Yeshasvini Scheme by Govt. of Karnataka

What is Yeshasvini Health Insurance Scheme?

Genesis of Yeshasvini Health Insurance Scheme

The Yeshasvini Cooperative Farmers Health Care Scheme was launched by S.M. Krishna, the former chief minister of Karnataka on November 14, 2002. However, it started operations in 2013. Co-operative farmers are allowed to benefit from Yeshasvini scheme coverage via network hospitals across Karnataka.

What is Yeshasvini Cooperative Farmers Health Care Trust?

The Yeshasvini Cooperative Farmers Health Care Trust is headed by the chief patron, the Chief Minister of Karnataka to ensure the efficient implementation of the Yeshasvini scheme. The governing body of the trust consists of senior officers reporting to the Principal Secretary of the Cooperation Department who is also the Chairman of the Trust as well as senior doctors across the state. 

Funding of Yeshasvini Health Insurance Scheme

All beneficiaries of the Yeshasvini Cooperative Farmers Health Care Scheme contribute annually to enjoy the benefits under the scheme. This makes it a contributory scheme that is one of the largest self-funded health care schemes in India.

Eligibility criteria for Yeshasvini Health Insurance Scheme

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

• Only individuals below the age of 75 years can be enrolled
• An individual can become a member of a cooperative society six months before the starting of the scheme. These include members of rural co-operative society, weavers cooperative societies, self-help groups dealing with cooperative society, beedi workers cooperative societies and fishermen cooperative societies
• Individuals should not belong to rural areas of cities and corporations in the state
• The scheme period is strictly from August 1st to July 31st of the following year
• Family members can also avail benefits of the Yeshasvini card, even if they are not members of a rural co-operative society

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

Coverage of Yeshasvini Health Insurance Scheme

Close to 30 lakh beneficiaries across 30 districts in Karnataka benefit from health insurance coverage through the Yeshasvini card facility. The scheme covers 803 procedures some of which include:

• Cardiac, cardiothoracic, orthopaedic, pediatric and general surgery
• Ophthalmology, genito-urinary  and neurological surgery
• Neonatal Intensive Care and Gynaecology and Obstetrics
• Surgical Oncology, Gastroenterology and vascular surgery
• Dog bite, snake bite, and drowning
• Accidents during operation of agricultural implements such as electrical shocks

Exclusions under Yeshasvini Health Insurance Scheme

Some of the procedures excluded under the Yeshasvini card include:

• Diagnostic investigations, follow-up treatment and medico legal Cases
• Burns, implants, prosthesis, skin grafting and cosmetic surgery
• Chemotherapy, autoimmune diseases and inpatient medical treatment
• Deviated nasal septum and dental surgery
• Joint replacement surgery, Kidney and heart transplant
• Dialysis and road traffic accidents

Number of Network Hospitals under the scheme

572 hospitals across several districts in Karnataka are a part of the network of Yeshasvini Health Insurance Scheme and offer benefits under the Yeshasvini 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.  .'Just as the Yeshasvini scheme, health insurance plans available on Finserv MARKETS also offer access to quality health care across 6500+ network hospitals.

Yeshasvini card facility

Individuals who are members of a cooperative society for a minimum duration of 3 months can register for the scheme. From May to June, registration of new members and renewal of existing ones is done at all cooperative societies. Those who want to enroll can visit http://yeshasvini.kar.nic.in to apply for the Yeshasvini card online.

Features and benefits of Yeshasvini Health Insurance Scheme

• Benefits of the scheme apply to the family of the main member of rural co-operative society
• A fixed amount needs to be contributed by the beneficiaries annually. ₹ 300 was the yearly member contribution for rural members and ₹710 for urban for 2017-18
• Enrollment period extends from July to October every year while the scheme is operational from June 1 to May 31 of the following year
• Members of self-help groups, weavers, fisherman cooperative societies, Beedi workers and Stree Shakti groups qualify for Yeshasvini card facility.

 The Yeshasvini Health Insurance Scheme covers various surgical procedures at pre-negotiated rates with partner hospitals so that the beneficiary can avail cashless treatment using the Yeshasvini card as 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. For example, the Health Insurance plans available on Finserv MARKETS  offer medical coverage up to Rs. 50 lakhs, so you can take care of any medical emergencies in future. 

Administration of the Yeshasvini Health Insurance Scheme

The Yeshasvini Cooperative Farmers Health Care Trust which is registered under the Indian Trust Act 1882 is headed by the Chief Patron, the Chief Minister of Karnataka. Some of the other patrons include the Minister for health and family welfare and cooperation. 9 senior state government officers and 5 doctors from different states comprise the governing body of the trust which is chaired by the Principal Secretary to the Karnataka government, health and family welfare department. Principal Secretary to Government of Karnataka, Cooperation Department is the co-chairman of the Trust.