Indian Medical Association - Kerala Branch

Scheme

Aims and Objectives

1. The main aim of the scheme is to give financial support to the bereaved family of a member of the scheme in the event of unfortunate death.

2. Charitable activities to help those who are in need of financial assistance for their treatment at the request of local branches of IMA.

Eligibility of Membership

Any member of IMA Kerala State Branch below the age of 55 years is eligible to Join the scheme provided

a) Any member above the age of 50 but below 55 yrs should have a continuous membership of 5 years in IMA on the day of joining the scheme.

b) Any member above the age of 40 but below 50 yrs should have a continuous membership of 2 years in IMA on the date of joining the scheme.

c) For those IMA members who are below the age of 40 continuous membership in IMA is not mandatory.

Life membership

Any life member of IMA KSB who are eligible to join Social Security Scheme can become a life member of the scheme by making a onetime lump sum payment of Rs. 2,00000/- towards the scheme. They need not make any further payment after this.

Admission fees

Admission fees vary from Rs. 1000 to 3000 depending on the age of the member at the time of joining the scheme.

Initial subscription for the ordinary membership

The initial subscription is comprised of admission fees and annual subscription of Rs. 300/-. Out of this 300 Rs.50 shall be paid to support the activities of IMA KSB. The amount to be paid to the scheme at the time of joining the scheme is given below.

The amount has to be paid as DD or Cheque drawn in favour of Social Security Scheme payable at Kozhikode. Those who are making online payment, the counter foil (original) should be sent to the scheme office.

Age group

Admission fee

Annual subscription

Total amount(Rs.)

Below 30 yrs

1000

300

1300

30 to 40 yrs

1500

300

1300

40 to 45 yrs

2000

300

1300

45 to 50 yrs

2500

300

1300

50 to 55 yrs

3000

300

1300

 

How to join the scheme

The filled up application form with the stipulated amount and the document to prove the age can be submitted to the branch secretary or to the honorary secretary of the scheme. The branch secretary, the district representative or the honorary secretary of the scheme can be contacted for application forms.

Branch Secretary’s Duty

At the time of sending new application date of joining IMA should be verified, annual/life membership in IMA should ascertained and years of continuous membership in IMA should be clearly written. For renewal of membership in SSS I/II certificate from branch secretary should be obtained by all members of the scheme irrespective of annual/life membership in IMA. All effort should be taken to do this most member friendly.

Yearly contribution for renewal of ordinary membership.

Every year Rs. 300/- has to be paid as annual subscription for 20 years. Apart from this Rs. 200/- for each death for a maximum of 50 deaths in a year has to be paid for 20 years. The exact amount to be paid each year will be intimated by the scheme secretary individually on 3rd week of January. Last date for payment without fine is February 28th and with a fine of Rs.25/- per month is March 31st.

Honorary members

Those who have completed 20 years of payment will be honorary members of the scheme. They need not make any further payment towards the scheme but will enjoy all the benefits of an ordinary member.

Fraternity benefit

In the event of unfortunate death of a member, the nominee / legal heir will be given an amount equivalent to 150 times the current net membership of the scheme. This amount will increase with the increase in membership of the scheme. The net membership is calculated by deducting the total Number of demises + total number of resignations + total number of deletions + total number of honorary members from the total enrollment number on the previous day of death. The fraternity benefit will be paid to nominee/nominees/legal heirs only if the member has been a member of the scheme for atleast 1 year from the date of joining the scheme.

Nominee

Whenever you join the scheme, you can nominate one or more persons to receive the fraternity benefit. The nominations can be changed at any time in due course if necessary. For this you have to write to the scheme secretary and secretary will send you the proforma for change of nominee.

Disbursement of the fraternity benefit

In the event of death of a member, the honorary secretary of the local branch will inform the matter to the scheme secretary. The scheme secretary will send a claim form to the branch secretary. The completed claim form along with the original policy document has to be submitted to the scheme office. On receiving this, the scheme secretary will send a DD in favour of the nominee/nominees to the branch secretary who in turn will hand over the same to the nominee/nominees. The financial help will be given irrespective of the cause of death of the member.

Termination of the membership

If the annual subscription and fraternity contribution as demanded by the scheme secretary is not paid by 31st May of every year, a registered notice will be send to the member, if the member does not make the payment within 15 days of receipt of this letter, then the membership shall stand terminated forthwith. As per the rules and bye-laws of Social Security Scheme/ SSS-II if any member at any time for any reason ceases to be a member of IMA KSB his membership of the scheme shall cease automatically. Make sure to renew your membership in IMA every year.

Download Application Form1

Download Application Form2


Every member of Social Security Scheme II shall pay Rs.500/- as annual subscription for a period of 25 years. Out of this Rs.150/- will be credited to the family benefit fund and Rs. 100/- shall be paid to support the activities of IMA KSB.

