by air (economy class) if so
permitted by the Competent Authority, having regard to the exigencies of
business or public interest.
(b)
An officer in Middle Management Grade is entitled to travel by 1st Class or AC 2tier Sleeper by train. He may, however, travel by air (economy class) if the
distance to be travelled is more than 1000 kms. He may, however, travel by air
(economy class) even for a shorter distance if so permitted by the Competent
Authority, having regard to the exigencies of business or public interest.
(c)
An officer in Senior Management or Top Executive Grade is entitled to travel by

AC 1st Class by train or by air (economy class).
(d)
An officer in Senior Management or Top Executive Grade may travel by car

between places not connected by air or rail provided that the distance does not
exceed 500 km. However, when a major part of the distance between the two
places can be covered by air or rail only the rest of the distance should normally
be covered by car.
(e)
Any other officer may be authorised by the Competent Authority, having regard
to the exigencies of business, to travel by his own vehicle or by taxi or by the
Banks vehicle.
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The remaining provisions as in Sub-regulations (2) & (3) of Regulation 41 of Officers

Service Regulations shall remain unchanged.
Note: Entitlement by Steamer Delux Cabin
(vi)
Leave Travel Concession (w.e.f. 1.6. 2015)

(a)
During each block of 4 years, an officer shall be eligible for leave travel
concession for travel to his place of domicile once in each block of two
years. Alternatively, he may travel in one block of two years to his place of
domicile and in another block of two years to any place in India by the
shortest route.
(b)
Alternatively, an officer, by exercising an option anytime during a 4 year

block or two year block, as the case may be, surrender and encash his LTC
(other than travel to place of domicile) upon which he shall be entitled to
receive an amount equivalent to the eligible fare for the class of travel of
which he is entitled up to a distance of 4500 kms (one way) for officers in
JMG-Scale-I and MMG Scale II & III and 5500 kms (one way) for
officers in SMG- Scale IV & above.
(c)
An officer opting to encash his LTC shall prefer the claim for himself /
herself and his / her family members only once during the block / term in
which such encashment is availed of.
The facility of encashment of
privilege leave while availing of Leave Fare Concession is also available

while encashing the facility of LTC.
(d)
The mode and class by which an officer may avail of Leave Travel
Concession shall be the same as the officer is normally entitled to travel on
transfer and other terms and conditions subject to which the Leave Travel
Concession may be availed of by an officer, shall be as decided by the
Board from time-to-time. Provided that w.e.f. 1st May 2010 an officer in
Junior Management Grade Scale I while availing LTC will be entitled to
travel by air in the lowest fare economy class in which case the
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reimbursement will be the actual fare or the fare applicable to AC 1st Class
fare by train for the distance traveled whichever is less. The same rules shall
apply when an officer in Middle Management Grade Scale II and Middle
Management Grade Scale III while availing LTC where the distance is less
than 1000 kms.
(vii)
Definition of Family:
For the purpose of medical facilities and for the purpose of leave fare concession,
the expression family of an employee shall mean a) the employees spouse, wholly dependent unmarried children (including step
children and legally adopted children) wholly dependent physically and
mentally challenged brother/ sister with 40% or more disability, widowed
daughters and dependent divorced/ separated daughters, sisters including
unmarried/ divorced/ abandoned or separated from husband/ widowed sisters
as also parents wholly dependent on the employee.
b) The term wholly dependent family member shall mean such member of the
family having a monthly income not exceeding 10,000/- p.m. If the income
of one of the parents exceeds 10,000/- p.m. or the aggregate income of both
the parents exceeds 10,000/- p.m., both the parents shall not be considered as
wholly dependent on the officer employee.
c) A married female employee may include her natural parents or parents-in-law
under the definition of family, but not both, provided that the parents/parentsin-law are wholly dependent on her.
Note: For the purpose of medical expenses reimbursement scheme, for all
employees, any two of the dependent parents/ parents-in-law shall be
covered.
15)
Project Area Allowance

On and from 1st November 2012, Project Area Compensatory Allowance shall be
payable at the following rates:
Project Areas falling in Group A 400/- p.m.
Project Areas falling in Group B 350/- p.m.
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16)
Mid Academic Year Transfer Allowance

On and from 1st June 2015, Mid Academic Year Transfer Allowance shall be payable at
1100/- p.m. subject to other conditions.
17)
Split Duty Allowance

On and from 1st November 2012, Split Duty Allowance shall be payable at 200/- p.m.
18)
Compensation on Transfer (w.e.f. 1.6.2015)

An officer on transfer will be eligible to draw a lumpsum amount as indicated below for
expenses connected with packaging, local transportation, insuring the baggage etc.
Grade/Scale of Officer
19)
( )
Officers in Scale IV and above
20,000/-
Officers in Scale I, II and III
15,000/-
Maternity Leave (w.e.f. 25.5.2015)

(a)
Maternity leave, which shall be on substantive pay, shall be granted to a female

officer for a period not exceeding 6 months on any one occasion and 12 months
during the entire period of her service.
(b)
Within the overall period of 12 months, leave may also be granted in case of
miscarriage/abortion/MTP.
(c)
Within the overall period of 12 months, leave may also be granted in case of
hysterectomy upto a maximum of 60 days.
(d)
Leave may also be granted once during service to a childless female officer for
legally adopting a child who is below one year of age for a maximum period of
six months subject to the following terms and conditions: (i)
Leave will be granted for adoption of only one child.
(ii) The adoption of a child should be through a proper legal process and the
employee should produce the adoption-deed to the Bank for sanctioning
such leave.
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(iii) The leave shall also be available to biological mother in cases where the
child is born through surrogacy.
(iv) The leave shall be availed within overall entitlement of 12 months during
the entire period of service.
20)
Paternity Leave
With effect from 1.6.2015, male officer employees with less than two surviving children
shall be eligible for 15 days paternity leave during his wifes confinement. This leave
may be combined with any other kind of leave except casual leave. The leave shall be
applied upto 15 days before or upto 6 months from the date of delivery of the child.
21) Holidays
In terms of understanding dated 23rd February 2015, reached between IBA and Officers
Associations every second and fourth Saturday of the month will be a holiday and other
Saturdays will be full working days. IBA has initiated steps to get clearances from the
Reserve Bank of India and Government of India. The change will be effective after
approval by the Reserve Bank of India and Notification of the change issued by the
Government of India.
22)
Privilege Leave
On or from 1.6.2015 under Regulation 33(4) of Officers Service Regulation 1979/82,
Privilege Leave may be accumulated up to not more than 270 days except where leave
has been applied and it has been refused. However, encashment of Privilege Leave shall
be restricted up to a maximum of 240 days.
Further, in modification of Regulation 33(5) of Officers Regulations, 1979/82, an officer
desiring to avail of privilege leave shall ordinarily give not less than 15 days notice of
his intention to avail of such leave.
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23)
Special Sick Leave

With effect from the 1.6.2015, Special Sick Leave up to 30 days may be granted to an
officer employee once during his/her entire period of service for donation of kidney/
organ.
24)
Date of Effect
For payment of arrears, the benefits under various provisions as above shall be from
1st November 2012, unless otherwise specified against the relevant provisions.
________
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Annexure II
List of Public Sector Banks
1.
Allahabad Bank
2.
Andhra Bank
3.
Bank of Baroda
4.
Bank of India
5.
Bank of Maharashtra
6.
Canara Bank
7.
Central Bank of India
8.
Corporation Bank
9.
Dena Bank
10. Indian Bank

