Three Categories — One Brotherhood
Formed post the FBS–FSS 2.0FBSXls merger of 05 January 2025, each category has its own contribution, benefit, and eligibility. All are governed by the same Managing Committee of IMA AP.
PLATINUM
PREMIUM
PRIMARY
Note: Benefits listed are current maximum estimates as per the prospectus approved by the 182nd SWC – IMA AP (effective 01 Jul 2025). All benefits increase and/or contributions decrease as membership strength grows — per decisions of the IMA hierarchy.
Donation Schedule at Admission
A one-time donation is collected at enrollment as per the category and age of the applicant. Hierarchical waiver is permissible under special circumstances.
| Category | Age up to 35 Years | Age 36 – 45 Years |
|---|---|---|
| PLATINUM (PL) | ₹10,000 | ₹20,000 |
| PREMIUM (PR) | ₹8,000 | ₹16,000 |
| PRIMARY (PY) | ₹2,500 | ₹5,000 |
Membership Drive Concession (till 31 Dec 2025): Donation is offered at 50% concession as part of the incentivized drive. Special concession also available in IMA Life Membership Fee for dual enrollment.
Advance Fraternity Contribution (Ad FC)
The scheme operates in “Advanced Fraternity Contribution” mode (Ad FC). Contributions are collected twice a year during notified windows:
First Half — February to April
Billing window: 1st February to 30th April each year.
Second Half — August to October
Billing window: 1st August to 31st October each year.
After completing 60 consecutive half-yearly bill cycles (~30 years), members transition to Retirement Status — paying only a nominal continuation fee annually. PRIMARY (PY) members: 72 cycles due to prevailing special conditions.
How Contributions Are Calculated
| Category | Ad FC Components | Total |
|---|---|---|
| PL | ₹600×22 + ₹200×22 ₹100×22 + ₹25×22 + Admin |
₹20,350 |
| PR | ₹600×22 + ₹100×22 + Admin ₹500 |
₹15,900 |
| PY | ₹200×22 + ₹25×22 + Admin ₹500 |
₹5,450 |
22 deaths per half-year used as advance estimate. Actual settlement adjusts per actual deaths.
Age Limit & Enrollment Eligibility
Current Window (Until 31 Dec 2025)
Upper age limit for enrollment: 56 years. Final concession window for doctors awaiting the previous limit. Sealed permanently after this date.
From 01 January 2026 — Permanent
Upper age limit: 45 years (completed, as on 31st December of that year). Aligns payment duration with mean average earning age 45–75.
Window Closing Alert: Doctors between 45–56 years must enroll before 31 December 2025. After that date, enrollment above 45 years will not be permitted under any category.
Secure Your Family. Join the FSS 2.0FBSXls Fraternity.
IMA-AP doctors only — enrollments open until 31 December 2025 (up to age 56). Act now before the age limit seals at 45.
Register Now Why Choose FSS 2.0FBSXls?FSS Schemes — Frequently Asked Questions
Answers to the most common questions from our members.