Eligibility for membership

Any Life member of Kerala State Branch of IMA below the age of 60 years on the day of joining are eligible to become a member of scheme II provided.

a) A life member of 55 years and below the age of 60 years has a continuous membership of IMA KSB at least for 5 years on the day of joining the scheme II.

b) A life member of 45 years and below the age of 55 years has a continuous membership of IMA KSB at least for 3 years on the day of joining the scheme II.

c) For a life member below the age of 45 years period of continuous membership in IMA is not mandatory.

Admission fees

Admission fees varies depending on the age at the time of joining the scheme.

Age

Total amount(Rs.)

Below 30 years

3000

30 yrs but below 35 yrs

3500

35 yrs but below 40 yrs

4000

40 yrs but below 45 yrs

5000

45 yrs but below 50 yrs

7000

50 yrs but below 55 yrs

10000

55 yrs and below 60 yrs

15000

 

Annual subscription

Every member of Social Security Scheme II shall pay Rs.500/- as annual subscription for a period of 25 years. Out of this Rs.150/- will be credited to the family benefit fund and Rs. 100/- shall be paid to support the activities of IMA KSB.

Fraternity contribution

Every member of the scheme II shall pay a fraternity contribution of Rs.300/- per death for a continuous period of 25 years.

Honorary member

Those who make payments for 25 years continuously need not make any further payment. They will remain as honorary members of the scheme with all the benefits of an ordinary member.

Member’s disqualification

Every member of the scheme II shall pay the annual membership (Rs. 500/-) and fraternity contribution at the rate of Rs. 300/- per death. The secretary of the scheme will send individual demand notice in the 3rd week of July showing the exact amount to be paid. The last date for payment without fine is 30th September every year, after that there will be a fine of Rs. 100/- per month. If the member does not make the payment within 90 days a registered notice will be send at the members cost. The membership shall stand terminated if the member does not make the payment within 15 day of receipt of the notice.

Fraternity benefit

The bereaved family of the member will receive an amount equivalent to 300 times the current net membership of the scheme.Net membership is calculated by deducting the total number of demises + total number of resignations + total number of deletions + total number of honorary members from the total enrollment number on the previous day of death. The present fraternity benefit is Rs. 14.95 lakhs. The fraternity benefit will be paid to nominee/ nominees/legal heirs only if the member has been a member of the scheme for atleast 1 year from the date of joining the scheme.

How to join the scheme

Application forms can be obtained from the branch secretaries. District representatives or from the honorary secretary of the scheme. Filled up application forms with documents to prove the age and copy of the life membership certificate along with the Cheque or DD for appropriate amount can be handed over to the branch secretary or can be directly send to the scheme secretary. Policy document will be sent to all the members within a month of receipt of the application form and realisation of the Cheque. Payment to Scheme II has to be made as DD / Cheque drawn in favour of Social Security Scheme II payable at Kozhikode.

Download Application Form1


Social Security Scheme III (SSS III) of IMA Kerala State Branch and is established to achieve the objects mentioned in clause 4 (II) of the Memorandum of IMA Kerala State Branch. It becomes a third phase of the SS Scheme of IMA Kerala State Branch with the special stipulations as given below. The scheme shall be operative with effect from December 2010.

Aims & Objectives of the Scheme III

a) To provide financial assistance to the family of a medical practitioner in the event of his death.

b) To provide financial assistance to the member who has become permanently disabled thereby rendering him unfit to practice his profession during his life time (VIII-2)

c) To run educational institutions, nursing homes, old age homes and palliative care clinics solely for philanthropic objectives without any profit motive.

d) To support the activities of IMA Kerala State Branch.

e) To support pension schemes.

Eligibility for Membership

Any life members of the Kerala State Branch of IMA below age of 65 years on the day of joining are eligible to become a member of SSS III (This will come in force from 1-1-2019).
Note : l. Members who have applied for life membership in IMA KSB can join the SSS III with condition that their membership will be confirmed only after submitting proof of IMA life membership.
Note : ll. (i) Membership comes in to effect only when the IMA Kerala State Social Security Scheme III policy document signed by the chairman and the Hony. Secretary of the scheme, is issued to the member. (ii) The members who join the scheme III before 31-12-2011 are designated as ‘FOUNDER MEMBERS’ of the scheme.

Admission fees

Age

Amount( Rs)

Below 30 Years

Rs. 3,000/-

30 Years but below 35

Rs. 4,000/-

35 Years but below 40

Rs. 5,000/-

40 Years but below 45

Rs. 7,000/-

45 Years but below 50

Rs. 10,000/-

50 Years but below 55

Rs. 15,000/-

55 Years but below 60

Rs. 20,000/-

60 Years but below 65

Rs. 25,000/-

Members Contribution

1. Every member of the SSS III shall pay Rs. 1000/- (Rupees One Thousand Only) every year as annual membership fee for a period of 25 years. Out of this amount Rs.800 will be credited to the family benefit fund and Rs.200 shall be paid to support the activities of IMA KSB.

2. Every member of the SSS III shall pay fraternity contribution of Rs.500 (Rupees Five Hundred only) per death of a member on demand by the Hony . Secretary of the scheme every year for a period of 25 years continuously. After 25 years the member need not make any payment to the scheme but remains as a honorary member enjoying all the benefits of a member. For calculating 25 years date of enrollment into the scheme shall be considered.