11. Indian Overseas Bank
12. Oriental Bank of Commerce
13. Punjab & Sind Bank
14. Punjab National Bank
15. Syndicate Bank
16. UCO Bank
17. Union Bank of India
18. United Bank of India
19. Vijaya Bank
20. State Bank of India
21. State Bank of Bikaner & Jaipur
22. State Bank of Hyderabad
23. State Bank of Mysore
24. State Bank of Patiala
25. State Bank of Travancore
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Annexure III
List of Private Sector Banks
1. The Catholic Syrian Bank Ltd.
2. The Dhanalakshmi Bank Ltd.
3. The Federal Bank Ltd.
4. ING Vysya Bank Ltd. (now Kotak Mahindra Bank Ltd.)
5. The Jammu & Kashmir Bank Ltd.
6. The Karnataka Bank Ltd.
7. The Karur Vysya Bank Ltd.
8. The Lakshmi Vilas Bank Ltd.
9. The Nainital Bank Ltd.
10. Ratnakar Bank Ltd.
11. The South Indian Bank Ltd.
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Annexure IV
SCHEDULE FOR REIMBURSEMENT OF
HOSPITALISATION EXPENSES
MEDCIAL INSURANCE SCHEME
Having regard to the need to extend better coverage and reimbursement of hospitalization and
medical expenses incurred by the officers / employees/dependent family members, the demand
for full reimbursement of expenses connected with hospitalisation and medical treatment
including domiciliary hospitalization and domiciliary treatment was discussed by and between
the parties and a new scheme for reimbursement of medical expenses has been formulated.
The salient feature of the Scheme is as under:
The scheme shall cover expenses of the officers / employees and dependent family members in
cases he/she shall contract any disease or suffer from any illness (hereinafter called DISEASE)
or sustain any bodily injury through accident (hereinafter called INJURY) and if such disease or
injury shall require any employee/ dependent family member, upon the advice of a duly
qualified Physician/Medical Specialist/Medical practitioner (hereinafter called MEDICAL
PRACTITIONER) or of a duly qualified Surgeon (hereinafter called SURGEON) to incur
hospitalization/ domiciliary hospitalization and domiciliary treatment expenses as defined in the
Scheme, for medical/surgical treatment at any Nursing Home/ Hospital / Clinic (for domiciliary
treatment)/ Day care Centre which are registered with the local bodies in India as herein
defined (hereinafter called HOSPITAL) as an inpatient or otherwise as specified as per the
scheme.
The Scheme covers Employee + Spouse + Dependent Children + any two of the dependent
Parents /Parents-in-law.
No age limit for dependent children (including step children and legally adopted
children).
A child would be considered dependent if his/her monthly income does not exceed
10,000/- per month;
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Widowed Daughter and dependent divorced / separated daughters, sisters including

unmarried / divorced / abandoned or separated from husband/ widowed sisters and
Crippled Child shall be considered shall be considered as dependent for the purpose of
this policy.
Physically challenged Brother / Sister with 40% or more disability shall also be covered
as Dependent.
No Age Limits for Dependent Parents. Any two, i.e. either dependent parents or
parents-in-law will be covered as dependent.
Parents would be considered dependent if their monthly income does not exceed
10,000/- per month or as revised by Indian Banks Association in due course, and
wholly dependent on the employee as defined in this scheme.
All the existing permanent officers / employees of the Banks which are parties to this Settlement
shall be covered by this Scheme from the date of introduction/implementation of this Scheme.
All New Officers / employees shall be covered from the date of joining as per their appointment
in the bank.
Till the new scheme is made effective and gets implemented, the existing provisions as per
Bipartite Settlement/ Joint Note dated 27.4.2010 will continue to operate.
The new Scheme as applicable to the officers/ employees in service would be continued beyond
their retirement/superannuation/resignation, etc. subject to payment of stipulated premium by
them.
The new Scheme would also cover the existing retired officers/ employees of the Banks and
dependent spouse subject to payment of stipulated premium by them.
In the event of any claim becoming admissible under this scheme, the Bank will reimburse the
amount of such expenses as would fall under different heads mentioned below and as are
reasonably and medically necessary incurred thereof by or on behalf of such employee.
Reimbursement shall cover Room and Boarding expenses as provided by the Hospital/Nursing
Home not exceeding 5000 per day or the actual amount whichever is less. Intensive Care Unit
(ICU) expenses not exceeding 7500/- per day or actual amount whichever is less. Surgeon,
team of surgeons, Assistant surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists
Fees, Nursing Charges, Service Charges, IV Administration Charges, Nebulization Charges,
RMO charges, Anaesthetic, Blood, Oxygen, Operation Theatre Charges, surgical appliances, OT
consumables, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Cost of Artificial
Limbs, cost of prosthetic devices implanted during surgical procedure like pacemaker,
defibrillator, ventilator, orthopaedic implants, Cochlear Implant, any other implant, IntraJoint Note-25th May 2015
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Occular Lenses, infra cardiac valve replacements, vascular stents, any other valve replacement,
laboratory/ diagnostic tests, X-ray CT Scan, MRI, any other scan, scopies and such similar
expenses that are medically necessary or incurred during hospitalization as per the advice of the
attending doctor.
Hospitalization expenses (excluding cost of organ) incurred on donor in respect of organ
transplant to officers/ employee/dependent would also be covered for reimbursement.
Pre and Post Hospitalization expenses payable in respect of each hospitalization shall be the
actual expenses incurred subject to 30 days prior to hospitalization and 90 days after discharge.
Alternative systems of treatments other than treatment under Allopathy or modern medicine
shall include Ayurveda, Unani, Siddha, Homeopathy and Naturopathy in the Indian context, for
Hospitalization and Domiciliary treatment.
CASHLESS FACILITY: The scheme also includes the benefit of cashless treatment facility in
hospitals under a scheme worked by the Banks and the hospitals under a common insurance
scheme.
CONTRIBUTION: The officers / employees shall not be required to share the cost of such
benefits under the new scheme. However, in the case of officers / employees retiring from the
Banks after the scheme is introduced and those who are already retired from the services of the
banks and who opt to avail the benefits of the scheme, the amount of contribution by such
persons shall be decided at the respective Bank level.
Day care Treatments shall be covered under the scheme and would refer to medical treatment
and or surgical procedure which is
i.
undertaken under general or local anaesthesia in a hospital/day care centre in less than a
day because of technological advancement, and
ii.
which would have otherwise required hospitalisation of more than a day.

Treatment
normally taken on an out patient basis is not included in the scope of this definition.
DOMICILIARY HOSPITALIZATION: Domiciliary Hospitalization shall be covered under

this scheme and would mean medical treatment for an illness/disease/injury which in the normal
course would require care and treatment at a hospital but is actually taken while confined at
home under any of the following circumstances :
a)
The condition of the patient is such that he/she is not in a condition to be removed to a
hospital or
b)
the patient takes treatment at home on account of non-availability of room in a hospital.
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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.
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, Parkinsons diseases, Psychiatric disorder including
schizophrenia and psychotherapy, Diabetes and its complications, hypertension, Asthma,
Hepatitis B, Hepatitis - C, Hemophilia, Myasthenia gravis, Wilsons disease, Ulcerative Colitis,
Epidermolysis bullosa, Venous Thrombosis (not caused by smoking) Aplastic Anaemia,
Psoriasis, Third Degree burns, Arthritis, Hypothyroidism, Hyperthyroidism, 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, Haemorrhages caused by
accidents, all animal/reptile/insect bite or sting, chronic pancreatitis, Immuno suppressants,
multiple sclerosis / motor neuron disease, status asthamaticus, sequalea 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, Physiotherapy and swine flu shall be considered for reimbursement under
domiciliary treatment.
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.
HOSPITAL / NURSING HOME: A Hospital under this scheme would mean any institution
established for in-patient care and day care treatment of illness and/or injuries and which has
been registered as a Hospital with the local authorities under the Clinical establishments
(Registration and Regulation) Act, 2010 or under the enactments specified under the Schedule of
Section 56(1) of the said Act OR complies with all minimum criteria as under:
-
Has qualified nursing staff under its employment round the clock.
Has at least 10 in-patient beds in towns having a population of less than 10 lacs and at
least 15 in-patient beds in all other places;
-24-
Has qualified medical practitioner(s) in charge, round the clock;
Has a fully equipped Operation Theatre of its own where surgical procedures are carried
out;
Maintains daily records of patients and makes these accessible to the insurance
companys authorized personnel.
This clause will however be relaxed in areas where it is difficult to find such hospitals. The
term ' Hospital / Nursing Home ' shall not include an establishment which is a place of rest, a
place for the aged, a place for drug-addicts or place for alcoholics, a hotel or a similar place.
HOSPITALIZATION: Hospitalization would mean admission in a Hospital/ Nursing Home
for a minimum period of 24 consecutive hours of inpatient care except for specified
procedures/treatments, where such admission could be for a period of less than a day,
ID CARD: In terms of the scheme arrived at between the Banks and insurance companies, ID
Cards would be issued to all the officers / employees/ dependent family members/retired officers
/ employees/their dependents for the purpose of availing cashless facility in network hospitals.
PRE-EXISTING DISEASE: Pre Existing Diseases would be covered for reimbursement under
this scheme.
PREHOSPITALISATION MEDICAL EXPENSES: Medical expenses incurred
immediately 30 days before the insured person is hospitalized will be considered as part of a
claim provided that such medical expenses are incurred for the same condition for which the
insured persons hospitalization was required.
POST HOSPITALISATION MEDICAL EXPENSES: Relevant medical expenses incurred
immediately 90 days after the employee/ dependent/ retirement employee is discharged from the
hospital provided that such medical expenses are incurred for the same condition for which the
Insured Persons Hospitalization was required.
Additional Ex-Gratia for Critical Illness : In addition to the reimbursement covered under
this scheme, officers / employees (only officers / employees and not their dependents or retired
officers / employees) shall be provided additional ex gratia of 1,00,000/- . In case an
employee contracts a Critical Illness as listed below, the sum of 1,00,000/- shall be paid. This
benefit shall be provided on first detection/diagnosis of the Critical Illness.
Cancer including Leukemia

Stroke
Paralysis
By Pass Surgery
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Major Organ Transplant/Bone marrow transplantation

End Stage Liver Disease
Heart Attack
Kidney Failure
Heart Valve Replacement Surgery
Hospitalization is not required to claim this benefit.

