Yashasvini Health Insurance Scheme by Karnataka Govt: Eligibility, Benefits
Yashasvini Health Insurance Scheme2025: The Yashasvini Health Insurance Scheme is a government initiative designed to provide affordable healthcare to the economically disadvantaged, particularly rural workers and farmers, who often face challenges accessing quality healthcare due to high medical costs. To address this issue, the Government of Karnataka introduced the Yashasvini Health Insurance Scheme, which has become one of the most popular health insurance programs for farmers in the state.
This scheme aims to improve the health and well-being of citizens by reducing healthcare expenses, especially for those from rural areas. Through this program, farmers and their families can avail themselves of various medical services at an affordable cost. In the following article, we will explore detailed information about the Yashasvini Health Insurance Scheme, including its features, benefits, eligibility criteria, coverage, registration process, list of medical services covered, network hospitals, and much more.
Table of Contents
☰ Menu- Yashasvini Health Insurance Scheme 2025
- Yeshasvini Health Insurance Scheme Administration
- Features and Benefits of the Yashasvini Health Insurance Scheme
- Yeshasvini Health Insurance Scheme Financing
- Yeshasvini Health Insurance Scheme Eligibility Criteria
- Documents Required
- Coverage Provided by the Scheme
- List of Medical Services Covered by Yeshasvini Health Insurance Program
- Yeshasvini Health Insurance Scheme Exclusions
- Network Hospitals Included in Yeshasvini Health Insurance Scheme
- Steps to Register for Yeshasvini Health Insurance Scheme?
- Implementation Strategy for the Yeshasvini Health Insurance Scheme
- Implementing Steps for the Yashasvini Health Insurance Scheme
- Summary of Yashasvini Health Insurance Scheme 2025
Yashasvini Health Insurance Scheme 2025
The Yashasvini Health Insurance Scheme is a community-based medical insurance initiative aimed at supporting employees in Karnataka’s informal economy, particularly those from middle and lower-middle-income groups. Launched in 2003 by S.M. Krishna, the former Chief Minister of Karnataka, this scheme was designed to offer comprehensive coverage to farmers who are members of state cooperative organizations. The program is implemented in partnership with the Government of Karnataka and the Department of Cooperatives.
It utilizes the funds accumulated by cooperative societies through the Yeshasvini Trust to provide affordable healthcare services to rural, unorganized workers. The Yeshasvini Cooperative Health Care Trust, registered under the Indian Trust Act of 1882, is responsible for managing the program, which offers health coverage to individuals across more than 30 districts in Karnataka.
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Yeshasvini Health Insurance Scheme Administration
The administration of this program is described in full in the table below:
Feature | Particulars |
Department of Cooperation | Along with keeping an eye on the entrance of beneficiaries, it reviews the total publicity needed for the program. |
Cooperative societies | To Enroll beneficiaries in the scheme |
Network hospitals | To Provide all medical resources to program beneficiaries, with restrictions |
Management Support Service Provider (IRDA licensed) | oversees the resolution of claims and other administrative issues matters |
Yeshasvini Cooperative Farmers Health Care Trust Board | Meets once every three months to discuss key policy issues and to examine the distribution of funds under the scheme. |
Features and Benefits of the Yashasvini Health Insurance Scheme
The Yashasvini Health Insurance Scheme is exclusively available in the state of Karnataka, covering the entire state.
- Beneficiaries can enjoy discounted rates for various diagnostic tests under the insurance plan.
- To avail the benefits, you must be a member of the Karnataka Rural Co-operative Society for at least three months. After this period, you become eligible for the scheme’s benefits.
- Enrollment for the scheme is open annually from July to October.
- The scheme also offers reduced hospital stay costs at several network hospitals across Karnataka.
- The maximum age limit to purchase the policy for a newborn child is 75 years.
- Individuals who enroll during the designated period can avail themselves of the benefits from June 1st to May 31st of the following year.