Member’s Rights

1. On the event of death of a member, the fraternity benefit to the nominee / nominees / legal heirs shall be calculated as 500 times the then net membership. Net membership is calculated by subtracting total Number of demised members + total number of deleted members + total number of retired members + total number of honorary members from the total enrollment number on the previous day of death of the member and shall be returned to his nominee / nominees / legal heirs as the case may be.

2. On the receipt of the information from a responsible member of the family of a member that a member has become permanently physically disabled there by rendering his unfit to practice his profession, and incurring huge financial burden to the family, such a member can avail, financial help from family benefit fund. In that event of availing financial help from family benefit fund, he shall be considered as retired member and his membership shall stand terminated. The dues to the scheme if any, shall be subtracted from the amount he gets from family benefit fund. The decision of the retirement shall be at the discretion of the Managing Committee.

3. The amount to be paid under clause (1) and (2) above shall be paid as DD payable at the place of the nominee / nominees or legal heirs within one month of the receipt of the information of the physical disability or death as the case may be subject to satisfying all conditions prescribed by the Managing Committee and on surrender of the policy document.

4. In the event of loss or non – surrender of the Social Security Scheme III policy document, the Managing Committee will take the final decision on the disposal of claim

5. The scheme” will start payment only when 300 members join the scheme.

6. The admission fee will be refunded to the nominee / nominees/ legal heirs, in case of death of a member before attaining the membership of 300.

7. On the event of the demise of a member, the fraternity benefit will be paid to the nominee / nominees / legal heirs only if the members has been a member of the scheme for at least one year from the date of joining the scheme, if the member was below 50 years on the joined date in the scheme,And the fraternity benefit will be paid to the nominee / nominees / legal heirs only if the member has been a member of the scheme for at least two years from the date of joining the scheme, if the member was 50 years & above on the joined date in the scheme. (This will come in force from 01-01-2019)

8. Admission fees or Renewal amounts paid by the member is not refundable if the member discontinue the scheme membership by him / her IMA life membership is cancelled due to any causes.

9. If a member wish to discontinue his / her scheme membership; the member is liable to pay all the dues or arrears in the scheme till then. Otherwise he / she will not be able to rejoin in this scheme as a new member in future. If a member discontinued or deleted from the scheme; that membership is not able to revive in future even if he / she paid the dues or arrears till then. (This will come in force from 01-01-2019)

10. Only single membership is allowed for all members, the member and his / her nominee can enjoy the facilities of single membership only. The scheme or office bearers are not responsible for multiple memberships of any member in the scheme. Scheme is not liable to reimburse the amount paid by the member of more than one membership.

Download Application Form1


Jurisdiction

Any claim arising within the jurisdiction of Kerala State alone will be entertained by the Scheme.

How to join the Scheme

Membership application forms are available with State Office bearers of IMA and the President/Secretary of IMA Branches. The Application form has to be promoted by the President/Secretary of the IMA Branch and sent to the Hon. Secretary of P P Scheme. The membership in the Scheme will be finalised only after verification of IMA membership and clearance from IMA State Headquarters. A member can join for one or more units of the scheme to get additional benefits in multiples and the membership fee for each unit is as follows.

Membership Fee

First Year

Rs. 2000/- (if no claim)

Second Year

Rs. 1900/-

Third Year

Rs. 1800/- ( ” )

Fourth Year

Rs. 1700/- ( ” )

Fifth Year

Rs. 1600/- ( ” )

Sixth Year and there after

Rs. 1500/- ( ” )

 

Renewal of Membership

Renewal intimation letter is sent from the Office before one month of due date. The renewal form should be forwarded by the branch president / secretary. Copy of the forwarding letter obtained from the branch president/secretary can be used for renewal of all the schemes during the IMA year. One month grace period from the due date is allowed by the Managing Committee. Remember the Joining date, Membership Number and Renewal the Membership in IMA and PPS before the due date.

Benefits

Litigations will be fought up to the Supreme Court of India, to uphold the dignity of Modern Medical Fraternity, subject to the decision of the Managing Committee of the Scheme.

Dropping Out from the Scheme

Members who are not renewing their membership on the due date, a second intimation letter will be sent after 15 days, under certificate of posting, with a copy each to the District Representative of PP Scheme and to the Branch President and Secretary. If the member still does not renew his membership, a registered letter is sent. Even after 15 days from the date of sending the registered letter if the member is not renewing the Membership, the member will be dropped from the Scheme. The dropped member can join the scheme as a new member by remitting the required membership.

WHAT TO DO IN CASE ANY LEGAL ACTION IS INITIATED AGAINST DOCTORS

1. Never panic.

2. To inform the District Representative of PP Scheme immediately, if any professional problem arises.

3. Send the following details to the Secretary within one week of the receipt of notice/plaint/petition/complaint, with a copy to your District Representative:

(a) The Membership No. in P P Scheme and details of IMA Membership.

