Karunya Health Insurance Scheme 2024: KASP Registration, Eligibility

Karunya Health Insurance Scheme

With the development of medical facilities and infrastructure, the cost is also increasing. Families belonging to BPL and low-income families cannot bear the medical expenses. So The government of Kerala started the Karunya Health Insurance Scheme to provide free cashless medical treatment to the BPL and APL families of the state. Under this scheme, the state government will provide health coverage of Rs 5 lakhs to each family.

Kerala Lotteries funds this insurance scheme and the treatment amount is directly transferred to the network hospitals to offer a settlement. A beneficiary can have cashless access to health care services for the beneficiary at the point of service across public and private empaneled hospitals. One of the major benefits of this plan is that you will be reimbursed even if your treatment charges exceed the estimated amount.

Objective Of Karunya Health Insurance Scheme

The objectives of the Karunya Health Insurance Scheme are as follows:

• To provide health insurance coverage to the APL and BPL families whose income is less than 3 lakhs.
• To provide better health facilities to the residents of Kerala.
• To facilitate the underprivileged sections of the state.

Key Features Of Karunya Health Insurance Scheme

• Karunya Health Insurance Scheme as called Karunya Arogya Suraksha Padhathi was introduced by the government of Kerala.
• Under this scheme, the state government will provide a cover of Rs. 5 lakhs per family per year.
• KASP is a fully funded government health insurance scheme.
• KASP provides cashless access to health care services for the beneficiary at the point of service across public and private empaneled hospitals.
• Under this scheme, expenses like diagnosis and medicines will be covered for 3 days of pre-hospitalization and 15 days after hospitalization.
• There are no restrictions on family size, age, or gender.
• All pre-existing conditions/diseases will be cured from day one.

Benefits Of Karunya Arogya Suraksha Padhathi

• Medical examination, treatment, and consultation.
• Pre-hospitalization
• Medicine and medical consumables
• Diagnostic and laboratory investigations
• Medical implantation services (where necessary)
• Accommodation benefits
• Complications arising during treatment
• Post-hospitalization follow-up care for up to 15 days.
• One of the major benefits of this plan is that you will be reimbursed even if your treatment charges exceed the estimated amount.

Critical Illness Covered Under Karunya Arogya Suraksha Padhathi

KASP health insurance allows people to get treatment benefits who are suffering from serious chronic diseases. Some of the critical illnesses covered under this insurance cover include:

• Cancer
• Haemophilia
• Palliative Care
• Heart diseases
• Kidney diseases

Eligibility Criteria 

The eligibility criteria for Karunya Arogya Suraksha Padhathi KASP are as follows:

• The beneficiary should be a resident of Kerala.
• People from below over line and above the poverty line are eligible for this scheme.
• The applicant has to submit their Aadhaar card and income certificate while applying for this insurance scheme.

Documents Required 

The following documents are needed to apply for Karunya Arogya Suraksha Padhathi (KASP):

• Identity Proof.
• Residence Proof.
• BLP Card or APL Card.
• Income Certificate.
• Ration Card.
• Passport-size Photograph.
• Mobile Number.

Click Here:- kerala-ksheerasree-portal

How To Apply For the Karunya Health Insurance Scheme?

• First of all, you have to visit the official website of the government of Kerala
• On the home page, you have to click on how to apply.
• Then from the drop-down list click on download the application form.
• Fill in all the details asked in the application form.
• After filling in all the details attach the documents with the application form and submit it to the concerned authority.