Many of these citizens still live in our nation today without access to even the most basic medical care because of poverty and financial limits. The Government of India has launched a number of schemes to give residents in underprivileged and backward parts of society improved access to health care.
The government of Kerala launched the Karunya Arogya Suraksha Padhathi scheme in this direction, through which the state’s most disadvantaged residents will get high-quality medical care. The Karunya Health Insurance Scheme offers insurance coverage to the state’s economically disadvantaged households for the treatment of critical illnesses. To learn more about this scheme such as benefits, eligibility, objectives, and registration process.
Overview Karunya Arogya Suraksha Padhathi
| Name of Scheme | Karunya Arogya Suraksha Padhathi |
| Launched By | State Government of Kerala |
| Beneficiaries | The State’s Poor and Economically Weaker Citizens |
| Objective | To Provide Coverage for Serious Illness to Poor People Requiring Health Insurance |
| Application Mode | Online |
| Website | https://sha.kerala.gov.in/ |
Karunya Arogya Suraksha Padhathi
The Kerala State Government launched the Karunya Arogya Suraksha Padhathi Health Insurance Scheme, which offers health insurance coverage to the state’s poor and economically disadvantaged residents who are afflicted with serious ailments. Through this scheme, residents with serious illnesses including cancer, hemophilia, renal disease, heart disease, etc are given financial support in the form of health insurance coverage in order to receive appropriate and high-quality care.
The eligible family receives Rs 5 lakh in yearly financial support under this state government scheme. The amount of financial help obtained under this scheme serves as the beneficiary’s medical coverage for hospitalization for secondary and tertiary treatment. The State of Kerala decided to combine all government-sponsored health care services, including RSBY
a combined federal-state scheme where premium costs are split 60:40, Comprehensive Health Insurance Scheme, Senior Citizen Health Insurance Scheme, and others. RSBY is a combined national scheme, and CHIS and SCHIS are fully sponsored state services .
Objective for Karunya Arogya Suraksha Padhathi
The primary goal of this portal is an organization administered by the Kerala State Government to give medical aid to the state’s poor residents. Poor persons with serious illnesses are given health insurance coverage under this scheme in order to receive high-quality care. For those state residents who live in poverty and are unable to pay for expensive healthcare for critical illnesses owing to a lack of resources, this scheme represents a ray of light.
Benefits for Karunya Arogya Suraksha Padhathi
The Benefits of this scheme are given below:
- The government is selling insurance under this scheme for the treatment of the covered disease that offers insurance up to Rs 2 lakh.
- In addition, the government increases the sum of this insurance to 3 lakh rupees if the severity of any sickness grows.
- The beneficiaries of this scheme will be given the appropriate amount of reimbursement if the costs incurred for the treatment of any major condition exceed the initial estimate.
- Under this scheme, at least 5 members of the beneficiary’s family may receive treatment. A unique card will be given to each person in addition to this.
Eligibility Criteria
The Eligibility Criteria for this scheme are given below:
- Candidates must be permanent residents of Kerala.
- Only BPL and APL families with a family yearly income of less than Rs 3 lakh would be considered eligible to apply under this scheme.
- Additionally, candidates will be required to provide their Aadhar card and income certificate as the two main papers while enrolling under this scheme.
Required Documents
The documents needed for this portal are given below:
- The applicant’s Aadhar Card or Voter ID
- Passport size photograph
- Income Certificate
- Residence Certificate
- Mobile number
Registration Procedure for Karunya Arogya Suraksha Padhathi
The actions listed below must be followed by the user in order to apply for a Scholarship:
- First You have to visit the Official website of the Karunya Health Insurance Scheme
- The homepage will be open on your display
- Click on the How to Apply option on the homepage
- The application form will be shown on your screen
- You have to download the application form in PDF format and take a printout of it
- Enter all the required details and attach all the documents to the application form
- You have to submit the application form to the concerned department.
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