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

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

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

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

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

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

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

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

 

Download Application Form1


Objectives:

To protect the hospital

Highlights

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

Eligibility

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

Membership Fee
Category Bed Strength Membership Fee/Year
A 0-10 Rs. 5,000/-
B 11-25 Rs. 10,000/-
C 26-50 Rs. 15,000/-
D 51-100 Rs. 25,000/-
E 101-150 Rs. 30,000/-
F 151-200 Rs. 35,000/-
G 201-300 Rs. 40,000/-
H 301-500 Rs. 50,000/-
I Above 500 Rs. 75,000/-

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

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

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Objectives:

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

To provide legal aid to the members of the Scheme.

Eligibility

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

Jurisdiction

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

Membership Fee

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

First Year Rs.3000/-
Second Year Rs. 2900/- (if no claim)
Third Year Rs. 2800/- (if no claim)
Fourth Year Rs. 2700/- (if no claim)
Fifth Year Rs. 2600/- (if no claim)
Sixth Year and thereafter Rs. 2500/- (if no claim)

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

Member’s right

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

Application forms

Available with local branch Presidents and Secretaries.

Unique features of the Scheme
  • Help of IMA friends at the time of need.
  • Litigations fought up to the Supreme Court.
  • Help of Scheme Office bearers at every stage.
  • Vast Data Bank regarding Medico legal cases
  • A reply in one’s own words regarding the allegations contained in the notice or complaint, given paragraph wise.
  • Full contact address including phone numbers, fax no., e-mail, mobile no, etc. should be given without fail.
  • Please do not send any reply by the member or through any advocate without the permission of PP Scheme Secretary otherwise the member will lose the coverage under PP Scheme.

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

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About Us

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

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

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

It helps by:-
  • Providing details of Medical Equipment.
  • Providing details of Medical Equipment Manufacturers, Dealers & Distributors.
  • Ensuring adequate after sales service of the Medical Equipment.
  • ‘Employment Bureau’ is a part and parcel of PEPS, which helps by Providing Proper Placement for Junior Doctors, Retired Doctors, Specialists and Super Specialists.
  • Creating a data base on vacancies of medical professionals in hospitals.
  • Standardization of Salary.
  • PEPS is supervising the supply of Bio-medical waste collection bags & Needle burners according to the quality parameters specified by the Pollution Control Board. PEPS will be assuring the quality of these products before supply to the hospitals / clinics. The hospital waste should be collected in these quality assured bags having the PEPS logo. Only then IMAGE will undertake its disposal.
  • PEPS brings out a quarterly newsletter “PEPS VOICE” dealing with particular equipment in each issue.
Liability and Limitations:

The liability of the scheme is limited to

  • The transfer of information regarding various equipment with regard to the request in question which is based on the data available data available on record at the time and to support its members in cases of disputes of quality, working condition, after sales service etc.
  • The transfer of information regarding the availability of medical professionals of modern medicine for job placement and also the vacancies available in various health care institutions based on the data available on record at the time.
PEPS is not an Insurance Scheme

Doctors and hospitals are intimately related in various aspects. If we share our grievances and unite together to fight against the unhealthy practices of the Medical equipment companies, we can make this scheme fly high. So also we can develop a congenial atmosphere for better rapport between health care institutions & medical professionals with the common aim of better patient care.

Eligibility for Membership / Registration a) PEPS Membership

Only Life Members of IMA Kerala State can join this scheme.

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

b) Beneficiary (Equipment & Employment)

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

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

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

c) Employment Bureau (PEPS – EB)

Any registered modern medicine doctor can register in Employment Bureau.

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

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

Membership / Registration Fee Structure*

(Subject to change, as per the decisions of Managing Committee of the Scheme from time to time)

  • PEPS Membership - Rs. 1,000/-
  • Beneficiaries of the Scheme - Rs. 2,500/- *(50% concession for registering hospitals/institutions owned by PEPS Members)
  • Employment Bureau: Graduates / Junior Doctors - Rs. 500/-; Post Graduate Specialists - Rs. 1,000/-; Super Specialists - Rs. 2,000/-. *(50% concession for PEPS Members)
Service Charges:

(Subject to change, as per the decisions of Managing Committee of the Scheme from time to time)

a) For Purchase of Equipment through PEPS

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

b) From Institutions on Job Placement of Medical Professionals

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

c) From Doctors on Job Placement

An amount equal to 2.5 % of 1st Month Salary will be collected from the particular Doctor for job placement through ‘PEPS’.

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IMA INITIATIVE OF BIOMEDICAL WASTE MANAGEMENT IN KERALA “IMAGE”

The entire Bio-medical Waste generated in the State of Kerala is managed by IMAGE (IMA Goes Eco-friendly) initiative of IMA Kerala State Branch. The biomedical waste segregated at source is collected, transported and scientifically treated by IMAGE as per the Rules and Regulations stipulated by the Bio-medical Waste Management Rules 2016 [Amended in 2018].

