Karunya Arogya Suraksha Padhathi (KASP), the health care program of Kerala, is similar to the federal Ayushman Bharat Yojana. The Karunya Health Scheme aims to give a health cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization. In this article you get every necessary information regarding this scheme such as benefits, objective, eligibility criteria, required documents and apply online.
Karunya Arogya Suraksha Padhathi 2024
The Kerala State Government launched the Karunya Health Insurance Scheme to give economically disadvantaged groups in society access to high-quality healthcare for a monthly fee. A critical illness policy designed to provide medical aid to the community’s impoverished population. The attempt sought to provide benefits. This insurance program is funded by the Kerala Lottery and network hospitals get timely reimbursements.
Giving health insurance coverage to underprivileged individuals with serious diseases was the main goal of this scheme. A yearly payment of Rs. 5 lakh is due to each family that enrolls in the scheme. This sum represents the hospitalization benefit for secondary and tertiary care.
Overview Of Karunya Arogya Suraksha Padhathi 2024
| Name of the Scheme | Karunya Arogya Suraksha Padhathi 2024 |
| Launched By | State Government of Kerala |
| Beneficiaries | Citizens |
| Objective | Provide health insurance for secondary and tertiary care hospitalization up to Rs. 5 lakh per family |
| Official Website | karunya.kerala.gov.in |
Objective Of Karunya Arogya Suraksha Padhathi 2024
The main objective of the scheme was to provide health insurance to underprivileged individuals suffering from severe diseases. Every family that signs up for this program is qualified to earn Rs. 5 lakh annually. This sum covers hospital stays in secondary and tertiary care for medical coverage.
Benefits Of Karunya Arogya Suraksha Padhathi 2024
- The yearly benefit coverage under India’s numerous government-funded health insurance plans has always been set at Rs. 30,000 to Rs. 3,000,000 per family across many states, resulting in a fragmented system.
- KASP provides financial benefits to eligible families for the designated secondary and tertiary care issues, up to Rs. 5,00,000 annually.
- The insurance provided by the plan covers the following treatment-related expenses.
- Medical examination and treatment
- Medicine and medical consumables
- Pre-hospitalization
- Accommodation benefits
- Non-intensive and intensive care services
- Diagnostic and laboratory investigations
- Post-hospitalization follow-up care for up to 15 days
- Medical implantation services (where necessary)
- Complications arising during treatment
Eligibility Criteria Of Karunya Arogya Suraksha Padhathi
- The applicant must live in Kerala.
- Eligible families include those in APL or BPL with yearly incomes under Rs. 3 lakh.
- An applicant must be able to provide both an Aadhaar card and an income certificate at the time of enrolling.
Required Documents
- Passport Size Photograph
- Aadhaar Card
- Voter ID Card
- BPL Card
- Address Proof
- Ration Card
- Mobile Number
List Of Critical Illnesses Covered By KASP
- Heart diseases
- Liver surgery
- Acute respiratory illness
- Cancer
- Haemophilia
- Kidney diseases
- Palliative Care
- Brain surgery
- Transplant surgeries
Registration Process Of Karunya Arogya Suraksha Padhathi 2024
- First you have to visit the Official Website of the scheme.
- The homepage will appear on your screen.
- Click on the Apply button.
- The application form PDF will appear on your screen.
- Now download the PDF file and then take out its printout.
- Fill all the necessary details in the form.
- You have to attach all the necessary documents.
- Now submit the form to the concerned department.
FAQ’s
What kind of medical procedures are covered by the Karunya Health Insurance Scheme?
Approximately 1,573 medical procedures are covered by the plan, including surgeries, ICU stays, diagnostic tests, prescription drugs and a range of non-intensive and intensive care services.
Is a Karunya insurance plan card given to the beneficiary?
Yes, a separate insurance plan card in the beneficiary’s name would be issued by the Kerala government. To receive cashless treatment, network hospitals require the submission of this card in addition to certain additional documentation.
What is the official website of this scheme?
http://www.karunya.kerala.gov.in/