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What is the Yeshasvini Health Insurance Scheme by the Government of Karnataka?

What is the Yeshasvini Health Insurance Scheme?

When was the Yeshasvini Health Scheme Launched?

Features of the Yeshasvini Health Insurance Scheme

Before delving into the various benefits of the Yeshasvini Health Insurance Scheme, let’s first understand some of its salient features:

Features 

Description 

Availability

This scheme is available only in Karnataka and covers the entire state.

Membership Requirement

In order to avail of the benefits of this insurance plan, you must be a member of Karnataka’s Rural Co-operative Society for at least 3 months. This will make you the main member. Thereafter, all your family members will be able to enjoy the scheme benefits, regardless of themselves being the society’s member or not. Also, members of the Stree Shakti Group, fisherman cooperative societies, self-help groups, weavers, and Beedi workers conducting financial transactions with cooperative societies/banks can enroll under this scheme.

Contribution Charges or Premium

Every beneficiary of this scheme has to pay a fixed annual member contribution fee. The last updated contribution amount for Rural Yeshasvini is Rs. 500 for a family of four and and Rs. 100 for each fifth member, and that for Urban Yeshasvini is Rs. 1000 for a family of four members and Rs. 200 for each fifth member.

Enrollment Period

Every year, enrollment under this scheme remains open from July to October.

Operational Period 

The individuals enrolling within the mentioned period can avail of its benefits any time between 1st June and 31st May of the following year.

Benefits of the Yeshasvini Scheme

Now that you are aware of what the Yeshasvini Health Insurance Scheme entails, it is time to know about the various advantages you can enjoy once you make it through its requirements:

Advantages

Description

Cashless Benefits for Surgical Procedures

This scheme offers cashless benefits against approximately 823 surgical procedures at network hospitals.

Fixed Tariff for Specific Procedures

The scheme sets a fixed tariff to be paid by the insured against specific procedures, which is 40%-50% lower than the hospitals’ regular tariff.

Discounted Diagnostic Tests

Beneficiaries can also get specific diagnostic tests done at rebated prices under this insurance plan.

Reduced Rates for Hospital Stays

You can also avail of hospital stays at discounted rates at certain network hospitals under this scheme.

Covers Numerous Procedures

At some network hospitals, the health insurance plan offers cashless claim benefits for 1650 medical procedures.

Now, you might be wondering how a self-help scheme can provide such immense benefits.

The answer is in how the financial reservoir funding this scheme is maintained.

What is Yeshasvini Cooperative Farmers Health Care Trust?

Are You Eligible for the Yeshasvini Health Insurance Scheme?

It is important to register for the scheme to be eligible for it. Here is a list of eligibility requirements for this scheme you need to meet to enroll.

Eligibility Criteria  Description 
Age You must be under 75 years of age.
Membership As already mentioned, you must become a member of Karnataka’s cooperative societies at least 6 months 90 days prior to scheme commencement for successful enrollment. You can also enjoy scheme benefits if you are a family member of any such primary beneficiary.
Coverage You must not be a resident of rural areas under Karnataka Cities and Corporations.

These factors determine your eligibility for the Yeshasvini Health Insurance Scheme.

Who is Not Eligible for the Yeshasvini Health Insurance Scheme?

Which Medical Procedures are Covered Under the Yeshasvini Health Insurance Scheme?

Which Treatment Procedures are not Covered Under the Yeshasvini scheme?

How to Claim Yeshasvini Health Scheme?

What are the Documents Needed for Registration?

To enrol in the Yeshasvini Health Insurance Scheme, you typically need to provide the following paperwork:

Documents

Description

Age Proof

To verify that you are within the 18–60 age range for the scheme, you must present age proof, such as an Aadhaar card or birth certificate.

Certificates from rural or urban cooperative societies

To be eligible to join, you must present a local cooperative certificate as proof that you reside and work in Karnataka.

Address Proof

To assign your coverage effectively, they need formal documentation of your residence, such as an address proof paper. 

Caste Certificate

By submitting a caste certificate, you entitle them to any exclusive benefits or discounts that come with being a member of a particular community.

How Can You Register For Yeshasvini Health Insurance Scheme Online?

How to Get a Yeshasvini Health Card?

Network Hospitals Under Yeshasvini Health Scheme

Medical Packages Under Yeshasvini Health Insurance Scheme

There are many packages offered by the Yeshasvini Health Insurance Scheme. Check the list below to see the details of packages:

Specialty Code 

Procedure 

Number of Packages 

S1

General Surgery  

71

S4

Obstetrics and Gynaecology 

28

S11

Burns

8

S16

Dental and Oral and Maxillofacial Surgery 

3

S2

ENT

30

M1

General Medicine 

24

M8

Mental Disorders 

9

M2

Neonatal and Paediatrics 

37

S8

Neurosurgery 

1

S3

Ophthalmology 

11

S5

Orthopaedic 

56

S7

Urology 

12

S9

Interventional Neuroradiology 

15

S10

Plastic and Reconstructive Surgery 

9

S12

Cardiology 

35

S13

Cardiothoracic Surgery 

86

S6

Polytrauma 

4

M6

Radiation Oncology 

25

S15

Surgical Oncology 

48

M7 

Emergency Room

7

How to Find a Hospital Under Yeshasvini Health Insurance Scheme?

Hospitalisation Process Under Yeshasvini Health Insurance Scheme

Contact Details and Address of Yeshasvini Scheme Headquarters

FAQs about Yeshasvini Health Insurance Scheme