IMAGE[Indian Medical Association Goes Eco-friendly]:

IMAGE Project was launched on 21st October 2001 by the Indian Medical Association, Kerala State Branch and the IMAGE Plant, the Common Biomedical Waste Treatment and Disposal Facility (CBWTF) established at Kanjikode, Palakkad, was commissioned on the 14th December 2003for the scientific management of biomedical waste generated from health care facilities in Kerala. IMAGE was conceived and launched to support the healthcare providers to overcome the challenges of disposal of hospital waste in accordance with the provision of the Biomedical Waste (Management and Handling) Rules 1998 with the approval of Kerala State Pollution Control Board.

IMAGE Management:

Under the auspices of IMA Kerala State, IMAGE is managed by a Management Committee consisting of Chairman, Secretary, Treasurer, Vice Chairman, Joint Secretaries and District Representatives. Apart from this there is a Purchase Committee, Vigilance Committee & Committee for upcoming Projects These Office-bearers are elected/nominated from among the IMA Members who regulate and manage all the activities through IMAGE Administrative Office functioning at IMA Head Quarters, Thiruvananthapuram.

IMAGE PLANT, PALAKKAD

IMAGE PLANT is situated in the midst of 23 acres of land at Manthuruthy, Kanjikode, Palakkad. There are 5 main Buildings & few small buildings for the plant with a total plinth area more than 60,000 sq.ft. IMAGE is now the largest Biomedical Waste Treatment Plant in India which has the capacity to treat more than 40 tons of Bio-medical waste per day.

The plant machinery includes 5 huge Incinerators(equipped with Online Continuous Stack Emission Monitoring System (O-CEMS), 5 Autoclaves, 4 Shredders, 150 meters long scrap sorting Conveyor belt system, 3 scrap grinders with washing equipment, 2 Hydraulic bundling machines, 2Bottle sorting machines, and two 125 KVA Generators and one 380 KVA Generator. There is a vehicle wash area of 2000 sq. ft. and a modern Effluent Treatment Plant with capacity to handle 4.5 lakhs liters per day for disinfecting all the effluents coming out during treatment of the waste. There are 64 Surveillance Cameras recording the activities within the plant, which is available for monitoring the plant activities, 24 hours a day. IMAGE has multiple rain water harvest systems including Micro-Watershed Based Rain Harvesting. There is a huge Green-belt surrounding the plant.

IMAGE is operated by about 500 staff working together for IMAGE, GJ Multiclav, Scrap dealers & Security agency.

Segregation of Bio-medical Waste at the source:

Colour coded bags and containers are provided to HCIs through IMA PEPS authorised dealers for segregation and collection of waste at source. Special training is imparted to hospital staff regarding segregation, collection& transportation to the common storage area within the HCI.

Transportation of Biomedical Waste:

Fifty-Three (53 Nos) GPS installed covered vehicles are arranged for collection of biomedical waste within 24 hours from the entire length& breadth of Kerala, which are specially designed as per the Biomedical Waste Management Rules and approved by the Pollution Control Board, which ply a total distance of 12,000 km per day. Each vehicle-crew includes a driver, a sanitary worker and a supervisor. Each vehicle collects segregated biomedical waste daily and are taken to the district transfer stations, from there directly to the plant at Palakkad taking all safety measures. All these vehicles are monitored through GPS Satellite Monitoring using AVL View Software Application. The movements of waste collection vehicles are monitored through GPS system and the waste collection is monitored through the mobile application system. Barcode based biomedical waste management has been implemented by IMAGE to monitor each waste bag from the collection source till the scientific treatment at the plant.

Biomedical waste treatment details:

On an average, about 40 Tonnes of Biomedical waste reaches the IMAGE plant daily, of which 20 Tonnes are Incinerable waste (collected in Yellow bags), 14 Tonnes are Autoclavable waste (collected in Red bags), 5 Tonnes are Glass-wares & Metals (collected in Blue Boxes) and 1 ton is Sharps (collected in white puncture proof containers). This 40 tons of biomedical waste is collected from all 12,900+ healthcare centres across the state of Kerala within 24 hours of its generation.

Affiliation Details as on 30.09.2018: The affiliated institutions are ensured the following services by IMAGE:

  • Training to concerned staff of the institution for scientific segregation, collection, safe handling& transportation of the biomedical waste.
  • Facilitation for procurement of appropriate Bar-coded & Colour-coded bags and containers for collection of segregated biomedical waste.
  • Collection of segregated biomedical waste from the institutions from the designated storage area.
  • Transportation of the collected waste in closed vehicles authorised by the Pollution Control Board.
  • Treatment and Disposal of the biomedical waste in scientific manner at the IMAGE plant, strictly adhering to the Biomedical Waste Management Rules 2016 [Amended 2018].
  • Maintain Records on the quantity of biomedical waste collected, transported, treated and disposed.
  • Provide necessary information to the health care institutions and the Pollution Control Board as and when necessary on Bio-medical waste generated, collected and disposed off from the affiliated institutions.
  • Create awareness among the public about the need for proper biomedical waste management & treatment

How to Join IMAGE?