Expenses on Hospitalization for minimum period of a day are admissible. However, this time
limit shall not be applied to specific treatments, such as:
1
Adenoidectomy
19
Haemo dialysis
2
3
4
5
6
7
8
9
10
Appendectomy
Auroplasty not Cosmetic in nature
Coronary angiography /Renal
Coronary angioplasty
Dental surgery
D&C
Excision of cyst/granuloma/lump/tumor
Eye surgery
Fracture including hairline fracture
/dislocation
Radiotherapy
Chemotherapy including parental
chemotherapy
Lithotripsy
Incision and drainage of abscess
Varicocelectomy
Wound suturing
FESS
Operations/Micro surgical operations on
the nose, middle ear/internal ear,
tongue, mouth, face, tonsils & adenoids,
salivary glands & salivary ducts, breast,
skin & subcutaneous tissues, digestive
tract, female/male sexual organs.
20
21
22
23
24
25
26
27
28
Fissurectomy / Fistulectomy
Mastoidectomy
Hydrocele
Hysterectomy
Inguinal/ventral/umbilical/femoral hernia
Parenteral chemotherapy
Polypectomy
Septoplasty
Piles/ fistula
29
30
Prostate surgeries
Sinusitis surgeries
31
32
33
34
35
36
Tonsillectomy
Liver aspiration
Sclerotherapy
Varicose Vein Ligation
All scopies along with biopsies
Lumbar puncture
37
Ascitic Pleural tapping
11
12
13
14
15
16
17
18
This condition will also not apply in case of stay in hospital of less than a day provided the
treatment is undertaken under General or Local Anesthesia in a hospital / day care centre in less
than a day because of technological advancement and which would have otherwise required
hospitalization of more than a day.
MATERNITY EXPENSES BENEFIT EXTENSION : Hospitalization expenses in respect of
the new born child can be covered within the Mothers Maternity expenses. The maximum
-26-
benefit allowable under this clause will be up to 50000/- for normal delivery and 75,000/for Caesarean Section.
Baby Day one Cover: New born baby is covered from day one. All expenses incurred on the new
born baby during maternity will be covered in addition to the maternity limit and up to Rs,
20,000/-.
Ambulance Charges: Ambulance charges are payable up to Rs 2500/- per trip to hospital and / or
transfer to another hospital or transfer from hospital to home if medically advised. Taxi and
Auto expenses in actual maximum up to Rs750/- per trip will also be reimbursable.
Ambulance charges actually incurred on transfer from one center to another center due to Non
availability of medical services/ medical complication shall be payable in full.
Congenital Anomalies: Expenses for Treatment of Congenital Internal / External diseases,
defects anomalies are covered under the scheme.
Psychiatric diseases: Expenses for treatment of psychiatric and psychosomatic diseases shall be
payable with or without hospitalization.
Advanced Medical Treatment: All new kinds of approved advanced medical procedures for e.g.
laser surgery, stem cell therapy for treatment of a disease is payable on hospitalization /day care
surgery.
Treatment taken for Accidents can be payable even on OPD basis in Hospital.
Taxes and other Charges : All Taxes , Surcharges , Service Charges , Registration charges,
Admission Charges , Nursing , and Administration charges to be payable.
Charges for diapers and sanitary pads are payable,if necessary, as part of the treatment.
Charges for Hiring a nurse / attendant during hospitalization will be payable only in case of
recommendation from the treating doctor in case ICU / CCU, Neo natal nursing care or any
other case where the patient is critical and requiring special care.
Treatment for Genetic Disorder and stem cell therapy shall be covered under the scheme.
Treatment for Age related Macular Degeneration (ARMD), treatment such as Rotational Field
Quantum magnetic Resonance (RFQMR), Enhanced External Counter Pulsation (EECP), etc.
-27-
are covered under the scheme. Treatment for all neurological/ macular degenerative disorders
shall be covered under the scheme.
Rental Charges for External and or durable Medical equipment of any kind used for diagnosis
and or treatment including CPAP, CAPD, Bi-PAP, Infusion pump etc. will be covered under the
scheme. However purchase of the above equipment to be subsequently used at home in
exceptional cases on medical advice shall be covered.
Ambulatory devices i.e., walker, crutches, Belts, Collars, Caps, Splints, Slings, Braces,
Stockings, elastocrepe bandages, external orthopaedic pads, sub cutaneous insulin pump,
Diabetic foot wear, Glucometer (including Glucose Test Strips)/ Nebulizer/ prosthetic devise/
Thermometer, alpha / water bed and similar related items etc., will be covered under the scheme.
Physiotherapy charges: Physiotherapy charges shall be covered for the period specified by the
Medical Practitioner even if taken at home.
While reimbursement to the officers / employees shall be made by the Banks as hitherto, the
Scheme shall be administered by the Banks through a scheme worked out between IBA/Banks
and Insurance companies and officers / employees would in no way be directly bound by the
terms and conditions of such scheme or arrangements.
However, for the purpose of clarity and information, the details of the Scheme worked out
between IBA/Banks and insurance companies is appended herein as Appendix I & II.
The above stated scheme would not supersede the continuation of any bank-level arrangement or
scheme providing for reimbursement of medical expenses, which is not covered herein, that may
be in operation in any Bank.
__________
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Appendix I
Medical Scheme for the Officers/ Employees of IBA Member Banks,
parties to the Bipartite Settlement/ Joint Note dated 25th May 2015
in lieu of the Existing Hospitalization Scheme
The scheme covers expenses of the officers / employees and dependent in cases he/she shall contract
any
disease or suffer from any illness (hereinafter called DISEASE) or sustain any bodily injury through accident
(hereinafter called INJURY) and if such disease or injury shall require any such insured Person, upon the advice of
a duly qualified Physician/Medical Specialist/Medical practitioner (hereinafter called MEDICAL PRACTITIONER) or
of a duly qualified Surgeon (hereinafter called SURGEON) to incur hospitalization/domiciliary hospitalization and
domiciliary treatment expenses as defined in the Scheme, for medical/surgical treatment at any Nursing
Home/Hospital / Clinic (for domiciliary treatment)/ Day care Centre which are registered with the local bodies, in
India as herein defined (hereinafter called HOSPITAL) as an inpatient or otherwise as specified as per the scheme,
to the extent of the sum insured + Corporate buffer.
1.1.
The Scheme Covers Employee + Spouse + Dependent Children + 2 dependent Parents /parents-in-law.
No age limit for dependent children. (including step children and legally adopted children ) A child
would be considered dependent if their monthly income does not exceed Rs. 10,000/- per month;
which is at present, or revised by Indian Banks Association in due course. Widowed Daughter and
dependant divorced / separated daughters, sisters including unmarried / divorced / abandoned or
separated from husband/ widowed sisters and Crippled Child shall be considered as dependent for
the purpose of this policy. Physically challenged Brother / Sister with 40% or more disability.
No Age Limits for Dependent Parents. Either Dependent Parents or parents-In-law will be covered.
Parents would be considered dependent if their monthly income does not exceed Rs. 10,000/- per
month, which is at present, or revised by Indian Banks Association in due course, and wholly
dependent on the employee as defined in this scheme.
(The definition of family shall undergo a change as decided in due course in the negotiations)
1.2.1
All New Officers / employees to be covered from the date of joining as per their appointment letter. For
additions /deletions during policy period, premium to be charged /refunded on pro rata basis.
1.2.2
Continuity benefits coverage to officers / employees on retirement and also to the Retired Officers /
employees, who may be inducted in the Scheme.
1.3
Sum Insured: Hospitalization and Domiciliary Treatment coverage as defined in the scheme per annum
Officers
: Rs.400000
Clerical Staff : Rs.300000
Sub Staff
: Rs.300000
Change in sum insured after commencement of policy to be considered in case of promotion of the
employee or vice versa.
1.4
Corporate Buffer: Rs. 100,00,00,000/- Corporate buffer may be appropriated as per the premium of the
bank. If the Corporate buffer of one bank is exhausted, the remaining amount can be claimed from the
unutilized corporate buffer of the other banks. Corporate Buffer can be authorized by the Management,
through an Authorized person / Committee as decided by IBA / Bank, and informed directly to the THIRD
PARTY ADMINISTRATOR by keeping the insurance company in the loop.
-29-
1.5
In the event of any claim becoming admissible under this scheme, the company will pay through Third
Party Administrator to the Hospital / Nursing Home or insured the amount of such expenses as would
fall under different heads mentioned below and as are reasonably and medically necessary incurred
thereof by or on behalf of such insured but not exceeding the Sum Insured in aggregate mentioned in
the schedule hereto.
A.
B.
1.6
Room and Boarding expenses as provided by the Hospital/Nursing Home not exceeding
Rs. 5000 per day or the actual amount whichever is less.
Intensive Care Unit (ICU) expenses not exceeding Rs. 7500 per day or actual amount whichever is
less.
C.
Surgeon, team of surgeons, Assistant surgeon, Anesthetist, Medical Practitioner, Consultants,

