The Government of Karnataka has launched the Health Insurance Scheme for the citizens of Karnataka state who are specially farmers by profession. The scheme name is Yeshasvini Health Insurance Scheme which is one of the most popular health insurance scheme plans for farmers in India. To get health insurance card for receiving benefit under health care Yojana the interested farmers can apply through official website at https://sahakarasindhu.karnataka.gov.in/. Further in this article we will discuss about this Scheme in details including Key Highlights, Objectives, Benefits & Features, Eligibility Criteria, Required Documents, Registration Procedure for Yeshasvini Health Insurance Scheme, etc.
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About Yeshasvini Health Insurance Scheme 2024
Former Chief Minister of Karnataka Mr. S. M. Krishna has launched Yeshasvini Health Insurance Scheme on June 1, 2003. This scheme is specially designed for the farmers who are members of the state cooperative societies. According to the report, there are around 13.74 million farmers in the State of Karnataka, many of whom do not even get proper healthcare. As we know that the farmers do not have any fixed income and they depend on irregular factors like weather, quantity of produce, sales, etc., for their income. In order to provide the necessary healthcare facilities to all the farmers at a very low cost. This scheme offers an annual sum insured of Rs. 5 Lakh.
Key Highlights of Yeshasvini Health Insurance Scheme
| Name of the Scheme | Yeshasvini Health Insurance Scheme |
| Launched By | Former Chief Minister of Karnataka Mr. S. M. Krishna |
| Launched Date | June 1, 2003 |
| State | Karnataka |
| Year | 2024 |
| Objective | To offer cost-effective, high quality healthcare |
| Beneficiaries | Farmers of the state |
| Benefits | Farmers will receive necessary healthcare facilities at a very low cost |
| Form of Benefit | Health Care Insurance |
| Mode of Registration | Online |
| Official Website | https://sahakarasindhu.karnataka.gov.in/page/YESHASVINI/en |
Karnataka Public Procurement Portal
Objectives of Yeshasvini Health Insurance Scheme
The objectives of the Yeshasvini Health Insurance Scheme are as follows:
- The primary objective of launching the Yeshasvini Health Insurance Scheme is to provide the necessary healthcare facilities to all the farmers at a very low cost.
- The objective of the Yeshasvini Health Insurance Scheme is to offer cost-effective, high-quality healthcare facilities throughout the state of Karnataka.
- The scope of coverage under this rural healthcare scheme majorly includes surgical procedures with a sum insured up to Rs 2.50 lakh.
Benefits & Features of Yeshasvini Health Insurance Scheme
Here we have provided some benefits & features under Yeshasvini Health Insurance Scheme, which are as follows:
- The Yeshasvini Health Insurance Scheme offers an annual sum insured of Rs. 5 lakh. Insured members can also avail cashless facilities in any of the network hospitals.
- The health insurance scheme provides cashless claim benefits for 1,650 diseases at select network hospitals. It also covers around 823 surgical procedures mentioned in the benefit package.
- One of the major advantages of this scheme is the fixed cost for certain medical treatments that are significantly lower than the standard costs.
- The costs of diagnostic tests are usually excluded from health insurance scheme. However, the beneficiaries can undergo these tests at a discounted rate.
- The scheme allows members to access treatment without paying upfront. You just have to show your card and the hospital bills the scheme directly.
- It’s very convenient as not to handle payments during a health crisis.
- To avail the benefit under this insurance plan you need to be a Karnataka Rural Co-operative Society member for at least three months. Then you’ll become the primary participant as a result of this.
- After that, regardless of whether they are society members, every member of your family will avail the benefits of the scheme.
- Participants in this programme may be Stree Shakti Group members, members of Self-Help Organisations, Co-operative Societies for fishermen, Weavers, or Beedi employees that transact with Co-operative Societies or banks.
- Members of Rural Co-operative Societies or SHGs must pay a premium of Rs. 500 for a family of four members and Rs. 100 each for the fifth member and onwards.
- Members of Co-operative Societies in urban areas must pay a premium of Rs. 1,000 for a family of four members and Rs. 200 each for the fifth member onwards.
