With medical advancements, India’s treatment costs would climb, including infrastructure, facilities, hospitalization, pharmaceuticals, etc. Many Indians lack basic medical care. The Indian government has developed health insurance programs to help the poor. State governments are playing their role by creating healthcare initiatives for the poor. Kerala’s government introduced Karunya Arogya Suraksha Padhathi. Today’s essay will discuss the government-sponsored Karunya Health Insurance Scheme and its advantages. In addition, we will examine and analyze the eligibility requirements, documentation, and application form stipulated by the plan.
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Karunya Health Insurance Scheme 2022
The Karunya Health Insurance Scheme was created by the Kerala State Government to provide economically disadvantaged segments of society with access to high-quality medical care for a nominal monthly subscription. A critical illness policy whose purpose is to give medical assistance to the financially deprived segment of the community. The effort aimed to provide advantages. The Kerala Lottery funds this insurance scheme, and the money is provided on time to reimburse network hospitals.
KASP is Kerala’s version of the Ayushman Bharat Yojana. The Karunya Health Scheme provides Rs. 5 lakhs per household every year for hospitalization. The KASP health insurance policy would cover more than 42 lakh poor and vulnerable households.
In the Karuna Swasthya Yojana, the Kerala government offers impoverished individuals with health insurance coverage of Rs 5 lakh. This scheme is available to Karunya Swasthya Yojana participants at any government or private hospital in Kerala. The website provides information on the complete Karuna Swasthya Yojana procedure, including application and claim forms.
On the Kerala government website, www.karunya.kerala.gov.in, interested candidates will discover comprehensive information on the declaration, application form, claim procedure, and hospitals on the list. Each member of the beneficiary family will get a distinctive card, and at least five members of the family may participate in this program. A single card has been provided to the household’s head. This plan will treat all major disorders, including cancer, hemophilia, renal, and heart conditions.
Karunya Arogya Suraksha Padhathi Overview
| Scheme name | Karunya Health Insurance Scheme |
| Launch year | 2022 |
| Launch by | Kerala State Government |
| Benefits | Health Insurance plans |
| Beneficiaries | Citizens of Kerala State |
| Website | karunya.kerala.gov.in |
Karunya Health Scheme Objectives
This program’s major objective was to provide medical insurance to low-income citizens of the state who were already battling life-threatening conditions. Every household that signs up for this program would be eligible to receive Rs. 5 lakh each and every year. This sum represents the medical coverage for hospitalization in secondary and tertiary care settings.
Karunya Health Insurance Scheme Benefits
- Kerala’s Karunya Health Scheme acts as a critical illness insurance. This insurance helps individuals with chronic diseases seek treatment. Covered acute diseases include cancer, hemophilia, palliative care, cardiovascular conditions, and nephrology.
- This plan gives up to Rs. 2 lakh for treating the above-mentioned ailments.
- For serious illnesses, this scheme’s maximum treatment benefit is Rs. 3 lakh.
- If your medical bills exceed the projected cost, you’ll be reimbursed.
- The government has spent Rs.250 crore on health insurance.
- Initially, this health program exclusively covered treatment at government hospitals, but eventually private institutions were also included.
- Under the plan, all of the costs for the following parts of the treatment are covered: Exam, treatment, and consultations, Pre-hospitalization, Medicines, Non-intensive care and intensive care, diagnostics, Accommodation services, Problems that come up during treatment, Up to 15 days of follow-up care after a hospital stay.
- The benefits of Rs 5,000,000 are family assets, indicating that may be used by any family member.
Karunya Arogya Suraksha Padhathi Eligibility
The Karunya Health Insurance Scheme eligibility requirements are as follows:
- The recipient must be a citizen of Kerala.
- Only applicants below the poverty level are eligible for this program. This insurance program is available to all BPL and APL households with an annual income below Rs. 3 lakhs.
- To enroll in this program, applicants must possess their Aadhaar card, income certificate, and other needed documentation.
Karunya Health Insurance Scheme Documents
- Identity Proof: Aadhaar Card, Voter ID, etc. are required to verify Kerala residency.
- Original residential proof.
- BPL Card: Since this health insurance system is for the poor, applicants must submit proof.
- Income Certificate: Your eligibility for the health insurance system is based on your yearly income.
- Additional Requirements: A copy of the ration card, a passport-size picture, and an estimate of medical expenses must also be given.
- Mobile number and contact details.
Karunya Health Insurance Scheme Application Procedure
- Applicants are required to begin the process by going to the Government of Kerala official website, which may be found at http://karunya.kerala.gov.in.
- Following this, the candidate should navigate their way to the section under “How to Apply”.
- When you click on the link, the application form will be available for download in PDF format.
- Complete the application form to the best of your ability, and then send it to the appropriate government agency together with the other needed materials.
Karunya Health Scheme Contact Details
Karunya Health Scheme in Kerala Contact Information Helpline Number: (0471) 3230-448 / 449 Email ID: [email protected]