The government of Kerala launched the Karunya Health Scheme mainly to provide health insurance coverage for the underprivileged sections of the society at a nominal premium charge. This ambitious project was originally launched by the UDF government in the year 2012. The reigning government has decided to continue with this project to provide the necessary benefits to the underprivileged sections of the society. Funding for this scheme is raised through Kerala Lottery, and the amount is directly transferred to provide settlement for the empanelled hospitals.
The eligibility criteria listed out by the government of Kerala for enrolling in this scheme can be listed as follows:
The Karunya Health Scheme by the Government of Kerala functions similar to that of a critical illness cover. People suffering from major chronic illnesses can avail treatment benefits under this cover. Some of the acute ailments covered under this policy include the following:
For the above mentioned health ailments, the government offers treatment benefits up to Rs.2 lakh. For certain cases of extreme illnesses, the treatment benefits can be increased to Rs.3 lakh.
Some of the key features of Karunya Health Scheme can be listed as follows:
The Karunya Health Scheme aims to provide coverage for the underprivileged section of the society against various chronic diseases. The government is utilizing its lottery money to good use by helping poor people access quality healthcare. Though there were rumours regarding the discontinuation of this scheme, the government responded saying that it has no plans to abandon Karunya Health Scheme in the near future.
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