Specialists Fees.
D.
Nursing Charges , Service Charges, IV Administration Charges, Nebulization Charges, RMO charges,
Anaesthetic, Blood, Oxygen, Operation Theatre Charges, surgical appliances, OT consumables,
Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Cost of Artificial Limbs, cost of
prosthetic devices implanted during surgical procedure like pacemaker, Defibrillator, Ventilator,
orthopaedic implants, Cochlear Implant, any other implant, Intra-Occular Lenses, , infra cardiac
valve replacements, vascular stents, any other valve replacement, laboratory/diagnostic tests, Xray CT Scan, MRI, any other scan, scopies and such similar expenses that are medically necessary,
or incurred during hospitalization as per the advice of the attending doctor.
E.
Hospitalization expenses (excluding cost of organ) incurred on donor in respect of organ transplant
to the insured.
Pre and Post Hospitalization expenses payable in respect of each hospitalization shall be the actual
expenses incurred subject to 30 days prior to hospitalization and 90 days after discharge.
2. DEFINITIONS:
2.1 ACCIDENT: An accident is a sudden, unforeseen and involuntary event caused resulting in injury 2.2
A.
B.
Acute condition Acute condition is a disease, illness or injury that is likely to respond quickly to
treatment which aims to return the person to his or her state of health immediately before suffering
the disease/illness/injury which leads to full recovery.
Chronic condition A chronic condition is defined as a disease, illness, or injury that has one or more
of the following characteristics
i.
It needs ongoing or long-term monitoring through consultations, examinations, check-ups
and/or tests
ii.
It needs ongoing or long-term control or relief of symptoms
iii.
It requires your rehabilitation or for you to be specially trained to cope with it
iv.
It continues indefinitely
v.
It comes back or is likely to come back.
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2.3
ALTERNATIVE TREATMENTS:
Alternative Treatments are forms of treatment other than treatment Allopathy or modern medicine and
includes Ayurveda, unani, siddha homeopathy and Naturopathy in the Indian Context, for Hospitalisation
only and Domiciliary for treatment only under ailments mentioned under clause number 3.1
(Ref: 3.4 Alternative Therapy)
2.4
ANY ONE ILLNESS:

Any one illness will be deemed to mean continuous period of illness and it includes relapse within 45 days
from the date of last consultation with the Hospital / Nursing Home where treatment has been taken.
Occurrence of the same illness after a lapse of 45 days as stated above will be considered as fresh illness for
the purpose of this policy.
2.5
CASHLESS FACILITY:
Cashless facility means a facility extended by the insurer to the insured where the payments, of the cost of
treatment undergone by the employee and the dependent family members of the insured in accordance
with the policy terms and conditions, or directly made to the network provider by the insurer to the extent
pre-authorization approved.
2.6
CONGENITAL ANOMALY:
Congenital Anomaly refers to a condition(s) which is present since birth, and which is abnormal with
reference to form, structure or position.
2.7
a.
Internal Congenital Anomaly which is not in the visible and accessible parts of the body
b.
External Congenital Anomaly which is in the visible and accessible parts of the body
CONDITION PRECEDENT:
Condition Precedent shall mean a policy term or condition upon which the Insurers liability under the
policy is conditional upon.
2.8
CONTRIBUTION:
The Officers / employees will not share the cost of an indemnity claim on a ratable proportion from their
personal Insurance Policies.
2.9 DAYCARE CENTRE:

A day care centre means any institution established for day care treatment of illness and/ or injuries or a
medical setup within a hospital and which has been registered with the local authorities, wherever applicable,
and is under the supervision of a registered and qualified medical practitioner AND must comply with all
minimum criteria as under;- has qualified nursing staff under its employment
- has all qualified medical practitioner(s) in charge
- has a fully equipped operation theatre of its own where surgical procedures are carried out.
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- maintains daily records of patients and will make these accessible to the insurance companies authorised
personnel.
2.10 DAY CARE TREATMENT:
Day care Treatment refers to medical treatment and or surgical procedure which is
iii.
undertaken under general or local anesthesia in a hospital/day care Centre in less than a day because
of technological advancement, and
iv.
Which would have otherwise required a hospitalisation of more than a day.
Treatment normally taken on an out patient basis is not included in the scope of this definition.
2.11 DOMICILIARY HOSPITALIZATION:
Domiciliary Hospitalization means medical treatment for an illness/disease/injury which in the normal
course would require care and treatment at a hospital but is actually taken while confined at home under
any of the following circumstances:
c)
The condition of the patient is such that he/she is not in a condition to be removed to a hospital or
d) The patient takes treatment at home on account of non-availability of room in a hospital.
2.12 DOMICILIARY TREATMENT

Treatment taken for specified diseases which may or may not require hospitalization as mentioned in the
Scheme under clause Number 3.1
2.13 HOSPITAL / NURSING HOME:
A Hospital means any institution established for in-patient care and day care treatment of illness and/or
injuries and which has been registered as a Hospital with the local authorities under the Clinical
establishments (Registration and Regulation) Act, 2010 or under the enactments specified under the
Schedule of Section 56(1) of the said Act OR complies with all minimum criteria as under
-
Has qualified nursing staff under its employment round the clock.
Has at least 10 in-patient beds in towns having a population of less than 10 lacs and at least 15 inpatient beds in all other places;
Has qualified medical practitioner(s) in charge round the clock;
Has a fully equipped Operation Theatre of its own where surgical procedures are carried out;
Maintains daily records of patients and makes these accessible to the insurance companys
authorized personnel.
The term ' Hospital / Nursing Home ' shall not include an establishment which is a place of rest,
the aged, a place for drug-addicts or place for alcoholics, a hotel or a similar place.
This clause will however be relaxed in areas where it is difficult to find such hospitals.
-32-
a place for
2.14 HOSPITALIZATION:
Hospitalization means admission in a Hospital/Nursing Home for a minimum period of 24 consecutive
hours of inpatient care except for specified procedures/treatments, where such admission could be for a
period of less than a day, as mentioned in clauses 2.9 and 2.10
2.15 ID CARD:
ID Card means the identity card issued to the insured person by the THIRD PARTY ADMINISTRATOR to avail
cashless facility in network hospitals.
2.16 ILLNESS:
Illness means a sickness or a disease or pathological condition leading to the impairment of normal
physiological function which manifests itself during the policy period and requires medical treatment.
2.17 INJURY:
Injury means accidental physical bodily harm excluding illness or disease which is verified and certified by a
medical practitioner.
However all types of Hospitalization is covered under the Scheme.
2.18 IN PATIENT CARE:
In Patient Care means treatment for which the insured person has to stay in a hospital for more than a day
for a covered event.
2.19 INTENSIVE CARE UNIT:
Intensive Care Unit means an identified section, ward or wing of a Hospital which is under the constant
supervision of a dedicated medical practitioner(s) and which is specially equipped for the continuous
monitoring and treatment of patients who are in a critical condition, or require life support facilities and
where the level of care and supervision is considerably more sophisticated and intensive than in the
ordinary and other wards.
2.20 MATERNITY EXPENSES:

Maternity expenses/treatment shall include:
a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean
sections incurred during hospitalization).
b) Expenses towards medical termination of pregnancy during the policy period.
C) Complications on Maternity would be covered up to the Sum Insured plus the Corporate Buffer.
2.21 MEDICAL ADVICE:
Any consultation or advice from a medical practitioner/doctor including the issue of any prescription or
repeat prescription.
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2.22 MEDICAL EXPENSES:

Medical Expenses means those expenses that an insured person has necessarily and actually incurred for
medical treatment on account of illness or accident on the advice of a medical practitioner, as long as these
are no more than would have been payable if the insured person had not been insured.
2.23 MEDICALLY NECESSARY:
Medically necessary treatment is defined as any treatment, test, medication or stay in hospital or part of a
stay in a hospital which
-
is required for the medical management of the illness or injury suffered by the insured;
must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in
scope, duration or intensity;
must have been prescribed by a medical practitioner;
must confirm to the professional standards widely accepted in international medical practice or by the
medical community in India.
2.24 MEDICAL PRACTITIONER:

