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All About Karunya Health Insurance Scheme

Published On Feb 15, 2023 10:05 AM By InsuranceDekho

Karuna Arogya Suraksha Padhathi is a health insurance scheme launched by the state government to empower the weaker sections of society. The scheme was introduced in 2012 to provide high-quality medical care to the poverty-stricken segment of India. Under this health insurance plan, the total treatment expenses are directly settled with the network hospital. The plan provides coverage for most critical illnesses up to Rs. 5 lakhs. However, the policyholders may have to pay a certain amount, known as a premium, in exchange for coverage. Read on to learn more about Kaunya Arogya Suraksha Padhathi health insurance policy. 

Key Features of the Karunya Health Insurance Scheme

Karunya Health Insurance Scheme was established with the intention of providing coverage to people suffering from critical illnesses. Listed below are some key features of this government-initiated healthcare scheme: 

  • The policyholder can avail of high-quality treatment in both public and private network hospitals. 
  • Annual coverage upto Rs. 5 lakhs is provided to each family for their secondary and tertiary care. 
  • You can avail of cashless medical treatment facilities at the network hospitals. 
  • There are no age conditions and limitations to include the number of family members. 
  • There is no lock-in period to claim the policy for pre-existing diseases. This means that the policyholder can start claiming their policy from the first day of policy initiation. 
  • This health insurance plan is valid across the country. The insured can get treatment at any public or private network hospital in India. 
  • The scheme provides coverage for approx 1,573 medical procedures. Furthermore, medical treatment expenses such as physician fees, accommodation, surgical fees, ICU fees, and more are covered under the plan. 

Eligibility Criteria For Karunya Health Insurance Scheme

Any individual who satisfies the below-mentioned eligibility criteria can purchase the Karunya Health Insurance Scheme. 

  • The policyholder should be a resident of Kerala. 
  • Only economically indigent people are eligible to apply for this healthcare scheme. 
  • Any household with an annual income under Rs. 3 lakhs can purchase this health insurance plan. 

How Does Karunya Health Insurance Scheme Work? 

When the program first started in 2012, the only places where beneficiaries could receive medical care were government hospitals. However, numerous private hospitals were able to offer high-quality medical care after receiving accreditation. 

Kerala's government has set aside Rs. 250 crore to run the Karunya Health Insurance Plan. The policyholders can claim their policy to pay hefty medical bills. The policy covers treatment expenses occurring due to hospitalization, surgeries, medical tests, and others. You can visit the online Karunya Health Insurance portal for regular policy updates. 

Inclusions of the Karuna Health Insurance Scheme 

Listed below are some of the medical expenses covered under the Karuna Health Insurance Scheme. 

  • Coverage for medical consultation, diagnostics, and treatment
  • Three-days pre-hospitalization coverage
  • Post-hospitalization expenses up to 15 days after coverage
  • Diagnostic charges
  • Cost of implants coverage
  • Intensive and non-intensive healthcare services

Documents Required to Apply For Karunya Health Insurance Scheme

The documents needed to apply for the Karunya Health Insurance Scheme are listed below. 

  • Valid address proof (Voter ID or Aadhaar card)
  • Residence proof (Passport or Voter ID)
  • Income certificate to determine your annual income.
  • BPL card to prove that you belong to the unprivileged section of society. 
  • Ration card 
  • Passport-size photographs

How to Apply For Karunya Health Insurance Scheme? 

Anyone who meets the eligibility criteria can apply for the Karunya Health Insurance Scheme online. Here are the steps that you need to follow: 

  • Browse the official website of the Kerala Government. 
  • Click on “How to Apply” on the home page. 
  • Download the application form in PDF format. 
  • Fill out the application form thoroughly and attach all the necessary documents. 
  • Upload the form online on the portal. 

You can also visit the State Health Agency of Kerala to submit your form in person. Here’s the contact address for Karunya Health Insurance Scheme. 

State Health Agency Kerala (SHA),

5th and 8th Floor, Artech Meenakshi Plaza,

Opposite Government Women And Children's Hospital


Thiruvananthapuram, 695 014

Benefits of the Karunya Health Insurance Scheme

Here are some of the benefits of the Karunya Health Insurance Scheme: 

  • Cashless Treatment: Policyholders can use a cashless treatment facility if any member of their family suffers from a critical illness. You can visit any public or private network hospital and claim your Karunya Health Insurance policy to pay the medical bills. 

  • Wide Coverage: The plan provides coverage for all the members of the family without age restrictions. Furthermore, you can claim your health insurance plan for medical expenses, including intensive and non-intensive care, medications, investigational treatment, and more. 

  • Critical Illness Coverage: Critical illnesses such as cancer, cardiovascular disease, or any other can impact the individual financially. Therefore, the Karunya Health Insurance Scheme will provide you with coverage for any chronic disease, reducing your financial burden. 

  • Sum Insured: It is a version of the Ayushman Bharat Yojana implemented in Kerala. Each household with an annual income of up to Rs. 3 lakhs will be eligible for up to Rs. 5 lakhs to avail of health care facilities. 


Karuna Aarogya Suraksha Padhathi is a healthcare scheme introduced by the government to empower the lower class of society. Each family below the poverty line can get coverage up to Rs. 5 lakhs. You can visit the official website of the Kerala government to register yourself under this scheme. 

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This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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