Jyothi Sanjeevini Scheme is a health insurance plan started by the Government of Karnataka to help state government employees and their families with treatment costs. This scheme covers expensive treatments and offers cashless services at selected hospitals. Here, you will find all the details about the Jyothi Sanjeevini Scheme 2025, including how to apply, list of hospitals, coverage, benefits, and eligibility.
About Jyothi Sanjeevini Scheme 2025
The Jyothi Sanjeevini Scheme 2025 is made to offer health insurance protection to Karnataka state government employees and their dependents. It mainly covers serious illnesses that require hospitalisation, surgery, or special therapy. Beneficiaries can get cashless treatment in empanelled super speciality hospitals under this scheme.
This scheme focuses on tertiary and emergency care in 7 main medical areas: cardiology, oncology, genitourinary surgery, neurology, burns, polytrauma (except medico-legal cases), and neonatal and paediatric surgery. You don’t have to register separately; just make sure your and your dependents’ details are updated in the HRMS database managed by the Department of Personnel and Administrative Reforms (DPAR).
Medical Specialities Covered
Under the scheme, more than 10,000 procedures across these specialties are covered:
- Neonatal and paediatric surgery
- Polytrauma cases (excluding medico-legal cases)
- Burns treatment
- Neurology-related treatments
- Genito urinary surgery
- Cancer treatments (oncology)
- Cardiology services
Main Details of Jyothi Sanjeevini Scheme
| Scheme Name | Jyothi Sanjeevini Scheme |
| Launched By | Government of Karnataka |
| Who Benefits | Karnataka State Government Employees |
| Purpose | Providing Health Insurance |
| Official Website | arogya.karnataka.gov.in |
| Applicable Year | 2025 |
| State | Karnataka |
| How to Apply | Online and Offline (updating HRMS database) |
How Beneficiaries Are Identified
Beneficiaries are identified using the government insurance policy number linked to the HRMS database. The Suvarna Arogya Suraksha Trust has access to this data, including details of the employee’s spouse, parents (including stepmothers if their income is below Rs 6000 per month and they live with the employee), and dependent children (biological, stepchild, or adopted). If a government employee is already covered by a similar government-sponsored health scheme, they cannot use this scheme.
Yashasvini Health Insurance Scheme
Accommodation & Charges Based on Salary
| Pay Range | Ward Type | Extra Charges |
|---|---|---|
| Up to Rs 16,000/month | General Ward | As per list |
| Rs 16,001 to Rs 43,200/month | Semi-Private Ward | 10% above General Ward |
| Above Rs 43,201/month | Private Ward | 25% above General Ward |
Facilities You Get in the Jyothi Sanjeevini Scheme
- Doctor consultation
- Pre-operation tests
- Ward charges
- Medicines
- Care for complications
- Food and consumables
- Transportation costs in case of death
- Diagnostic tests
- Procedure costs
- Hospital fees
- Post-hospital care up to 10 days with medicines
- Fixed upper limit for implants and stents (extra cost to be paid by patient if exceeded)
How the Scheme Works
The scheme is managed by Suvarna Arogya Suraksha Trust in assurance mode. Hospitals across Karnataka are empanelled to provide cashless treatment. Hospitals empanelled under the Vajpayee Arogyashree scheme are also part of this scheme. You can get cashless treatment except when you choose costly implants or a better ward type than your entitlement. In those cases, you pay the extra charges.
Why Jyothi Sanjeevini Scheme was Introduced
This scheme helps state employees avoid heavy medical bills by offering cashless treatment for serious health problems at empanelled hospitals. It covers seven major specialties requiring hospitalization and helps reduce financial stress during emergencies.
Karnataka Arogya Sanjeevini Scheme
Main Benefits and Features
- Health insurance for Karnataka government employees and dependents
- Cashless treatment at empanelled super speciality hospitals
- Covers tertiary and emergency care for 7 special medical fields
- SMS alerts once your treatment is approved
- No need for separate registration, just update your HRMS details
Who Can Apply?
- Permanent residents of Karnataka
- Currently working state government employees
- Pensioners are not covered
- Employees without KGID linked to HRMS are not eligible
- Police employees have a separate scheme and cannot apply here
Documents Needed to Apply
- Aadhar Card
- Ration Card
- Income certificate
- Residence certificate
- Passport size photo
- Mobile phone number
How to Register for Jyothi Sanjeevini Scheme
You don’t have to register separately for this scheme. Just make sure your and your dependents’ details are correctly updated in the HRMS database under e-governance (DPAR). When you go for treatment, carry your KGID number and Aadhar card for verification by the hospital staff.
Checking Network Hospitals
- Visit the official Suvarna Arogya Suraksha Trust website
- On the homepage, click on network hospital
- Select your district and hospital type
- See the list of network hospitals nearby
Viewing Benefit Packages
- Go to the official Suvarna Arogya Suraksha Trust website
- Click on benefit package on the homepage
- Choose scheme, hospital type, and speciality
- Submit to see details of the benefit packages
Checking Your Pre-Authorisation Status
- Visit the official website
- Click on know your preauth status
- Fill in the required details and submit to check your status
Viewing Dashboard
- Open the official website
- Select dashboard to see data related to the scheme
Seeing Hospital Capabilities
- Visit the official website
- Click on hospital capabilities
- Select district, taluk, hospital, speciality, and procedure
- Click search to see the hospital facilities
How to Login to SAST
- Go to the Suvarna Arogya Suraksha Trust site
- Click on SAST login
- Enter your user ID and password
- Click login to access your account
Contact Information
- Toll-free number: 18004258330
- Email: jss.sast@gmail.com
This updated guide gives you everything you need to know about the Jyothi Sanjeevini Scheme 2025. Make sure to keep your details updated and use this health insurance to lower your medical costs effectively.