Karnataka Raitha Samruddhi Yojana
Treatment Coverage under Yeshasvini Health Insurance Scheme
The following surgery & treatments are covered under the Yeshasvini Health Insurance scheme:
- Cardiac Arrest
- Orthopedic, Pediatric, Cardiothoracic Surgery
- General Surgery
- Gynecology Surgery
- Neonatal Intensive Care
- Obstetrics
- Ophthalmology Surgery
- Genito-urinary Surgery
- Surgical Oncology
- Vascular Surgery
- Neurological Surgery
- Dog bite
- Drowning
- Snake bite
- Accidents during operation of agricultural implements
- Normal Delivery
Treatment Not Covered under Yeshasvini Health Insurance Scheme
Some of the medical procedures are excluded under this scheme such as:
- Burns
- Diagnostic investigations
- Kidney Transplant
- Heart Transplant
- Cosmetic surgery
- Implants, prosthesis
- Skin treatment or grafting
- Dental Surgery
- Nasal Septum
- Inpatient medical treatment
- Chemotherapy
- Autoimmune diseases
- Joint replacement surgery
- Dialysis
- Road accidents
- Regular follow-up treatment and medico legal Cases
Eligibility Criteria
Given below are the eligibility criteria to apply for Yeshasvini Healthcare Insurance Scheme:
- Applicant must be a permanent resident of Karnataka.
- Applicant must be a farmer by profession.
- Individual below 75 years of age are eligible to apply for this scheme.
- An applicant should be a member of Karnataka Cooperative society at least three months prior to the application procedure.
- Spouse, parents and children can also avail the benefits of this scheme.
Required Documents
You need to submit the photocopies of the following documents to apply for Yeshasvini Healthcare Insurance Scheme:
- Age Proof
- Proof of Address
- An official document which shows that you are a member of Rural or Urban Cooperative Societies.
Karnataka Uchita Prayana Scheme
Registration Procedure for Yeshasvini Health Insurance Scheme
To register for Yeshasvini Healthcare Insurance Scheme, an individual should be a member of Rural or Urban Cooperative Societies at least three months prior to the registration procedure. New registration and membership renewal is done every year from May to June.
Procedure to Get Yeshasvini Health Card
To get Yeshasvini Health Card, please follow the below mentioned steps:
- Visit the Official Website at https://sahakarasindhu.karnataka.gov.in/page/YESHASVINI/en.
- Click on ‘Register for the Cooperative Society’ option.
- Then click on the ‘Apply Online for Yeshasvini Health Card’ link.
- Enter all the details in the online registration form and click on ‘Submit’ button.
- Once the submission is done, you will get your User ID and Password.
- Go to the ‘Home Page’ and login to the portal using your credentials.
- You will be redirected to Yeshasvini Health Card form.
- Fill up the form and finally, click on the ‘Submit’ button to complete the process.
Procedure to Claim Yeshasvini Health Insurance Scheme
To claim Yeshasvini Health Insurance Yojana, an individual should approach its network hospital and follow the given procedures:
- Visit a network hospital which comes under the scheme.
- Get in touch with a medical coordinating officer and provide all the relevant documents.
- Once the documents are verified, you need to pay the enrolment fee for medical tests.
- On the basis of diagnosis, if medical surgery is needed, a pre-authorization request will be sent to the Management Service Provider (MSP).
- The MSP will verify the request and provides approval for cashless treatment.
- Post-discharge, the hospital will send the discharge summary and bills to MSP for claim settlement.
Guarantee Scheme Survey App Online Download
List of Network Hospitals under Yeshasvini Health Insurance Scheme
There is no official figure for the number of network hospitals under the Health Care Scheme. However, there are estimated 900 hospitals that are part of this scheme which are as follows:
| District Name | Number of Network Hospitals Under Yeshasvini Scheme |
| Hassan | 20 |
| Haveri | 16 |
| Dakshina Kannada | 26 |
| Bangalore Rural | 7 |
| Raichur | 11 |
| Ramnagar | 11 |
| Davangere | 21 |
| Bellary | 8 |
| Belgaum | 49 |
| Chitradurga | 12 |
| Dharwad | 19 |
| Bangalore Urban | 16 |
| Mysore | 22 |
| Gulbarga | 16 |
| Bidar | 11 |
| Chikkaballapura | 8 |
| Bijapur | 23 |
| Mandya | 25 |
| Kolar | 11 |
| Koppal | 8 |
| Gadag | 8 |
| Chamrajnagar | 4 |
| Bagalkot | 44 |
| Chikmagalur | 7 |
| Kodagu | 5 |
| Udupi | 22 |
| Uttara Kannada | 18 |
| Tumkur | 27 |
| Shimoga | 22 |
FAQs
One of the major advantages of this scheme is the fixed cost for certain medical treatments that are significantly lower than the standard costs.
Individual below 75 years of age and should be a member of Karnataka Cooperative society at least three months prior to the application procedure.
The primary objective of the Yeshasvini Health Insurance Yojana is to offer cost-effective, high-quality healthcare facilities throughout the state of Karnataka.
Former Chief Minister of Karnataka Mr. S. M. Krishna has launched Yeshasvini Health Insurance Yojana on June 1, 2003.