Yeshasvini Health Insurance Scheme Financing
The Yeshasvini Co-operative Farmers Health Care Scheme is one of India's largest self-funded healthcare initiatives. Under this scheme, beneficiaries can access various health benefits by making small annual contributions, making it a contributory program. For the year 2013–14, the fixed annual contribution was set at Rs. 210.
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Yeshasvini Health Insurance Scheme Eligibility Criteria
The eligibility criteria for the Yashasvini Health Insurance Scheme are given in the table below:
Age Limit | People who are younger than 75 years old can apply for the program |
Period | Beginning on August 1 and ending on July 31 |
Eligible members | Before the start of the scheme’s first six months, a person can join a cooperative society. Members of rural cooperative societies Members of cooperative societies for weavers Self-help organizations addressing cooperative society Beedi Workers Cooperative Societies members Fisherman cooperative society members |
Availability | Even if they are not members of the rural cooperative society, the family members of the primary recipient are nonetheless entitled to receive benefits under this program. |
Coverage | Karnataka Cities and Corporations’ rural areas are not covered. |
Enrolment | The following information is provided regarding enrollment under this program: Every year, the Government of Karnataka’s Department of Cooperation releases enrolment and renewal rules. The enrollment of beneficiaries and premium collection is assisted by the Deputy Registrar of Cooperative Societies and Cooperative Development Officers, among others. The funds are sent from District Central Cooperative Banks to Apex Bank in Bangalore after being collected. In the first year, a letter was issued by the district registrar of cooperatives. Photo ID cards were distributed during the second year. Since 2008, main members have received enrollment paperwork for Unique Health Identification. Details about the primary beneficiary, his or her family, relationships, and other information are included in the enrollment form. |
Documents Required
The documents required for the Yashasvini Health Insurance Scheme are as follows:
- Age proof
- Address Proof
- A document attesting to a person’s membership in rural or urban cooperative societies
Coverage Provided by the Scheme
Farmers can receive coverage up to Rs. 2.5 lakh under the Yeshasvini Health Insurance Scheme for an annual premium payment of no less than Rs. 250. Farmers who participate in this program are covered for family members’ medical crises.
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List of Medical Services Covered by Yeshasvini Health Insurance Program
The Yeshasvini health program was put into place for the members of Urban & Rural Co-operative Societies, and it covers the following fees for surgery and treatment:
General Surgery | Gynecology Surgery |
Orthopedic, Pediatric, cardiothoracic Surgery | Cardiac Arrest |
Vascular Surgery | Obstetrics |
Neurological Surgery | Neonatal Intensive Care |
Normal Delivery | Dog bite |
Ophthalmology Surgery | Drowning |
Genito-urinary Surgery | Snakebite |
Surgical Oncology | Accidents during operation of agricultural implements |
Yeshasvini Health Insurance Scheme Exclusions
Any of the following medical procedures are not covered by the Yeshasvini Health Insurance Scheme.
Kidney transplant | Heart transplant |
Diagnostic investigations | Road accidents |
Burns | Vaccination or inoculation |
Dialysis | Skin treatment or grafting |
Cosmetic surgery | Cost of vitamins, or sanitary items |
Implants, prosthesis | Chemotherapy |
Dental surgery | Joint replacement surgery |
Post-surgery follow-up treatment | Inpatient medical treatment |
Network Hospitals Included in Yeshasvini Health Insurance Scheme
According to the Yeshasvini Co-operative Farmers Health Care Scheme, there are around 572 network hospitals. The number of network hospitals in Karnataka is displayed in the table below.
District Name | Number of network hospitals |
Hassan | 20 |
Dakshina Kannada | 26 |
Belgaum | 49 |
Haveri | 16 |
Raichur | 11 |
Bangalore Rural | 7 |
Davanagere | 21 |
Chitradurga | 12 |
Ramanagar | 11 |
Bellary | 8 |
Chikkaballapura | 8 |
Dharwad | 19 |
Bangalore Urban | 61 |
Mysore | 22 |
Gulbarga | 16 |
Bidar | 11 |
Gadag | 6 |
Bijapur | 23 |
Mandya | 25 |
Kolar | 11 |
Koppal | 8 |
Udupi | 22 |
Chamrajnagar | 4 |
Bagalkote | 44 |
Chikkamagalur | 7 |
Kodagu | 5 |
Shimoga | 22 |
Uttara Kannada | 18 |
Tumkur | 27 |
Steps to Register for Yeshasvini Health Insurance Scheme?
