Karunya Arogya Suraksha Padhathi Insurance Scheme: How to Apply?

Every year government initiates various welfare schemes and programs for underprivileged people of the society. It is done with the aim to reach out to the untouched group and provide them with the facilities they are deprived of. One such scheme is Karunya Arogya Suraksha Padhati, implemented by the government of Kerala. Through this blog, we will dive deep to build a better understanding of the scheme and how you can apply for the same.

Karunya Arogya Suraksha Padhati

Karunya arogya suraksha padhathi scheme is a critical illness insurance scheme for underprivileged people of Kerala. Through this scheme, economically disabled citizens get financial assistance in the form of insurance coverage for serious diseases, like, cancer, haemophilia, kidney diseases, etc. Beneficiaries are entitled to get ₹5 lakhs per annum for medical treatment in case of secondary and tertiary care hospitalisation.

Features of Karunya Insurance

To understand more about the scheme, you must have a look at the following key features:

• Cashless Hospitalisation: The beneficiaries can avail of the facility of cashless hospitalisation and opt for medical services without paying for it.
• No Restrictions: There is no upper limit or any limitation on the number of children in the family and the age and gender of the beneficiary.
• Pre-existing Disease: The mediclaim insurance provides coverage for pre-existing diseases from day 1 of the start of the policy.
• No Restricted Boundaries: This scheme is valid throughout the country. If you are the beneficiary, then you can visit any hospital in India which has been accredited to provide cashless treatment.
• Coverage: All medical treatment-related expenses, including medications, diagnostic services, physician fees, surgical fees, etc., are covered in the scheme.

A Helping Hand to the Underprivileged

Karunya health insurance is specifically designed to financially support economically weaker sections and reduce their burden substantially. Here are the following benefits a person can get through the scheme:

Sum Insured

The scheme is considered as the smaller version of the Ayushman Bharat Yojana in Kerala. More than 42 lakh people will be benefited from the annual sum insured of ₹5 Lakh to each household in the state.

Wider Coverage

The plan covers all the medical expenses associated with the critical disease. It includes treatment costs, consultation fees, diagnostic tests, hospitalisation, etc. This will reduce the financial burden of the family.

Diseases Covered

This plan explicitly focuses on serious and life-threatening diseases. Hence, all the serious illnesses which have high treatment costs, including cancer, heart attack, kidney issues, etc are covered under the plan.

Kerala Arogya Insurance Card Online Registration

Gone are the days when availing any government facility was a task in itself. Now with digitalisation, you can easily access and get the benefits of the schemes. Mentioned below are the following steps you need to follow for karunya insurance registration and to become the beneficiary of the scheme:

• Visit the online portal of Karunya Kerala
• Click on “How to Apply”
• Download a PDF of the application form for the scheme
• Fill up the form accurately
• Submit the application form with all the necessary and required documents

Documents Required

Here is the list of documents required to enjoy the benefits of the scheme:

• Adhaar card or Voter ID card
• Income Certificate
• Documents with residential details
• BPL card
• A copy of your ration card
• Passport-size photo

Final Words

Centre and state governments infuse a lot of money into welfare schemes like karunya arogya suraksha padhathi to reach the economically weaker section of society. With health insurance schemes, the government ensures the overall well-being of the population as It helps the economy and the society as a whole to grow.

If you are not eligible for government healthcare schemes, you can opt for private healthcare insurance plans. With insurers like Niva Bupa, you can secure your financial future easily. The insurer offers various plans and 24*7 support for policyholders.

To experience the best health insurance policy services, you must enroll in Niva Bupa plans today!

FAQ

1. How to get Karunya Health Insurance?

To avail the Karunya Health Insurance Scheme (KASP), follow these steps:

Online Application:

• Visit the official portal: karunya.kerala.gov.in.
• Navigate to the "How to Apply" section.
• Download and complete the application form.
• Submit the form along with the necessary documents.
  
   

Required Documents:

• Aadhaar card or Voter ID card.
• Income certificate (for Above Poverty Line families).
• Ration card.
• Address proof.
• Passport-sized photograph.
  
   

Application Tracking:

• After submission, you can track your application status using the "Application Tracking" feature on the portal.

2. Who is eligible for KASP card?

Eligibility criteria for the KASP card are as follows:

• Residency: Must be a permanent resident of Kerala.
• Income Criteria:

Below Poverty Line (BPL) families.

Above Poverty Line (APL) families with an annual income of less than ₹3 lakh.

• Documentation: Submission of Aadhaar card, income certificate, and other relevant documents is required.

3. What are the benefits of KASP insurance?

The Karunya Health Insurance Scheme offers several benefits:

• Coverage Amount: Provides up to ₹5 lakh per family per year for secondary and tertiary care hospitalisation.
• Pre-existing Conditions: Covers pre-existing diseases from day one.
• Family Coverage: Includes coverage for at least five family members.
• Cashless Treatment: Available at empanelled public and private hospitals across India.
• Reimbursement: Offers reimbursement if treatment expenses exceed the initial estimate.
• Comprehensive Coverage: Covers over 1,500 medical procedures, including cancer treatments, surgeries, and diagnostics.
  
   

4. What is the limit of Karunya insurance?

The Karunya Health Insurance Scheme provides:

• Annual Coverage: Up to ₹5 lakh per family.
• Individual Treatment Limit: Up to ₹2 lakh for specific illnesses, increasing to ₹3 lakh for severe cases.

Coverage Scope: Includes hospitalisation, diagnostics, surgeries, and post-hospitalisation expenses.