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.
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 the Karunya health insurance scheme are:
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:
Karunya Health Insurance Scheme provides the following benefits:
Applicants must fulfil a set of criteria to avail of benefits offered by the Karunya insurance scheme:
All steps for Karunya Arogya Insurance registration have been mentioned below:
During the Karunya Health Insurance registration process, an applicant has to provide these documents.
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.
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.
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.
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.
Before you go…
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