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Yeshasvini Well being Insurance coverage Scheme: Safe Reasonably priced Healthcare

In rural areas of Karnataka, accessing high quality healthcare could be difficult for staff within the casual sector, resembling farmers, as a consequence of their variable earnings and lack of formal healthcare advantages. To bridge this healthcare hole and supply reasonably priced medical amenities, the Karnataka authorities launched the Yeshasvini Well being Insurance coverage Scheme. This community-based medical protection program goals to help center and lower-middle-income staff within the casual sector, making certain they will entry important healthcare companies with out monetary burdens.

Beneath the scheme, the beneficiaries contribute INR 300 yearly in the event that they reside in rural areas. For the city inhabitants, the yearly quantity is INR 710. At the moment, near 30 lakh individuals are benefitting from the scheme. From paediatric surgical procedure to canine bites, the scheme covers an in depth variety of 823 procedures. Learn on to seek out extra particulars in regards to the scheme and how one can develop into a beneficiary.

Amenities of the Yeshasvini Well being Insurance coverage Scheme:

The Yeshasvini Well being Insurance coverage Scheme presents a variety of amenities to its beneficiaries, which embody:

  • Cashless advantages for roughly 800+ medical procedures at community hospitals.

  • Fastened tariffs for particular therapies considerably scale back total medical prices.

  • Reductions on diagnostic exams for insured members, making important medical screenings extra accessible.

  • Protection for new child infants and people as much as the age of 75 years, making certain complete healthcare for all eligible members.

Advantages of the Yeshasvini Well being Insurance coverage Scheme:

The Yeshasvini Well being Insurance coverage Scheme has a number of advantages, making it a worthwhile healthcare answer for rural staff in Karnataka. Key advantages embody:

  • Annual insurance coverage protection of Rs. 5 Lakhs.

  • Protection for greater than 800 medical procedures, together with cardiac surgical procedure, orthopaedic surgical procedure, gynaecology, and lots of extra.

  • Cashless declare facility at community hospitals, decreasing the monetary burden on beneficiaries throughout medical emergencies.

  • Particular consideration for members of the family, permitting them to avail of the scheme’s advantages even when they aren’t members of a rural cooperative society.

Eligibility for Yeshasvini Well being Insurance coverage Scheme:

To be eligible for the Yeshasvini Scheme, people should meet the next standards:

  • Membership in a rural cooperative society for no less than six months earlier than scheme enrollment.

  • Residing exterior the agricultural areas of Karnataka cities and firms.

  • Relations of the first insured member also can qualify for protection beneath the scheme.

Checklist of Therapies Lined Beneath Yeshasvini Well being Insurance coverage Scheme:

The Yeshasvini Well being Insurance coverage Scheme covers greater than 800 medical procedures, making certain beneficiaries can entry a variety of important therapies. Among the Yeshasvini Scheme amenities embody:

  1. Cardiac Surgical procedure

    Beneficiaries of the Yeshasvini scheme can endure varied cardiac surgical procedures. These embody coronary artery bypass grafting (CABG), coronary heart valve restore or substitute, and different heart-related surgical procedures. Entry to such crucial cardiac therapies ensures that people obtain the required medical interventions to handle heart-related circumstances.

  2. Orthopaedic Surgical procedure

    The scheme gives protection for orthopaedic surgical procedures, encompassing therapies for bone fractures, joint replacements, spinal surgical procedures, and extra. With orthopaedic surgical procedures typically requiring long-term restoration and rehabilitation, the Yeshasvini Well being Insurance coverage Scheme presents a monetary security internet for beneficiaries going through musculoskeletal points.

  3. Basic Surgical procedure

    The Yeshasvini Well being Insurance coverage Scheme covers varied basic surgical procedures resembling appendectomy, hernia restore, gallbladder removing, and extra. Basic surgical procedure is a vital facet of healthcare, addressing a variety of circumstances that require surgical intervention for optimum restoration.

  4. Gynecology and Obstetrics

    Feminine beneficiaries can avail themselves of gynaecological therapies and obstetric care beneath the Yeshasvini scheme. This consists of protection for prenatal and postnatal care, regular deliveries, cesarean sections, and coverings for varied gynaecological circumstances.

