What Is Karunya Health Scheme? How To Apply?
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8 December 2021
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8 December 2021Many underprivileged sections of India still cannot afford basic medical facilities. To cater to the below the poverty line population with quality healthcare benefits, state governments have launched some healthcare schemes. The Karunya insurance Scheme is one such healthcare initiative, which was launched by the Kerala Government.
Read on to learn about various aspects of this scheme.
Table of contents
What Is Karunya Health Insurance Scheme?
This scheme 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 The Scheme
Features of the Karunya insurance scheme are as follows –
- The Kerala State Government has allocated a total sum of Rs. 250 crore for this scheme.
- Initially, when this 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 The Scheme
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
- Hemophilia
- Kidney diseases
- Heart diseases
- Palliative Care
- Brain surgery
- Liver surgery
- Transplant surgeries
- Acute respiratory illness
In Addition To This, Karunya Health Insurance Scheme Provides These 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 this scheme. Each member will receive a special card.
Eligibility Criteria
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.
Steps To Register For The Scheme
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 insurance scheme 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.
Frequently Asked Questions
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.
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.
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.
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.
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.
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