All You Need to Know About Yeshasvini Health Insurance Scheme in Karnataka

All You Need to Know About Yeshasvini Health Insurance Scheme in Karnataka

Health insurance is an essential aspect of financial planning for families. In India, numerous health insurance schemes are available today. One of the most commonly known and affordable schemes is the Yeshasvini Health Insurance Scheme in Karnataka. With this health insurance scheme, thousands of people have been able to access quality healthcare at an affordable cost. In this article, we will explore everything you need to know about the Yeshasvini Health Insurance Scheme in Karnataka.

Overview of the Scheme

The Yeshasvini Health Insurance Scheme is a community-based health insurance scheme that provides coverage for farmers/yogakshema members, artisans, and aam aadmis (ordinary citizens). It was launched in 2003 by the Government of Karnataka in association with a few private hospitals in the state. The primary objective of the scheme is to provide affordable health insurance for all, irrespective of their socioeconomic status.

Eligibility Criteria

To avail benefits of the Yeshasvini Health Insurance Scheme, the following eligibility criteria must be fulfilled:

1. The applicant must be a resident of Karnataka.
2. The applicant should be above the age of 18 years.
3. Farmers/yogakshema members, artisans, and aam aadmis (ordinary citizens) can apply for the scheme.
4. The applicant must not be covered under any other health insurance scheme.
5. Only those who are economically weaker sections can avail the benefits of the scheme.

Benefits of the Yeshasvini Health Insurance Scheme

1. The scheme covers around 800 surgeries, including cancer surgeries.
2. It also covers diagnostic tests and other medical procedures.
3. The scheme can be availed at any of the empanelled hospitals across the state.
4. No initial deposit is required from the beneficiary to avail any benefit under the scheme.
5. The scheme includes pre and post-hospitalization expenses.

Enrollment Process for the Scheme

To enroll in the Yeshasvini Health Insurance Scheme, the following steps need to be followed:

1. Visit the official website of Karnataka Health and Family Welfare Department.
2. Register with necessary details such as name, mobile number, email ID, etc.
3. Download the application form and fill it with necessary details.
4. Attach the necessary documents such as PAN card, Aadhar card, etc.
5. Submit the form at the nearest taluk hospital or district hospital along with the required documents.

Claim Process under the Scheme

To claim the benefits under the scheme, the following steps need to be followed:

1. The beneficiary must visit the empanelled hospital and inform the hospital authorities that he/she is a Yeshasvini beneficiary.
2. The hospital authorities will verify the details of the beneficiary.
3. The hospital will then send the claim application to the nodal office.
4. The nodal office will then approve or reject the claim within three days.
5. The approved amount will be credited to the hospital directly.

Conclusion

The Yeshasvini Health Insurance Scheme has been a game-changer in providing affordable health insurance cover to the economically weaker sections in Karnataka. With its successful implementation, many other states in India have also started implementing similar schemes. The scheme has benefited thousands of people and encouraged them to seek medical treatment without worrying about the expenses. By availing the benefits of the Yeshasvini Health Insurance Scheme, we can ensure better healthcare facilities for all.