  5. Surgical Oncology

    Beneficiaries recognized with most cancers can entry surgical oncology therapies by means of the Yeshasvini Well being Insurance coverage Scheme. Surgical procedures for most cancers removing or tumour resection are included, offering essential help to people battling most cancers.

  6. Neurological Surgical procedure

    The scheme extends protection to neurological surgical procedures, encompassing procedures resembling mind tumour removing, remedy for neurological problems, and surgical procedures to deal with spinal circumstances. With neurological illnesses requiring specialised experience and care, the scheme assists these coping with such well being challenges.

  7. Neonatal Intensive Care

    New child infants coated beneath the Yeshasvini Well being Scheme obtain neonatal intensive care advantages. This consists of crucial medical help for untimely infants or these born with well being problems, making certain they’ve the most effective probability for wholesome growth.

  8. Gastroenterology

    Beneficiaries requiring gastroenterological therapies, resembling procedures for gastrointestinal points, liver ailments, and digestive problems, can entry complete medical protection beneath the scheme. Gastroenterology performs a big function in sustaining total well-being, and this protection is a boon for these with associated well being considerations.

  9. Accidents Throughout Agricultural Operations

    The Yeshasvini Insurance coverage Scheme additionally covers accidents that happen throughout agricultural operations. This consists of accidents attributable to electrical shocks, drowning incidents, or accidents associated to the operation of agricultural tools. Such protection is important for the farming neighborhood, safeguarding them in opposition to unexpected emergencies whereas working within the fields.

Exclusions to the Karnataka Yeshasvini Scheme

Whereas Yeshasvini Insurance coverage presents complete protection, there are specific exclusions that beneficiaries ought to pay attention to. The scheme doesn’t cowl bills associated to:

  1. Comply with-up Therapies

    The Yeshasvini scheme focuses on offering main and important medical therapies to beneficiaries. Nonetheless, follow-up therapies involving subsequent visits and care associated to a earlier medical process usually are not coated. Beneficiaries needs to be ready to bear the bills for any follow-up consultations, exams, or medicines.

  2. Dental Surgical procedure

    Dental well being is an integral a part of total well-being. Nonetheless, dental surgical procedures, together with procedures like tooth extractions, root canals, and implants, usually are not coated beneath the Yeshasvini Well being Insurance coverage Scheme.

  3. Implants and Prosthesis

    The Yeshasvini Scheme presents protection for important surgical procedures. Nonetheless, it doesn’t prolong to the price of implants, resembling joint replacements or dental implants, and prosthesis gadgets. Beneficiaries requiring these medical gadgets must bear the bills themselves.

  4. Beauty Surgical procedure

    Whereas Yeshasvini Well being Care focuses on important and life-saving medical therapies, it doesn’t cowl elective procedures like beauty surgical procedure, carried out solely for aesthetic functions. Beauty surgical procedures, resembling rhinoplasty or liposuction, fall exterior the scope of the scheme’s protection.

  5. Chemotherapy

    Although the Yeshasvini scheme covers surgical oncology therapies for most cancers, it doesn’t embody chemotherapy, a standard most cancers remedy involving treatment. Beneficiaries looking for chemotherapy for most cancers administration might want to discover various monetary choices for this remedy.

  6. Autoimmune Ailments

    Autoimmune ailments contain the immune system attacking wholesome cells and tissues and require specialised and ongoing medical care. Nonetheless, the Yeshasvini Well being Insurance coverage Scheme doesn’t cowl therapies for autoimmune ailments like rheumatoid arthritis or a number of sclerosis.

  7. Kidney and Coronary heart Transplant Surgical procedures

    Organ transplant surgical procedures are complicated and contain vital medical prices. Whereas the Yeshasvini scheme presents intensive protection for varied therapies, it doesn’t embody bills associated to kidney or coronary heart transplant surgical procedures.

  8. Dialysis and Highway Site visitors Accidents

    Dialysis, a process for people with kidney failure, and bills associated to highway site visitors accidents usually are not coated beneath Yeshasvini Well being Care. Beneficiaries requiring dialysis therapies or going through medical emergencies as a consequence of highway accidents ought to take into account various monetary preparations.

