Kerala Karunya Health Insurance Yojana With medical advancements, medical expenses in India including infrastructure, facilities, hospitalization, pharmaceuticals, etc. will skyrocket. Many Indians lack basic medical care. The government of India has developed health insurance schemes to help the poor. State governments are playing their role by establishing health care initiatives for the poor. The Kerala Government has introduced the Karunya Health and Insurance Scheme. Today’s essay discusses the government-sponsored Karunya Health Insurance Scheme and its benefits. Also, we review and analyze the eligibility requirements, enrollment, and application forms provided by the scheme.
Kerala Karunya Health Insurance Scheme 2023
| Scheme Name | Kerala Karunya Health Insurance Scheme 2023 |
| Launched By | State Govt. Of Kerala |
| Year | 2023 |
| Eligible State | Kerala |
| Beneficiary | Citizens of Kerala |
| Application Mode | Online |
| Official Website | karunya.kerala.gov.in |
What is Kerala Karunya Health Insurance Scheme 2023?
Karunya Health Insurance Scheme has been created by the State Government of Kerala to provide high-quality medical services to the economically backward sections of society at a nominal monthly subscription. The Critical Illness Policy aims to provide medical care to the economically backward section of the society. Effort is to give profit. Kerala Lottery funds this insurance scheme and pays in time to reimburse network hospitals.
KASP is the Kerala version of the Ayushman Bharat scheme. Karunya Health Insurance Scheme Rs. 5 lakh per household every year to reach the hospital. KASP health insurance policy covers more than 42 lakh poor and vulnerable families.
Under the Health Insurance Scheme, the Government of Kerala provides health insurance of Rs 5 lakh to poor individuals. This scheme is available to Karunya Health Insurance Scheme participants in any government or private hospital in Kerala. The website provides information on complete Health Insurance Scheme procedures including application and claim forms.
On the Kerala Government website www.karunya.kerala.gov.in, interested candidates can find comprehensive information about list declarations, application forms, claim process, and hospitals. Each member of the beneficiary family gets a unique card and at least five members of the family can participate in this program. Only one card is issued per household. This scheme treats all major diseases including cancer, hemophilia, kidney, and heart disease.
Kerala Karunya Health Insurance Scheme Objective
The main aim of the scheme is to provide medical insurance to the low-income citizens of the state who are already struggling with life-threatening conditions. Every family that signs up for this program will get Rs. 5 lakh each every year. This amount represents medical coverage for hospitalization in secondary and tertiary care settings.
Kerala Karunya Health Insurance Scheme Benefits
- Kerala Karunya Health Insurance Scheme works as Critical Illness Insurance. This video helps those suffering from terminal illness to get treatment. Specialty diseases include cancer, hemophilia, palliative care, cardiovascular disease, and nephrology.
- This project will cost Rs.100 crores. 2 lakhs of Rs.
- For serious diseases, this scheme is the route to a maximum treatment facility. 3 lakhs.
- If your medical bills exceed the agreed-upon expenses, you will get your money back.
- 250 crore taken by the government for health insurance.
- Initially, this health scheme was only for treatment in government hospitals, later private institutions were also added.
- Under the scheme, all expenses for the following parts of treatment: examination, hospitalization, pre-hospitalization, treatments, intensive and intensive care, inpatient, accommodation services, complications arising from treatment, and up to 15 days after hospitalization.
- 5,000,000 worth of family property, i.e. which family it belongs to.
Kerala Karunya Health Insurance Scheme Eligibility
- The recipient must be a citizen of Kerala.
- Only applicants below the poverty level are eligible for this program. This insurance program is for all BPL and APL families with annual incomes below Rs. 3 lakhs.
- To join this program, applicants must have their Aadhaar card, income certificate, and other required documents.
Kerala Karunya Health Insurance Scheme Documents
- Voter ID
- BPL Card
- Aadhaar Card
- Mobile number
- Income Certificate
- Passport Size Photo
How to Apply For the Kerala Karunya Health Insurance Scheme?
- Applicants should go to the Official Website of Kerala Government and start the process
- Following this, the candidate should navigate to the below section “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 send it to the appropriate government agency along with other required materials.
Kerala Karunya Health Insurance Scheme Contact Info
| Helpline Number | (0471) 3230-448 / 449 |
| Email ID | karunyabf@gmail.com |
| Official Website | https://sha.kerala.gov.in/ |
Frequently Asked Questions
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What is the Kerala Karunya Health Insurance Scheme 2023?
The Kerala Karunya Health Insurance Scheme is a government-sponsored initiative by the State Government of Kerala. It offers high-quality medical services to economically disadvantaged citizens of Kerala at a nominal monthly subscription. The scheme provides critical illness coverage and is funded by Kerala Lottery.
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Who is eligible for the Kerala Karunya Health Insurance Scheme?
Eligibility is open to citizens of Kerala who fall below the poverty level, including both Below Poverty Line (BPL) and Above Poverty Line (APL) families with annual incomes below Rs. 3 lakhs. Applicants must possess documents such as an Aadhaar card, income certificate, and other required identification.
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What are the benefits of the Kerala Karunya Health Insurance Scheme?
The scheme provides medical insurance coverage of Rs. 5 lakh per household annually for hospitalization in secondary and tertiary care settings. It covers a range of critical illnesses, including cancer, hemophilia, palliative care, cardiovascular disease, and nephrology.
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How can I apply for the Kerala Karunya Health Insurance Scheme?
To apply, visit the official website of the Kerala Government and download the application form from the “How to Apply” section. Fill out the form accurately and submit it, along with the necessary documents, to the relevant government agency.
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What contact information is available for inquiries about the Kerala Karunya Health Insurance Scheme?
Helpline Number: (0471) 3230-448 / 449, Email ID: karunyabf@gmail.com, Official Website: https://sha.kerala.gov.in/
