If your Govt. Health Plan falls short while covering additional medical expenses exceeding existing coverage, Health Insurance Top-up will get you covered!

 About Jyothi Sanjeevini Scheme

Government servants living in any part of Karnataka can get registered in Jyothi Sanjeevini, the state Government’s health insurance scheme, formed under the aegis of the Arogya Suraksha Trust. This is a comprehensive health policy targeted at government employees that allows them as well as those dependent on them to get cashless treatment across an extensive network of hospitals in Karnataka empanelled under the Jyothi Sanjeevini Scheme(JSS).

Beneficiaries can avail tertiary medical care and emergency services related to chronic illnesses that may involve hospital admission, surgery as well as other advanced therapies upon enrollment in JSS. 

Jyothi Sanjeevini Scheme Eligibility Criteria

Any government employee as well his or her family members qualify for registration in Jyothi Sanjeevini. However, he or she should not be enrolled in any other health insurance scheme sponsored by the government of India to be eligible for JSS benefits.

A declaration with details of the family members as well as valid certification is to be furnished at the time of enrolling in the scheme. As per the clauses mentioned under Rule 2(1) of the Government Servants (Medical Attendant) Rules, 1963 in Karnataka, the following dependants are eligible for enrollment:

  • Wife or husband of the government employee
  • Children including stepchildren if any, dependant on the government servant
  • Parents living with a government servant with monthly income less than Rs. 6000

How to apply for Jyothi Sanjeevini

JSS beneficiaries are identified from the Karnataka Government Insurance Department (KGID) policy number that they hold. This is verified along with the HRMS database recorded at the Department of Personnel and Administrative Reforms of the Karnataka Government. All you  need to do is carry the KGID number and Aadhar card at the hospital visit and get it verified by Arogyamitra. No registration is required as well as no cards are issued by the Suvarna Arogya Suraksha Trust.

Jyothi Sanjeevini Scheme benefits

  • JSS covers a total of 449 procedures under 7 medical specialities such as neurology, oncology, cardiology, burns, cases of poly-trauma( not including medico legal ones) as well as genitourinary, neonatal and paediatric surgical procedures
  • Healthcare services amounting to Rs 1.5 Lakhs per annum can be availed by the Jyothi Sanjeevini subscribers which include charges towards hospitalization, doctor consultation, food, transport, complication management, medicines as well as pre and post operative medical care.
  • A government employee has to manage 30% of the charges if treatment is carried out in the general ward of any of the facilities mentioned in the Jyothi Sanjeevini Scheme hospital list network, with the government taking care of the remaining 70%.
  • 50% of the charges are borne by the government in case of admission to super-specialty wards of the Jyothi Sanjeevini Scheme hospital list.

List of hospitals under the Jyothi Sanjeevini Scheme

Let us take a look at the Jyothi Sanjeevini Scheme hospital list where registered members can avail treatment

  • Dhanush hospital, Bagalkote
  • Karnataka Cancer Hospital, Bangalore
  • BGS global hospitals, Bangalore
  • Choudhary hospital, Bijapur
  • Pragathi Specialty hospital, Puttur
  • Sukshema Hospital, Davangere
  • Chirayu Hospital, Gulbarga
  • Tatwadarsha Hospital, Hubli
  • Mandya Institute of Medical Sciences, Mandya
  • Omega Hospitals Pvt Ltd, Mangalore


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  • ✔️What kind of accommodation can I expect once I or my family member is admitted to a hospital under JSS?

    Depending on your pay band, you will be allotted either  general, private or semi-private wards. Refer to the terms listed in the scheme for further information

  • ✔️Would my expenses be covered if I opt for a hospital for my treatment that does not belong to the Jyothi Sanjeevni Scheme hospital list?

    No. In such cases you will have to bear the expenses by yourself.

  • ✔️What are the exceptions to the cashless treatment provided under the scheme?

    If you opt for an implant, stent or prosthesis that costs more than what is mentioned in the benefit package or choose wards that are superior than those you are entitled for as per Jyothi Sanjeevini, you will have to bear the additional cost in these cases.

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