Karunya Health Insurance Scheme 2023 - How to Apply, Eligibility, Benefits

Karunya Health Insurance Scheme 2023- How to Apply, Eligibility, Benefits: Poverty in India is an important cause of reducing India’s growth rate. Many people in India are Below the Poverty Line (BPL). They somehow manage to collect food for themselves for a day. Many people don’t even have a house to sleep in. After working a full day, they just sleep somewhere somehow. The government of India is trying their best, but all efforts are in vain as no positive results are coming. Also, reservation is a major cause of this poverty. These people just need to pass government exams, and seats with excellent salaries and other facilities await them. Also, many people living in rural and remote areas far away from the city can’t even go for medicine when they get sick. Somehow, a little doctor in the village will provide them medicine. They will get financial help if they want to treat diseases like this. We will let you know all about this Karunya Health Scheme.

Karunya Health Scheme

Here We will provide complete information on the Karunya Health Scheme, like How to Apply, the Benefits and the Documents Required.

What is the Karunya Health Scheme?

Many people can’t afford treatment for ailments like cancer, kidney and heart diseases, etc. We all have an idea about the cost of treating these diseases. Karunya Health Scheme in Kerala is a scheme for these people only. This scheme has been launched already. An amount of Rs 250 crores has been funded for Karunya Health Scheme. In this scheme, people will get financial help from the government to treat these diseases. An amount of Rs 2 lakhs will be given to each patient. There are many government colleges and hospitals in the state. These colleges and hospitals will provide the services, and patient treatment will be done here.

Eligibility For Karunya Health Scheme

The eligibility requirements for the Karunya Health Insurance Scheme are as follows: 
  1. The recipient has to be a citizen of Kerala.
  2. This scheme is only for people below the poverty line. All BPL and APL households with an annual income of less than Rs. 3 lakhs can join this insurance scheme.
  3. Applicants must have their Aadhaar card, income certificate, and other required documents to join this scheme.

Benefits Of the Karunya Health Scheme

The Karunya Health Insurance Scheme Benefits are as follows: 
  1. The Karunya Health Scheme in Kerala is a form of insurance for severe illnesses. This insurance helps people with long-term illnesses get the care they need. Acute diseases that are covered include cancer, haemophilia, palliative care, heart conditions, and kidney disease.
  2. This Scheme gives up to Rs. 2 lakhs to treat the health problems listed above. 
  3. This plan will pay the most for treating severe illnesses at Rs. 3 lakhs. If your medical bills are more than what was expected, you will get your money back.
  4. Health insurance has cost the government Rs.250 crore.
  5. Initially, this health scheme only paid for care at government hospitals, but eventually, private hospitals were also added. 
  6. The plan covers all the exam, treatment, and consultation costs. Pre-hospitalization, Medicines, Non-Intensive Care and Intensive Care, Diagnosis, Accommodation Services, Things that go wrong with treatment, and Up to 15 days of care after a stay in the hospital. 
  7. The benefits of Rs 5,000,000 are family assets that any family member can use.

Documents Required for Karunya Health Scheme:

  1. No extra documents are required to treat patients and apply to ailments like cancer, kidney and heart diseases and other diseases.
  2. You just have to show your income and property papers to confirm eligibility.
  3. All the patients who don’t have enough money are eligible for the benefit of the Karunya Health Scheme.
  4. They just need to reach the nearby hospital somehow.
  5. After reaching the hospital, it is the hospital's responsibility to check the patients and take the steps needed.

How to Apply for the Karunya Health Scheme?

  1. Visit this link first. https://sha.kerala.gov.in/
  2. Go to How to Apply and read the instructions carefully.
  3. Now, complete the form and complete the details with photos and other requirements.
  4. Submit the form. Now, you need to wait for a few days.
  5. Also, you can track the status of your application by clicking on Application Tracking.
  6. You can also check the list of hospitals near your house and the locality under the Karunya Health Scheme.

This scheme will surely help many people in need. But we need more schemes like this all over India. All over India, some people can’t afford a considerable amount of money. Because of this, many people die at an early age. Karunya Health Scheme is an excellent scheme for the people of Kerala.


Karunya Health Insurance Scheme 2023

Note: If there are any Corrections to the Data, kindly email us (Districtsinfo.com@gmail.com ). We will update our Website.

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