Since technological advancements took the landscape by leaps and bounds, it has led to improved infrastructure and facilities in India. It is no secret that healthcare facilities are on the rise, and so is the cost of treatments, hospitalization, medications, etc. The Indian government, in collaboration with the states, has therefore introduced a number of health insurance programs to assist the less fortunate in order to counteract the skyrocketing cost of healthcare. The Kerala government launched the Karunya Insurance Scheme, one of its special initiatives, to offer the underprivileged members of the public access to high-quality healthcare.
The “Karunya Arogya Suraksha Padhathi,” also known as the “Karunya Health Insurance Scheme,” is a critical illness health plan for Kerala’s impoverished population. The scheme provides critical illness insurance. Citizens who are economically disadvantaged can receive financial support through this program in the form of insurance coverage for grave illnesses like cancer, hemophilia, kidney diseases, etc. In the event that beneficiaries require hospitalization for secondary or tertiary care, they are eligible to receive Rs. 5 lakhs annually for medical treatment.
Karunya Arogya Health Scheme: Highlights
Here are the key highlights of Karunya Arogya Health Scheme.
| Parameters | Details |
| Launch year | 2022 |
| Launched by | Kerala State Government |
| Benefits | Health Insurance plans |
| Beneficiaries | Citizens of Kerala State |
| Website | karunya.kerala.gov.in |
| Health Cover | Rs. 5 lakhs |
Eligibility for Karunya Health Insurance Scheme
The eligibility criteria to enrol in the Karunya health insurance scheme are listed below:
- The recipient must be a Kerala citizen.
- Only those who fall below the poverty line are eligible to apply for this program. This insurance plan is available to all BPL and APL families with yearly incomes under Rs. 3 lakhs.
- In addition to some other necessary paperwork, applicants for this scheme must have an Aadhaar card and an income certificate in order to be enrolled.
Beneficiaries can simply file claims for
- The price of Medications
- Doctor Visits
- Hospital Stays
- Significant Testing
- ICU Stays
- Surgeries
Why Should You Choose Karunya Health Scheme?
Listed below are the reasons to choose Karunya Health Scheme.
- Critical Illness Coverage
In Kerala, one kind of critical illness health insurance policy is the Karunya Health Scheme. This program helps reduce out-of-pocket costs for people with long-term medical conditions. Comprehensive coverage is provided for ailments such as nephrology, cancer, cardiovascular problems, hemophilia, and palliative care.
- No Restrictions
Regarding the beneficiary’s age and gender, there is no upper limit or restriction on the number of children in the family.
- Sum Insured
In Kerala, the Ayushman Bharat Yojana is mirrored in the Karunya Health Insurance Scheme. Every household can access up to Rs. 5 lakhs per year for medical facilities. This health insurance programme provides coverage to over 42 lakh households that are low-income and in need.
- Wider Coverage
The following treatment-related costs are fully covered by the plan: assessment, diagnosis, treatment, consultations, pre-hospitalization services, drugs, non-intensive and intensive care, hospital stay, post-hospital care, etc.
- Cashless Hospitalisation
The ability to be hospitalized cashless allows the beneficiaries to choose medical care without having to pay for it.
- Pre-existing Disease
Pre-existing conditions are covered by the mediclaim insurance from the first day of the policy.
- No Restricted Boundaries
This program is open to all residents of the nation. If you are eligible, you can receive treatment at any Indian hospital that has been certified to accept cashless payments.
- Coverage
The plan covers all costs associated with medical care, such as prescription drugs, diagnostic tests, doctor visits, surgical costs, etc.
Kerala Arogya Insurance Card Online Registration
Applying for any kind of health insurance plan has become very easy with the availability of Internet resources. The Kerala government’s official website makes it simple for you to apply in this situation.
Here are the steps you need to follow.
- To start the application process, go to http://karunya.kerala.gov.in, the online portal.
- The “How to Apply” section is located directly on the main page. To download the application, click on it.
- Please take care when entering your information and send it in with the required paperwork. The Karunya health card may take several days to generate.
To continuously monitor the status of your application, you can also use the ‘Application Tracking’ option. As an alternative, you can look up your name using the home page’s “List of Beneficiaries” option.
Which documents should be submitted while applying for Karunya Arogya Health Scheme?
Here is the list of documents that you must submit while registering yourself for the Karunya Arogya Kerala scheme.
- Identity Proof
You can prove your identity with an Aadhar card, a driver’s license, a voter ID card, etc.
- Resident Proof
You must show proof of residency in Kerala, such as a voter ID card, ration card, Aadhaar card, driver’s license, etc.
- BPL (Below Poverty Line) Card
During the online registration process, applicants are required to provide their BPL cards, as this health insurance program is designed to provide treatment to underprivileged individuals in the state.
- Income Proof
Based on your yearly income, the Kerala government will decide if you qualify for the health insurance plan. As a result, you must make sure you have all the required paperwork, including proof of income, when applying for this health insurance policy.
- Additional Documents
You also need to submit your health insurance plan application form, passport-size photos, and an estimate of the total amount you spent at the hospital, in addition to the aforementioned documentation.
Frequently Asked Questions
The Karunya Insurance plan card is issued by the Kerala Government based on your income details and other eligibility requirements. You must present this card at the hospital in order to receive medical care.
Yes, in accordance with the terms of the program, participants may still receive benefits even if they had a medical condition prior to applying.
No, there isn’t an offline method for getting the form. You can easily download it in PDF format from the Kerala Government portal at http://karunya.kerala.gov.in.
Here is the list of serious diseases covered by the Karunya Health Scheme.
- Cancer
- Heart surgery
- Kidney transplant
- Liver transplant
