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Initiated by the Kerala state government in 2012, the Karunya Health Insurance program aims to provide accessible medical treatment to the Economically Weaker Sections (EWS) of the state. With an annual coverage of ₹5 Lakhs per family, the plan encompasses hospitalization for both secondary and tertiary treatments. To sustain this noble initiative and ensure vital medical facilities for economically disadvantaged groups, the Kerala government continues to collaborate with the Karunya Health Scheme, funded through the Kerala lottery, with proceeds directly benefiting network hospitals.

Key Features of the Karunya Health Scheme

Here are the main features of the Karunya Health Scheme: 

  • Inclusive Healthcare Access: Originally limited to government institutions, the scheme expanded to include accredited private hospitals, enhancing patient care with improved facilities and infrastructure.

  • Government Allotment: The Kerala government has allocated ₹250 Crores for the Karunya Health Insurance Scheme, demonstrating its commitment to bolstering healthcare infrastructure.

  • User-Friendly Platform: The official web platform facilitates Karunya Health Insurance registration and provides essential information, including the hospital list and other details.

  • Cost Mitigation: The scheme aims to reduce the risk of unexpectedly high medical costs, ensuring financial relief for beneficiaries.

  • Comprehensive Coverage: The plan offers coverage for up to 3 days of pre-hospitalization costs and 15 days of post-hospitalization costs, including prescription drugs and diagnostic tests.

  • Inclusive Policies: There are no limitations imposed on the number of children, age, or gender, making it accessible to all.

  • Extensive Medical Procedures: With approximately 1,573 procedures covered, the services encompass all related expenses. These include medications, diagnostic services, OPD, surgical fees, ICU and OT charges, addressing a wide range of healthcare needs.

Benefits of the Karunya Health Insurance Scheme

The following are the benefits of the Karunya Health Insurance Scheme:

  • Flexible Reimbursement: Enjoy the peace of mind knowing that you will be reimbursed even if your treatment costs exceed the estimated amount.

  • Inclusive Coverage: The scheme covers pre-existing diseases, ensuring comprehensive healthcare for all beneficiaries.

  • Coverage for severe illnesses: Karunya Health Insurance provides coverage for critical illnesses, including but not limited to cancer, heart diseases, kidney diseases, brain surgeries, and transplant surgeries.

  • Financial Assistance: The government extends financial assistance of up to ₹2 Lakhs for specific illnesses, offering crucial support during challenging times.

  • Enhanced Support for Severe Ailments: Depending on the severity of your ailment, the payment ceiling may be increased to ₹3 Lakhs, providing additional financial assistance for critical medical conditions.

Eligibility Criteria for Karunya Health Insurance Scheme

To ensure a seamless application process and avoid rejections, it's crucial to be well-versed with the eligibility criteria for Karunya Insurance. Here are the key points:

  • The applicant must be a resident of Kerala

  • Individuals with an annual income below ₹3 Lakhs are eligible to register for Karunya Insurance

How to Register for the Karunya Health Insurance Scheme?

The Kerala government has streamlined the application process for the Karunya Health Scheme through its user-friendly online portal. Follow these steps for a smooth insurance registration process:

  • Go to the official website of Karunya Kerala

  • On the homepage, locate and click on the 'How to Apply' option and download the Karunya Insurance application form from this section

  • Fill in the application form meticulously and submit it online, attaching the required supporting documents to complete the application process

  • Allow a few days for the system to process your application

  • For updates on your application status, click on 'Application Tracking' to monitor the progress of your Karunya Arogya Insurance registration

Which Documents Should be Submitted While Applying?

When applying for the Karunya Arogya Kerala scheme, ensure you have the following documents ready:

  • Identity Proof:

    Acceptable forms include Aadhaar card, driving licence, voter ID card, etc. Choose one as your identification proof.

  • Resident Proof:

    Verify your residency in Kerala with documents such as Aadhaar card, driving licence, voter ID card, ration card, etc.

  • BPL (Below Poverty Line) Card:

    Given the scheme's focus on providing healthcare to disadvantaged individuals, submission of BPL cards is mandatory during the online registration process.

  • Income Proof:

    The Government of Kerala assesses eligibility based on annual income. Ensure you have income proof documents to support your application for this health insurance plan.

  • Additional Documents:

    Include your health insurance plan application form along with passport-size photographs. Provide an estimate of the total expenses incurred at the hospital for a comprehensive application.


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What is the objective of the Karunya Health Scheme?

The Karunya Health Scheme, launched in 2012, aims to provide top-tier healthcare and coverage for individuals dealing with various serious illnesses. Eligible families receive an annual health insurance benefit of ₹5 Lakhs for secondary and tertiary care hospitalization.

Can I apply for Karunya Insurance offline?

No, the application process is exclusively online. Visit the official Karunya Kerala website for online application submission.

What are the eligibility criteria for the Karunya Health Insurance Scheme?

To apply for a Karunya health card, ensure you meet the eligibility criteria. The applicant must be a resident of Kerala, with an annual income below ₹3 Lakhs.

What are the Benefits of the Karunya Health Insurance Scheme?

  • Reimbursement for treatment costs exceeding estimates.

  • Coverage for pre-existing diseases.

  • Financial assistance for severe illnesses, including cancer, heart diseases, and surgeries.

  • Government aid for certain illnesses up to ₹2 Lakhs, potentially increased to ₹3 Lakhs based on ailment severity.

What is the contact number for Karunya Health Insurance?

Contact Karunya Health Scheme officials at:

  • Helpline number: 0741 3230 448, 0741 3230 449

  • Email Id:

  • Official portal: Karunya Health Scheme

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

Yes, pre-existing diseases are covered under the scheme, providing financial assistance.

What is the Karunya Benevolent Fund?

The Karunya Benevolent Fund is a state government initiative guaranteeing financial relief for impoverished individuals facing serious illnesses. It is funded through the Kerala lottery and supports those suffering from conditions such as cancer, kidney, liver, and heart problems.

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