IMAGE Affiliation can only be done Online through IMAGE website: www.imageima.org

  • All Affiliation requests to IMAGE for Biomedical waste management is accepted only through Online Application
  • Affiliation Fee can be calculated by using the Affiliation Fee Calculator in the IMAGE website and take a Demand Draft favoring IMAGE, IMA Payable at Thiruvananthapuram. The Monthly Operational Charges will be displayed while applying online, on entering the facilities within the HCI.
  • The D.D along with print form of duly signed “filled-up Online-application Form” [Authorized Signatory with Official Seal] and duly signed “Terms & Conditions” should be sent by Post/Courier or handed over in person to: The Manager (Administration), IMAGE Administrative Office, IMA State Head Quarters, Anayara Post, Thiruvananthapuram - 695 029.

On Affiliation with IMAGE -CBWTF for the Biomedical waste management; the Healthcare Institution should simultaneously Register with the Kerala State Pollution Control Board& concerned LSGD. IMAGE will facilitate this process by furnishing the “IMAGE Affiliation Certificate” to the affiliated Health Care Institutions.

Payment Options to IMAGE:

  • By DD favouring IMAGE, IMA payable at Thiruvananthapuram
  • By Depositing through South Indian Bank to our Bank Account No.0236073000050584 [IFSCSIBL0000236]
  • Through the Payment Gateway of South Indian Bank inside IMAGE website: www.imageima.orgby the Customer Login Portal using the supplied Username & Password.

Other Services offered by IMAGE Kaumarasree Project:

“Kaumarasree” is an extension of Biomedical Waste Management activity of IMAGE for the scientific disposal of used sanitary napkins from the Girls’ Schools across the State.

Service offered to Pharmaceutical Companies:

Scientific disposal of Discarded Medicines and provision of statutory Destruction Certificates are the services offered by IMAGE to the registered Pharmaceutical Firms.

Future Concepts Need for additional Facility

The IMAGE Plant at Palakkad was established as a health industry wide response to a crisis in the handling of biomedical waste management and has taken the burden of handling a large capacity of average 40 tonnes of biomedical waste per day. However, due to the immense pressure felt on the facility at Palakkad, owing to the humungous volume of bio medical waste being brought into the facility on daily basis, the current situation of single CBWTF is not ideal for the state especially with its unique geographical layout, road congestions and high density of health care beds. Also, a risk mitigation strategy for a scenario of shutting down of the current plant in Palakkad due to unforeseen circumstances like a natural calamity which would lead to pile up on biomedical waste across the state due to lack of an alternate facility. Thus, IMAGE itself has advocated the concept of creating a more decentralized approach with division of the state into zones for logistical purposes and more efficiency in handling of biomedical waste.

BMW Collection from Residential Complexes & Apartments:

Bio Medical Waste emanating from the apartment complexes in the cities in Kerala is assuming humongous proportions [mainly sanitary napkins of the Elderly and the Bed-ridden] IMAGE is planning to be the first and only project in INDIA to scientifically collect, treat and dispose these domestic BMW, in future.

Diploma Course in BMW Management

IMAGE is planning to set up one research centre to facilitate training on Biomedical waste management solutions & also for training health care workers across the Kerala on safe handling & proper segregation of Biomedical waste. We have also initiated discussion with KUHAS, Calicut University, Annamalai University on starting a diploma / degree Course related to Biomedical Waste Management.

Download Application Form 1

Download Application Form 2

Download Application Form 3


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

The Aims are:

  • To provide financial support to the members
  • To provide the habit of thrift amongst the members
  • To encourage financial planning amongst the members
  • To support the activities of IMA Kerala State Branch.

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

Project Total amount Beneficiary Installment Monthly Payable
A Rs.100000 Rs.80000-100000 Rs.5000
B Rs.200000 Rs.160000-200000 Rs.10000
C Rs.500000 Rs.400000-500000 Rs.25000

Member need to pay only 19 installments:

MODIFIED SCHEME SCHEDULES AND PAYMENT DETAILS
Sl.No. Scheme A (Rs.5000/- P.M) Scheme B (Rs.10000/- P.M) Scheme C (Rs.25000/- P.M) Rs.500000 for IMA
1 Rs.100000 Rs.200000 Rs.500000 for IMA
2 Rs.80000 Rs.160000 Rs.400000
3 Rs.81000 Rs.162000 Rs.405000
4 Rs.82000 Rs.164000 Rs.410000
5 Rs.83000 Rs.166000 Rs.415000
6 Rs.84000 Rs.168000 Rs.420000
7 Rs.85000 Rs.170000 Rs.425000
8 Rs.86000 Rs.172000 Rs.430000
9 Rs.87000 Rs.174000 Rs.435000
10 Rs.88000 Rs.176000 Rs.440000
11 Rs.89000 Rs.178000 Rs.445000
12 Rs.90000 Rs.180000 Rs.450000
13 Rs.91000 Rs.182000 Rs.455000
14 Rs.92000 Rs.184000 Rs.460000
15 Rs.93000 Rs.186000 Rs.465000
16 Rs.94000 Rs.188000 Rs.470000
17 Rs.95000 Rs.190000 Rs.475000
18 Rs.96000 Rs.192000 Rs.480000
19 Rs.97000 Rs.194000 Rs.485000
20 Rs.98500 Rs.197000 RS.492500
21 Rs.100000 Rs.200000 RS.500000

