The Karunya Health Insurance Scheme is a special program from the Kerala State Government to support people who can’t afford costly medical treatments. This scheme provides health insurance coverage to poor families so they can access good healthcare without worrying about high expenses. In this article, you’ll find out how to apply for the Karunya Health Insurance Scheme, who is eligible, the benefits it offers, and the documents you need.
Karunya Health Insurance Scheme 2025
This scheme helps poor families in Kerala by offering them medical care with yearly coverage of Rs. 5 lakh per household. The Kerala government runs it, and it’s funded through Kerala Lottery proceeds. The Karunya Health Scheme is similar to the national Ayushman Bharat Yojana and aims to cover over 42 lakh at-risk families in Kerala.
Families enrolled can receive treatment at any government or private hospital within Kerala. The government has set up a special website, karunya.kerala.gov.in, where you can find detailed information about how to apply, claim processes, and the list of hospitals covered under the scheme. Each family will get a special health card, which can be used by up to five members, and the head of the family will have a unique card.
The scheme covers treatment for serious health issues like cancer, heart disease, kidney problems, hemophilia, and other major illnesses.
Main Details of Karunya Arogya Suraksha Padhathi
| Scheme Name | Karunya Health Insurance Scheme |
| Launch Year | 2024 |
| Launched By | Kerala State Government |
| Benefits | Health Insurance Coverage |
| Beneficiaries | People of Kerala State |
| Official Website | karunya.kerala.gov.in |
Main Objectives of Karunya Health Insurance Scheme
This scheme was started to provide health insurance for poor Kerala citizens who already have serious illnesses. Each household that joins can get up to Rs. 5 lakh every year for hospitalization in secondary and tertiary care facilities.
Main Benefits of Karunya Health Scheme
- This is critical illness insurance helping those with long-term and serious diseases get treatment.
- It covers diseases like cancer, hemophilia, cardiovascular diseases, kidney issues, and palliative care.
- You can get up to Rs. 2 lakh for treatment of these diseases and up to Rs. 3 lakh for other serious illnesses.
- If your medical bills go beyond expectations, the extra amount will also be reimbursed.
- The government has invested Rs. 250 crore in this health insurance scheme.
- Initially, only government hospitals were covered; now private hospitals are included as well.
- Costs for exams, medicines, treatments, pre- and post-hospital care (up to 15 days), diagnostics, intensive and non-intensive care, and hospital stay are covered.
- The Rs. 5 lakh coverage is per family and can be used by any member of that family.
Who Can Apply for Karunya Health Insurance Scheme?
- You must be a resident of Kerala state.
- Only families below the poverty line (BPL) or with annual income below Rs. 3 lakh are eligible to apply.
- Applicants need to have valid Aadhaar, income certificate, and other required documents.
Documents You Need to Apply
- Identity proof such as Aadhaar Card or Voter ID showing Kerala residency.
- Residence proof.
- BPL Card or proof of income.
- Income certificate to confirm annual earnings.
- Additional documents like ration card copy, passport size photo, and estimated treatment cost documents.
- Contact details including mobile number.
How to Apply for Karunya Health Insurance Scheme
- Visit the official Kerala government website karunya.kerala.gov.in.
- Look for the ‘How to Apply’ section and download the application form in PDF format.
- Fill out the form carefully and submit it along with the required documents to the appropriate government office.
Contact Information for Karunya Health Scheme
If you have questions or need help, you can call the Karunya Health Scheme helpline at (0471) 3230-448 or 449. You can also email karunyabf@gmail.com for support.