Karunya Health Scheme

KASP, full form Karunya Arogya Suraksha Padhathi, initiated by the Kerala Government in 2012, is a critical illness plan designed to offer health insurance coverage to individuals facing financial constraints and suffering from critical illnesses.

Under this scheme, enrolled families are entitled to receive an annual coverage of ₹5 lakh for secondary and tertiary care hospitalisation.

Government Allocation: The Kerala State Government has earmarked a substantial sum of ₹250 crore for the implementation of this health insurance plan.

Hospital Network Expansion: Initially restricted to government hospitals, the scheme now includes several private hospitals with advanced infrastructure, broadening the range of benefits available.

Online Information Access:** The official website of the Karunya health insurance scheme provides comprehensive details about network hospitals, application forms, claim procedures, application dates, and lists of beneficiaries from specific regions.

The Karunya Arogya Suraksha Padhathi (KASP) offers a range of facilities to ensure comprehensive health coverage for individuals facing critical illnesses. Here are some key facilities provided under this health insurance scheme:

Medical Coverage for Critical Illnesses: KASP primarily functions as a medical cover for critical illnesses, ensuring that individuals suffering from acute diseases have access to necessary treatment.

Financial Support for Treatment: The government allocates financial support to enrolled individuals, offering up to ₹2 lakh for the treatment of covered ailments. In cases where the severity of the disease magnifies, the government may increase the amount up to ₹3 lakh.

Expense Reimbursement: Beneficiaries are eligible for reimbursement if the expenses incurred for the treatment of a critical illness exceed the initially estimated amount. This feature provides additional financial relief to individuals and families facing unexpected healthcare costs.

Inclusive Family Coverage: KASP Insurance extends its benefits to the entire family. At least five family members of a beneficiary can avail of treatment benefits, with each member receiving a special card for easy access to medical facilities.

Wide Range of Covered Illnesses: KASP insurance covers a spectrum of critical illnesses, including but not limited to cancer, haemophilia, kidney diseases, heart diseases, palliative care, brain surgery, liver surgery, transplant surgeries, and acute respiratory illnesses. This ensures that a diverse range of medical conditions is addressed under the scheme.

Accessible Network of Hospitals: Initially limited to government hospitals, the scheme has expanded its network to include several private hospitals with advanced infrastructure. This expansion enhances accessibility and provides beneficiaries with a choice of healthcare providers.

The facilities offered under Karunya health scheme aim to address the healthcare needs of the economically weaker sections of society, providing them with the necessary financial and medical support during times of critical illness.

To avail of the benefits offered by the Karunya insurance scheme, applicants must meet specific criteria:

Residency: Applicants must be residents of Kerala.

Income: Families falling under Above Poverty Line (APL) or Below Poverty Line (BPL) categories with an annual income of less than ₹3 lakh are eligible.

Documentation: Applicants must provide their Aadhaar card, income certificate, and other relevant documents during the enrollment process.

• Visit the online portal of Karunya Kerala.

• Click on 'How to Apply.'

• Download the KASP scheme's application form in PDF format.

• Fill in the details and submit the application form along with the necessary documents.

• Once your application is approved, you can opt for the KASP insurance card download.

• Aadhaar card or Voter ID card

• Income Certificate

• Residential details documents

• BPL Card

• Copy of the ration card

• Passport-size photo

Karunya Arogya Suraksha Padhathi has brought a positive transformation to the healthcare landscape for Kerala's underprivileged population. By getting familiar with the details of this government initiative, one can enrol and avail of its extensive benefits, securing essential health coverage for self and family.

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