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


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

Aims and Objects of the Schemed

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

  • Coronary Heart Disease : Angioplasty, by-pass surgery & valvular heart diseases surgery.
  • Kidney failure : Hemodialysis, Renal Transplant
  • All malignant Diseases.
  • Management of brain Tumors
  • Joint Replacement: Surgery for knee and hip joints and major surgeries.
  • Spinal Stenosis and disc surgery
  • Cerebrovascular accidents.
  • Road Traffic accident and other accidents.
  • Other major illnesses requiring Hospitalisation approved by the scrutinizing committee.
Beneficiaries

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

Eligibility of the Members
  • Up to 30th November 2006 (First six months) any member of IMA of any age is eligible to become a member of scheme. He/she is considered as Founder Member.
  • After 30.11.2006 any member of IMA up to the age of 80 years at the time of joining is eligible to become member of the scheme.
  • The age will be calculated on the date of receipt of draft/cheque subject to its encashment.
Admission Fees :

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

For Member :
Below age of 35 years Rs.750.00
Below age of 45 years Rs.1250.00
Below age of 55,But above 45 years Rs.1750.00
Below 60 years but above 55 years Rs.5000.00
Below 65 years but above 60 years Rs.6000.00
Below 70 years but above 65 years Rs.7000.00
Below 75 years but above 70 years Rs.8000.00
Below 80 years but above 75 years Rs.10000.00
Advance Financial Assistance Contribution (AFAC)

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

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

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

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

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

Annual Member Subscription

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

Benefits of the Scheme

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

  • The Membership No. in P P Scheme and details of IMA Membership.
  • Coronary Heart Disease: By-pass surgery and angioplasty required for the treatment of coronary heart disease and valvular heart disease surgery will be covered under the scheme. Upper limit will be Rs. 2 Lakhs.
  • Kidney Failure: Regular haemodialysis or renal transplant required in the management of chronic irreversible failure of both the kidneys will be covered under the scheme. Upper limit will be Rs.2 Lakhs.
  • Cancer: Surgical, Radiotherapy and Chemotherapy required for the treatment of all cancers will be covered under the scheme. Upper limit will be Rs. 2 Lakhs.
  • Management of Brain Tumors: Surgical, Radiotherapy and Chemotherapy required for the treatment of brain tumors will be covered under the scheme. Upper limit will be Rs.2 Lakhs.
  • Major Surgeries: Surgery for knee and hip joints. Spinal Stenosis and disc surgery, or other major surgeries will be covered by the scheme with an upper limit of Rs. 100000/-

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

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

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

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

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

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

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

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

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

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

Download Application Form 1

Download Application Form 2

Download Application Form 3


Salient Features

  • Any life member can join the Scheme, even after the age of 60 yrs.
  • Pension will be given to the members of the Scheme preferably after 60 years/ at the time when they opt for pension.
  • Annual Subscription Rs:12,000/- or any higher amount decided by the member.
  • A member can put any amount as contribution any time in a year.
  • A lock in period of 1 year will be there to avail pension in case of a member who joins the scheme at the age of 60 or later.
  • The pension amount depends upon capital amount and interest rate in force.
  • The capital amount will be given to the nominee after the death of member of the Pension Scheme.

Admission Fees :

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

Download Application Form1


Nammude Arogyam Magazine is being published regularly by IMAKSB. This magazine helps in narrowing the gap between general population and the doctor community. It helps in educating the people regarding their health problem. Al l PP scheme members are regularly getting the magazine. Other members and the public can subscribe to the magazine. Al l IMA members can send articles. All members should be encouraged to mobilise more advertisement for the magazine in order to attain more financial stability


IMA News is the official organ of IMA Kerala State Branch carrying reports of various activities at all levels. This reaches to all the members of IMA inside the State and to all the Branch Officials outside the State and National Headquarters. Reports of branch activities to be highlighted in the IMA News should reach the Editor on or before 5th of every month. Branch officials and members can send in interesting news items on health and related matters for publication . Classified advertisements of members will be published at nominal rates. Branch officials can try to obtain advertisements, the details of which can be discussed with the Editor.


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Aim is to safeguard the ethical standards in the Medical Profession. The State President nominates the Chairman and Convener of the Committee. 10 senior reputed doctors in the State are nominated as the Committee members. The ethics committee receives complaints and grievances from the public and also from doctors against hospitals and Doctors. The committee will take decisions on the complaints in the sittings of the committees in which the complainants are examined in detail and accused summoned for personal hearing.


Aim is to safeguard the ethical standards in the Medical Profession. The State President nominates the Chairman and Convener of the Committee. 10 senior reputed doctors in the State are nominated as the Committee members. The ethics committee receives complaints and grievances from the public and also from doctors against hospitals and Doctors. The committee will take decisions on the complaints in the sittings of the committees in which the complainants are examined in detail and accused summoned for personal hearing.