- The applicant must have been a member of the cooperative societies for at least three months to register for this program.
- Every year, from May to June, new enrollment for the Karnataka Yeshasvini plan is completed at all relevant corporative organizations.
Implementation Strategy for the Yeshasvini Health Insurance Scheme
When a beneficiary visits a Network Hospital, a coordinator verifies the beneficiary’s UHID card, collects the enrollment fee, and approves the initial diagnosis. If surgery is required, a pre-authorization request is submitted to the MSP for review. The application is then evaluated by medical experts. If approved, and within the predefined limits, the beneficiary can receive cashless treatment for the surgery. Once the treatment is completed, the network hospitals send the patient's signed bill summary and all relevant documents to MSP for claims processing. The Yeshasvini Health Insurance Scheme Trust makes payment to the network hospitals through MSP within 45 days of receiving the invoices.
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Implementing Steps for the Yashasvini Health Insurance Scheme
The Yeshasvini Health Insurance Scheme is implemented through a network of 730 hospitals, both public and private, that are recognized and authorized by the trust. These hospitals are part of the scheme under specific empanelment criteria, and the trust ensures that the network hospitals provide medical services to beneficiaries. The Management Support Service Provider (MSP) coordinates arrangements for cashless hospitalization at these network hospitals. The process for implementing the Yeshasvini Health Insurance Scheme involves the following steps:
- The beneficiary visits a hospital that is authorized by the trust under the Yeshasvini Health Insurance Scheme.
- The hospital's coordinating officer verifies the beneficiary's UHID card.
- The beneficiary is required to make an initial payment.
- The beneficiary undergoes an initial diagnosis and basic medical tests at the hospital.
- Based on the initial diagnosis, the hospital submits an online pre-authorization request to the MSP, along with necessary documentation.
- The MSP's doctors review the pre-authorization request and provide approval by the next day.
- The beneficiary receives cashless treatment at the network hospital, subject to the terms and conditions of the scheme.
- After the patient is discharged, the hospital submits the original invoices, discharge summary, and other medical documents to the MSP for claim processing.
- Within 45 days of receiving the documents, the trust, through the MSP, will settle the claim with the network hospital.
This process ensures that beneficiaries receive timely medical care with financial protection through the Yeshasvini Health Insurance Scheme.
Summary of Yashasvini Health Insurance Scheme 2025
The Yashasvini Health Insurance Scheme, launched by the Karnataka government, provides affordable healthcare to farmers and rural workers. It covers medical expenses up to Rs. 2.5 lakh with an annual premium of Rs. 250. Members of rural cooperative societies can avail cashless treatment at network hospitals, ensuring financial protection against health-related issues.
What is the Yashasvini Health Insurance Scheme?
A health insurance program aimed at providing affordable healthcare to farmers and rural workers in Karnataka.
Who is eligible for the scheme?
Members of rural cooperative societies and their families are eligible.
What is the maximum coverage under the scheme?
Coverage is up to Rs. 2.5 lakh per year.
How much is the annual premium?
The annual premium is Rs. 250 for farmers.
What medical services are covered?
The scheme covers surgeries, treatments for accidents, maternity care, and more.
Are there any exclusions?
Exclusions include cosmetic surgery, dialysis, kidney transplants, and dental treatments.
How do I enroll in the scheme?
Enrollment is available annually for members of cooperative societies, from July to October.
What documents are required for enrollment?
Age proof, address proof, and proof of membership in a cooperative society.
How do I avail of medical treatment?
Visit a network hospital, present your Unique Health ID card, and avail cashless treatment.
How many hospitals are part of the network?
Over 570 hospitals across Karnataka are part of the network for cashless treatment.
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