Digit
headset_mic account_circle
mail
Sign In
  • Products

    Motor

    • Car Insurance
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance
    • Auto Rickshaw Insurance
    • Truck Insurance

    Health

    • Health Insurance
    • Super Top-up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance

    Other

    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims

    • File a Claim
    • File Health Claim
    • File Motor Claim for Garages
    • COVID-19 Assistance
    • Claim Status
  • Renewals
  • Become an Agent
  • Digit Products

    Motor Insurance

    • Car Insurance 25% OFF
    • Two Wheeler/Bike Insurance
    • Commercial Vehicle Insurance
    • Taxi/Cab Insurance 15% OFF
    • Auto Rickshaw Insurance
    • Truck Insurance

    Health Insurance

    • Health Insurance
    • Super Top-Up Health Insurance
    • OPD Health Insurance
    • Arogya Sanjeevani Policy
    • Personal Accident Insurance
    • Corporate Health Insurance

    Other Insurance

    • International Travel Insurance
    • Flight Delay
    • Shop Insurance
    • Home Insurance
  • Claims

    File a Claim

    File Health Claim

    File Motor Claim for Garages

    COVID-19 Assistance

    Claim Status

  • Renewals

    Become an Agent

  • Support
    Sign In
    • edit Edit Policy
    • download Download Policy
    • person_pin My Service Requests
    • check Check Policy Status
    call 1800-258-5956 whatsapp 70260 61234 mail_outline hello@godigit.com

    Our WhatsApp number cannot be used for calls. This is a chat only number.

  • My Account
    account_circle
    • autorenew Renew My Policy
    • download Download My Policy
    logout SIGN OUT
    call 1800-258-5956 whatsapp 70260 61234 mail_outline hello@godigit.com

    Our WhatsApp number cannot be used for calls. This is a chat only number.

  • login
  • about
  • contact
  • careers
More Products

Motor

  • Car Insurance
  • Two Wheeler/Bike Insurance
  • Commercial Vehicle Insurance
  • Taxi/Cab Insurance
  • Auto Rickshaw Insurance
  • Truck Insurance

Health

  • Health Insurance
  • Super Top-up Health Insurance
  • OPD Health Insurance
  • Arogya Sanjeevani Policy
  • Personal Accident Insurance
  • Corporate Health Insurance

Other

  • International Travel Insurance
  • Flight Delay
  • Shop Insurance
  • Home Insurance

Support

close
account_circle
  • edit Edit Policy
  • download Download Policy
  • person_pin My Service Requests
  • check Check Policy Status
  • autorenew Renew My Policy
  • download Download My Policy
logout SIGN OUT
call 1800-258-5956 whatsapp 70260 61234 mail_outline hello@godigit.com

Our WhatsApp number cannot be used for calls. This is a chat only number.

Switch to the 5 Star Rated Insurance

Trusted by 1.5 crore customers

  • Health
    Health
  • Pay as you Drive
    Car Side View
    Car
  • trending icon

    Third-party premium has changed from 1st June. Renew now

    Motorcycle Side View
    Bike
  • auto rikshaw
    Commercial
  • Up to 17% Off
    Travel Airplane
    Travel
  • More products
    More
ENTER YOUR CAR NUMBER
keyboard_arrow_right
DON'T KNOW YOUR CAR NUMBER?
keyboard_arrow_right
renew digit policy keyboard_arrow_right

I agree to the  Terms & Conditions

Terms and conditions

    Enter valid registration number
    Please enter valid City name
    DON'T KNOW REGISTRATION NUMBER?
    keyboard_arrow_right
    I KNOW MY REGISTRATION NUMBER
    keyboard_arrow_right
    IT'S A NEW BIKE
    keyboard_arrow_right
    RENEW DIGIT POLICY
    keyboard_arrow_right

    I agree to the  Terms & Conditions

    keyboard_arrow_right
    IT'S A NEW BIKE
    keyboard_arrow_right
    RENEW DIGIT POLICY
    keyboard_arrow_right

    I agree to the  Terms & Conditions

    Most Popular(You can select more than one)

    I agree to the  Terms & Conditions

    As mandated by Spanish Authorities your travel insurance needs to extend 15 days after your trip ends.
    We will extend your coverage period accordingly.

