The Karunya Health Scheme is an aspiring project launched by the government of Kerala to provide a health insurance for the under-privileged people within the state. The scheme was first launched on the 26th February 2012 with a pay out amount of INR. 110.62 crore to financially assist the 10,137 under-privileged civilians suffering from various chronic diseases. In the recent financial year, the government of Kerala allocated INR.250 crore towards the Karunya Health Scheme. Under this scheme, the government provides health benefits up to 2 lakhs at a minimum premium amount to the poor people who are suffering from acute ailments like Cancer, Hemophilias, Kidney, Heart diseases and for Palliative Care in Kerala. Under the scheme, the government has enrolled with various private & government hospitals to provide cashless treatment to the beneficiaries.
The Karunya Health Scheme is helpful for those people who are suffering from ailments and the cost of the treatment is unbearable to the lower and middle class people of the society. The treatment under the Karunya health scheme was initially provided through the government medical colleges & hospitals. But now private hospitals have also been empanelled in within the scheme. The funds for the scheme is being raised through the Kerala lottery and financial assistance is directly transferred to the empanelled hospitals where the patient is receiving treatment.
Via Benefits of Karunya Health Scheme
• The government will provide health covers up to 2 lakhs at a minimum premium amount to the poor people who are suffering from acute ailments like Cancer, Hemophilias, Kidney, Heart diseases and for Palliative Care in Kerala
• For some diseases like hemophiliacs, the assistance provided is up to Rs 3 lakh.
Eligibility for Karunya Health Scheme
• Applicant should be resident of Kerala
• Underprivileged people are eligible for this scheme
• Below poverty line and above poverty line people are also eligible for this scheme
Documents required for Eligibility for Karunya
• Aadhaar card
• Income certificate
Objectives of the scheme
- To provide financial assistance with regards to health treatment
- To main expensive health treatments more accessible to the poor and middle-class people
- To help fight life taking diseases
How to apply for Karunya Health Scheme
- Interested applicants must visit Karunya Health Scheme official site to complete the application procedure for the scheme
- Applicants must also check the status of their application by entering their reference number or file number on the official website
Conclusion
The scheme will help save the lives of the poor and middle-class people as well as provide them with first class health check-ups and save the lives of those in need and give them another chance to re-live their lives with their families and not have to worry about money issues and treatment costs to fight chronic diseases.