🧠 What Is PRMS and Why It Is Required for Retired Staff
PRMS or Pensioners’ Retired Medical Scheme is an employee welfare program for exclusive retired staff of government and PSU departments. It is a program that offers medical services to retired individuals and their family members on retirement.
If you are a retired government employee or PSU staff, taking benefit under PRMS provides the promise of decent treatment without the burden of hospital charges.
🌟Prime Features and Advantage of PRMS
🌟 Key Features and Benefits of PRMS
| Feature | Details |
| Cashless Treatment | Access to empanelled hospitals for various procedures |
| Reimbursement Facility | For treatments taken outside the listed network |
| Coverage for Dependents | Spouse and eligible family members included |
| Annual Renewal | Required to keep benefits active |
| Hospital Network | Includes private hospitals, labs, and diagnostic centres |
The scheme is intended for the health protection of the people who served the nation and their relatives even after their active service.
You can follow below steps to apply for PRMS online
You being a soon-retiring employee or a retiring one in near future, need to follow the below steps in order to become a part of the PRMS:
Step 1: Official PRMS Portal Visit
Each PSU or government ministry has a different PRMS portal or link. For instance, BSNL retired staff can go to https://prms.bsnl.co.in.
Step 2: Profile Registration
Register using Employee ID, PPO number, and retirement date.
Step 3: Application Form Filling
Fill in correct details such as address, relative details, and hospital preference (if any).
Step 4: Document Upload
Documents which are to be uploaded may be:
ID proof (Aadhaar, PAN)
Order of retirement
Last payslip
Banking details
Dependent certificate
Step 5: Submit and Wait for Approval
Upon submission, the application is processed and approved within 15–30 working days. Activation SMS/email will be sent to you.
🛠️Where Can You Use PRMS?
- Use Case Examples
- General Treatment outpatient or inpatient treatment in empanelled hospitals
- Emergency cashless treatment at emergency wards
- Diagnostic Tests CT scan, MRI, and pathology labs as per policy
- Post-Hospitalization 30 days post-discharge charges (medicine, consultation, etc.)
❓ Most Popular PRMS FAQs
Question Answer
Can I alter my PRMS application once it has been submitted? Yes, but only prior to final submission. Any alteration after submission will require admin approval.
My PRMS is inactive. What can I do? You might need to activate through the portal with original documents.
Do we have a PRMS helpline to answer? Yes, all PSUs have their own PRMS helpdesk phone number and email assistance.
Is PRMS available anywhere other than in India? No, only for healthcare organizations in India.
✅ Conclusion
PRMS is not just a health scheme — it’s an ongoing assurance of the health and well-being of India’s retired working class years after retirement. Easy registration process and complete cover for yourself and your family members, PRMS provides peace of mind years later.
If eligible, don’t delay. Apply now and secure your healthcare tomorrow.
