hamburger
×
Digit General Insurance Logo
Powered By Digit
Digit Health Insurance

9000+ Cashless Hospitals

Exclusive Wellness Benefits

What is Karunya Arogya Suraksha Padhathi (Karunya Health Insurance Scheme)?

What is the Karunya Health Scheme?

What are the Features of the Karunya Health Scheme?

The Karunya Health Scheme comes with many important features. Some of the prime features of the Karunya Health Scheme include:

Features

Description 

Initial Restrictions and Expansion

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.

Claimable Expenses

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.

Online Portal Information

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.

Hospital List

You can check the hospital list and applicable dates on the website by choosing your location.

Inclusive Healthcare Access

The program, which was first exclusive to government facilities, was expanded to authorised private hospitals, improving patient care through better infrastructure and facilities.

Government Allotment

To strengthen the state's healthcare system, the Kerala government has set aside ₹250 crores for the Karunya Health Insurance Scheme.

Cost Mitigation

By lowering the possibility of unanticipatedly large medical expenses, the program seeks to provide beneficiaries with financial assistance.

Comprehensive Coverage

Prescription medications and diagnostic tests are included in the plan's coverage for up to three days before and fifteen days after hospitalisation.

Comprehensive Medical Procedures

The services cover all associated costs for about 1,573 procedures. These include a wide spectrum of healthcare demands and include various costs.

These are some of the salient Karunya Health Scheme features.

What are the Benefits of the Karunya Health Insurance Scheme?

Critical Health Diseases Covered by Karunya Health Insurance Scheme

The Karunya Health Insurance Scheme provides coverage for some of the critical diseases, for instance:

Critical Disease

Description 

Cancer

A group of diseases characterised by the uncontrolled growth and spread of abnormal cells in the body. Tumours may be malignant (cancerous) or benign (non-cancerous), and treatment often involves surgery, radiation, chemotherapy, or targeted therapies.

Kidney Diseases

Conditions affecting the kidneys' ability to function properly. These can include chronic kidney disease (CKD), where the kidneys gradually lose function over time, and acute kidney injury (AKI), which is a sudden loss of kidney function.

Haemophilia

A rare genetic disorder where the blood doesn’t clot properly due to a deficiency in specific clotting factors. This can lead to excessive bleeding and difficulty in controlling bleeding after injuries or surgeries.

Heart Diseases, Transplant Surgeries

Heart diseases encompass various conditions affecting the heart, including coronary artery disease, heart failure, and arrhythmias. In severe cases, heart transplant surgery may be necessary to replace a failing heart with a healthy donor heart.

Palliative Care

Specialised medical care focuses on providing relief from the symptoms and stress of serious illness. The goal is to improve the quality of life for patients and their families by managing pain and other distressing symptoms, regardless of the stage of the illness.

Brain and Liver Surgery

Brain surgery involves operations on the brain to treat conditions like tumours, trauma, or epilepsy. Liver surgery can address issues such as liver cancer, cirrhosis, or liver transplants. Both types of surgery are complex and carry significant risks.

Serious Respiratory Illness

Conditions affecting the lungs and breathing, such as chronic obstructive pulmonary disease (COPD), severe asthma, or pulmonary fibrosis. These illnesses can significantly impact a person's ability to breathe and require ongoing medical management.

What are the Objectives Of Karunya Insurance?

The Karunya Insurance is launched for the welfare of people. Here are the main objectives of Karunya Insurance:

Objectives

Description

Financial Support

It helps people with life-threatening illnesses manage their medical expenses by providing financial support.

Ensuring Access to High-Quality Healthcare Services

The policy ensures that beneficiaries in Kerala will have access to high-quality healthcare services.

Supporting Healthcare Needs

It offers aid to people and families who are struggling to meet the costs of life-threatening illnesses.

Extensive Coverage

The policy provides broad coverage for a range of serious illnesses and medical procedures.

Cost-Effectiveness

It guarantees economically disadvantaged groups in society access to cheap healthcare, allowing them to focus on their recovery rather than the expense of care.

What Does the Karunya Health Insurance Scheme Cover?

Eligibility for Karunya Health Insurance Scheme

How to Register for the Karunya Health Insurance Scheme?

Which Documents Should be Submitted While Applying?

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

Document

Description

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 society, applicants need to provide some evidence to justify that. For 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.

How to Register for Karunya Health Insurance Card Online?

How to Find a Hospital Under the Karunya Health Insurance Scheme?

Hospitalisation Process Under the Karunya Health Insurance Scheme

Contact Details of Karunya Health Insurance Scheme

FAQs about Karunya Health Insurance Scheme