Everything you Need to Know about Kerala's Awaz Health Insurance Scheme

The health insurance industry in India has been growing rapidly due to various contributions by the government.The Kerala state government has launched a healthcare programme called Awaz Health Insurance. This programme primarily covers migrant workers with medical insurance and accidental death coverage. It was unveiled in November 2017 and the registration procedure started in December 2017.

 

Here is everything you need to know about Kerala's best health insurance scheme.

 

Features of Kerala’s Awaz Health Insurance Scheme

The successful application of this scheme is a win for the entire health insurance industry. Following are its salient features which make it the best health insurance scheme in India:

 

• The initial data collection phase for this health programme was finished in December 2017. The enrollment program's trial run started on June 1st, 2018.
• The district's labour officers closely watched the application procedure to support the health insurance plans comprehensively.
• Advertising for this health programme is done in Oriya, Bengali, and Hindi throughout the state to make it the best health insurance scheme in India.
• To identify and cover migratory workers, registration centres are accessible n more than 200 places throughout Kerala.
• The government-issued smart card contains the insured worker's nominee's name, picture, and local address.
• Several complaint redressal cells have been built in numerous locations around the state to guarantee this healthcare insurance system's straightforward and efficient operation.

 

Now, let’s look at a health insurance guide for Kerala's Awaz Health Insurance Scheme.

 

Health Insurance Guide

The Kerala administration is quite concerned about the migrant workers' current state of health. It is anticipated that some diseases, including malaria, have returned to the state due to migrant labour. By the end of the year, the Kerala government hopes to identify and provide this scheme's medical insurance coverage to over 5 lakh interstate workers employed there.

 

Labourers in Kerala who need financial security against health risks may purchase this plan. The covered candidates are eligible for free medical care at all state-run public hospitals and certain accredited private hospitals. The health insurance industry in India is booming with the introduction of such plans. Here is a health insurance guide to help you get the most out of this best health insurance scheme in India:

 

Coverage

You may get the following coverage via the Awaz health insurance programme:

 

1. The medical care for any kind of sickness or injury is up to ₹15,000 .

2. The accidental death benefit is worth ₹2 lakhs. Any beneficiary of an insured migrant worker may file a claim for the insurance benefit by providing sufficient documentation of the worker's death.

 

Eligibility

The following are the requirements for applying to the Awaz Health Insurance Scheme:

 

1. Migrant labourers should be between the age of 18 and 60.

2. Employees must provide their fingerprint, iris, and employment-related documents at the time of enrolment. The insurance card will be given upon submission of all of these. Moreover, identification cards accepted by both the Central and Kerala government, such as the Aadhar Card, voter ID card, driving licence, etc., should be submitted while signing up for the programme.

 

Procedure

The health insurance industry in India has eased the procedure for availing the benefits of such plans. You must seek treatment at one of the network's private hospitals or a state government hospital  to take advantage of the Awaz Health Insurance Scheme. You must provide the hospital staff with your biometric health card to get cashless care.

 

Benefits

The premium for the Awaz Health Insurance Scheme is fully subsidised by the Government of Kerala. Families can register for the scheme through the Village Office or Akshaya Kendra in their respective panchayats. The registration process is free of cost. The scheme has tied up with more than 200 hospitals across the state, including private hospitals, for providing medical treatment to the beneficiaries.

 

Renewal

This scheme is valid for one year from the registration date. It can be renewed every year by paying the premium amount, which is subsidised by the government.

 

Grievance Redressal

The scheme has a grievance redressal mechanism in place for addressing the complaints of beneficiaries. The toll-free number 1800-425-1076 can be used for lodging complaints.

 

Overall, the Awaz Health Insurance Scheme is an excellent initiative by the Kerala government to ensure that everyone has access to quality healthcare services without having to worry about the financial burden.