Yeshasvini Health Insurance Scheme by Karnataka Government

The Yeshasvini Health Insurance Scheme is a healthcare assistance scheme introduced by the government of Karnataka. It covers expenses for about 823 different procedures across multiple medical specialities, including treatment for dog bites, snake bites, drowning, and agricultural accidents. This scheme is available for farmers, peasants, self-help groups, weavers, fishermen, beedi workers, and Stree Shakti groups across the state. 

Here are the key features and benefits of the Yeshasvini Health Insurance Scheme:

• The benefits of the scheme apply to the family of a rural co-operative society member.

• A fixed amount needs to be contributed by the beneficiaries annually. During 2017-18, ₹300 was the yearly member contribution for the Rural Yeshasvini Scheme while ₹710 was chargeable for the Nagara Yeshasvini Scheme.

• Members of self-help groups, weavers, fishermen cooperative societies, ‘beedi’ workers, and Stree Shakti groups qualify for Yashasvini card facility.

• The scheme offers coverage for 800+ procedures.

• Yeshasvini Health Insurance can be availed by a newborn baby as well as by anyone below the age of 75 years.

Close to 30 lakh people across 30 districts of Karnataka receive health insurance coverage through the Yeshasvini card. The scheme covers 823 procedures, encompassing a range of medical treatments such as: 

The Yeshasvini Cooperative Farmers Health Care Trust aims to ensure efficient implementation of the Yeshasvini scheme. The trust's governing body consists of senior doctors across the state and senior officers reporting to the Principal Secretary of the Department of Cooperation.

Individuals who are members of a cooperative society for a minimum duration of 3 months can register for the scheme. The registration of new members and renewal of existing ones is done at all cooperative societies between May and June. The local cooperative society signs up a member, issues a receipt, and deposits the premium amount before the commencement of the plan year. The main member receives a Unique Health Identification (UHID) form, which needs to be furnished while seeking healthcare services.

To be eligible for Yeshasvini Scheme coverage, the following criteria must be met: 

• An individual can become a member of a cooperative society six months before the start of the scheme. These include members of rural co-operative societies, weavers’ cooperative societies, self-help groups dealing with cooperative societies, beedi workers’ cooperative societies, and fishermen cooperative societies.

• Individuals should not belong to rural areas of cities and corporations in the state.

• Family members can also avail benefits of the Yeshasvini card even if they are not members of a rural co-operative society.

The enrolment and renewal guidelines are issued by the Department of Cooperation, Government of Karnataka. For premium collection, assistance is provided by the Deputy Registrar of Cooperative Societies and Cooperative Development Officers. The final amount collected is transferred to District Central Cooperative Banks, who, in turn, send it to the Apex Bank, Bangalore.

The following documents are required to enrol for the Yeshasvini Health Insurance Scheme: 

• A certificate that proves the applicant is a member of Rural or Urban Cooperative Societies

• Age proof

• Address proof

During the time of the Yeshasvini Health Scheme’s launch, beneficiaries were provided with a Yashasvini Card, which signified the individual’s association with the scheme. However, from 2008-2009, the card was replaced with a Unique Health Identification form. The Yashasvini Scheme UHID form contains details like name, age, relationship, etc. of the main member and his/her family.

The implementation procedure of the Yashasvini Scheme is as follows: 

• The beneficiary has to visit a network hospital.

• The Coordination Officer of this hospital will check if the patient is a Yeshasvini beneficiary and if the required treatment/surgery is covered under the scheme.

• Once confirmed, the patient must undergo a few medical tests for initial diagnosis.

• Based on the initial diagnosis, the network hospital will share a pre-authorisation request online with supporting documents to the MSP (Management Services Provider).

• The MSP will then verify the request shared by the hospital. Approval for the request shall be given within a day.

• Once approved, the doctors at the network hospital can commence the treatment.

• Post verification, the MSP shall send the payment to the hospital.

While there is no official estimate, nearly 900 hospitals across several districts in Karnataka are a part of the network of Yeshasvini Health Insurance Scheme and offer benefits under the Yashasvini Card facility. Bangalore (urban) has the highest number of hospitals at 61, followed by Belgaum at 49, Bagalkot at 44, Tumkur at 27, Dakshina Kannada at 26, and Mandya at 25.

The Yashasvini Scheme covers various surgical procedures at pre-negotiated rates with network hospitals. As such, the beneficiary can avail cashless treatment using the Yashasvini card per the prescribed limits. Normal delivery, neonatal care, dog and snake bites, electric shocks, accidents such as drowning are covered under the scheme.

Apart from the Yeshasvini Scheme, there are other health insurance plans available that offer extensive coverage. At Bajaj Markets, you can check out various other health insurance plans that provide medical coverage of up to ₹50 Lakh, cashless settlements, free regular health check-ups, and more, at a feasible rate. Now, you can get the best treatment without worrying about the finances.

Health Insurance Plans Available at Bajaj Markets