Karunya Arogya Suraksha Padhathi (KASP) Kerala

Organisation : Kerala Government
Facility Name : Karunya Arogya Suraksha Padhathi (KASP)
Applicable State/UT : Kerala
Website : http://karunya.kerala.gov.in/

What is Karunya Arogya Suraksha Padhathi (KASP)?

KASP, full form Karunya Arogya Suraksha Padhathi, initiated by the Kerala Government in 2012, is a critical illness plan designed to offer health insurance coverage to individuals facing financial constraints and suffering from critical illnesses. Under this scheme, enrolled families are entitled to receive an annual coverage of ₹5 lakh for secondary and tertiary care hospitalisation.

Related / Similar Facility : Kerala Ksheerasree Portal

Features of Karunya Arogya Suraksha Padhathi

** Health care scheme fully financed by the government.
** It provides a cover of Rs. 5 lakhs per family per year for secondary and tertiary care hospitalization across public and private empaneled hospitals.
** KASP – PMJAY provides cashless access to health care services for the beneficiary at the point of service, that is, the hospital.
** KASP – PMJAY envisions to help mitigate catastrophic expenditure on medical treatment.
** It covers up to 3 days of pre-hospitalization and 15 days post-hospitalization expenses such as diagnostics and medicines.
** There is no restriction on the family size, age or gender.
** All pre-existing conditions are covered from day one.
** Benefits of the scheme are portable across the country i.e. a beneficiary can visit any empanelled public or private hospital in India to avail cashless treatment.
** Services include approximately 1,573 procedures covering all the costs related to treatment, including but not limited to drugs, supplies, diagnostic services, physician’s fees, room charges, surgeon charges, OT and ICU charges etc.

Eligibility Criteria For Karunya Arogya Suraksha Padhathi

To avail of the benefits offered by the Karunya insurance scheme, applicants must meet specific criteria:

Residency:
Applicants must be residents of Kerala.

Income:
Families falling under Above Poverty Line (APL) or Below Poverty Line (BPL) categories with an annual income of less than ₹3 lakh are eligible.

Documentation:
Applicants must provide their Aadhaar card, income certificate, and other relevant documents during the enrollment process.

How to Register for Karunya Arogya Suraksha Padhathi?

** Visit the online portal of Karunya Kerala.
** Click on ‘How to Apply.’
** Download the KASP scheme’s application form in PDF format.
** Fill in the details and submit the application form along with the necessary documents.
** Once your application is approved, you can opt for the KASP insurance card download.

Benefit Cover Under Karunya Arogya Suraksha Padhathi

Benefit cover under various Government-funded health insurance schemes in India have always been structured on an upper ceiling limit ranging from an annual cover of INR30,000 to INR3,00,000 per family across various States which created a fragmented system. KASP – PMJAY provides cashless cover of up to INR5,00,000 to each eligible family per annul for listed secondary and tertiary care conditions. The cover under the scheme includes all expenses incurred on the following components of the treatment.

** Medical examination, treatment and consultation
** Pre-hospitalization
** Medicine and medical consumables
** Non-intensive and intensive care services
** Diagnostic and laboratory investigations
** Medical implantation services (where necessary)
** Accommodation benefits
** Complications arising during treatment
** Post-hospitalization follow-up care up to 15 days

Note:
The benefits of INR 5,00,000 are on a family floater basis which means that it can be used by one or all members of the family. The RSBY had a family cap of five members. However, based on learning’s from those schemes, KASP – PMJAY has been designed in such a way that there is no cap on family size or age of members. In addition, pre-existing diseases are covered from the very first day. This means that any eligible person suffering from any medical condition before being covered by KASP – PMJAY will now be able to get treatment for all those medical conditions as well under this scheme right from the day they are enrolled.