Basic medical facilities are still out of reach for many people in India. To cater quality healthcare benefits to the weaker section of the society, State Governments have launched healthcare schemes. Karunya Arogya Suraksha Padhathi (KASP) is one such healthcare initiative, which was launched by the Kerala Government.

Read on to learn about various aspects of the Karunya Health Insurance Scheme.

What Is Karunya Arogya Suraksha Padhathi?

Karunya Arogya Suraksha Padhathi is a critical illness plan that aims to provide medical aid to the economically weaker section of the population. The UDF took the necessary initiative and launched this scheme back in 2012.

The primary purpose of this scheme was to provide health insurance coverage to poor people suffering from critical illnesses. Every family enrolled under this scheme is entitled to receive Rs.5 lakh annually. This amount is the medical coverage for secondary and tertiary care hospitalization.

Features of Karunya Arogya Suraksha Padhathi

Features of the Karunya health insurance scheme are:

The Kerala State Government has allocated a total sum of Rs. 250 crore for this scheme.
Initially, when the Karunya Arogya Suraksha Padhathi insurance scheme was launched, treatment could only be availed from government hospitals. At present, several private hospitals with better infrastructure have been empanelled to provide a wide range of benefits under this scheme.
The official website of the Karunya health insurance scheme provides detailed information about its important elements, Such as network hospitals, application forms, etc.
You can also find updated information on the official website regarding these:
Claim procedure
Application date
List of beneficiaries from a particular region

Also Read: All You Need To Know About PMJAY: Eligibility, Coverage And Benefits

Facilities Under Karunya Arogya Suraksha Padhathi

The Karunya Insurance Scheme mainly functions as a medical cover for critical illnesses. Therefore, any individual suffering from an acute disease can avail of treatment and other benefits under this scheme. Listed below are some critical illnesses covered by it:

Cancer
Haemophilia
Kidney diseases
Heart diseases
Palliative Care
Brain surgery
Liver surgery
Transplant surgeries
Acute respiratory illness

Other Benefits of Karunya Arogya Suraksha Padhathi

Karunya Health Insurance Scheme provides the following benefits:

The Government offers up to Rs. 2 Lakh for the treatment of ailments mentioned above. If the severity of the disease magnifies, the Government increases the amount up to Rs. 3 Lakh.
In case expenses incurred for receiving treatment for a critical illness exceed the amount estimated initially, beneficiaries will receive a reimbursement.
At least 5 family members of a beneficiary can avail of treatment benefits under Karunya Health Insurance Scheme. Each member will receive a special card.

Eligibility Criteria for Karunya Arogya Suraksha Padhathi

Applicants must fulfil a set of criteria to avail of benefits offered by the Karunya insurance scheme:

One must be a resident of Kerala while enrolling under this scheme.
Any APL or BPL family with an annual income of less than Rs. 3 Lakh is eligible.
An applicant must be able to provide his/her Aadhaar Card and income certificate at the time of enrolment.

How to Register for Karunya Arogya Suraksha Padhathi

All steps for Karunya Arogya Insurance registration have been mentioned below:

To initiate the Karunya Health Scheme application process, visit the online portal of Karunya Kerala.
Click on ‘How to Apply’.
Download a PDF of this scheme’s application form.
Fill in the necessary details. Submit the application form along with all required documents.

Documents Required While Applying

During the Karunya Health Insurance registration process, an applicant has to provide these documents.

Aadhaar card or Voter ID card
Income Certificate
Documents with residential details
BPL Card
A copy of your ration card
Passport-size photo

Also Read: Types Of Health Insurance Schemes Offered By The Government Of India

Final Word

The Karunya Arogya Suraksha Padhathi (KASP) has revolutionized the healthcare scenario for Kerala’s underprivileged population. Once you are familiar with all details regarding this government initiative, you can enrol under it to reap all its benefits. If you want to consider other reputed health insurance providers like Navi, then just download the Navi App from the play store and buy insurance in just a few clicks in a completely paperless way. Navi offers treatment from over 10,000 network hospitals pan India and premiums start as low as INR 241 per month.

FAQs on Karunya Arogya Suraksha Padhathi

Q1. How does one know about the current status of their application?

Ans: You can easily keep a track of your application status from the Karunya Kerala portal. Click on the ‘Application Tracking’ option on the official website and enter the necessary details. After that, you can view the current status of your application on your device’s screen.

Q2. Does the beneficiary receive a Karunya insurance scheme card?

Ans: Yes, the Government of Kerala will issue a separate Insurance plan card in the name of a beneficiary. This card has to be submitted to network hospitals along with other documents to avail cashless treatment.

Q3. Are pre-existing diseases covered under the scheme?

Ans: Yes, pre-existing diseases are covered under this scheme from the first day of enrolment. In other words, beneficiaries suffering from a medical condition long before their enrolment under this scheme will also be eligible for cashless treatment.

Q4. How is the scheme funded?

Ans: The State Lotteries Department (Taxes) manages the Karunya Health Scheme. Funds for this government initiative are raised through the Kerala Lottery. The amount is used to provide settlement for the empanelled hospitals under this scheme.

Q5. Does the beneficiary have to pay any fee to avail of the scheme’s medical benefits?

Ans: Yes, an individual has to pay a nominal premium charge to be a beneficiary of facilities offered by the Karunya Health Scheme. However, the Government of Kerala settles a major portion of the expenses.

Q6. Is there an offline application process for Karunya Health Insurance Scheme?

Ans: Offline application process for the Karunya Health Insurance scheme is not available at the moment. Applicants who wish to avail the benefits of this scheme need to download the application form from the official website of the Government of Kerala.

Q7. Where can I get Karunya Health Insurance Hospital List?

Ans: You can find the hospital list that accepts the Karunya Health Insurance from the Government of Kerala’s Karunya Arogya Suraksha Padhathi (KASP) website. There you will find a detailed list of both empanelled and de- empanelled hospitals.

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