    false false false false false false false false false false false

    Port my existing Policy

    keyboard_arrow_right
    or renew digit policy keyboard_arrow_right

    I agree to the  Terms & Conditions

    You can select more than one member

    • -+ Max kids
      (s)
    ENTER YOUR REGISTRATION NUMBER
    keyboard_arrow_right
    DON'T KNOW YOUR REGISTRATION NUMBER
    keyboard_arrow_right
    or renew digit policy keyboard_arrow_right

    I agree to the  Terms & Conditions

    Terms and conditions

    Terms and conditions

    Switch to the 5 Star Rated Insurance
    • Health
    • Car
    • Bike
    • Commercial
    • Travel
    • More Products

    All about Karunya Health Insurance Scheme

    karunya health scheme
    (Source: districtsinfo)

    With improved infrastructure and facilities, it is more likely that the cost of treatments, hospitalisation, medications, etc., will gradually increase across India.

    Keeping that in mind, the Indian Government, in association with the states, has launched several health insurance schemes to facilitate the underprivileged sections. Among them, Karunya Insurance Scheme was a special initiative taken by the Kerala Government with the purpose of providing quality healthcare to the poverty-stricken section of the society.

    Wondering how this will help you? Scroll down to know.

    What is Karunya Health Scheme?

    Back in 2012, the UDF Government launched this healthcare scheme for the first time. Here the sole purpose was to help people suffering from critical illnesses with substantial treatment coverage. Under the Karunya Health Scheme, each family should receive a health cover of ₹5 lakhs per year for secondary and tertiary care hospitalisation.

    Do you know how such a huge amount is arranged for this scheme?

    Well, the funding comes from the Kerala lottery so that beneficiaries can pay a nominal premium charge to avail of the benefits.

    What are the features of the Karunya Health Scheme?

    Some of the prime features of the Karunya Health Scheme include:

    • Initially, when this health insurance scheme was introduced, the policyholders were able to get their treatment done only from the government hospitals. Later several private hospitals were empanelled where better infrastructure and facilities helped in improving the treatment process.
    • The Kerala Government has allocated ₹250 crores for this particular scheme. Therefore, beneficiaries can easily claim medicine charges, doctor’s fees, hospitalisation charges, important tests, ICU and operation costs, etc.
    • All the updated information is available in the official online portal, which can be used for Karunya Health Insurance registration as well. Here, applicants can also find the claiming procedure, network hospitals, and other necessary details.
    • You can check the hospital list and applicable dates on the website by choosing your location.

    These are some of the salient Karunya Health Scheme features.

    What are the benefits of the Karunya Health Insurance Scheme?

    Here are some compelling benefits of the Karunya Health Scheme that you need to know.

    • One of the key advantages of this scheme is that even if your treatment charges exceed the estimated amount, you will receive a reimbursement for that.
    • The scheme provides coverage for some of the critical diseases, for instance- 
      • Cancer
      • Kidney diseases 
      • Hemophilia
      • Heart diseases, transplant surgeries
      • Palliative care
      • Brain and liver surgery
      • Serious respiratory illness

    Also, note that the government provides monetary benefits up to ₹2 lakhs for such diseases. However, the amount can also be increased up to ₹3 lakhs, depending on the severity of your illness.

    Eligibility for Karunya Health Insurance Scheme

    The Government of Kerala has set certain eligibility parameters for the Karunya Health Insurance Scheme. For instance:

    • Only applicants below the poverty line can apply for the scheme. All the APL and BPL families with annual income below ₹3 lakhs will be eligible for this.
    • Those who are applying for this healthcare plan should keep the required documents handy.
    • The applicant must be a resident of Kerala in order to avail of these aforementioned benefits.

    Make sure to go through the Karunya Health Scheme eligibility criteria and check if you meet these parameters before considering the scheme.

    How to register for Karunya Health Insurance Scheme

    With easy access to internet facilities, applying for any health insurance scheme has become pretty convenient. In this case, you can easily apply through the official website launched by the Kerala Government. 

    Here are the steps you need to follow.

    Step 1: Visit the online portal at http://karunya.kerala.gov.in. to begin your application process.

    Step 2: Right on the home page, you will find a section called ‘How to Apply,’ click on it to download the application form.

