Arogya karnataka, Yashasvini & Jyothi Sanjivini
Karnataka Government offers a variety of healthcare schemes. From a farmer, state government employee, APL or BPL cardholder, the state government offers multiple schemes to cover major illness and hospital bills.
This guide breaks down Karnataka’s top government health schemes, eligibility rules so that you know what to expect before planning an admission.
1. Arogya Karnataka
Arogya Karnataka works with central PM-JAY schemes to provide unified healthcare to resident across the state.
Coverage- Arogya Karnataka covers expenses up to Rs. 5 lakh per year per family for BPL families. APL families received a subsidy of 30% copayment (up to Rs. 1.5 lakh annually).
Where It Works: This scheme works in all government hospitals and registered private Arogya Karnataka empanelled hospitals across the state.
Key Requirement: Beneficiaries are required to have a referral card from a PHC or district hospital before a planned admission for a cashless treatment.
2. Yashasvini Health Insurance Scheme (For Farmers & Co-operative Members)
Yashasvini covers members of Karnataka's co-operative societies for hundreds of surgical procedures. The aim is to protect rural agriculture workers.
Eligibility: This scheme requires the beneficiary to be registered with rural or co-operative society at least 3 to 6 months prior to a planned surgery.
Coverage Limits: Subsidized and cashless surgical packages up to ₹5 Lakh for major surgeries, including orthopedic implants, cardiac procedures, and laparoscopic care.
Key Benefit: Covers surgical expenses, daily bed charges, and post-operative care without complex commercial insurance approvals.
3. Jyothi Sanjeevini Scheme (JSS) (For Karnataka State Government Employees)
The scheme is designed for state government workers, pensioners and their dependent family members.
Coverage: Comprehensive cashless treatment for 7 major tertiary specialties (Cardiology, Oncology, Neurology, Nephrology, Polytrauma, Burns, and Neonatal Care).
Room Entitlement: Room categories (General Ward, Semi-Private, Private Single Room) are auto-assigned based on the employee's pay scale grade.
No Referral Needed for Emergencies: Direct cashless admission at top network hospitals across the state.
Always audit your medical bill with Empaar before you pay. You can search for the health schemes relevant to your eligibility and geographical location only at Empaar.