Who Would You Like To Insure?

Karunya Health Scheme

  • Author :
  • TATA AIG Team
  • Last Updated On :
  • 30/01/2024
  • 2 min read

Access to basic medical facilities remains challenging for many individuals in India, especially those in economically weaker sections. The governments across several states in India have introduced several healthcare initiatives, to help bridge the gap between economically backward and forward classes of the society and extend the healthcare quality benefits to the underprivileged.

One such initiative is the Karunya Arogya Suraksha Padhathi (KASP), a critical illness plan launched by the Kerala Government to provide essential medical aid to the economically weaker sections of society.

In this blog, we will discuss what KASP is and how exactly people can make effective use of the same for their future.

What is Karunya Arogya Suraksha Padhathi? KASP Full Form and More

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.

Features of Karunya Arogya Suraksha Padhathi

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.

Facilities Under Karunya Arogya Suraksha Padhathi

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.

Eligibility Criteria for Karunya Arogya Suraksha Padhathi

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.

How to Register for Kerala Arogya Insurance Card Online Registration

  • 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.

Documents for Kerala Arogya Insurance Card Online Registration

  • 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.

For financial protection during a medical crisis, consider investing in a health insurance policy with exhaustive coverage. Tata AIG brings to you customisable and budget-friendly health insurance plans for you and your loved ones.

While you explore the benefits of health insurance, with us, you can enjoy several unique features like cashless hospitalisation across our network hospitals, online policy purchase and renewal option, an exhaustive list of policy riders and more.

With a wide spectrum of medical insurance plans that are specifically tailored to your needs, we encourage you to live a long and healthy life.

Share This Article
Facebook Feeds
Recent Tweets
Share This Article
Facebook Feeds
Recent Tweets

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

Tata AIG Also Offers Insurance for the below products

Travel Insurance

Two Wheeler Insurance

Health Insurance

Car Insurance