    Step 3: Make sure to provide your details carefully and submit them along with the necessary documents.

    You can also use the ‘Application Tracking’ option to keep checking your application status. Alternatively, you can check your name on the ‘List of Beneficiaries’ option, available on the home page.

    Which documents should be submitted while applying?

    During the Karunya Arogya Insurance registration process, you will need to submit the following list of documents:

    • Identity proof: Some basic ID proof like an Aadhaar card and Voter ID will be required to prove that you are a Kerala resident.
    • Residential details: The original copy of your residential proof should be submitted.
    • BPL card: As this scheme is mainly for the underprivileged section of the society, applicants need to provide some evidence to justify that. And for the BPL cardholders, it is mandatory to submit the document while registering online to use the Karunya Health Insurance Scheme benefits.
    • Income certificate: Based on your annual income, the Kerala Government will decide whether you are eligible for the scheme or not. Therefore, make sure to keep all the documents containing your income details handy when you are applying for the healthcare plan.

    Apart from these, a copy of your Ration card, passport-size photo, and estimate of the total amount spent at the hospital, should also be submitted along with your application form.

    India’s healthcare system is slowly improving with the emergence of so many government-backed schemes and advanced infrastructure. Schemes like the Karunya Insurance plan ensure that people struggling to arrange funds for such expensive treatments can get proper assistance to get through such situations.

    However, you need to be a little technologically active in order to apply for the scheme and check all the necessary details available on their official website. So, go ahead, fill up your form, and make proper use of Karunya Health Scheme benefits.

    Frequently Asked Questions

    ✓ Is there any offline process to collect the Karunya Insurance Scheme application form?

    No, there is no offline process to collect the form. It is available in the Kerala Government portal http://karunya.kerala.gov.in, and you can easily download the PDF format from there.

    No, there is no offline process to collect the form. It is available in the Kerala Government portal http://karunya.kerala.gov.in, and you can easily download the PDF format from there.

    ✓ Will I receive a card after registering for this scheme?

    After assessing your income details and other eligibility requirements, the Kerala Government will issue a Karunya Insurance plan card, which you need to give at the hospital to take medical facilities.

    After assessing your income details and other eligibility requirements, the Kerala Government will issue a Karunya Insurance plan card, which you need to give at the hospital to take medical facilities.

    ✓ Can I get treatment for any pre-existing health condition under Karunya Health Insurance Scheme?

    Yes, as per this scheme’s policy, if applicants have been suffering from a pre-existing disease before applying for the scheme, they can still avail of the benefits.

    Yes, as per this scheme’s policy, if applicants have been suffering from a pre-existing disease before applying for the scheme, they can still avail of the benefits.

    Please try one more time!

    Request URL:
    Status Code:
    Request Payload:
    Response Data:

    Other Govt Schemes

    Ayushman Bharat Yojana PMJAY

    Central Government Health Scheme CGHS

    Aam Aadmi Bima Yojana

    Pradhan Mantri Suraksha Bima Yojana (PMSBY)

    Employee State Insurance (ESI Scheme)

