All Serving employees ,newly recruited,part time contingent employees, part time teachers/non teaching staff of aided institution and their family .
Pensioners and their spouses and family pensioners on compulsory basis.
All IAS/IPS officers serving in the State who are covered under the existing KGMOA Rules 1960 on optional basis.
All serving employees of State Government including teaching and non teaching staff of Aided Schools and Colleges,
employees of LSG Institutions and Universities in the State.
All State pensioners including Family/Part time/Exgratia pensioners, pensioners of LSG Institutions and Universities in the State.
Dependants of employees and pensioners.