Paperwork Required for Yeshasvini Well being Insurance coverage Scheme:

To enrol within the Yeshasvini Well being Scheme, people want to offer the next paperwork:

Methods to Register On-line for Yeshasvini Well being Insurance coverage Scheme:

The net registration course of for the Yeshasvini Insurance coverage Scheme is simple.

  1. Go to the Official Web site

    To provoke the web registration course of, go to the official web site of the Yeshasvini Well being Insurance coverage Scheme. The web site gives complete details about the scheme, its advantages, and the registration process.

  2. Verify Eligibility Standards

    Earlier than continuing with the registration, be certain that you meet the eligibility standards for the Yeshasvini Scheme. Cooperative society members, together with members of rural cooperative societies, weavers’ cooperative societies, self-help teams coping with cooperative societies, beedi staff’ cooperative societies, and fishermen’s cooperative societies, are eligible to use for the scheme.

  3. Collect Required Paperwork

    Guarantee you’ve all the required paperwork prepared for the registration course of. The everyday paperwork required embody proof of membership in a cooperative society, age proof, and deal with proof.

  4. Click on on “Register” or “Renew Membership”

    On the official web site’s homepage, search for the choice to “Register” or “Renew Membership.” Click on on this selection to start the registration course of.

  5. Fill within the Particulars

    You can be directed to a registration kind the place you could present important particulars resembling your identify, age, relationship to the first member, society membership quantity, and enrollment date. Fill within the required info precisely and double-check for any errors earlier than continuing.

  6. Add Paperwork

    Upon getting crammed within the vital particulars, you can be prompted to add the required paperwork. Make sure the paperwork are clear and within the specified codecs to facilitate clean processing.

  7. Evaluation and Submit

    After importing the paperwork, fastidiously overview all the data you’ve supplied. Cross-verify the small print to make sure accuracy. As soon as you might be happy that each one the data is right, click on on the “Submit” button to finish the registration course of.

  8. Get hold of UHID Type

    Upon profitable submission of the registration kind, the system will generate a Distinctive Well being Identification (UHID) kind for you. This UHID kind proves your enrollment within the Yeshasvini Well being Insurance coverage Scheme. Be sure that to avoid wasting and print the UHID kind to your information.

  9. Search Healthcare Providers

    Congratulations! You are actually a registered member of the Yeshasvini Well being Insurance coverage Scheme. You’ll be able to current your UHID kind at any community hospital to avail of cashless healthcare companies for coated medical therapies.

You will need to observe that the web registration window for the Yeshasvini Well being Scheme is usually open between Could and June annually.

Methods to Get Yeshasvini Well being Card:

Earlier, beneficiaries acquired a Yeshasvini Well being Card to suggest their affiliation with the scheme. Nonetheless, from 2008-2009, the cardboard was changed with a Distinctive Well being Identification (UHID) kind, containing important particulars of the first member and their household. The UHID kind serves as proof of enrollment for availing of healthcare companies.

Here’s a step-by-step information on find out how to acquire the Yeshasvini Card, now within the type of a UHID kind:

  1. Full the Registration Course of

    To be eligible for the Yeshasvini Well being Card, guarantee that you’ve accomplished the Yeshasvini Well being Insurance coverage Scheme registration course of. This entails assembly the eligibility standards and offering all of the required info and paperwork throughout the registration.

  2. Obtain the UHID Type

    Upon profitable registration, the system will generate a Distinctive Well being Identification (UHID) kind for you. This way accommodates vital particulars such because the identify, age, relationship to the first member, society membership quantity, enrollment date, and pictures of the first member and their members of the family.

  3. Save and Print the UHID Type

    When you obtain the UHID kind, it’s essential to reserve it electronically and print a bodily copy to your information. The UHID kind serves as proof of enrollment within the Yeshasvini Well being Insurance coverage Scheme and will probably be required for availing of cashless healthcare companies at community hospitals.

  4. Current the UHID Type at Community Hospitals

    Everytime you or any of your loved ones members want medical remedy coated beneath the Yeshasvini Well being Insurance coverage Scheme, merely current the UHID kind at any of the community hospitals. The hospital authorities will confirm your enrollment and facilitate cashless remedy for the coated medical procedures.