    Dr YSR Aarogyasri Health Care Trust

    Yeshasvini Health Insurance Scheme

    West Bengal Health Scheme

    Chief Minister Comprehensive Health Insurance Scheme CMCHIS

    Employees and Journalists Health Scheme EJHS

    Janashree Bima Yojana

    Universal Health Insurance Scheme UHIS

    Show more

    More articles related to Health Insurance

    Deductible in Health Insurance

    Difference between Family Floater and Individual Health Insurance

    Cashless Health Insurance

    Sum Insured in Health Insurance

    Daily Hospital Cash Benefit

    Types of Health Insurance

    Pre-existing Disease Cover

    What is Copay in Health Insurance

    Cancer Insurance Cover

    TPA in Health Insurance

    Difference between Mediclaim Policy and Health Insurance

    Health Insurance Premium Calculator

    Difference between Term Insurance and Health Insurance

    COVID 19 Health Insurance

    Difference between Life Insurance and Health Insurance

    Waiting Period in Health Insurance

    What is Health Insurance

    Health Insurance Portability

    Digit Illness Group Insurance

    Best Health Insurance Policy in India

    State-Wise Quarantine Rules & Guidelines

    Day Care Procedures in Health Insurance

    No Room Rent Capping in Health Insurance

    Unlock 4.0 Guidelines

    Health Insurance for Diabetes Patients

    Health Insurance covering Cataract Surgery

    Health Insurance for Vector Borne Diseases

    Health Insurance with Free Annual Checkup

    Domiciliary Hospitalization in Health Insurance

    Government Health Insurance Schemes

    Sub-Limit in Health Insurance Policy

    Cooling-off Period in Health Insurance

    Loading in Health Insurance

    Pre and Post Hospitalization Expenses in Health Insurance

    GMC and GPA Policies in Health Insurance

    Indemnity Health Insurance

    Health Insurance for Disabled Persons

    Difference Between Waiting Period and Survival Period

    Types of Health Insurance Claims

    Health Tips & Guides

    Food Tips & Guides

    Nutrition Tips & Guides

    Weight Loss Tips & Guides

    Guides about different Diseases

    Health Insurance Tips

    Health Insurance for Smokers

    Comprehensive Health Insurance

    Buy Health Insurance on EMI

    Nominee in Health Insurance

    Grace Period in Health Insurance

    Health Insurance for Parents of NRIs

    Show more

    Download Health Insurance Policy Wordings

    Click here for Policy wordings | Digit Health Care plus policy - Benefit illustration

    View Instant Premium

    Switch to Digit Health Insurance

    close
    digit
    Health
    digit
    Super Top-Up
    digit
    Arogya Sanjeevani
    digit
    OPD Cover
    digit
    PA Cover
    digit
    Employee Cover

    Disclaimer #1: *Customer can choose options at the time of availing insurance. Premium amount may vary accordingly. Insured is required to disclose any pre-existing condition or on going treatment before policy issuance in the proposal form. 

    Disclaimer #2: This information is added only for informative purposes and collected from different sources across the Internet. Digit Insurance is not promoting or recommending anything here. Please verify the information before making any decisions.

    1. Digit Insurance
    2. Health Insurance
    3. Government Insurance Schemes
    4. Karunya Health Insurance Scheme

    Last updated: 2022-08-08

    Digit
    • about
    • contact
    • career
    Products
    • Car Insurance
    • Bike Insurance
    • Travel Insurance
    • Health Insurance
    • Property Insurance
    • Shop Insurance
    • Group Health Insurance
    • Arogya Sanjeevani Policy
    • Commercial Vehicle Insurance
    • Super Top-up Health Insurance
    • Flight Delay
    Resources
    • Blog
    • Press
    • Download Policy
    • Grievance Redressal Procedure
    • Cancel e-Mandate
    Agent & Partnerships
    • Become an Agent
    • Become Digit POSP
    • Garages claim intimation
    Services
    • Claims
    • Renewals
    • Digit Cashless Garages
    • Digit Cashless Hospitals
    Get our app
    Download man
    App Store Google Play