HIV/AIDS epidemic is a rapidly evolving subject. Facts and figures pertaining to disease burden and coverage of programs keep varying every month. So, IMA updates the information on HIV/AIDS through training programs, workshops and CME programs for doctors and integrates programs across Kerala for prevention, treatment and care and support for people living with HIV/AIDS as a social commitment


IMA News is the official organ of IMA Kerala State Branch carrying reports of various activities at all levels. This reaches to all the members of IMA inside the State and to all the Branch Officials outside the State and National Headquarters. Reports of branch activities to be highlighted in the IMA News should reach the Editor on or before 5th of every month. Branch officials and members can send in interesting news items on health and related matters for publication. Classified advertisements of members will be published at nominal rates. Branch officials can try to obtain advertisements, the details of which can be discussed with the editor


IMA Women's wing started in 1999. It is a National level organization of lady doctors, but in Kerala we include non-medical wives also as honorary members. Apart from dealing with the problem of lady doctors and women in general, IMA Women wing is entrusted with the social service activities of IMA KSB. There are Forty Seven Branches of IMA Women's Wing in Kerala.

Membership:

  • General: The Women members of the IMA shall become members of the wing on payment of prescribed life membership fee of Rs.150/- and admission fee of Rs.30/-
  • Honorary Members: Non-doctor wives of IMA Members shall become honorary members of the wing on payment of Life membership fee of Rs.150/- and admission fee of Rs. 30/-
  • Ex-Officio Members: The State President shall be the President, State Secretary shall be Ex-officio member of the state wing of WIMA. The Branch President shall be the President and Branch Secretary shall be Ex-officio member of the wing at the Branch level.


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To achieve the political objective of maintaining the benign influence of the medical profession on the healthcare industry, IMA steps in with the initiative of Hospital Board of India. IMA will strive to improve quality of services and ensure better patient safety.

Aims and Objectives

  • To assist and equip all healthcare institutions to provide quality healthcare to people by facilitating accreditation.
  • To facilitate all healthcare institutions to play their effective role in public health.
  • To represent and safeguard the interest of all health care institutions and their personnel irrespective of their affiliation.

Jurisdiction:

Affiliation:

All health care institutions with inpatient care can avail affiliation.

  • Health care institutions should offer modern medicine services.
  • Health care institutions should be sponsored by a life member of IMA who should represent the particular institution either in administrative or professional capacity.
  • Affiliation accrues by forwarding a formal application form with an affiliation fee as determined by the board of directors from time to time.

Affiliation Fee:

Direct

  • Hospitals with less than 20 Beds: Rs.1500/3 years and Entry Fee of Rs. 500/-
  • Hospitals with 20 to 50 Beds: Rs.3000/3 years and Entry Fee of Rs.1000/-
  • Hospitals with 50 to 100 Beds: Rs.6000/3 years and Entry Fee of Rs.2000/-
  • Hospitals with 100 Beds and above: Rs.9000/3 years and Entry Fee of Rs.3000/-
  • Hospitals with300 beds and above 15000/3years and entry fee of Rs 5000/-

State Chapters Wherever state chapters of HBI are in existence, hospitals and other health care institutions have to affiliate only through the state chapters. The affiliation fee would be at Rs 500 per institution for a term of 5 years. The state chapter should pay this affiliation fee on behalf of its affiliated institutions to HBI. This can also be paid at Rs 100 per institution every year by the state chapter. The state chapters will be free to fix their own affiliation fee to be collected from their healthcare institutions


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IMA Kerala Doctors' Club is a wing of the IMA Kerala State Branch. This is a State-level Club of IMA KSB for its members and it is only for IMA members. The main activities include indoor games, cultural activities, health club, gymnasium, playschool, children's park, 24-hour restaurant, taxi services, library, internet club, monthly concert and similar activities suggested by members. The membership in Doctors' Club will be given only to IMA members (life or annual) and the membership will be automatically forfeited when the doctor ceases to be an IMA member. There are three types of membership, namely, life, annual and temporary. The temporary membership is of two types, namely, Spot membership and Guest Membership- Temporary membership is for doctors who stay temporarily at the headquarters building to give them a chance to involve in club activities during their stay. The fee for temporary membership is Rs.25 per stay for single individual and Rs.40 for a family. Temporary membership is only for club services. No fee will be charged for availing canteen facility. The Guest Membership fee is Rs.30 per stay for doctors who are not IMA members and Rs.50 for a family.


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The prestigious Project of IMA KSB, the Training Institute which is known as IMA Institute of Medical Sciences (IMA IMS) .The aim of IMA IMS is to have an Institute at the State Headquarters to train Doctors, Paramedical staff and other categories of Hospital Staff on Doctor-Patient relationship. Communication Skills, Leadership training, Time management and also improving professional skills. The Institute is also planned for training of children of IMA members in personality development, public speaking, leadership and also entrance coaching.


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