Medical Practitioner is a person who holds a valid registration from the Medical Council of any State or
Medical Council of India or Council for Indian Medicine or the homeopathy set up by the Government of India
or a State Government and is thereby entitled to practice medicine within its jurisdiction; and is acting within
the scope and jurisdiction of his license. The term medical practitioner would include physician, specialist and
surgeon.
(The Registered practitioner should not be the insured or close family members such as parents, parents-inlaw, spouse and children.)
2.25 NETWORK PROVIDER:
Network Provider means hospitals or health care providers enlisted by an insurer or by a Third Party
Administrator and insurer together to provide medical services to an insured on payment by a cashless
facility.
The list of network hospitals is maintained by and available with the THIRD PARTY ADMINISTRATOR and the
same is subject to amendment from time to time.
2.26 NEW BORN BABY:
A new born baby means baby born during the Policy Period aged between one day and 90 days, both days
inclusive.
2.27 NON NETWORK :
Any hospital, day care Centre or other provider that is not part of the network.
2.28 NOTIFICATION OF CLAIM
Notification of claim is the process of notifying a claim to the Bank, insurer or Third Party Administrator as
well as the address/telephone number to which it should be notified.
-34-
2.29 OPD TREATMENT:

OPD Treatment is one in which the insured visits a clinic/hospital or associated facility like a consultation room
for diagnosis and treatment based on the advice of medical a practitioner. The insured is not admitted as a
day care or in-patient.
2.30 PRE-EXISTING DISEASE:
Pre Existing Disease is any condition, ailment or injury or related condition(s) for which you had signs or
symptoms, and/or were diagnosed, and/or received medical advice/treatment, prior to the first policy issued
by the insurer.
2.31 PRE HOSPITALISATION MEDICAL EXPENSES:
Medical expenses incurred immediately 30 days before the insured person is hospitalized will be considered
as part of a claim as mentioned under Item 1.2 above provided that;
i. such medical expenses are incurred for the same condition for which the insured persons hospitalization
was required and
ii. the inpatient hospitalization claim for such hospitalization is admissible by the insurance company.
2.32 POST HOSPITALISATION MEDICAL EXPENSES:
Relevant medical expenses incurred immediately 90 days after the Insured person is discharged from the
hospital provided that;
a.
Such Medical expenses are incurred for the same condition for which the Insured Persons
Hospitalization was required; and
b.
The In-patient Hospitalization claim for such Hospitalization is admissible by the Insurance
Company.
2.33 QUALIFIED NURSE:

Qualified Nurse is a person who holds a valid registration from the Nursing Council of India or the Nursing
Council of any state in India and/or who is employed on recommendation of the attending medical
practitioner.
2.34 REASONABLE AND CUSTOMARY CHARGES:
Reasonable Charges means the charges for services or supplies, which are the standard charges for the specific
provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking
into account the nature of the illness/injury involved.
2.35 ROOM RENT:
Room Rent shall mean the amount charged by the hospital for the occupancy of a bed on per day basis.
2.36
SUBROGATION:
Subrogation shall mean the right of the insurer to assume the rights of the insured person to recover
expenses paid out under the policy that may be recovered from any other source. It shall exclude the
medical / accident policies obtained by the insured person separately.
-35-
2.37
SURGERY:
Surgery or surgical procedure means manual and/or operative procedure(s) required for treatment of an
illness or injury, correction of deformities and defects, diagnosis and cure of diseases, relief of suffering or
prolongation of life, performed in a hospital or day care Centre by a medical practitioner.
2.38 Third Party Administrator

Third Party Administrator means a Third Party Administrator who holds a valid License from Insurance
Regulatory and Development Authority to act as a THIRD PARTY ADMINISTRATOR and is engaged by the
Company for the provision of health services as specified in the agreement between the Company and Third
Party Administrator.
2.39 UNPROVEN/EXPERIMENTAL TREATMENT:
Unproven/Experimental treatment is treatment, including drug Experimental therapy, which is not based on
established medical practice in India.
3. COVERAGES:
3.1
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 attending
medical practitioner and / or 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, Parkinsons diseases, Psychiatric disorder including schizophrenia and psychotherapy ,
Diabetes and its complications, hypertension, Hepatitis B , Hepatitis - C, Hemophilia, Myasthenia gravis,
Wilsons disease, Ulcerative Colitis , Epidermolysis bullosa, Venous Thrombosis(not caused by smoking)
Aplastic Anaemia, Psoriasis, Third Degree burns, Arthritis , Hypothyroidism , Hyperthyroidism expenses
incurred on radiotherapy and chemotherapy in the treatment of cancer and leukemia, Glaucoma, Tumor,
Diptheria, Malaria, Non-Alcoholic Cirrhosis of Liver, Purpura, Typhoid, Accidents of Serious Nature , Cerebral
Palsy, , Polio, All Strokes Leading to Paralysis, Haemorrhages caused by accidents, All animal/reptile/insect
bite or sting , chronic pancreatitis, Immuno suppressants, multiple sclerosis / motorneuron disease, status
asthamaticus, sequalea 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 obstructive Pulmonary Disease, Chronic
Bronchitis, Asthma, Physiotherapy and swine flu shall be considered for reimbursement under domiciliary
treatment.
The cost of Medicines, Investigations, and consultations, etc.in respect of domiciliary treatment shall be
reimbursed for the period stated by the specialist and / or the attending doctor and / or the banks medical
officer, in Prescription. If no period stated, the prescription for the purpose of reimbursement shall be valid
for a period not exceeding 90 days.
3.2
Critical Illness : To be provided to the employee only subject to a sum insured of Rs. 1,00,000/- . Cover starts
on inception of the policy. In case an employee contracts a Critical Illness as listed below, the total sum
insured of Rs.1,00,000/- is paid, as a benefit. This benefit is provided on first detection/diagnosis of the Critical
Illness.
Cancer including Leukemia
-36-
Stroke
Paralysis
By Pass Surgery
Major Organ Transplant
End Stage Liver Disease
Heart Attack
Kidney Failure
Heart Valve Replacement Surgery
Hospitalization is not required to claim this benefit. Further the Employee can claim the cost of hospitalization
on the same from the Group Mediclaim Policy as cashless / reimbursement of expenses for the treatment taken
by him.
3.3
Expenses on Hospitalization for minimum period of a day are admissible. However, this time limit is not applied
to specific treatments, such as
1
Adenoidectomy
20
Haemo dialysis
2
3
4
5
6
7
8
9
10
11
12
Appendectomy
Ascitic / Plueral tapping
Auroplasty not Cosmetic in nature
Coronary angiography /Renal
Coronary angioplasty
Dental surgery
D&C
Excision of cyst/ granuloma/lump/tumor
Eye surgery
Fracture including hairline fracture /dislocation
Radiotherapy
21
22
23
24
25
26
27
Fissurectomy / Fistulectomy
Mastoidectomy
Hydrocele
Hysterectomy
Inguinal/ ventral/ umbilica/ femoral hernia
Parenteral chemotherapy
Polypectomy
28
29
30
Septoplasty
Piles/ fistula
Prostate surgeries
13
Chemotherapy including parental chemotherapy
31
Sinusitis surgeries
14
15
16
17
18
Lithotripsy
Incision and drainage of abscess
Varicocelectomy
Wound suturing
FESS
Operations/Micro surgical operations on the nose,
middle ear/internal ear, tongue, mouth, face,
tonsils & adenoids, salivary glands & salivary ducts,
breast, skin & subcutaneous tissues, digestive
tract, female/male sexual organs.
32
33
34
35
36
Tonsillectomy
Liver aspiration
Sclerotherapy
Varicose Vein Ligation
All scopies along with biopsies
37
Lumbar puncture
19
This condition will also not apply in case of stay in hospital of less than a day provided
-37-
a. The treatment is undertaken under General or Local Anesthesia in a hospital / day care Centre in less
than a day because of technological advancement and
b. Which would have otherwise required hospitalization of more than a day.
3.4
Alternative Therapy : Reimbursement of Expenses for hospitalization or domiciliary treatment (under

clause 3.1) under the recognized system of medicines , viz, Ayurvedic ,Unani, Sidha, Homeopathy ,
Naturopathy , if such treatment is taken in a clinic /hospital registered, by the central and state
government .
3.5
MATERNITY EXPENSES BENEFIT EXTENSION

The hospitalization expenses in respect of the new born child can be covered within the Mothers
Maternity expenses. The maximum benefit allowable under this clause will be up to Rs. 50000/- for
Normal Delivery and Rs. 75,000/- for Caesarean Section.
Special conditions applicable to Maternity expenses Benefit Extension:

