Everyone should have access to quality, affordable healthcare. Yeshasvini Health Insurance Scheme is a Karnataka State Government initiative that primarily focuses on rural healthcare. Launched on June 1, 2003, under former Chief Minister S.M. Krishna, it aims to provide affordable medical insurance coverage to individuals belonging to the low and middle-income segment of Karnataka’s informal sector.
Read on to know the facilities, treatments covered, exclusions, eligibility, list of districts the Yeshasvini Health Insurance Scheme is applicable, how to get a Yeshasvini card and claim insurance.
This scheme extends to 30 districts in Karnataka. Mentioned below are the benefits of yashaswini card:
The beneficiary of the rural health scheme has to pay a fee of Rs. 300 annually. Whereas every beneficiary of the urban health scheme has to pay a fee of Rs. 710 annually.
The State Government of Karnataka pays a subsidy of up to Rs. 600 for individuals belonging to Scheduled Caste and Scheduled Tribes.
It begins in July and extends to October every year.
Members who have enrolled within the period mentioned above are eligible to avail the scheme’s benefits fromJune 1 to May 31 of the following year.
The benefits mentioned in the Yeshasvini scheme can be availed from any network hospital listed by the State Government.
The cost of over 800 treatments and ailments are covered under this scheme. Here are some of them:
The following treatments are excluded from the Yeshasvini Health Insurance Scheme:
Any Indian citizen can avail of the benefits under the Yeshasvini Health Insurance Scheme. However, they must meet the criteria listed below:
The upper age limit for applying for this scheme is 75 years. It means individuals below this age are eligible to apply.
An applicant must become a member of a cooperative society at least 6 months before the commencement of the Yeshasvini scheme. Here are certain groups/cooperative societies whose members are eligible for enrolment.
Family members of the beneficiary can avail the policy benefits under this scheme. They need not be a member of a cooperative society.
There are 730 network hospitals in Karnataka which have a tie-up with the Yeshasvini Health Insurance Scheme. The table below provides a list of districts with the respective number of network hospitals:
|Number of Network Hospitals
If a beneficiary needs to avail of the benefits under this scheme, he/she first needs to approach any of the hospitals under the network. The coordinator reviews the application and approves the preliminary diagnosis after payment of enrolment fees. If any further surgery or treatment is required which comes under the available list of treatments, pre-authorisation requests are sent to MSP.
The hospital sends the bill to the MSP for settlement of fees along with the other necessary documents. The hospitals receive the payment from the trust within 45 days.
You can apply for Yeshasvini Card Online through sahakara sindhu by following these steps:
Yeshasvini is the first cooperative health care scheme, launched by the Government of Karnataka. It has been launched to improve the health care of farmers in the cooperative society. The farmers can avail the benefits by using the Yeshasvini Card which one can apply for on the government website.
Yesahasvini Health Insurance Scheme was first launched in 2002 by the then Chief Minister of Karnataka, S.M. Krishna. The scheme became operational from June 1 2003. Cooperative farmers of Karnataka are given quality and affordable treatment through this scheme through a network of hospitals available in the state of Karnataka.
The idea of ‘Rural health care scheme’ was first launched by Dr. Devi Prasad Shetty of Narayan Hrudayalaya, Bangalore. Later some modifications were made to this concept by Sri A Ramaswamy, former Principal Secretary of Karnataka Government and the Cooperation Department.
These documents are needed to register for the Yeshasvini Health Insurance Scheme:
If you are a beneficiary of the Yeshasvini Health Insurance Scheme, follow the steps listed below to file a claim:
Yeshasvini Cooperative Farmers Health Care Trust is registered under the Indian Trust Act, 1882. It is chaired by the Chief Minister of Karnataka who is also the chief benefactor of this trust. Principal Secretary of the Minister of Cooperation, Karnataka is the co-chairman.
