Karnataka Yeshasvini Health Insurance Scheme: State governments across the country have worked tirelessly to provide high-quality healthcare to the general public, particularly the economically disadvantaged. Rural workers and farmers are denied healthcare services due to the high cost. As a result, numerous government initiatives have been launched to improve citizens’ health and reduce medical costs. Yeshasvini Health Insurance Scheme, run by the Karnataka government, is one such program. It is one of the most popular forms of health insurance for Indian farmers, according to the Karnataka government. Read the post below to get detailed information about the Yeshasvini Health Insurance Scheme, such as 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 for employees in Karnataka’s informal economy who earn between the middle and lower-middle income levels. S.M. Krishna, Karnataka’s former chief minister, established the Yeshasvini Health Insurance Scheme in 2003 to provide comprehensive coverage to farmers who are members of state cooperative organizations. The Department of Cooperatives implements this program in collaboration with the Government of Karnataka. It uses funds raised by cooperative societies through the Yeshasvini trust to provide rural unorganized workers with affordable access to necessary healthcare services. The Yeshasvini Cooperative Health Care Trust, which is registered under the Indian Trust Act of 1882, manages the program, which covers people in more than 30 districts of Karnataka.

Features and Benefits

• Beneficiaries of this insurance plan can also receive discounted rates for a variety of diagnostic tests.
• To benefit from this insurance plan, you must have been a member of the Karnataka Rural Co-operative Society for at least three months. You will then become a key player.
• Enrollment in this program is available from July to October each year.
• This program also allows you to take advantage of reduced-cost hospital stays at several network hospitals.
• The maximum age to purchase a policy for a newborn child is 75 years old.
• Those who enlist during the specified period may use their benefits at any time between June 1 and May 31 of the following year.

Jyothi Sanjeevini Scheme

Implementation Strategy for the Yeshasvini Health Insurance Scheme

When a beneficiary comes to one of the Network Hospitals, a coordinator checks the beneficiary’s UHID card, pays the enrollment fee, and approves the preliminary diagnosis. If surgery is required, MSP receives a pre-authorization request. The request is reviewed by experts. Subject to the established limitations, the beneficiary may receive cashless treatment for any surgery. The network hospitals forward the patient’s signed bill summary and other required paperwork to MSP for claims processing. The Yeshasvini Health Insurance Scheme Trust pays network hospitals via MSP within 45 days of receiving their invoices.

Kaushalya Karnataka Scheme

Implementing Steps for the Yashasvini Health Insurance Scheme

The Yeshasvini Health Insurance Scheme is being implemented by 730 network hospitals linked to the trust. This includes both public and private hospitals. The trust authorizes the network hospitals to provide medical services by the empanelment standards. The Management Support Service Provider (MSP) arranges cashless hospitalization at these 730 network hospitals. Implementing the Yeshasvini Health Insurance Scheme consists of the following steps:

• The Yeshasvini beneficiary visits a network hospital that has been recognized and authorized by the trust.

• A network hospital coordinating officer will review the beneficiary’s UHID card.

• The enrolling party is required to pay a fee.

• The patient must then undergo an initial diagnosis and a few basic medical tests.
• The request will be reviewed by doctors chosen by the MSP, with approval issued the following day.
• The network hospital will provide cashless treatment to the beneficiary, subject to the program’s restrictions.
• Following the patient’s discharge, the network hospital will send the MSP the original invoices, discharge summary, and other medical records to settle the claim.
• Within 45 days of receiving the documentation, the trust will settle the claim with the network hospital via the MSP.

E Swathu Karnataka