I.
9 months waiting period under maternity benefit will be waived from the policy.
II.
Pre-natal & post natal charges in respect of maternity benefit are covered under the policy up to 30
days and 60 days only, unless the same requires hospitalization.
III.
Missed Abortions , Miscarriage or abortions induced by accidents are covered under the limit of
Maternity
Complications in Maternity including operations for extra uterine pregnancy ectopic pregnancy
would be covered in the up to the Sum Insured + Corporate Buffer
Expenses incurred for Medical Termination of Pregnancy
Claim in respect of delivery to be given irrespective of the number of children
IV.
V.
VI.
3.6
Baby Day one Cover: New born baby is covered from day one. All expenses incurred on the new born
baby during maternity will be covered in addition to the maternity limit up to Rs, 20000/-.
However if the baby contacts any illness the same shall be considered in the Sum Insured + Corporate
buffer. Baby to be taken as an additional member within the normal family floater.
3.7
3.8
Ambulance Charges: Ambulance charges are payable up to Rs 2500/- per trip to hospital and / or transfer
to another hospital or transfer from hospital to home if medically advised. Taxi and Auto expenses in
actual maximum up to Rs750/- per trip.
Ambulance charges actually incurred on transfer from one center to another center due to Non
availability of medical services/ medical complication shall be payable in full.
Pre- Existing Diseases / Ailments: Pre-existing diseases are covered under the scheme.
3.9
Congenital Anomalies: Expenses for Treatment of Congenital Internal / External diseases, defects
anomalies are covered under the policy
3.10
Psychiatric diseases: Expenses for treatment of psychiatric and psychosomatic diseases be payable with
or without hospitalization.
-38-
3.11
Advanced Medical Treatment: All new kinds of approved advanced medical procedures for e.g. laser
surgery, stem cell therapy for treatment of a disease is payable on hospitalization /day care surgery.
3.12
Treatment taken for Accidents can be payable even on OPD basis in Hospital up to Sum Insured.
3.13
Taxes and other Charges : All Taxes , Surcharges , Service Charges , Registration charges , Admission
Charges , Nursing , and Administration charges to be payable.
Charges for diapers and sanitary pads are payable if necessary as part of the treatment
Charges for Hiring a nurse / attendant during hospitalization will be payable only in case of
recommendation from the treating doctor in case ICU / CCU, Neo natal nursing care or any other case
where the patient is critical and requiring special care.
3.14
Treatment for Genetic Disorder and stem cell therapy is covered under the scheme.
3.15
Treatment for Age related Macular Degeneration (ARMD), treatment such as Rotational Field Quantum
magnetic Resonance (RFQMR), Enhanced External Counter Pulsation (EECP), etc. are covered under the
scheme. Treatment for all neurological/ macular degenerative disorders shall be covered under the
scheme.
3.16
Rental Charges for External and or durable Medical equipment of any kind used for diagnosis and or
treatment including CPAP, CAPD, Bi-PAP, Infusion pump etc. will be covered under the scheme. However
purchase of the above equipment to be subsequently used at home in exceptional cases on medical
advice shall be covered.
3.17
Ambulatory devices i.e., walker, crutches, Belts, Collars, Caps, Splints, Slings, Braces, Stockings,
elastocrepe bandages, external orthopaedic pads, sub cutaneous insulin pump, Diabetic foot wear,
Glucometer (including Glucose Test Strips)/ Nebulizer/ prosthetic devise/ Thermometer, alpha / water
bed and similar related items etc., will be covered under the scheme.
3.18 Physiotherapy charges: Physiotherapy charges shall be covered for the period specified by the Medical
Practitioner even if taken at home.
All claims admitted in respect of any/all insured person/s during the period of insurance shall not exceed
the Sum Insured stated in the schedule and Corporate Buffer if allocated.
4. EXCLUSIONS:
The company shall not be liable to make any payment under this policy in respect of any expenses whatsoever
incurred by any Insured Person in connection with or in respect of:
4.1 Injury / disease directly or indirectly caused by or arising from or attributable to War, invasion, Act of Foreign
enemy, War like operations (whether war be declared or not).
4.2 a. Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be
necessitated due to an accident.
b. Vaccination or inoculation.
c.
Change of life or cosmetic or aesthetic treatment of any description is not covered.
-39-
d. Plastic surgery other than as may be necessitated due to an accident or as part of any illness.
4.3 Cost of spectacles and contact lenses, hearing aids. Other than Intra-Ocular Lenses and Cochlear Implant.
4.4
nature.
4.5
4.6
4.7
Dental treatment or surgery of any kind which are done in a dental clinic and those that are cosmetic in
Convalescence, rest cure, Obesity treatment and its complications including morbid obesity, , treatment
relating disorders, Venereal disease, intentional self-injury and use of intoxication drugs / alcohol.
All expenses arising out of any condition directly or indirectly caused to or associated with Human T-Cell
Lymphotropic Virus Type III (HTLB - III) or lymphadinopathy Associated Virus (LAV) or the Mutants
Derivative or Variation Deficiency Syndrome or any syndrome or condition of a similar kind commonly
referred to as AIDS.
Charges incurred at Hospital or Nursing Home primarily for diagnosis x-ray or Laboratory examinations or
other diagnostic studies not consistent with or incidental to the diagnosis and treatment of positive
existence of presence of any ailment, sickness or injury, for which confinement is required at a Hospital /
Nursing Home, unless recommended by the attending doctor.
4.8
Expenses on vitamins and tonics unless forming part of treatment for injury or diseases as certified by the
attending physician
4.9
Injury or Disease directly or indirectly caused by or contributed to by nuclear weapon / materials.
4.10 All non-medical expenses including convenience items for personal comfort such as charges for telephone,
television, /barber or beauty services, died t charges, baby food, cosmetics, tissue paper, diapers,
sanitary pads, toiletry items and similar incidental expenses, unless and otherwise they are necessitated
during the course of treatment.
5.
CONDITIONS:
5.1
Contract: the proposal form, declaration, and the policy issued shall constitute the complete contract of
insurance.
5.2
Every notice or communication regarding hospitalization or claim to be given or made under this Policy
shall be communicated to the office of the Bank, dealing with Medical Claims, and/or the THIRD PARTY
ADMINISTRATOR office as shown in the Schedule. Other matters relating to the policy may be
communicated to the policy issuing office.
5.3
The premium payable under this Policy shall be paid in advance. No receipt for Premium shall be valid
except on the official form of the company signed by a duly authorized official of the company. The due
payment of premium and the observance and fulfillment of the terms, provisions, conditions and
endorsements of this Policy by the Insured Person in so far as they relate to anything to be done or
complied with by the Insured Person shall be a condition precedent to any liability of the Company to
make any payment under this Policy. No waiver of any terms, provisions, conditions and endorsements
of this policy shall be valid unless made in writing and signed by an authorised official of the Company.
-40-
5.4
Notice of Communication: Upon the happening of any event which may give rise to a claim under this
Policy notice with full particulars shall be sent to the Bank or Regional Office or THIRD PARTY
ADMINISTRATOR named in the schedule at the earliest in case of emergency hospitalization within 7 days
from the time of Hospitalisation/Domiciliary Hospitalisation .
5.5
All supporting documents relating to the claim must be filed with the office of the Bank dealing with the
claims or THIRD PARTY ADMINISTRATOR within 30 days from the date of discharge from the hospital. In
case of post-hospitalisation, treatment (limited to 90 days), (as mentioned in para 2.32) all claim
documents should be submitted within 30 days after completion of such treatment.
Note:
Waiver of these Conditions 5.4 and 5.5 may be considered in extreme cases of hardship where it is proved
to the satisfaction of the Bank that under the circumstances in which the insured was placed it was not
possible for him or any other person to give such notice or deliberate or file claim within the prescribed
time-limit. The same would be waived by the TPA without reference to the Insurance Company.
5.5.1
The Insured Person shall obtain and furnish to the office of the Bank dealing with the claims / THIRD
PARTY ADMINISTRATOR with all original bills, receipts and other documents upon which a claim is based
and shall also give such additional information and assistance as the Bank through the THIRD PARTY
ADMINISTRATOR/Company may require in dealing with the claim.
5.5.2
Any medical practitioner authorised by the Bank / Third Party Administrator / shall be allowed to
examine the Insured Person in case of any alleged injury or disease leading to Hospitalisation, if so
required.
5.6
The Company shall not be liable to make any payment under this policy in respect of any claim if such
claim be in any manner fraudulent or supported by any fraudulent means or device whether by the
Insured Person or by any other person acting on his behalf.
5.7
DISCLOSURE TO INFORMATION NORM