Principal Secretary of the Health and Family Welfare Department, Karnataka looks after the governing body which consists of 9 senior state government officers and 5 doctors from different states.
Yeshasvini Health Insurance Scheme is the largest self-funded health care scheme in India. It is a contributory scheme where contributions are made annually to avail of the benefits of this scheme.
Yeshasvini Cooperative Farmers Health Care Trust was established and registered under the Indian Trust Act, 1882. This trust was established to make sure that the Yeshasvini Health Insurance Scheme is adeptly executed. This trust is backed by the government. One of the chief benefactors is the Chief Minister of Karnataka. It is supported by the Minister of Cooperation. The following table will give you the list of the members of the trust.
|Dr. C.N. Manjunath Director, Jayadeva Institute of Cardiology, Bangalore
Dr. Deviprasad Shetty, Narayana Hrudayalaya, Bangalore
Dr. Chandra Mouli, MBBS, M.S, Consultant Surgeon, Fortis Hospital, Bangalore
Dr. Manjunath Shetty, Head of Nephrology Department, J.S.S College
Dr. L.H.Bidri, Bidri’s Ashwini Hospital, Bijapur & Trustee
|Registrar of Co-operative Societies, Bangalore
Bangalore Managing Director, Karnataka State Cooperative Milk Producers Federation Ltd.
Bangalore Commissioner for Cane Development and Director of Sugar
Bangalore Registrar of Cooperative Societies
Managing Director, Karnataka State Cooperative Apex Bank Ltd
|Principal Secretary, Cooperation Department, Government of Karnataka
Yeshasvini Health Insurance Scheme is a comprehensive health care plan that aims to provide medical treatment to the underprivileged sections of society. Now that you know everything about this healthcare initiative, make sure to enrol under the scheme to reap the benefits.
In case you are not eligible to fulfil the eligibility criteria, you choose to consider health insurance policies offered by leading insurers in India, for example, Navi. This company approves cashless claims in 20 minutes and has more than 10,000 network hospitals in India. To avail of the above benefits, download the Navi App now.
The financial coverage provided by this health insurance scheme during surgery includes the following:
• Expenses incurred in the operation theatre
• Cost of medicines
• Anaesthesia costs
• Surgeon’s fee
• Professional charges
• Nursing fee
• Consultation charges
• Room rent, etc.
The list of medical procedures that are excluded under the scheme mainly includes:
• Prosthesis, burns, and skin grafting
• Joint replacement surgery
• Nasal septum and dental surgery
• Genito-urinary surgery
• Cosmetic surgery
• Heart and kidney transplant
• Autoimmune diseases
• Inpatient medical treatment
• Road accidents
During the time of registration for this scheme, an eligible candidate has to submit these documents:
• Residence certificate
• Cooperative Society membership certificate
• Aadhaar card and PAN card
• Income certificate
• Bank account details
• Passport size photo
This scheme covers the costs incurred for a wide range of medical procedures. Some of them are as follows:
• Ophthalmology, general, paediatric surgery
• Surgical oncology
• Gynaecology and obstetrics
• Cardiac arrest
• Neonatal care
• Emergencies like a dog bite, snake bite and drowning
• Accidents during operation of agricultural implements.
Yeshasvini Cooperative Farmers Health Care Trust is a charitable trust which ensures the efficient implementation of the Yeshasvini Scheme. The Trust was established under the Indian Trust Act of 1882. It comprises 5 senior officers and the Principal Secretary of the Cooperation Department.
A rural cooperative society’s member can avail benefits of Rs. 1.25 lakh to Rs. 2 lakh for medical surgery. On the other hand, urban cooperative society members can get coverage of Rs. 1.75 lakh for treatment on single admission and Rs. 2.50 lakh for multiple submissions.
To become a beneficiary under this scheme one has to be a member of the cooperative societies of Karnataka for at least 6 months. One can also avail the scheme benefits if he/she is a family member of the beneficiary.
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Disclaimer: This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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