What is the Yeshasvini Health Insurance Scheme?

Yeshasvini Health Insurance Scheme

Healthcare schemes are essential for citizens of any country. The Government of India at a national level as well as the governments of states in the country have initiated schemes to help the citizens receive good quality healthcare and improve their quality of life. The Yeshasvini Health Insurance Scheme is a state scheme that was started in Karnataka. The Yeshasvini Health Insurance Scheme has been designed for the farmers currently members of the state co-operative societies. The Yeshasvini Co-operative Farmers Health Care Scheme offers comprehensive health insurance protection and covers 823 surgical procedures. 

Yeshasvini Card or Yeshasvini Health Card

A person that has made an application for the Yeshasvini Health Insurance Scheme and taken it up may be given a Yeshasvini Card or Yeshasvini Health Card to have access to the different kinds of Yeshasvini Card or Yeshasvini Health Card at a hospital that is included in the Yeshasvini scheme hospital list. One may only be able to get their Yeshasvini Card or Yeshasvini Health Card if one meets the Yeshasvini Health Insurance Scheme eligibility criteria. 

The steps below may clarify how a person can get a Yeshasvini Health Card: 

  1. Visit the website: sahakara.kar.gov.in/Societies&Associations.html 
  2. Click on ‘Register for the Co-operative Society’.
  3. Click on the ‘Apply Online for Yeshasvini Health Card’ link
  4. Submit the necessary details on the form provided for the online registration form and submit them
  5. Once the submission is made, you will get your User ID and Password
  6. Visit the ‘Home Page of the website
  7. One may then log in to the portal by using the necessary credentials 
  8. After successfully logging in using your credentials, you will be redirected to the Yeshasvini Health Card form
  9. Fill out the form as required and then click the ‘Submit’ button

What are the Yeshasvini Scheme facilities?

A person looking at taking up the Yeshasvini Health Insurance Scheme or may have already registered for it may want to learn about the different Yeshasvini Scheme facilities. They may like to learn more about the available facilities to assist with their health issues. Being aware of the Yeshasvini Scheme facilities may make it easier to decide if the scheme may be suitable for them or not or discuss treatment using some of these facilities with the doctor they consult.

  1. 823 surgical procedures 

Yeshasvini scheme covers approximately 823 surgical procedures at the network hospitals. 

  1. Free surgery 

The Yeshasvini Health Insurance Scheme offers free surgery and procedures worth Rs. 1.25 Lakh to Rs. 2 Lakh to its rural members 

  1. Hospitalization benefits 

It offers medical treatment costing up to Rs. 1.75 Lakh for one-time hospitalization to its urban members. For multiple hospitalizations, individuals covered under this scheme can claim up to Rs. 2.50 Lakh

  1. Reduced tariff

The fixed tariff that an insurer has to pay is 40%-50% less than the regular tariff of private hospitals.

  1. Treatment at a reduced cost

Under this scheme, a beneficiary can get treatment at a reduced cost from any network hospital. 

  1. Free diagnosis to outpatients

Outpatients may be able to get a diagnosis free of cost 

  1. Stabilization of medical emergencies

Benefits under this plan also includes specific medical emergencies that require outpatient treatment

  1. Delivery expenses 

Yeshasvini Health Insurance Scheme covers normal delivery expenses. It also covers the cost of pediatric care for the first five days after birth

  1. Assistance to people who work in the unorganized sector 

This scheme also provides medical facilities to weavers, Beedi workers, Stree Shakti groups, and fishermen co-operative societies. 

What are the Yeshasvini Health Insurance Scheme benefits?

The Yeshasvini Health Insurance Scheme is a rural healthcare scheme in Karnataka. The main focus of the Yeshasvini Health Insurance Scheme is to offer Yeshasvini Scheme facilities to farmers who are members of state co-operative societies that may need financial assistance to meet their healthcare needs. 

