The health care program Karunya Arogya Suraksha Padhathi Scheme (KASP) seeks to give over 42 lakh impoverished and vulnerable families—roughly 64 lakh beneficiaries—that make up the bottom 40% of Kerala’s population health coverage of rupees 5 lakhs per family annually for secondary and tertiary care hospitalization. RSBY (Central and State Government combined scheme, where the premium is shared in the ratio 60:40), Comprehensive Health Insurance Scheme-CHIS (Kerala government fully sponsored scheme, i.e., full premium paid by the State),
and Senior Citizen Health Insurance Scheme-SCHIS (supplementary coverage of rupees 30,000 per beneficiary for all senior beneficiaries aged 60 years and above in the RSBY/CHIS families) are the three government-sponsored health care programs that the State of Kerala has chosen to combine. In this article we will provide you with all the information about this program.
Rs 300 Cr Allocated Under Karunya Arogya Suraksha Padhathi
An extra rupees 300 crore has been set aside by the Kerala government for Karunya Arogya Suraksha Padhathi (KASAP), an integrated health protection program that will cover more than 64 lakh vulnerable and impoverished individuals in the state. According to the state finance minister, the total money set aside for the flagship program in the current fiscal year has increased to rupees 978.54 crore with this additional allocation. Government sources state that KASAP seeks to give over 41.99 lakh vulnerable and impoverished families—roughly 64 lakh beneficiaries—a health coverage of rupees 5 lakh per year. These families make up the bottom 40% of Kerala’s population.
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Objective of Karunya Arogya Suraksha Padhathi Scheme
The Karunya Arogya Suraksha Padhathi (KASP) program seeks to give low-income Keralan families financial support for medical care. In 2019, the program was introduced by the government of Kerala for the welfare of citizens. KASP’s goal is to ensure that everyone has access to health insurance in the state . The program will lessen the financial strain caused by medical expenses. The program will also ensure that every citizen has access to fair healthcare. The scheme will also offer financial support for severe illnesses and medical disorders.
Helpful Summary Of Karunya Arogya Suraksha Padhathi Scheme
| Name of the program | Karunya Arogya Surasha Padhathi Yojana |
| Launched by | The Government of Kerala |
| Beneficiaries | The citizens of the state |
| Benefits | The program will provide financial assistance for healthcare |
| Year | 2025 |
| Application mode | Online |
| Official website | https://sha.kerala.gov.in/karunya-arogya-suraksha-padhathi/ |
Eligibility Criteria
The eligibility criteria for applying under this program are given below:-
- The applicant should be the permanent resident of Kerala.
- The applicant should belong to the below poverty line family.
- The applicants annual income should not exceed 3 lakh rupees for receiving the benefits of this program.
Financial Benefits
The applicant will receive the healthcare benefits up to rupees 5 lakh under this program.
Required Documents
The documents Required for applying Under this program are given below:-
- Aadhar card
- PAN Card
- Domicile Certificate
- Bank account details
- Residential proof
- Mobile number
Salient Features
The salient features of this program are given below:-
- Cashless care: At hospitals and healthcare facilities that have partnered with KASP, KASP directly pays for treatment expenses.
- Comprehensive coverage: Major surgeries, cancer treatments, and organ transplants are just a few of the medical procedures that KASP covers.
- Financial support: In the event of a serious sickness, policyholders can receive financial support from KASP.
- Benefits are transferable: KASP benefits are transferable throughout the nation.
- Pre-existing conditions: From day one, every pre-existing condition is covered.
- No limitations on family size, age, or gender: Neither the size of the family nor the members’ ages or genders are subject to any limitations. KASP provides coverage for up to three days of pre-hospitalization costs and fifteen days of post-hospitalization costs.
Application Process
To apply online you need to follow the below given procedure step by step:-
Step 1:- first of all visit the Karunya Arogya Suraksha Padhathi website of the program for the online application process.
Step 2:- on the home page of official website you need to click on the apply now button.
Step 3:- after this you will be redirected to the new page and there you need to provide all the relevant information.
Step 4:- now you need to click on the submit button to complete your process.
Search Empanelled Hospitals List
You need to follow the below given procedure to initiate the process of searching empanelled hospital list:-
Step 1:- first of all visit the official website of the program to search for the empanelled hospital list.
Step 2:- on the home page You need to scroll down and click on the to know more about the hospital list.
Step 3:- by following this procedure the empanelled hospital list will be displayed on your screen.
Helpline Number
- Phone No:- 0471 4063121
FAQS
What is the Karunya Arogya Suraksha Padhathi scheme?
It’s a welfare program launched for the citizens of Kerala. The applicants will receive healthcare benefits under this program.
What is the eligibility criteria for applying under this program?
The applicant should be the permanent resident of Kerala.
What are the benefits of this program?
The applicants will receive financial assistance to take care of their health Under this program.
Cam I apply online for this program?
Yes you can apply online by visiting the official website of the program.