Karunya Health Insurance Scheme 2023: KASP Insurance How to Apply?

Karunya Health Insurance Scheme 2023

Karunya Health Insurance Scheme (KSAP) is a health care insurance scheme which the goal to provide health coverage for 5 lacks per family per year. As per the official statistics, 42 lakh poor and vulnerable families are nourished by the scheme. It is a fully sponsored scheme and Karunya Benevolent Fund -KBF (Trust model implemented through the Lottery department) along with Ayushman Bharat – Pradhan Mantri Jan Arogya Yojana (PMJAY) and formulated Karunya Arogya Suraksha Padhathi (KASP).

The amount for the health scheme is raised through a lottery. This welfare measure is useful to those who suffer from ailments, the cost of treatment of which proved to be insupportable to lower and even middle class of society with an annual family income of less than Rs. 3 lakhs.

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Karunya Health Insurance Scheme Benefits

Karunya Health Insurance Scheme 2023 Benefits are available below-

• Diagnostic and laboratory investigations
• Medical implantation services (where necessary)
• Accommodation benefits
• Complications arising during treatment
• Medical examination, treatment, and consultation
• Pre-hospitalization
• Medicine and medical consumables
• Non-intensive and intensive care services
• Post-hospitalization follow-up cares is up to 15 days.

Karunya Health Insurance Coverage

The Karunya Health Insurance Scheme covers the following diseases-

• Cancer
• Haemophilia
• Kidney diseases
• Heart diseases
• Palliative Care
• Brain surgery
• Liver surgery
• Transplant surgeries
• Acute respiratory illness

Karunya Insurance Eligibility

The Government of Kerala has already set eligibility criteria for the Karunya Health Insurance Scheme which following are-

• All the APL and BPL families with annual income below ₹3 lakhs are eligible for Karunya Health Scheme.
• The applicant must be a resident of Kerala in order to avail of these benefits.

Karunya Health Insurance Scheme Required Documents

• Identity Proof (Aadhar Card, Voter ID, etc)
• Residential Proof
• BPL Card
• Income Certificate
• Additional Documents (Ration Card, Passport Size photograph)

Karunya Health Insurance Hospital List