Awaz Health Insurance Scheme

As a healthcare service for migrant workers in its state, the government of Kerala has launched Awaz Health Insurance Scheme. It is a health insurance policy specifically for migrant workmen who work within Kerala. So if you are a migrant worker working in Kerala and need financial security against health risks, you could contemplate buying Awaz Health Insurance Scheme. Under this scheme, all the insured migrant workers shall be entitled to a free medical treatment of INR 15,000 at all government hospitals across Kerala. There are also certain empanelled private hospitals that will provide medical treatment to these injured workers. Awaz Health Insurance scheme also includes coverage for workers against accidents. Let’s read this page and know more about the features and benefits of this scheme.

Coverage Under Awaz Health Insurance Scheme

With this health insurance scheme, the following will be covered

1. Medical Treatment for any illness or injury capped at INR 15,000
2. Accidental Death coverage up to INR 2 lakh, so in case of death of any insured migrant worker, his/her nominee can claim this insurance amount under this Scheme by showing the valid death proof of the insured person.

How to Avail Awaz Health Insurance Scheme Benefits?

To avail of Awaz Health Insurance Scheme benefits, you need to visit any of the state government or partnered private hospitals to seek medical treatment. You need to show your Bio-metric Health Card and get cashless treatments.

Eligibility for Awaz Health Insurance Scheme

You can buy this health insurance scheme if you meet the following eligibility criteria.

1. Migrant Worker age is between 18-60 years
2. Identification Card recognized by the central or Kerala government such as Aadhaar Card, Election Card, Passport, Driving Licence, etc. These ID proofs should be produced at the time of getting enrolled in the Scheme.

Details to Fill in the Awaz Health Insurance Scheme Enrollment Form

You need to fill in the following details in your enrollment form:-

1. Aadhaar Card Number
2. Name of the migrant worker
3. Age of the migrant worker
4. Mobile number
5. Mother Tongue
6. marital status
7. Work experience in Kerala (in years/months)
8. Languages Known
9. Current Address in Kerala
10. Bank Account Number
11. Bank Name
12. IFSC Code
13. Branch Name
14. Mother name
15. Father name
16. Spouse name
17. Name of children (If children study in Kerala, mention their school name)
18. Type of Job
19. Designation
20. Wage Type (Per day/ Weekly/Monthly)
21. Wage Amount
22. Presently working or not
23. Documents such as Ration Card, Voter ID Card, etc.

Note– This is a free insurance scheme, which means there are no premium payments needed under this Scheme.