  5. Hold the UHID Type Helpful

    Because the UHID kind serves as a vital doc for availing healthcare companies, it’s advisable to maintain it helpful always. Retailer a duplicate of the UHID kind in your pockets or purse to be able to current it rapidly each time vital.

Methods to Declare Yeshasvini Well being Insurance coverage Scheme:

The method of claiming advantages beneath the Yeshasvini Well being Scheme is straightforward. If you end up in want of medical remedy or face a medical emergency, comply with these easy steps to assert the advantages of the Yeshasvini scheme and obtain the care you want with none worries.

Step 1: Go to a Community Hospital

The very first thing it’s best to do is head to any of the community hospitals related to Yeshasvini Well being Insurance coverage. These hospitals are in partnership with the scheme and are totally geared up to give you cashless medical companies, making it simpler so that you can get the care you require.

Step 2: Confirm Your Membership and Protection

Whenever you arrive on the community hospital, let the hospital employees know that you’re a Yeshasvini Well being Insurance coverage Scheme member. They may then confirm your enrollment standing within the scheme and test if the remedy you want is roofed beneath the scheme.

Step 3: Endure Preliminary Analysis and Medical Checks

After the verification course of, the hospital’s medical group will conduct an preliminary analysis and should carry out vital medical exams to find out the most effective course of remedy for you.

Step 4: Submit a Pre-Authorization Request to the Administration Providers Supplier (MSP)

As soon as the analysis is full, the community hospital will put together a pre-authorisation request to your medical remedy. This request consists of all of the important medical paperwork and data wanted to ascertain the need of the remedy and its protection beneath the Yeshasvini Well being Insurance coverage Scheme. The hospital will then ship this request to the Administration Providers Supplier (MSP).

Step 5: Verification and Approval by MSP

The MSP is chargeable for overseeing the claims technique of Yeshasvini Well being Insurance coverage. They may fastidiously consider the pre-authorisation request and confirm its validity. Suppose all the pieces aligns with the scheme’s protection and standards. In that case, the MSP will approve your remedy inside a brief interval, normally inside a day.

Step 6: Start Your Therapy

As soon as the pre-authorisation request is accredited, you may proceed together with your prescribed medical remedy as suggested by the docs on the community hospital. One of the best half is that the accredited remedy will probably be coated beneath the Yeshasvini Well being Insurance coverage Scheme, and also you gained’t have to fret about making any upfront funds for the accredited procedures.

Step 7: Fee Settlement

After your remedy, the community hospital will submit all the required medical payments and paperwork to the MSP for reimbursement. The MSP will then course of the cost and settle the medical bills straight with the hospital. This implies you gained’t must bear the monetary burden of paying for the remedy upfront.

Hospital Checklist beneath the Yeshasvini Well being Insurance coverage Scheme:

The Yeshasvini Well being Insurance coverage Scheme boasts a community of almost 900 hospitals throughout varied districts in Karnataka. This intensive community ensures beneficiaries simply entry healthcare companies, particularly throughout emergencies. Yeshasvini Scheme hospitals from city and rural areas, offering medical help to quite a few beneficiaries.

Here’s a checklist of the variety of hospitals accessible in every district that settle for the Yeshasvini Well being Insurance coverage Scheme.



Bangalore Rural


Bangalore City


















Dakshina Kannada


































Uttara Kannada



The Yeshasvini Well being Insurance coverage Scheme, applied by the Karnataka authorities, is a formidable initiative that gives reasonably priced and accessible healthcare companies to rural staff and farmers. Enrollment is open to anybody beneath 75 years of age and covers a wide range of medical therapies. The scheme has an enormous community of 900 hospitals throughout the state, leading to great success. Nonetheless, it’s price noting that this system might not cowl some medical conditions.

In circumstances the place medical procedures require vital monetary funding, Ketto might present the required assist. Ketto is dedicated to helping wherever attainable, however it’s important to grasp the constraints of this system.

You’ll be able to increase a marketing campaign to your wants with Ketto‘s Social Impression Plan (SIP). Contributing to the SIP makes you eligible for reimbursement of your medical bills. It’s actually inspiring to witness the neighborhood of donors coming collectively to help Ketto’s Social Impression Plan, which prioritises the betterment of the neighborhood.

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