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Articles 901 views February 4, 2021
‘Health is wealth’ is a common saying that we hear around us. Considering the current times, taking care of our health should be our first duty. A health insurance policy takes care of our health in times of medical emergency, but unfortunately, many rural people are not aware of it. Yeshasvini Health Insurance Scheme is one of the biggest cooperative health care schemes launched by the Government of Karnataka to ensure the farmer cooperators of the state remain in good health. This insurance scheme is specially designed for the farmers who are members of the cooperative societies in Karnataka.
Launched by the former Chief Minister of Karnataka S. M. Krishna on June 1, 2003, the Yeshasvini Health Insurance Scheme became in its full effect from 2013 with revolutionizing the rural health care system. In 2014, it was extended to urban cooperative also. The main principle behind the launch of this scheme is “One for all and all for one.”
Here, we will talk about the features, reimbursement amount, contribution amount, etc. for the Yeshasvini Health Insurance Scheme. Keep reading to know more!
Table of Contents
What are those special features of the Yeshasvini Health Insurance Scheme that have made it so popular among the rural farmers who are members of the cooperatives across Karnataka? Well, you can check them below.
Other than the members of Rural Cooperative Societies, the following people are also eligible to become members under the Yeshasvini Health Insurance Scheme. Take a look!
Under the Yeshasvini Health Insurance Scheme, rural members can get cover for surgeries up to INR 1.25 lakh. This limit can be as high as INR 2 lakh if a member is undergoing multiple medical surgeries. On the other hand, urban members can enjoy coverage of up to INR 1.75 lakh for single admission, while it can be up to INR 2.50 lakh for multiple admission in the same year.
Now that you have information about the maximum converge amount under this scheme, you should also know the annual amount that a member needs to pay. We are showing them in the below table. Have a look!
Scheme Name | Annual Contribution Amount |
---|---|
Rural Yeshasvini Health Insurance Scheme | INR 250 |
Nagara Yeshasvini Health Insurance Scheme | INR 710 |
For Scheduled Caste / Scheduled Tribe Members (In Rural Scheme) | INR 50 (The remaining amount is a subsidy by the government) |
For Scheduled Caste / Scheduled Tribe Members (In Nagara Scheme) | INR 110 (The remaining amount is a subsidy by the government) |
It is important to know the facilities that members can enjoy with this scheme. We are showing all of them below. Do check!
Other than these, this scheme also provides several special benefits to the members. To know more about them, you can check below.
Yeshasvini Health Insurance Scheme does not reimburse members for a few specified medical procedures that are shown below.
To enjoy the healthcare benefits under the Yeshasvini Health Insurance Scheme, a member (who holds the unique health identification number) only needs to go to any of the 550 network hospitals. The hospital would then check your beneficiary details and see whether the surgery is covered under the scheme or not. After this, the hospital will seek authorization from the Management Services Provider (MSP) online. After getting the approval, the hospital will conduct surgery.