Karunya Health Insurance Scheme: How to Apply, Eligibility, Benefits


The Karunya Health Insurance Scheme, initiated by the Kerala State Government, is a pioneering effort aimed at providing high-quality medical care to economically disadvantaged segments of society. This critical illness policy seeks to offer much-needed medical assistance to the financially deprived section of the community, covering a range of life-threatening conditions. By providing a nominal monthly subscription, the program ensures that millions of impoverished households gain access to comprehensive healthcare services worth Rs. 5 lakhs per annum. This essay delves into the objectives, benefits, eligibility criteria, and procedures of the Karunya Health Insurance Scheme, examining how it has transformed healthcare access in Kerala.

Background and Origin of the Karunya Health Insurance Scheme

The Karunya Health Insurance Scheme was developed by the Kerala State Government as a part of its commitment to providing equitable healthcare to all citizens. Recognizing the challenges faced by low-income individuals battling life-threatening conditions, the government sought to establish an inclusive insurance program. Inspired by the national Ayushman Bharat Yojana, Kerala’s version, known as KASP, aimed to offer financial relief and quality medical care to vulnerable households across the state. Funding for this insurance scheme came from the proceeds of the Kerala Lottery, ensuring a consistent and timely flow of funds for reimbursement to network hospitals.

Karunya Arogya Suraksha Padhathi Details in Highlights

Scheme name Karunya Health Insurance Scheme
launch year 2022
Launch by Kerala State Government
Benefits Health Insurance plans
Beneficiaries Citizens of Kerala State
Website karunya.kerala.gov.in

Objectives of the Karunya Health Insurance Scheme

The primary objective of the Karunya Health Insurance Scheme is to extend medical insurance coverage to the underprivileged sections of Kerala’s population. By providing a substantial sum of Rs. 5 lakhs per household annually, the scheme seeks to support hospitalization expenses in secondary and tertiary care settings. The focus is on individuals already struggling with critical illnesses, enabling them to access essential treatments and medical facilities without financial burdens.

Benefits of the Karunya Health Insurance Scheme

1) Comprehensive Coverage for Critical Illnesses: The Karunya Health Scheme acts as a critical illness insurance, catering to individuals with chronic diseases like cancer, hemophilia, palliative care, cardiovascular conditions, and nephrology. It provides financial assistance for the treatment of these acute diseases.

2) Maximum Treatment Benefit: Beneficiaries of the scheme can receive up to Rs. 2 lakhs for the treatment of covered illnesses. For severe illnesses, the maximum treatment benefit extends up to Rs. 3 lakhs.

3) Reimbursement for Exceeded Costs: If the medical expenses surpass the projected cost, the beneficiaries are eligible for reimbursement, ensuring that financial constraints do not hinder necessary treatments.

4) Integration of Private Hospitals: Initially limited to government hospitals, the program expanded its coverage to include private healthcare institutions, broadening the network of available medical services.

5) Comprehensive Medical Coverage: The scheme covers all major aspects of treatment, including examinations, consultations, pre-hospitalization expenses, medicines, non-intensive and intensive care, diagnostics, accommodation services, treatment-related complications, and up to 15 days of follow-up care after a hospital stay.

6) Transferable Family Benefits: The health insurance benefits of Rs. 5,000,000 are considered family assets, meaning that any family member can avail of these benefits as needed.

Eligibility Criteria for the Karunya Health Insurance Scheme

1) Kerala Residency: The recipient must be a citizen of Kerala to be eligible for the scheme.

2) Income Level: The program is primarily targeted at Below Poverty Line (BPL) individuals, but it is also available to Above Poverty Line (APL) households with an annual income below Rs. 3 lakhs.

3) Documentation: Applicants must possess essential documents such as Aadhaar cards, income certificates, and other necessary identification to enroll in the scheme.

Application Procedure and Required Documents

To participate in the Karunya Health Insurance Scheme, interested candidates can visit the official website of the Kerala government, https://sha.kerala.gov.in/ to find comprehensive information on the declaration, application form, claim procedure, and the list of network hospitals. Each member of the beneficiary family will receive a distinctive card, with at least five members of the family eligible for enrollment. The head of the household will be issued a single card. Essential documents such as Aadhaar card, voter ID, residential proof, BPL card, income certificate, ration card copy, passport-size photograph, and an estimate of medical expenses are required during the application process.

How to Apply

  • Applicants are required to begin the process by going to the Government of Kerala’s official website, which may be found at http://karunya.kerala.gov.in.
  • Following this, the candidate should navigate their way to the section under “How to Apply.”
  • When you click on the link, the application form will be available for download in PDF format.
  • Complete the application form to the best of your ability, and then send it to the appropriate government agency together with the other needed materials.


The Karunya Health Insurance Scheme stands as a testament to Kerala’s commitment to providing equitable healthcare to its citizens. By extending financial support and comprehensive medical coverage to economically disadvantaged households battling critical illnesses, the scheme has revolutionized healthcare access in the state. With its extensive network of government and private hospitals, the program has ensured that millions of vulnerable individuals receive timely and high-quality medical care without the burden of exorbitant expenses. The Karunya Health Insurance Scheme serves as a beacon of hope, transforming the lives of those in need and making significant strides toward a healthier and more inclusive society in Kerala.

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