The claim shall rejected in the event of misrepresentation, mis-description or non-disclosure of any
material fact.
5.8
Claims will be managed through the same Office of the Bank from where it is managed at present. The
Insurance Companies third party administrator will be setting up a help desk at that office and supporting
the bank in clearing all the claims on real time basis.
5.9
In case of rejection of claims it would go through a Committee set up of the Bank, Third Party
Administrator and United India Insurance Co Ltd. unless rejected by the committee in real time the claim
should not be rejected.
5.10
There would be a continuity of this Scheme / benefits to the Retiring Officers / employees and their
family and also to the Retired Officers / employees and their family.
_____
-41-
Appendix II
Mapping the underwriting, process, servicing and claims for the Medical Scheme of
the Officers / employees and their family members of Indian Banks Association
Member Banks
1. The policy will be issued in the name of Indian Banks Association Member Banks and
the list of the member banks would be mentioned giving the data of the officers /
employees bifurcated into:a) Officers with the data of their dependent family members.
b) Clerical staff with the data of their dependent family members.
c) Sub staff with the data of their dependent family members.
The premium is decided by the number of officers / employees uniformly but not
based on the number of dependent family members. The collection of data of
dependent family members at the initial stage may take long time. In such cases
claims pertaining to dependent family members of officers / employees pending
collection of data may be settled on certification and recommendation of the
appropriate authority of the respective bank.
2. The policy will commence on a uniform date for all the member banks to ensure they get
the benefit of the large number of officers / employees which has been instrumental in
the procurement of the most competitive premium quote and would eventually also
reflect in a positive claim ratio.
3. The member banks will submit their data and pay the premium to the lead Insurance
Company viz. United India Insurance Co. Ltd., in proportion to their employee strength.
4. The insured name of Indian Banks Association is used for getting the benefit of mass
scale underwriting and a positive claim ratio that would benefit all the member Banks.
All underwriting, process and claim servicing will be done by the member Banks
directly with United India Insurance Co. Ltd. and K. M. Dastur Reinsurance Brokers Pvt.
Ltd.
5. The Corporate Buffer of all the member banks will be in proportion to the percentage of
their premium contribution.
6. The allocation and use of this Corporate Buffer would rest with the individual
management of the member bank. At the end of the year we would have a joint review on
how many banks have totally utilized their Corporate Buffer and how many other
member banks have not utilized their Corporate Buffer totally. The unutilized Corporate
Buffer of the member banks would now be proportionately available to the member
banks whose Corporate Buffer has been totally utilized. This would be one of the major
benefits of the Group underwriting of all the member banks under one policy and at the
same time individual underwriting of each member banks for data processing, servicing
and claims.
-42-
7. The claim settlement of the member banks would be done in the same process as
followed in the past, by each individual member banks.
8. The Third Party Administrator, appointed by the lead insure viz United India Insurance
Co. Ltd. will station their representative at the banks regional/ nodal offices from where
these banks have been settling medical claims of their officers / employees.
9. The Third Party Administrator, would have a Dedicated Office, Server and a 24 X 7 Call
Centre for the Member Banks of the Indian Banks Association.
10. The officers / employees would submit the claims to the same regional / nodal offices
where they have been submitting in the past and the Third Party Administrator
representative will be the backup support and ensure claim settlement is completed in
thirty minutes.
11. (The Third Party Administrator should ensure placement of representative in all the
regional/nodal offices of the member banks where the officers / employees have been
submitting their claims in the past)
12. No claims would be rejected by the insurance company/ Third Party Administrator unless
the same is rejected by the committee comprising of the Bank management, Insurance
Company, Third Party Administrator and K. M. Dastur Reinsurance Brokers Pvt Ltd.
13. All the officers / employees and their family members would be issued ID cards by the
Third Party Administrator, of the Insurance Company ie. United India Insurance Co. Ltd.
In case the employee or his family member gets admitted in any of the preferred Provider
Network of hospitals on production of ID card, the hospital authority in turn shall notify
by fax / mail the details of hospitalisation along with ID card number and Name of the
employee to the Third Party Administrator, who would again revert by fax / mail a
confirmation to the hospital to proceed with the claim. This would even enable them to
claim from anywhere in India and they would be able to admit themselves in hospitals
anywhere in India by merely calling the dedicated call centres of the Third Party
Administrator, which would be working on a 24x7 basis. The Third Party Administrator,
would even be able to advise the officers / employees on the nearest hospital available in
their area. In case of an emergency admission to a hospital which is not in PP Network,
the officers / employees also have a benefit to get himself admitted on a cashless basis by
intimating the Third Party Administrator, call centre number, mentioning his ID card No
and name. The hospital authority would fax / mail the details of hospitalisation to the
Third Party Administrator, who would again revert by fax / mail a confirmation to the
hospital to proceed with the claim.
14. Most of the claims would be cashless; which would be paid directly to the hospital
concerned.
15. The reimbursement claims of pre and post hospitalisation or in a few cases of actual
hospitalisation would be paid to the officers / employees through the banks regional/
nodal offices or directly credited to the officers / employees account.
-43-
16. In case of reimbursement claim where the employee has not informed the banks Regional
/ Nodal offices; they may phone the 24 X 7 call centre of the Third Party Administrator
giving the details of their card ID number and name. In such cases the reimbursement
claim should be submitted on completion of hospitalisation and not later than 30 days of
discharge from the hospital. In case of post-hospitalisation treatment, all claim
documents should be submitted within 30 days after completion of such treatment.
Wherever the hospitals are not in the approved list of Third Party Administrator, the
Third Party Administrator should take necessary action for addition of those hospitals on
their network hospital list in consultation with bank. In an emergency the claim payment
would be paid to the hospital account and empanelment of the hospital would be
considered.
17. All the addition and deletion of the officers / employees and dependents of the various
member banks would be done on a monthly basis. A newly recruited employee would
automatically be admitted in the medical scheme from the date of his appointment letter.
This has to be reflected in the addition / deletion statement to be sent to the Third Party
Administrator/ K. M. Dastur Reinsurance Broker Pvt. Ltd., before the 10th of the
beginning of every month.
18. ID cards will be prepared within 10 working days from the date of receipt of data. These
cards can be couriered to the respective branch office in which the employee is located.
The cards can be distributed by at the branch office by the banks branch manager / any
other person who is made responsible for the same. Corrections in cards, if any can be emailed to an exclusive id which will be exclusive for cards correction errors. These cards
will be corrected and resent within 2 working days from the receipt of correction mail.
19. An adequate deposit premium have to be placed by the member banks for this addition,
as this is a regulatory compliance under section 64 V B of the Insurance Act; wherein no
insurance can be initiated without the payment of the premium.
20. At the same time refund premium of all deletions would be credited in the deposit
account of the member banks.
21. All additions / deletions of officers / employees and family members would be on pro
rata basis. In case, some member banks joined the scheme sometime after the main
master policy has been incepted, they would also be joining on a prorate premium.
_______
-44-
Annexure V
Special Area Allowance
Allowances ()
Sr.
No.
Area
Pay below
24,000/-
Pay above
24,000/-
(1)
(2)
(3)
(4)
2000
2600
b) Entire Lunglei District excluding areas beyond 25 kms.

from Lunglei town.
1600
2100
c) Entire Aizawl District
1200
1500
2.
Nagaland
1600
2100
3.
Andaman & Nicobar Islands

a) North Andaman, Middle Andamans, Little Andaman,
Nicobar & Narcondum Islands
2000
2600
b) South Andaman (including Port Blair)
1600
2100
4.
Sikkim
2000
2600
5.
Lakshadweep Islands
2000
2600
6.
Assam
320
400
7.
Meghalaya
320
400
8.
Tripura
a) Difficult areas of Tripura
1600
2100
b) Throughout Tripura except difficult areas.
1200
1500
9.
Manipur
1200
1500
10.
Arunachal Pradesh
a) Difficult areas of Arunachal Pradesh
2000
2600
1600
2100
2000
2600
2000
2600
1600
2100
1.
Mizoram
a) Chimptuipui District and areas beyond 25 kms. from
Lunglei Town in Lunglei District.
b) Throughout Arunachal Pradesh other than difficult

areas.
11.
Jammu & Kashmir

1) Kathua District:
Niabat Bani, Lohi, Malhar and Machhodi
2) Udhampur District:
a) Dudu Basantgarh, Lander Bhamag Illaqa, other
than those included in Part 2(b).
b) Areas upto Goel from Kamban Side and areas upto
Arnas from Keasi side in Tehsil Mohre.
-45-
Allowances ()
Sr.
No.
Area
Pay below
24,000/-
Pay above
24,000/-
(1)
(2)
(3)
(4)
2000
2600
2000
2600
2000
2600
1600
2100
1200
1500
1200
1500
2000
2600
(b) Bharmour Tehsil, excluding Panchayats and

Villages included in (a) above.
1600
2100
(c) Jhandru Panchayat in Bhatiyat Tehsil,Churah

