With India’s medical advancement, India’s medical expenses have increased, including infrastructure, supplies, hospitalization, medicines, etc. Many Indians do not have access to medical care special provisions The government of India has developed various health insurance schemes to help the poor.
State governments are playing their part by providing health care for the poor. Kerala Government has introduced Compassionate Health and Security Padhathi.
Today’s article will discuss the government sponsored Karunya Health Insurance Scheme and its benefits. Additionally, we will search and examine eligibility requirements, documentation, and applications in accordance with the policy.
Karunya Arogya Suraksha Padhathi Details in Highlights
| Scheme name | Karunya Health Insurance Scheme |
| launch year | 2022 |
| Launch by | Kerala State Government |
| Benefits | Health Insurance plans |
| Beneficiaries | Citizens of Kerala State |
| Website | karunya.kerala.gov.in |
Karunya Health Scheme Objectives (ಕಾರುಣ್ಯ ಆರೋಗ್ಯ ಯೋಜನೆಯ ಉದ್ದೇಶಗಳು)
This program’s major objective was to provide medical insurance to low-income citizens of the state who were already battling life-threatening conditions. Every household that signs up for this program would be eligible to receive Rs. 5 lakh every year. This sum represents the medical coverage for hospitalization in secondary and tertiary care settings.
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Karunya Health Insurance Scheme Documents(ಕಾರುಣ್ಯ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆಯ ದಾಖಲೆಗಳು)
Identity proof: Aadhaar card, voter ID etc. are required to verify Kerala residence. Original evidence of settlement. BPL Card: Since this health insurance scheme is for the poor, applicants have to provide proof. Income Verification: Eligibility for the health insurance plan depends on your annual income.
Additional Requirements: A copy of a ration card, a passport-sized photograph and an estimate of medical expenses must be provided. Mobile number and contact details.
Karunya Arogya Suraksha Padhathi Eligibility
The recipient must be a citizen of Kerala. Only those who want to work below the poverty line are eligible for the program. This insurance scheme is available to all BPL and APL households with annual income below Rs. 3 lakhs is available. Applicants must have Aadhaar card, income proof and other documents required to enroll in this scheme
Karunya Health Insurance Scheme Benefits(ಕಾರುಣ್ಯ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆ ಪ್ರಯೋಜನಗಳು)
Kerala’s Karunya Health Scheme works as critical illness insurance. This type of insurance helps individuals with chronic diseases get treatment. Acute diseases covered include cancer, hemophilia, palliative care, cardiovascular diseases and nephrology. This scheme offers up to Rs. 2 lakhs for treatment of the aforesaid diseases.
For severe diseases, the maximum medical benefit available under this scheme is Rs. 3 lakhs is available. If your medical expenses exceed the fixed costs, you will be reimbursed. The government has spent Rs 250 crore on health insurance. Initially, this health care system treated only government hospitals, but eventually included private institutions.
Karunya Health Insurance Scheme Application Procedure
- Applicants are required to begin the process by going to the Government of Kerala’s official website, which may be found at http://karunya.kerala.gov.in.
- Following this, the candidate should navigate their way to the section under “How to Apply.”
- When you click on the link, the application form will be available for download in PDF format.
- Complete the application form to the best of your ability, and then send it to the appropriate government agency together with the other needed materials.
FaQ
Q. What is the Karunya Health Insurance Scheme Benefits ?
Ans. Under the plan, all of the costs for the following parts of the treatment are covered: Exam, treatment, and consultations, Pre-hospitalization, Medicines, Non-intensive care and intensive care, diagnostics, Accommodation services, Problems that come up during treatment, Up to 15 days of follow-up care after a hospital stay
Q. What is the Karunya Health Scheme Objectives ?
Ans. This program’s major objective was to provide medical insurance to low-income citizens of the state who were already battling life-threatening conditions. Every household that signs up for this program would be eligible to receive Rs. 5 lakh every year
Q. What is the Karunya Arogya Suraksha Padhathi Eligibility ?
Ans.
- The recipient must be a citizen of Kerala.
- Only applicants below the poverty level are eligible for this program. This insurance program is available to all BPL and APL households with an annual income below Rs. 3 lakhs.
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