If you are a permanent resident of the Kerala state then you will be eligible for the prestigious Karunya Arogya Suraksha Padhathi 2024. We will also share with you all the details related to the eligibility criteria that you need to follow to be a part of this prestigious scheme and around 40% of the population of Kerala will be eligible to get the benefit of this scheme and get cashless treatment so that they can continue their life in the Kerala state without having to worry about the financial differences that they are going through. You can also check out the details related to the step-by-step procedure that you need to follow to successfully check the hospital list in this scheme
About Karunya Arogya Suraksha Padhathi 2024
Karunya Arogya Suraksha Padhathi 2024 is a Health care scheme which will provide health insurance coverage of rupees 500000 per family per year for the secondary and tertiary care of hospitalization and around 42 lakh families will be covered through the implementation of this scheme. This scheme is covered in Kerala state and the bottom 40% of the population will be benefited through the development of this scheme. This is a very prestigious Kerala Healthcare Development Scheme. The health care scheme is presented directly by the Kerala Government and it will provide proper opportunities to the people who are otherwise not able to get hospital opportunities because of their financial background.
Also Read: Kerala MEDISEP Scheme
Features Of Karunya Arogya Suraksha Padhathi
There are a lot of features of the scheme and you can check out the features from the pointers given below:-
- The Health Insurance Scheme will provide 500000 rupees per family per year for secondary and tertiary care hospitalisation across the public and private hospitals in the Kerala state.
- Cashless treatment is provided to all the people who are admitted to hospitals.
- KASP – PMJAY envisions helping mitigate catastrophic expenditure on medical treatment.
- It covers up to 3 days of pre-hospitalization and 15 days of 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 of 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.
- Public hospitals are reimbursed for healthcare services at par with private hospitals.
Benefits Of Karunya Arogya Suraksha Padhathi
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
Comparison Between Old KBF (Taxes) and Revamped KASP-KBF (H&FWD)
You can check out the deductions and the additions which are made in the old scheme and the new scheme presented by the Indian government given below:-
| Scheme | Old KBF | KBF- after integration with PMJAY portal |
| Beneficiary application process | Application to be submitted to the District Lottery Officer of the patient district with the photos, ration card copy and family photo in front of the house. Only after getting the approval, the eligibility will be confirmed for treatment benefits. | Application can be directly submitted at the KASP hospitals and patients need to provide only the Ration card with the income proof and all the processing will be done through an IT integrated system |
| Benefits | Tertiary care (Rs. 2 lakhs), Kidney ailments (Rs. 3 lakhs), Medicines for the Kidney patients, Haemophilia patients – unlimited. 315 packages | Secondary and Tertiary care as per the KASP packages.1667 procedures under 26 specialities. All the packages include the hospitalization charges/day care sitting charges including the medicines for 15 days post discharge. Haemophilia patients are also taken care under the scheme. |
| Most utilized package and rate | Haemodialysis – Rs. 650 per session | Haemodialysis – Rs. 900 per session |
| IT integration | Mostly manual process with data entry into the portal after the application processing. Multiple touch points for beneficiaries to get the application processed. | With new IT integration with the National Health Authority portal, entire process will be digitalized and patients will have minimal waiting periods with paperless cashless treatment benefits. Also, Hospitals can raise the claims online and get the amount credited to the registered account within a defined timeline. |
| Hospitals Empaneled | 57 Hospitals and 26 dialysis centres | 742 Hospitals – 194 Public and 538 Private hospitals |
Procedures Available
The following medical treatments will be covered in the implementation of this prestigious scheme:-
| Procedure | No. of claims | Claimed amount |
| Dialysis | 91894 | 82563166 |
| Chemotherapy | 10850 | 138691198 |
| PTCA, inclusive of diagnostic angiogram | 2147 | 194885135 |
Statistics of Karunya Arogya Suraksha Padhathi
The candidates can check out the statistics of the scheme from the table provided below:-
| Districts | No. of beneficiaries | No. of claims | Claimed amount |
| ALAPPUZHA | 243 | 4790 | 19093521 |
| ERNAKULAM | 2012 | 16655 | 150836145 |
| IDUKKI | 77 | 2551 | 5144075 |
| KANNUR | 5114 | 47847 | 428063983 |
| KASARAGOD | 196 | 4351 | 16125383 |
| KOLLAM | 152 | 4174 | 10089723 |
| KOTTAYAM | 1795 | 7895 | 137972121 |
| KOZHIKODE | 3259 | 47748 | 235042285 |
| MALAPPURAM | 1274 | 38119 | 112727638 |
| PALAKKAD | 312 | 6338 | 29179992 |
| PATHANAMTHITTA | 217 | 6842 | 13114376 |
| THIRUVANANTHAPURAM | 3392 | 13812 | 215818254 |
| THRISSUR | 1742 | 19573 | 107084344 |
| WAYANAD | 184 | 11159 | 15392338 |
| 19969 | 231854 | 1495684178 |
Also Read: MEDISEP Hospitals List
Find Hospital Under Karunya Arogya Suraksha Padhathi 2024
If you want to find a hospital then you will have to follow the simple procedure given below:-
- You will first have to visit the Karunya Arogya Suraksha website of the scheme by clicking on the link give in here
- The home page will open on your screen.
- You have to click on the option called Hospital present on the menu bar
- A drop-down menu will open on your screen.
- You have to click on the option called Empanelled Hospitals
- A new page with the list of hospitals will open on your screen.
Contact Details
- State Health Agency Kerala (SHA),
- 5th and 8th Floor, Artech Meenakshi Plaza,
- Opposite Government Women And Children’s Hospital
- Thycaud,
- Thiruvananthapuram, 695 014
- Ph. No. 0471 4063121