Tehsil, Dalhousie Town (including Banikhet
proper).
1200
1500
2000
2600
1600
2100
3) Doda District:
Illaquas of Padder and Niabat Nowgam in Kishtwar
Tehsil
4) Leh District :
All places in the District
5) Barmulla District
a) Entire Gurez-Nirabat, Tangdar Sub-Division and
Keran Illaqua
b) Matchill
6) Poonch and Rajouri District :
Areas in Poonch and Rajouri District excluding the
towns of Poonch and Rajouri and Sunderbani and other
urban areas in the two Districts
7) Areas not included in (1) to (6) above, but which are
within the distance of 8 kms. from the line of Actual
Control or at places which may be declared as
qualifying for border allowance from time-to-time by
the State Government for their own staff.
12.
Himachal Pradesh
(1) Chamba District
(a) Pangi Tehsil, Bharmour Tehsil, Panchayats :
Badgaun, Bajol, Deol Kugti, Nayagam and Tundah,
Villages: Ghatu of Gram Panchayat Jagat, Kanarsi
of Gram Panchayat Chauhata
(2) Kinnaur District:

a) Asrang, Chitkul and Hango Kuno/ Charang
Panchayats,15/ 20 Area comprising the Gram
Panchayats of Chhota Khamba, Nathpa and Rupi,
Pooh Sub-Division, excluding the Panchayat Areas
specified above.
b) Entire District other than Areas included in (a)
above.
-46-
Allowances ()
Sr.
No.
Area
Pay below
24,000/-
Pay above
24,000/-
(1)
(2)
(3)
(4)
(3) Kullu District:

a) 15/20 Area of Nirmand Tehsil, comprising the Gram
Panchayats of Kharga, Kushwar and Sarga
2000
2600
1200
1500
2000
2600
2000
2600
b) Dora-Kawar Tehsil, Gram Panchayat of Darkali in

Rampur, Kashapath Tehsil and Munish, Ghori
Chaibis of Pargana Sarahan.
1600
2100
c) Chopal Tehsil and Ghoris, Panjgaon, Patsnau,

Naubis and Teen Koti of Pargana Sarahan, Deothi
Gram Panchayat of Taklesh Area, Pargana Barabis,
Kasba Rampur and Ghori Nog of Pargana Rampur
of Rampur Tehsil, Simla Town and its suburbs
(Dhalli, Jatog, Kasumpti, Mashobra, Taradevi and
Tutu).
1200
1500
1600
2100
1200
1500
b) Outer-Saraj (excluding villages of Jakat-Khana and

Burrow in Nirmand Tehsil) and entire District
excluding outer Seraj area and pargana of Pandrabis
but including villages Jagat-Khana and Burrow of
Tehsil Nirmand).
(4) Lahaul and Spiti District :
Entire area of Lahaul and Spiti
(5) Shimla District :
a) 15/20 area of Rampur Tehsil comprising of
Panchayats of Koot, Labana-Sadana, Sarpara and
Chadi-Branda.
(6) Kangra District:

a) Areas of Bara Bhangal and Chhota Bhangal
b) Dharamshala Town of Kangra District and the
following offices located outside the Municipal
limits but included in Dharamshala Town-Womens
ITI, Dari, Mechanical Workshop, Ramnagar, Child
Welfare and Town and Country Planning Offices,
Sakoh, CRSF Office at lower Sakoh, Kangra Milk
Supply Scheme, Dugiar, HRTC Workshop, Sadher,
Zonal Malaria Office, Dari, Forest Corporation
Office, Shamnagar, Tea Factory, Dari, I.P.H. SubDivision, Dan, Settlement Office, Shamnagar,
Hinwa Project, Shamnagar.
Palampur Town of Kangra District including
-47-
Allowances ()
Sr.
No.
Area
Pay below
24,000/-
Pay above
24,000/-
(1)
(2)
(3)
(4)
HPKVV Campus at Palampur and the following

offices located outside its municipal limits but
included in Palampur Town H.P. Krishi
Vishwavidhalaya Campus, Cattle Development
Office/Jersey Farm, Banuri, Sericulture Office/IndoGerman Agriculture Workshop/HPPWD Division,
Bundla, Electrical Sub-Division, Lohna, D.P.O.
Corporation, Bundla, Electrical HESEE Division,
Ghuggar.
(7) Mandi District:
Chhuhar Valley of Jogindernagar Tehsil, Panchayats
in thunag Tehsil-of Bagraa, Chatri, Chhotdhar,
Garagushain, Gatoo, Garyas, Janjehli, Jaryar, Johar,
Kalhani, Kalwan, Kholanal, Loth, Silibagi,
Somachan, Thachdhar, Tachi, Thana, Panchayats of
Dharampur Block- Binga, Kamlah, Saklana, Tanyar
and Tarakholah, Panchayats of Karsog Tehsil
Balidhar, Bagra, Gopalpur, Khajol, Mahog, Mehudi,
Manj, Pekhi, Sainj, Sarahan and Teban, Panchayats of
Sundernagar Tehsil Bohi, Batwara, Dhanyara,
Paura-Kothi, Seri and Shoja.
(8) Sirmaur District:
Panchayats of Bani, Bakhali (Pachhad Tehsil), Bharog
Bheneri (Paonta Tehsil), Birla (Nahan Tehsil), Dibber
(Pachhad Tehsil) and Thana Kasoga (Nahan Tehsil)
and Thansgiri Tract
(9) Solan District :
Mangal Panchayat.
(10)
13.
Remaining areas of Himachal Pradesh not included

in (1) to (9) above.
1500
1200
1500
1200
1500
320
400
2000
2600
2000
2600
Uttar Pradesh:
Areas under Chamoli, Pithoragarh and Uttar Kashi
Districts
14.
1200
Uttarakhand:
Areas under Chamoli, Pithoragarh,Uttarkashi,
Rudraprayag and Champavat Districts
-48-
-49-

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JOINT NOTE

SALARY REVISION FOR OFFICERS

IBA has agreed to make suitable recommendations to the

Government in this regard for its consideration.

Joint Note-25th May 2015

5. The Officers Associations on behalf of the officer-employees in banks listed in Annexures

Joint Note-25th May 2015

Ajit Kumar Ghosh

Joint Note-25th May 2015

Joint Note-25th May 2015

House Rent Allowance (w.e.f. 1.11.2012)

Other places in Area I, and Project Area Centres in Group B

Joint Note-25th May 2015

City Compensatory Allowance (w.e.f. 1.11.2012)

Places in Area 1 and in the State of Goa

Places with population of five lakhs and

Special Allowance (w.e.f. 1.11.2012)

7.75% of Basic Pay + applicable Dearness Allowance thereon

10% of Basic Pay + applicable Dearness Allowance thereon

11% of Basic Pay + applicable Dearness Allowance thereon

Provident Fund (w.e.f. 1.11.2012)

Joint Note-25th May 2015

Pension (including State Bank of India)

Medical Aid (other than State Bank of India)

Hospitalisation Expenses (other than State Bank of India)

Recovery of House/Furniture Rent

Joint Note-25th May 2015

Fixed Personal Pay (w.e.f. 1.11.2012)

Total F.P.P. payable where banks

Professional Qualification Pay (PQP) (w.e.f. 1.11.2012)

Officers shall be eligible for professional qualification pay as under :

An Officer employee acquiring JAIIB/CAIIB (either or both parts) qualifications

Joint Note-25th May 2015

subsequent installments of PQP shall be with reference to the date of release of

Deputation Allowance (w.e.f. 1.6.2015)

Hill and Fuel Allowance (w.e.f. 1.11.2012)

Places with an altitude of 1500 metres 2.5% of Pay subject to a

Places with an altitude of 3000 metres 5% of Pay subject to a

Halting Allowance (w.e.f. 1.6.2015)

Grade / Scales of Officers

Officers in Scale VI & above

Officers in Scale IV & V above

Officers in Scale I/II/III

Joint Note-25th May 2015

Special Area Allowance (w.e.f. 1.11.2012)

At places where special area allowance is payable in terms of Regulation 23(ii) of

Mode of Travel and Expenses on Travel

An officer in Senior Management or Top Executive Grade is entitled to travel by

An officer in Senior Management or Top Executive Grade may travel by car

Joint Note-25th May 2015

The remaining provisions as in Sub-regulations (2) & (3) of Regulation 41 of Officers

Leave Travel Concession (w.e.f. 1.6. 2015)

Alternatively, an officer, by exercising an option anytime during a 4 year

The facility of encashment of

privilege leave while availing of Leave Fare Concession is also available

Joint Note-25th May 2015

Project Area Allowance

Joint Note-25th May 2015

Mid Academic Year Transfer Allowance