Yashasvini Health Insurance Scheme by Karnataka Govt: Eligibility, Benefits

Yashasvini Health Insurance Scheme:- State governments all around the nation have made continuous efforts to provide high-quality healthcare to the general public, especially the economically disadvantaged segment of the population. Due to the cost, rural workers and farmers are denied access to healthcare services. Therefore, numerous government initiatives have been developed to improve citizens’ health and lower medical costs.

The Government of Karnataka’s Yeshasvini Health Insurance Scheme is one such program. It is one of the most often used forms of health insurance for Indian farmers by the Karnataka government. Read the post below to get detailed information related to the Yeshasvini Health Insurance Scheme like Features and Benefits, Eligibility Criteria, Coverage provided, Registration, List of Medical Services Covered, Network Hospitals Included, and much more.

Yashasvini Health Insurance Scheme 2024
The Yashasvini Health Insurance Scheme is a community-based medical insurance program to assist employees in Karnataka’s informal economy who fall into the middle and lower-middle income brackets. S.M. Krishna, a former chief minister of Karnataka, introduced the Yeshasvini Health Insurance Scheme in 2003 to provide complete coverage to farmers who are members of the state cooperative organizations. This program is carried out in collaboration with the Government of Karnataka by the Department of Cooperatives. It makes use of the money earned by cooperative societies through the Yeshasvini trust to provide the rural unorganized workers with affordable access to the necessary healthcare facilities.

Features and Benefits of the Yashasvini Health Insurance Scheme

Some of the main Features and Benefits of the Yashasvini Health Insurance Scheme are as follows:

• The entire state of Karnataka is covered by this program, which is only offered there.
• Under this insurance plan, beneficiaries can also receive discounted rates for several diagnostic tests.
• For at least three months, you must be a member of the Karnataka Rural Co-operative Society to be eligible for the benefits of this insurance plan. You will then become the key player.
• Enrollment is available under this program from July through October each year.
• Under this program, you can also take advantage of hospital stays at reduced costs at several network hospitals.
• A person’s maximum age to purchase the policy for a newborn child is 75 years old.
• Those who enlist during the specified time may use the benefits at any point between 1 June and 31 May of the succeeding year.
  

  Implementing Steps for the Yashasvini Health Insurance Scheme

  The Yeshasvini Health Insurance Scheme is being implemented by 730 network hospitals with ties to the trust. Both public and private hospitals are included. The trust authorizes the network hospitals to provide medical services under the empanelment standards. Through these 730 network hospitals, the Management Support Service Provider (MSP) makes arrangements for cashless hospitalization. The following steps are involved in implementing the Yeshasvini Health Insurance Scheme:

  • A network hospital that the trust recognizes and authorizes is visited by the Yeshasvini beneficiary.
  • A network hospital coordinating officer will check the beneficiary’s UHID card.
  • The enrolling party is required to pay a charge.
  • The patient must then go through an initial diagnosis and a few fundamental medical tests.
  • The network hospital will submit an online pre-authorization request to the MSP with supporting documentation based on the initial diagnosis.
  • The request will be examined by doctors chosen by the MSP, and approval will be issued the next day.
  • The network hospital will offer the beneficiary cashless treatment while taking into account the restrictions outlined in the program.
  • The network hospital will send the MSP the original invoices, discharge summary, and other medical records after the patient is discharged to settle the claim.
  • Within 45 days of receiving the documentation, the trust will resolve the claim with the network hospital through the MSP.