The following are the benefits of the Yeshasvini Health Insurance Scheme:

  1. The primary beneficiaries are the farmers who have been a member of the state co-operative society for at least 3 months 
  1. The Yeshasvini Health Insurance Scheme offers insurance coverage for any of the listed illnesses under scheme 
  1. A newborn baby may avail of the Yeshasvini Health Insurance Scheme up to a person below the age of 75 years
  1. A person that is eligible for the Yeshasvini Health Insurance Scheme living in rural parts of the state may be able to avail of free medical surgery costing up to Rs 1.25 lakh and Rs 2 lakh , while an urban member can claim for treatment costs up to Rs 1.75 lakh for single admission and Rs 2.50 lakh for multiple hospitalizations. 
  1. The Yeshasvini Health Insurance Scheme covers around 823 surgical procedures, which eligible persons can avail of under three categories: normal delivery, neonatal care as well as procedures that are related to angioplasty 

Yeshasvini Health Insurance Scheme eligibility

People interested in taking the scheme up may want to know the terms of Yeshasvini Health Insurance Scheme eligibility. This may allow them to figure out if they can apply for the Yeshasvini Health Insurance Scheme or not and avail of the Yeshasvini Health Insurance Scheme benefits. The Yeshasvini Health Insurance Scheme benefits may be taken up by farmers currently members of the state co-operative societies. The Yeshasvini Co-operative Farmers Health Care Scheme offers comprehensive health insurance protection and provides the necessary coverage for about 823 surgical procedures for any eligible persons that may need them. 

The following points may throw light on who and cannot take up the scheme:

  1. Co-operative Society members 

Co-operative Society members enrolled under the Karnataka Co-operative Societies Act, 1957, Karnataka Souhardha Sahakari Act, 1997, or Multi-State Co-operative Societies Act, 2002, can take advantage of the Yeshasvini Health Insurance Scheme

  1. People enrolled in self-help groups 

People enrolled under self-help groups set up by the District Central Co-operative Banks/Primary Agriculture Co-operative Societies are eligible

  1. Co-operative Society or rural self-help groups 

Co-operative Societies or rural self-help group members can register under this scheme.

  1. Co-operative Society members who belong to the unorganized sector 

Co-operative Society members who are beedi rollers, weavers, and fishermen by profession are eligible.

  1. Must not be a resident of Karnataka Cities, Corporations’ rural areas

The person must not be a resident of Karnataka Cities and Corporations’ rural areas, as they will not be allowed to avail of Yeshasvini Health Insurance Scheme benefits in this case

  1. No upper age limit 

When it comes to the Yeshasvini Health Insurance Scheme eligibility criteria, there is no upper age limit if they may like to be a beneficiary of the same 

  1. Family members of those registered 

Family members of people registered under the above-mentioned Co-operative Societies are eligible for the scheme 

  1. One family member has to be a Co-operative Society member for at least three months 

One member of the family must spend at least 3 months as a member of the mentioned Co-operative Societies so that the family becomes eligible for the Yeshasvini Health Insurance Scheme.

Who is not eligible for the Yeshasvini Health Insurance Scheme?

Some people may need help to avail of Yeshasvini Scheme facilities. They may, however,  be able to avail of other Government schemes. 

The following people will not be eligible for registration for the Yeshasvini Health Insurance Scheme:

  1. Married daughters

Married daughters who are not members of the specified Co-operative Societies and live outside the jurisdiction of this health scheme are not eligible for this benefit.

  1. Members of the Employees’ Co-operative Society

Members of the Employees’ Co-operative Society are not eligible to take up Yeshasvini Health Insurance Scheme benefits 

  1. Members of liquidated or defunct Co-operative Society

Members of liquidated or defunct Co-operative Society are not eligible to take up Yeshasvini Health Insurance Scheme benefits 

  1. Employees that draw some salary

Employees of the government sector or a private company that draws salary cannot apply for the Yeshasvini Health Insurance Scheme

Yeshasvini Scheme hospital list

A person that wants to avail of the benefits of the Yeshasvini Health Insurance Scheme may be curious how and where they may be able to access the Yeshasvini Scheme hospital list. One can access the Yeshasvini Scheme hospital list online and then go to the necessary hospital to receive the necessary services through the Yeshasvini Health Insurance Scheme. 

One must note that they must apply to avail of the scheme’s benefits and go to a hospital empanelled under the Yeshasvini Health Insurance Scheme. They may learn more about the Yeshasvini Health Insurance Scheme at the empanelled hospital mentioned in the Yeshasvini Health Insurance Scheme. 

No exact figure is given for how many hospitals may be able to offer the Yeshasvini Health Insurance Scheme benefits to the people that take it up. It has been estimated, however, that nearly 900 hospitals across several districts located in the state of Karnataka are a part of the network of Yeshasvini Health Insurance Scheme and offer Yeshasvini Health Insurance Scheme benefits to those who meet the Yeshasvini Health Insurance Scheme eligibility criteria. Among the locations where hospitals that provide the Yeshasvini Health Insurance Scheme are located, urban Bangalore has the most hospitals at 61, followed by Belgaum at 49, Bagalkot at 44, Tumkur at 27, Dakshina Kannada at 26, and Mandya at 25.

