Popular Health Insurance Schemes: State governments across the country have consistently tried to provide high quality health care to the general public, especially the economically disadvantaged sections of the population. Due to cost, rural workers and farmers cannot afford health care. Thus, several government policies have been developed to improve public health and reduce medical costs.
The Government of Karnataka’s Yeshasvini Health Insurance Scheme is one such program. It is one of the most often used forms of health insurance for Indian farmers by the Karnataka government.
Read the post below to get detailed information related to the Yeshasvini Health Insurance Scheme like Features and Benefits, Eligibility Criteria, Coverage provided, Registration, List of Medical Services Covered, Network Hospitals Included, and much more
Features and Benefits of the Yashasvini Health Insurance Scheme
- The entire state of Karnataka is covered by this program, which is only offered there.
- Under this insurance plan, beneficiaries can also receive discounted rates for several diagnostic tests.
- For at least three months, you must be a member of the Karnataka Rural Co-operative Society to be eligible for the benefits of this insurance plan. You will then become the key player.
- Enrollment is available under this program from July through October each year.
- Under this program, you can also take advantage of hospital stays at reduced costs at several network hospitals.
- A person’s maximum age to purchase the policy for a newborn child is 75 years old.
- Those who enlist during the specified time may use the benefits at any point between 1 June and 31 May of the succeeding year.
Yeshasvini Health Insurance Scheme Financing
One of India’s largest self-funded healthcare programs is the Yeshasvini Co-operative Farmers Health Care Scheme. To receive the advantages provided by the Yeshasvini Co-operative Farmers Health Care Scheme, beneficiaries must make minor annual contributions, making it a contributory scheme. The fixed contribution for 2013–14 was Rs. 210 per year.
Yeshasvini Health Insurance Scheme Eligibility Criteria
| Age Limit | People who are younger than 75 years old can apply for the program |
| Period | Beginning on August 1 and ending on July 31 |
| Eligible members | Before the start of the scheme’s first six months, a person can join a cooperative society. Members of rural cooperative societies Members of cooperative societies for weavers Self-help organizations addressing cooperative society Beedi Workers Cooperative Societies members Fisherman cooperative society members |
| Availability | Even if they are not members of the rural cooperative society, the family members of the primary recipient are nonetheless entitled to receive benefits under this program. |
| Coverage | Karnataka Cities and Corporations’ rural areas are not covered. |
| Enrolment | The following information is provided regarding enrollment under this program: Every year, the Government of Karnataka’s Department of Cooperation releases enrolment and renewal rules. The enrollment of beneficiaries and premium collection is assisted by the Deputy Registrar of Cooperative Societies and Cooperative Development Officers, among others. The funds are sent from District Central Cooperative Banks to Apex Bank in Bangalore after being collected. In the first year, a letter was issued by the district registrar of cooperatives. Photo ID cards were distributed during the second year. Since 2008, main members have received enrollment paperwork for Unique Health Identification. Details about the primary beneficiary, his or her family, relationships, and other information are included in the enrollment form. |
Documents Required
- Age proof
- Address Proof
- A document attesting to a person’s membership in rural or urban cooperative societies
Coverage Provided by the Scheme
Farmers can receive coverage up to Rs. 2.5 lakh under the Yeshasvini Health Insurance Scheme for an annual premium payment of no less than Rs. 250. Farmers who participate in this program are covered for family members’ medical crises.
Steps to Register for Yeshasvini Health Insurance Scheme?
- The applicant must have been a member of the cooperative societies for at least three months to register for this program.
- Every year, from May to June, new enrollment for the Karnataka Yeshasvini plan is completed at all relevant corporative organizations.
Implementation Strategy for the Yeshasvini Health Insurance Scheme
When the beneficiary visits one of the hospitals in the network, the administrator verifies the beneficiary’s UHID card, pays the enrollment fee, and approves the initial diagnosis. If surgery is required, an application for a preliminary authorization is submitted to the MSP.
The request is examined by experts. Subject to prescribed limits, the beneficiary may receive cashless treatment for any surgery.
Bhoomi RTC Karnataka Bhulekh Land Records
Network hospitals send a summary of the patient’s signed bill and other required documentation to an MSP for collection processing. The Yeshaswini Health Insurance Scheme Trust pays the network hospitals through MSP within 45 days of receiving the invoice.
Implementing Steps for the Yashasvini Health Insurance Scheme
- A network hospital that the trust recognizes and authorizes is visited by the Yeshasvini beneficiary.
- A network hospital coordinating officer will check the beneficiary’s UHID card.
- The enrolling party is required to pay a charge.
- The patient must then go through an initial diagnosis and a few fundamental medical tests.
- The network hospital will submit an online pre-authorization request to the MSP with supporting documentation based on the initial diagnosis.
- The request will be examined by doctors chosen by the MSP, and approval will be issued the next day.
- The network hospital will offer the beneficiary cashless treatment while taking into account the restrictions outlined in the program.
- The network hospital will send the MSP the original invoices, discharge summary, and other medical records after the patient is discharged in order to settle the claim.
- Within 45 days of receiving the documentation, the trust will resolve the claim with the network hospital through the MSP
FaQ
Q.What is Yeshasvini health insurance scheme?
Ans.The Yeshasvini Health Scheme is a medical insurance scheme launched by the Government of Karnataka, which can be availed by the cooperative members. The Yeshaswini health card holders benefit from an insured sum for treatment and diagnostic costs at the listed network hospitals.
Q.What is the coverage of Yashaswini card?
Ans.Rs. 5 lakh sum insured: The Yeshasvini Health Insurance Scheme offers an annual sum insured of Rs. 5 lakh. Insured members can also avail cashless facilities in any of the network hospitals
Q.Who is eligible for Yashaswini eligibility?
Ans.These include members of rural co-operative societies, weavers' cooperative societies, self-help groups dealing with cooperative societies, beedi workers' cooperative societies, and fishermen cooperative societies.
Yashasvini Health Insurance Scheme by Karnataka Govt: Eligibility, Benefits @ ಯಶಸ್ವಿನಿ ಆರೋಗ್ಯ ವಿಮಾ ಯೋಜನೆ
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