Karunya Arogya Suraksha Padhathi (KASP) – A Government Of Kerala Health Insurance Scheme

Health Insurance

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

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