What is the need for the Yeshasvini Health Insurance Scheme?

Many people may require a scheme like the Yeshasvini Health Insurance Scheme. Workers in rural regions, especially those who work in the informal sector, like farmers who may be deprived of many valuable government healthcare benefits extended towards formally employed individuals, may need assistance from the Government of India or their state government to meet their health-related needs. The Yeshasvini Scheme facilities may help them to do so.

The Karnataka Government launched the Yeshasvini Health Insurance Scheme primarily to help people who may be working in such rural and informal sectors to be able to avail of affordable medical facilities, especially if they may be facing some financial crisis. It will ease their stresses, improve their quality of life and ensure that they receive good medical facilities that they may not have been able to afford without the Yeshasvini Health Insurance Scheme. The Yeshasvini Health Insurance Scheme is an important and necessary scheme that assists the people of Karnataka.

What is the extent of the Yeshasvini Health Insurance Scheme?

The Yeshasvini Health Insurance Scheme expands over a considerable territory, covering 30 districts in the State of Karnataka, providing the farmers who are members of the state co-operative societies. The Yeshasvini Co-operative Farmers Health Care Trust primarily manages the scheme’s functioning. The Yeshasvini Co-operative Farmers Health Care Trust is registered under the Indian Trust Act 1882.

About 30 lakh beneficiaries may take up the Yeshasvini Health Insurance Scheme benefits. By providing a minimum premium of Rs 250 annually to its beneficiaries, the farmers in Karnataka may avail the necessary insurance coverage for themselves as well as their families for a handful of medical emergencies. The scope of coverage under the Yeshasvini Health Insurance Scheme includes surgical procedures with a sum of Rs 2.50 lakh.

Can people outside Karnataka avail of the Yeshasvini Health Insurance Scheme benefits?

Yeshasvini Health Insurance Scheme benefits may only be availed by those who meet the Yeshasvini Health Insurance Scheme criteria. This generally covers workers who fall under workers in Karnataka’s unorganized sector who fall into the middle and lower-middle income brackets. The people who take up the scheme must be members of a co-operative society in Karnataka. They should have been a member of that particular co-operative Society for at least 3 months, after which they may be allowed to register for the Yeshasvini Health Insurance Scheme. 

When was the Yeshasvini Health Insurance Scheme launched, and by who?

The Yeshasvini Health Insurance Scheme was a positive step by the government of Karnataka. The Yeshasvini Health Insurance Scheme was launched on the 1st of June 2003 under leadership of former Chief Minister of Karnataka, S.M. Krishna.

List of Treatments Covered Under Yeshasvini Health Insurance Scheme

The following surgery & treatment expenses are covered under the Yeshasvini Health Insurance Scheme:

  1. Cardiac Arrest
  2. Orthopedic, Pediatric, and cardiothoracic surgery
  3. General Surgery
  4. Gynaecology Surgery
  5. Neonatal Intensive Care
  6. Obstetrics
  7. Ophthalmology Surgery
  8. Genito-urinary Surgery
  9. Surgical Oncology
  10. Vascular Surgery
  11. Neurological Surgery
  12. Dog bite
  13. Drowning
  14. Snakebite
  15. Accidents during the operation of agricultural implements 
  16. Normal Delivery

Exclusions to the Karnataka Yeshasvini Scheme 

Some medical procedures are excluded under the Yeshasvini Health Insurance Scheme this scheme such as:

  1. Diagnostic investigations
  2. Regular follow-up treatment and medico-legal Cases
  3. Kidney Transplant
  4. Heart Transplant
  5. Burns
  6. Cosmetic surgery
  7. Implants, prosthesis
  8. Skin treatment or grafting 
  9. Dental Surgery
  10. Nasal Septum
  11. Inpatient medical treatment
  12. Chemotherapy
  13. Autoimmune diseases 
  14. Joint replacement surgery
  15. Dialysis 
  16. Road accidents

Can a person avail of maternity benefits under the Yeshasvini Health Insurance Scheme?

People with different health-related needs may take up Yeshasvini Health Insurance Scheme benefits. People may want to know whether they receive assistance for maternity procedures and other maternity care under the scheme. Maternity care can often be costly and cause a lot of stress for those less financially able. Maternity benefits may be covered under the plan, primarily normal delivery that a person may undergo when delivering a child. Suppose one would like to inquire about other benefits they could be afforded under the scheme. In that case, they may contact an empanelled or listed hospital about the same, which can provide the necessary information to the person. 

