Yeshasvini Scheme

The Yeshasvini Insurance Scheme was launched on 1st June 2003, by the then Chief Minister of Karnataka, Mr S.M. Krishna. Since its implementation, the farmers in Karnataka can enrol themselves under the scheme to benefit from its various provisions.

The scheme benefits farmers from 30 districts in Karnataka and is managed by the Yeshasvini Cooperative Farmers Health Care Trust. The Yeshasvini Scheme falls under the Indian Trust Act 1882.

When Arogya Karnataka was launched in March 2018, 8 individual medical care schemes were combined. After that, Arogya Karnataka was merged with Ayushman Bharat in October 2018.

Hence, the annual health coverage (covering 1650 medical procedures under the Arogya Karnataka Scheme) of ₹1.5 lakh a year for a Below Poverty Line family of 5 members (with the added support of ₹50,000 wherever necessary) was raised to ₹5 lakhs.

The people enrolled under the Ayushman Bharat Arogya Karnataka scheme can seek benefits under the Yeshasvini Health Insurance Scheme.

The Yeshasvini Scheme in Karnataka faced a few initial challenges but has benefitted innumerable farmers in the state henceforth.

As stated above, the Yeshasvini Cooperative Farmers Health Care Trust is the monetary reservoir that manages the effective implementation of the Yeshasvini Scheme.

The Yeshasvini Insurance Scheme is headed by the Chief Minister of Karnataka, and the Minister of Cooperation is also closely associated with it.

Along with the Chief Minister and the Minister of Cooperation, 5 senior officers, a principal secretary, and several highly qualified doctors form the scheme’s governing body.

The Karnataka Government and the citizens together make contributions towards the trust. For a minimum premium amount of ₹250 annually, farmers and their families in Karnataka can get coverage for various medical procedures up to ₹2.5 lakhs.

The guidelines regarding the enrollment and renewal of the beneficiaries under the scheme are laid down by the Department of Cooperation, which is a part of the Karnataka Government.

The Cooperative Societies’ Deputy Registrar, along with the Cooperative Development Officers, conduct the enrollment and get the contribution. The contributed premium is sent to the District Cooperative Central Bank. From there, the amount is sent to the Apex Bank of Bangalore.

From here, the amount is used to benefit citizens enrolled under the medical insurance plan.

• The Yeshasvini Scheme is available to Karnataka farmers who have been a part of the state cooperative society for at least 90 days.

• The insured can get coverage for any illness listed in the scheme.

• The scheme covers an individual from birth to the age of 75 years.

• The health insurance scheme covers 823 surgical procedures. The insured can get a cashless procedure done at any network hospital empanelled under the scheme up to the prescribed limit.

• The scheme’s enrollment period is between July and October every year.

• Peasants, self-help groups, fishermen cooperative societies, and Stree Shakti Groups can also benefit from this scheme.

• General surgery

• Gynaecological surgery

• Cardiac arrest

• Cardiothoracic surgery

• Obstetrics

• Neonatal intensive care

• Orthopaedic surgery

• Paediatric surgery

• Surgical oncology

• Ophthalmology surgery

• Neurological surgery

• Genito-urinary surgery

• Dog and snake bite

• Drowning

• Vascular surgery

• Normal delivery

• Accidents while using agricultural machinery

• Heart or kidney transplant

• Implants

• Diagnostic investigation

• Prosthesis

• Follow-up treatment

• Medico-legal cases

• Cosmetic surgery

• Burns

• Skin grafting or treatment

• Dental surgery

• Chemotherapy

• Dialysis

• Road accidents

• Nasal septum

• Inpatient treatment

• Joint replacement surgery

• Autoimmune diseases

• Vaccination

- Age: A person below the age of 75 years can get enrolled under the Yeshasvini Health Care Scheme.

- Membership: To enrol under the Yeshasvini Scheme, an individual has to be a part of a cooperative society in Karnataka for a minimum of 90 days.

An enrolled person’s family members can also benefit from the scheme, even if they are not part of a cooperative society.

- Individuals covered: The enrolled person, spouse, dependent children, and parents.

- Scheme tenure: The scheme’s annual tenure is between August 1st of the current year to July 31st of the succeeding year.

• Members of the employees’ cooperative society.

• Members of liquidated or inoperative cooperation society.

• Individuals employed in the government sector or with a private company who draw a salary from their employment.

• Married daughters who are not individually enrolled under a cooperative society and reside beyond the jurisdiction of the medical scheme.

An enrolled person must get a Yeshasvini Insurance Scheme Health Card to avail of the scheme’s benefits. It is advisable to keep the original and photocopies of the following documents handy when applying for the health card so that there is no delay in the application process:

• Age proof

• Address proof

• An official document that certifies that the applicant has been a rural or urban cooperative society member for the minimum prescribed period.

The Yeshasvini Health Card is an essential document a person requires to benefit under the healthcare scheme.

On getting the health card, the insured person or their family members can present it at a network hospital under the scheme and get cashless treatment.

The card is issued to the enrolled individual when he buys the medical scheme. It can be conveniently renewed at all valid cooperative societies.

The registration of new members and the renewal of the existing ones is done every year between May and June. The registration is carried out by all valid cooperative societies.

Here is the step-by-step process to apply for a Yeshasvini Health Card online:

1. Visit the government website to register under a cooperative society in Karnataka.

2. Go to the ‘Register for the Cooperative Society’ option.

3. Find and click on the ‘Apply Online for Yeshasvini Health Card’ link.

4. Fill out all the necessary details on the online registration form and submit it.

5. Move to the ‘Home Page.’

6. Use your credentials to log in to the website.

7. The portal will direct you to the Yeshasvini Health Card form.

8. Fill out the health card form, check all the details, and submit it to complete the application process.

The insured person or his family members can go to any of the network hospitals and avail of the scheme benefits. Here are the steps to do so:

1. Find out the network hospital nearest to you to get the medical treatment.

2. A medical coordinating officer will check all your documents and health card to confirm enrollment.

3. Submit the enrollment fee for pre-diagnosis and medical tests for the illness.

4. As per the test results and the doctor’s diagnosis, if there is a need for surgery, the request for approval is sent to the Management Support Service Provider.

5. Once the request is verified, the approval for cashless treatment is given to the patient per the coverage extent of the scheme.

6. The patient can get cashless treatment at the network hospital up to the scheme’s coverage limit.

7. After the patient gets discharged from the hospital, the medical bills, discharge summary, and other necessary documents are sent to the Management Support Service Provider for claim settlement.

8. Finally, the health insurance claim is settled by the Yeshasvini Health Insurance Scheme trust, and the hospital receives the money.

There is no official figure for the number of network hospitals under the Yeshasvini Health Care Scheme. However, there are an estimated 900 hospitals that are a part of this government scheme.

Several other health insurance plans besides the Yeshasvini Scheme offer extensive coverage and an easy claim process.

Various benefits of health insurance under these plans include cashless hospitalisation, 24x7 customer support, COVID-19 coverage, along with pre and post-hospitalisation coverage. There is also a cumulative bonus for claim-free years, tax exemptions, and much more.

At Tata AIG, you can buy health insurance online and avail yourself of all the above-mentioned benefits through a paperless process with a high claim settlement ratio.

The Karnataka Government’s Yeshasvini Health Care Scheme covers several kinds of surgeries and treatments at network hospitals spread across the state.

An eligible individual can get a Yeshasvini Health Card made for cashless treatment for the covered procedures till the insured limit. The coverage is also extended to the family members of the insured.