Karnataka Arogya Sanjeevini Scheme (KASS)

Why was the Karnataka Arogya Sanjeevini Scheme Introduced

Karnataka Arogya Sanjeevini Scheme was initiated on 1st October 2025 to address the serious financial issues of state government employees. Earlier, whenever there was a need for urgent and critical treatment like major heart surgery or trauma treatment, employees or their dependents had to pay the total hospital bills in advance, which sometimes compelled them to use all their savings or borrow money at very high interest rates.

In order to deal with this problem, the Karnataka Government has replaced the slow and complicated medical reimbursement process with a simple, automated cashless treatment system. It provides financial security to state employees, ensuring they can access critical emergency treatments and multi-specialty care without worrying about upfront costs.

Key Highlights - Karnataka Arogya Sanjeevini Scheme (KASS)

Who is Eligible for Karnataka Arogya Sanjeevini Scheme (KASS)

• Active Karnataka State Government Employees: Serving employees full-time belonging to all cadres (Group A, B, C, and D).
• Employees of Aided Institutions and Autonomous Bodies: Employees belonging to government-aided institutions, PSUs, boards, corporations, and universities under the jurisdiction of the Karnataka State Government.
• Spouse: The wife/husband (legally married) of the serving Karnataka State Government employee will be considered automatically eligible.
• Dependent Children: Biological or step-child/adopted children satisfying the age and dependency conditions prescribed by the State Government.
• Dependent Parents: Father and Mother living with the employee having total combined income per month less than the prescribed limit of the State Government.

What Karnataka Arogya Sanjeevini Scheme (KASS) Covers

• Outpatient (OPD) Services: Routine doctors' appointments, specialist consultations, and outpatient medical care.
• Inpatient Admission: Comprehensive coverage for inpatient admissions, inpatient treatment, and surgeries.
• Emergency Services & Trauma: Admission for emergencies due to accidents, medical problems, and emergency medical services without needing approval beforehand or referrals in urgent cases.
• Diagnostic Testing: Imaging (X-rays, MRI, CT scan) services, medical lab tests, and pathology tests.
• Day-Care & Minor Surgeries: Minor procedures that do not involve overnight stays, like minor surgery, tonsillectomy, D&C, spinal injection, and AV shunting.
• Critical Care Coverage: Life support services such as chemotherapy, hemodialysis, and biopsies.
• Surgical Procedures: Cataract surgeries, specialized eye care, and dentistry services.
• Specialized Treatment: Specialized treatment services, including organ transplantations, treatment for rare diseases, cochlear implants, neuro-implants, and hospice care.
• Preventive Health Care: Yearly health check-ups for eligible members to detect any possible chronic disease.
• KASS is financed through joint funding: The state government finances KASS out of the budget, while the employees pay a small monthly fee, depending on the class they belong to. Your class will determine the type of ward you are allocated in the hospital when you are admitted.

The payment is automatically deducted from your salary every month. When both spouses work for the government, only one deduction is made.

What the Karnataka Arogya Sanjeevini Scheme (KASS) does not cover

• Cosmetic Procedures: Non-essential or aesthetic procedures not associated with approved medical procedures.
• Experimental Treatment: Clinical treatment or procedures that have not received approval from competent health bodies.
• Non-Active & Supporting Care: Well-being programs, debility care, routine nursing care without active treatment and unapproved vaccinations.
• Terminal & Unrecognized Care: Medical treatment given after brain death, and any other procedure that is not officially recognized under the scheme guidelines.

Documents Required to Apply for Karnataka Arogya Sanjeevini Scheme (KASS)

• KGID No. (Karnataka Government Insurance Department): Mandatory service ID number of Government Employees .
• Aadhaar Card: Copies of Aadhaar cards of the primary employee and all dependent family members.
• Latest Salary Slip / Pay Slip: Current salary slip which acts as proof of being employed in Group A, B, C, or D, which dictates room/ward entitlement in empanelled hospitals.
• Passport Size Photographs: Recent photographs of the primary employee and all dependents (under 1 MB in file size for mobile upload).

Family & Relationships Proofs

• Spouse Proof: Either marriage certificate or existing proof/declaration.
• Children Proof: Birth certificate or adoption proof for dependent children/stepchildren.
• Income and Residence Proof of Parents: Self-declaration or income proof to declare that dependents’ parents stay with the employee with a monthly income below the prescribed limit.

Scheme Application Form & Declarations

• Application Form of KASS (Form A): Main application form completed and signed by a government employee.
• Self-Declaration Forms: Forms A(1), A(2) and A(3) for dependent and health declaration.
• DDO e-Signed Documents: Certificate verification and signature by the Drawing and Disbursing Officer (DDO) on the HRMS Karnataka Portal.

How to Step-by-Step Apply for Karnataka Arogya Sanjeevini Scheme (KASS)

Method 1: Online Application (HRMS Portal and Mobile App)

Step 1: Log in to HRMS

Log in to the Official HRMS Portal of Karnataka using your login credentials (KGID number and password).

Step 2: Download KASS App

Download the Official KASS App through the link provided by the HRMS portal.

Step 3: Register / Sign up

Open the app, go to user registration, enter your 12-digit Aadhaar number and KGID number and complete the process by verifying it through the OTP sent to your Aadhaar-linked mobile number.

Step 4:Enter Dependent Information

Enter the required information of all dependent members in your family (including spouse, children, parents, etc.).

Step 5: Upload Supporting Documents: Upload all the necessary documents, which include passport-size photographs, self-declaration forms (Forms A1, A2, and A3), as well as age and income proofs, adhering to the designated file size limitations.

Step 6: Submit Application

Submit your application after reviewing all the data you enter.

Step 7: DDO approval and verification

Print out the generated Annexure form and submit it to your Reporting Officer or DDO. After the approval and verification of your application by the DDO and e-signature of your application on the portal, you will get your digital KASS beneficiary card.

Method 2: Offline Application Mode

Step 1: Filling out Form A as per the Karnataka Arogya Sanjeevini Scheme.

Step 2: Providing necessary documents, which include Aadhaar card of the employee and his/her dependents, passport-size photographs, latest pay slip, and KGID information.

Step 3: Fill out the application form in duplicate through the Head of Office/Reporting Officer.

Step 4: The Drawing and Disbursing Officer (DDO) verifies the details and documents.

Step 5: Upon verification and approval, enrollment confirmation is issued under KASS.

Support and Contact Information

Other Government Health Insurance Schemes

State Government Schemes

• PM-JAY Karnataka: State version of PM-JAY, which offers coverage up to ₹5 lakh per family per year on a family floater basis.
• Arogya Karnataka / AB-ArK (Karnataka): This is a health Insurance scheme that offers health coverage for secondary and tertiary hospitalisation across Karnataka.

Central Government Schemes

• Ayushman Bharat Scheme PM-JAY: This is a centrally sponsored scheme that offers cover for the individual for up to ₹5 lakh each year on a per family floater basis.
• Employees’ State Insurance Scheme (ESIC): This scheme provides for medical, maternity, and disability benefits to the employees.
• Central Government Health Scheme (CGHS): This is a centrally sponsored health insurance scheme that offers insurance coverage for the government servants and pensioners.
• Pradhan Mantri Suraksha Bima Yojana (PMSBY): An accidental death and disability insurance scheme that provides low-cost insurance cover to low-income earners.