How to Claim Yeshasvini Health Scheme benefits?

To avail of the scheme benefits, the beneficiary can approach any network hospitals listed. Below is a detailed process of availing of healthcare under the Yeshasvini Health Insurance Scheme or the claim steps for the same:

  1. The beneficiary can check their nearest authorized network hospital if they want treatment through the Yeshasvini Health Insurance Scheme
  1. At the initial stages, a medical coordinating officer will examine the necessary documents or health card of the person taking up the Yeshasvini Health Insurance Scheme
  1. An enrollment fee may have to be given by the person for pre-diagnosis and other medical tests they may need for the treatments received under the Yeshasvini Health Insurance Scheme
  1. Depending on the tests, if surgery is required, a person may need to make a pre-authorization request which will be sent to the MSP or Management Support Service Provider
  1. After the MSP has verified the person’s request, cashless approval may be given through the scheme as per its terms
  2. Cashless treatment will be afforded to the eligible patient to the set limit of the Yeshasvini Health Insurance Scheme
  1. After the patient’s discharge, the hospital authority will send the bills, discharge summary, and other documents necessary to the MSP for their settlement
  1. The Trust for the Yeshasvini Health Insurance Scheme will settle the claim as required 

How to Register for Yeshasvini Health Insurance Scheme?

Individuals that have been a member of a co-operative society in the region of Karnataka for a minimum duration of 3 months may be able to make a registration for the Yeshasvini Health Insurance Scheme. They may also do this online. Online registration has been a massive plus for the people who want to register for Yeshasvini Health Insurance Scheme, especially if they live in rural regions or face some health impediment that does not allow them to travel to a place to register physically. From 

May to June, the registration of new members and renewal of existing ones is carried out at all co-operative societies. The local co-operative Society signs up a member, issues a receipt, and deposits the premium amount before the commencement of the plan year. The main member who meets the Yeshasvini Health Insurance Scheme eligibility criteria and avails of Yeshasvini Health Insurance Scheme benefits receives a Unique Health Identification (UHID) form. This may be used when seeking healthcare services through the Yeshasvini Health Insurance Scheme. 

Documents Required for Yeshasvini Health Insurance Scheme

A person may need help approaching an empanelled or listed hospital to avail of the necessary services through Yeshasvini Health Insurance Scheme. They will need to produce some documents to be able to do so first. 

The following documents are required to avail Yeshasvini card for the Yeshasvini Health Insurance Scheme in Karnataka:

  • A certificate showing that the person is a member of Rural or Urban Co-operative Societies
  • Proof of age 
  • Address Proof

How to Get Yeshasvini Health Card?

Yeshasvini health card is an ID card that will enable a person to avail of the Yeshasvini Health Insurance Scheme benefits at a suitable healthcare facility. By showing this card in a hospital, the scheme holder may be afforded the necessary treatment under the cashless category. Yeshasvini Health Card is provided to all the necessary persons when they purchase the scheme. The Yeshasvini Health Card is also renewable in all corporative societies. The Yeshasvini card application online registration can be initiated through yeshasvini.kar.nic.in.

How can a person get a Yeshasvini health card?

When Yeshasvini Health Insurance Scheme was launched, beneficiaries that registered for it were provided with a Yashasvini Card, which indicated that a person was associated with the Yeshasvini Health Insurance Scheme. However, from 2008-2009, the card that was offered to eligible persons was replaced with a Unique Health Identification form, so one may note this change if they register for the scheme. The UHID form for the Yeshasvini Health Insurance Scheme may contain all the necessary information of the person that has taken up the scheme. This may include all the required information relating to the beneficiary of the scheme, such as their name, age, relationship, etc., of the main member that has taken up the Yeshasvini Health Insurance Scheme and other details relating to their family.

Conclusion

People have different kinds of health-related needs. Not everyone is able to afford medical treatments easily and may need some kind of assistance for the same. To ensure people’s health in a state or country, setting up healthcare schemes that adequately address their health-related problems is essential. The Yeshasvini Health Insurance Scheme has succeeded in addressing the medical needs of the people in Karnataka. It has been a positive step by the Government of Karnataka that has made access to healthcare much easier for the farmers and people who work in the unorganized sector of the state. If you need financial support for your needs and treatment, Impact Guru can help you with raising money through online crowdfunding.