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Understanding details about the Karunya Health Insurance Scheme

Kerala state government introduced the Karunya Health Insurance program in 2012 with the goal of providing affordable medical treatment to the state's EWS (Economically Weaker Section) populations. A Karunya insurance plan of ₹5 Lakhs for each family annually is also intended to cover hospitalisation for secondary and tertiary treatment. To ensure that the economically disadvantaged groups of Kerala state receive the essential medical facilities, Kerala government has opted to keep working on this initiative. The Kerala lottery raises funds for this project, which are directly transferred to the network hospitals. 

What are the Features of the Karunya Health Scheme?

The scheme has been introduced for the better healthcare of Kerala residents. Here are the features of the Karunya health care project.

 

  • When Karunya Arogya Insurance coverage was first implemented, the beneficiaries were only able to receive their medical care from government institutions. Later, a number of private hospitals were granted accreditation, where improved facilities and infrastructure aided in better patient care.

  • ₹250 Crores have been allotted by the Kerala government for the Karunya Health Insurance Scheme. 

  • The official web platform may be used for Karunya Health Insurance registration and to locate the Karunya Health Insurance hospital list and other important information.

  • It intends to lessen the likelihood of unexpectedly high medical costs.

  • It pays for up to 3 days of pre-hospitalisation costs and 15 days of post-hospitalisation costs, including prescription drugs and diagnostic tests.

  • There are no limitations on the number of children, age, or gender.

  • Approximately 1,573 procedures are included in the services, which comprise all treatment-related expenses such as medications, diagnostic services, OPD, surgical fees, ICU and OT charges, serious respiratory issues etc.

What are the Benefits of the Karunya Health Insurance Scheme?

Following are the benefits of the Karunya Health Insurance Scheme:

 

  • You will be reimbursed even if your treatment costs are higher than the estimated amount.

  • Pre-existing diseases are covered. 

  • Karunya Health Insurance scheme provides coverage for severe illnesses including cancer, heart diseases, kidney diseases, brain surgeries, transplant surgeries, and so on. 

  • The government offers financial assistance for certain illnesses up to ₹2 Lakhs.

  • Based on the severity of your ailment, the payment may possibly be increased to ₹3 Lakhs.

Eligibility for Karunya Health Insurance Scheme

In order to apply for a Karunya health card, you must be aware of the Karunya Insurance eligibility criteria since it will assist you in avoiding rejection as well as make the application process smooth. 

 

  • The applicant should be a resident of Kerala. 

  • People having an annual income of below ₹3 Lakhs are eligible to do Karunya Insurance registration. 

How to Register for Karunya Health Insurance Scheme?

By providing the online portal, the Kerala government has made the application process easier for the Karunya Health Scheme. Here’s a step-by-step guide that will assist you in doing Karunya Arogya Insurance registration.

 

  • Visit the official website of Karunya Kerala.

  • On the homepage, you will see an option of ‘How to Apply.’ Click on it to download the Karunya Insurance application form.

  • Fill in the form carefully and submit it to the online portal along with the supporting documents. 

  • It may take up to a few days to generate the Karunya health card. 

  • Alternatively, you can track your application status by clicking on ‘Application Tracking.’

Which Documents Should be Submitted while Applying?

Here is the list of documents that you must submit while registering yourself for the Karunya Arogya Kerala scheme. 

1. Identity Proof

You may use an Aadhaar card, driving licence, voter ID card, etc as a form of your identification proof. 

2. Resident Proof

To demonstrate your residency in Kerala, you must present resident proof such as an Aadhaar card, driving licence, voter ID card, ration card, etc. 

3. BPL (Below Poverty Line) Card

Since this health insurance scheme is intended to offer treatment to disadvantaged individuals in the state, applicants must submit BPL cards during the online registration procedure.

4. Income Proof

The Government of Kerala will determine your eligibility for the health insurance plan based on your annual income. As a result, while applying for this health insurance policy, you must ensure that you have all of the necessary documents, including proof of your salary.

5. Additional Documents 

Along with the above-mentioned documents, you must provide your health insurance plan application form with passport-size photographs and an estimation of the entire value you expended at the hospital.

Conclusion

With the introduction of several government-backed programs and cutting-edge infrastructure, India's healthcare system is gradually improving. Plans like the Karunya Insurance make sure that those who are having trouble finding the money for pricey healthcare procedures may receive the help they need to get through difficult circumstances.

 

Additionally, getting health insurance is a smart way to safeguard your family. In the case of a medical emergency, it will give you monetary sustainability. Bajaj Markets is one of the best approaches for finding health insurance. The platform doesn’t offer its own products, instead, there are multiple lenders available at this platform who provide health insurance policies with various advantages. You may contrast their offerings and pick the one that best suits your requirements.

FAQs on Karunya Health Scheme

  • ✔️What is the objective of the Karunya Health Scheme?

    This scheme was launched in 2012. The main goal of the Kerala Karunya health insurance program is to provide the best healthcare and coverage for those who are afflicted with a variety of serious illnesses. Also, the eligible family would receive a health insurance benefit of ₹5 Lakhs annually for secondary and tertiary care hospitalisation under the plan.

  • ✔️Can I apply offline for Karunya Insurance?

    No. There’s no offline method available to apply for this insurance scheme. You can only apply online by visiting the official Karunya Kerala website. 

  • ✔️What is the eligibility for Karunya Health Insurance Scheme?

    In order to apply for a Karunya health card, you must be aware of the Karunya Insurance eligibility criteria. The applicant has to be a resident of Kerala and the applicant should have an annual income of below ₹3 Lakhs to be eligible for the Karunya Insurance.

  • ✔️What are the Benefits of the Karunya Health Insurance Scheme

    Following are the benefits of the Karunya Health Insurance Scheme:

    • You will be reimbursed even if your treatment costs are higher than the estimated amount.

    • Pre-existing diseases are covered. 

    • The scheme provides coverage for severe illnesses including cancer, heart diseases, kidney diseases, brain surgeries, transplant surgeries, and so on. 

    • The government offers financial assistance for certain illnesses up to ₹2 Lakhs.

    • Based on the severity of your ailment, the payment may possibly be increased to ₹3 Lakhs.

  • ✔️What are the required documents for Karunya Health Insurance Scheme?

    Here is the list of documents you are required to submit.

    • Identity proof

    • Resident proof

    • BPL card

    • Income proof

    • Ration card

    • Passport size photographs

  • ✔️What is the Karunya Health Insurance contact number?

    You may contact the Karunya Health Scheme officials by using the following information:

    Official portal: http://www.karunya.kerala.gov.in/

  • ✔️Can I receive healthcare under the Karunya Health Insurance Scheme for any pre-existing medical condition?

    Yes. As per the scheme’s policies, your pre-existing disease will be covered under it and you will receive financial assistance for the same.

  • ✔️What is Karunya Benevolent Fund?

    Karunya Benevolent Fund is a state government guarantee initiative that gives financial relief to impoverished persons suffering from serious illnesses by generating cash through the Kerala lottery. Karunya Benevolent Fund assists underprivileged persons suffering from serious illnesses such as cancer, kidney, liver, and heart problems, etc. 

  • ✔️Which diseases are covered under this scheme?

    The scheme covers multiple serious illnesses. Here is the list of diseases.

    • Cancer

    • Heart surgery

    • Kidney transplant

    • Liver transplant 

    • Heart transplant 

    • Liver disease

    • Other kidney & liver diseases and surgeries  

    • Serious respiratory illness

    • Haemophilia