    Other Products
    • Fire Insurance
    • Burglary Insurance
    • Building Insurance
    • Bus Insurance
    • Tractor Insurance
    • Commercial Van Insurance
    • Passenger Carrying Vehicle Insurance
    • Heavy Vehicle Insurance
    • Goods Carrying Vehicle Insurance
    • Activa Insurance
    • Jupiter Insurance
    • Bullet Insurance
    Health Insurance Guides
    • Individual Health Insurance
    • Family Health Insurance
    • Health Insurance for Parents
    • Health Insurance Premium Calculator
    • Compare Health Insurance
    • Health Insurance for Senior Citizens
    • Health Insurance with Maternity Cover
    • Corona Kavach Policy
    • Corona Rakshak Policy
    • हेल्थ इन्शुरन्स
    • फैमिली हेल्थ इन्शुरन्स
    Car Insurance Guides
    • Third Party Car Insurance
    • Comprehensive Car Insurance
    • Zero Depreciation Car Insurance
    • NCB in Car Insurance
    • IDV Calculator for Car
    • Bumper to Bumper Car Insurance
    • Car Insurance Calculator
    • Own Damage Car Insurance
    • Comprehensive vs Third Party Insurance
    • Compare Car Insurance
    • Find Vehicle Registration Details Online
    Bike Insurance Guides
    • Third Party Bike Insurance
    • Comprehensive Bike Insurance
    • Zero Depreciation Bike Insurance
    • NCB in Two Wheeler Insurance
    • IDV Value Calculator for Bike
    • Add-on Cover in Bike Insurance
    • Bike Insurance Calculator
    • Own Damage Bike Insurance
    • Comprehensive vs Third Party Bike Insurance
    • Compare Bike Insurance
    • Royal Enfield Insurance
    • TVS Insurance
    • Hero Bike Insurance
    Other Guides
    • Types of Insurance
    • Types of General Insurance
    • Types of Motor Insurance
    • International Driving License
    • Visa on Arrival for Indians
    • Visa Free Countries for Indians
    • Comprehensive vs Zero Depreciation
    • Coronavirus Health Insurance
    • Coronavirus Symptoms Checker
    • Indian Passport Rank
    • Digit Illness Group Insurance
    • Hero Splendor Insurance
    • Access Insurance
    • Scooty Insurance
    Calculators
    • SME Buddy Calculator
    • Home Loan EMI Calculator
    • Bike Loan EMI Calculator
    • Car Loan EMI Calculator
    • HRA Exemption Calculator
    • Sukanya Samriddhi Yojana Calculator
    • SIP Calculator
    • RD Calculator
    • SWP Calculator
    • GST Calculator
    • PPF Calculator
    • Personal Loan EMI Calculator
    • EMI Calculator
    • Individual Income Tax Slab
    • Tax Saving Options other than 80C
    Finance Guides
    • What is Credit Score
    • Public Provident Fund
    • How to Open PPF Account?
    • How to open Sukanya Samriddhi Account
    • What is GST?
    • GST Registration in India
    • PAN Card
    • Aadhaar Card
    • Property Tax
    • Road Tax
    • Passport Process
    • Income Tax Slabs
    • How to Save Income Tax in India
    • Tax Deductions under Section 80C
    Traffic Rules
    • PUC Certificate
    • Vehicle Registration Certificate
    • New Traffic Fines
    • Fine for Driving without Helmet
    • Types of Driving Licence in India
    • Driving Licence in Delhi
    • Driving Licence in Bangalore
    • Driving Licence in Jaipur
    • Bangalore Traffic Fines
    • Pune RTO Fine
    • Own Damage Insurance
    Business Products
    • Business Insurance
    • Management Liability Insurance
    • General Liability Insurance
    • Workmen Compensation Insurance
    • Fidelity Insurance
    • Professional Liability Insurance
    • Money Insurance Policy
    • Sign Board Insurance
    • Plate Glass Insurance
    • Erection All Risk Insurance
    • Contractors' All Risks Insurance
    • Directors and Officers Liability Insurance
    • Marine Cargo Insurance
    • Contractors Plant and Machinery Insurance
    RTO Offices in India
    • RTO Office
    • RTO Pune
    • RTO Ahmedabad
    • RTO Bangalore
    • RTO Mumbai
    • RTO Delhi
    • RTO Lucknow
    • RTO Thane
    • RTO Chennai
    Important Links
    • Digit Insurance Reviews
    • Car Insurance Reviews
    • Bike Insurance Reviews
    • Commercial Vehicle Insurance Reviews
    • Travel Insurance Reviews
    • Health Insurance Reviews
    • Mobile Insurance Reviews
    • Become a Digit Partner
    • General Insurance Agent
    • Health Insurance Agent
    • Motor Insurance Agent
    Car Brands & Models
    • Maruti Insurance
    • Toyota Car Insurance
    • Tata Car Insurance
    • Hyundai Car Insurance
    • Kia Car Insurance
    • Mahindra Car Insurance
    • Tata Tiago Insurance
    • Tata Nexon Insurance
    • Hyundai i20 Insurance
    • Creta Insurance
    • Baleno Insurance
    Downloads Do Not Disturb (DND) Public Disclosures Investor Relations Stewardship Policy IRDAI Privacy Policy

    CIN: U66010PN2016PLC167410, IRDAI Reg. No. 158.

    Go Digit General Insurance Limited (formerly known as Oben General Insurance Ltd.) - Registered Office Address - 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, City Survey No.1579, Shivaji Nagar, Pune-411005, Maharashtra | Corporate Office Address - Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru-560095, Karnataka