Yashasvini Health Insurance Scheme by Karnataka Government

State governments across the country have been in constant effort to supply good healthcare to the common people especially the economically deprived section of the society. Plenty of government schemes have been launched and are working towards the betterment of their health and medical expenditures. One such scheme is Yeshasvini Health Insurance Scheme by the Govt. of Karnataka. It is among the popular types of health insurance for farmers in India.

Read More

Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    What’s Yeshasvini Health Insurance Scheme?

    Yeshasvini Health Insurance Scheme was launched on June 1, 2003 under the leadership of the former Chief Minister of Karnataka S.M. Krishna. Precisely designed for the farmers who are members of the state co-operative societies, the Yeshasvini Co-operative Farmers Health Care Scheme offers comprehensive health insurance protection with 823 surgical procedures coverage. 

    The scheme covers 30 districts in the State of Karnataka. The functioning of the scheme is solely managed by the Yeshasvini Cooperative Farmers Health Care Trust that is registered under the Indian Trust Act 1882.

    Karnataka Yeshasvini Health Insurance Scheme: Scope of Coverage

    Under the Yeshasvini Health Scheme by Karnataka Govt., the policy benefits are extended to 30 lakh beneficiaries. With a minimum premium of Rs 250 annually, farmers in Karnataka can get insurance coverage for their families for medical emergencies. The scope of coverage under this rural healthcare scheme majorly includes surgical procedures with a sum insured up to Rs 2.50 lakh.

    Yeshasvini Health Insurance Scheme: Features & Benefits

    Listed below are some of the key features and benefits to be availed under this rural healthcare scheme in Karnataka:

    • Farmers who are the members of the state co-operative society at least for 3 months are the key beneficiaries under this scheme.
    • The policy offers insurance coverage for any kind of listed illnesses.
    • The policy can be availed for a new born baby to a person with the maximum age of below 75 years.
    • A rural Yeshasvini member can avail free medical surgery costing up to Rs 1.25 lakh and Rs 2 lakh, while an urban member can claim for treatment cost up to Rs 1.75 lakh for single admission and Rs 2.50 lakh for multiple hospitalisations. 
    • Yeshasvini Health Insurance Scheme covers 823 surgical procedures under three categories: normal delivery, Neonatal Care and Angioplasty procedure.

    List of Treatments Covered Under Yeshasvini Health Insurance Scheme

    Implemented for the members of Urban & Rural Co-operative Societies, the following surgery & treatment expenses are covered under the Yeshasvini health scheme:

    • Cardiac Arrest
    • Orthopedic, Pediatric, cardiothoracic Surgery
    • General Surgery
    • Gynecology Surgery
    • Neonatal Intensive Care
    • Obstetrics
    • Ophthalmology Surgery
    • Genito-urinary Surgery
    • Surgical Oncology
    • Vascular Surgery
    • Neurological Surgery
    • Dog bite
    • Drowning
    • Snake bite
    • Accidents during operation of agricultural implements 
    • Normal Delivery

    Karnataka Yeshasvini Scheme: Exclusions

    Some of the medical procedures are excluded under this scheme such as:

    • Diagnostic investigations
    • Regular follow-up treatment and medico legal Cases
    • Kidney Transplant
    • Heart Transplant
    • Burns
    • Cosmetic surgery
    • Implants, prosthesis
    • Skin treatment or grafting 
    • Dental Surgery
    • Nasal Septum
    • Inpatient medical treatment
    • Chemotherapy
    • Autoimmune diseases 
    • Joint replacement surgery
    • Dialysis 
    • Road accidents

    YCFHS Eligibility Criteria

    In India, anyone who fulfills the eligibility conditions can avail Yeshasvini Co-operative Farmers Health Care Scheme. Let’s consider the below eligibility conditions under this government health scheme:

    Entry Age

    Individual who are below 75 years of age can apply for the scheme

    Eligible Member

    An applicant must be a member of a cooperative society at least for 3 months to be eligible for this scheme.

    The family members of the scheme holder can avail the policy benefits, even if they are not a part of the co-operative society.

    Members Covered

    Self, spouse, dependent children and parents

    Scheme Tenure

    August 1st to July 31st of the successive year

    How to Claim Yeshasvini Health Scheme?

    To avail the scheme benefits, the beneficiary can approach any of the network hospitals listed under the scheme. Below is the detailed process of how to avail healthcare under Yeshasvini scheme:

    Claim Steps

    • The beneficiary can check for the nearest authorized network hospital to get treatment.
    • Initially, a medial coordinating officer will examine the required documents or health card.
    • An enrollment fee has to be submitted for pre-diagnosis and other medical tests.
    • Depending on the tests, if a surgery is required, a pre-authorisation request is sent to the MSP (Management Support Service Provider).
    • After verifying the request by the MSP, cashless approval is given as per the terms of the scheme.
    • Cashless treatment will be provided up to the Yeshasvini health scheme limit. 
    • After discharge, the hospital authority will send the bills, discharge summary and other related documents to the MSP for settlement.
    • The Yeshasvini Health Insurance Scheme Trust will settle the claim accordingly.

    How to Register for Karnataka Yeshasvini Health Scheme?

    In order to register for this scheme, the applicant must be a member of the Cooperative societies at least for 3 months. The new enrolment for the Karnataka Yeshasvini scheme is done at all respective corporative societies from May to June every year.

    Documents Required for Yeshasvini Health Insurance Scheme

    The following documents are required for availing Yeshasvini card in Karnataka:

    • A certificate proving that the person is a member of Rural or Urban Co-operative Societies
    • Age proof
    • Address Proof

    How to Get Yeshasvini Health Card?

    Yeshasvini health card is an essential ID that enables one to avail the healthcare facility. By showing this card in a hospital, the scheme holder can process the necessary treatment under cashless category. This card is provided at the time of buying the scheme and also renewable at all corporative societies. The Yeshasvini card apply online registration can be initiated through http://yeshasvini.kar.nic.in 


    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

    Health insurance articles

    Recent Articles
    Popular Articles
    12 Tips to Avoid Common Health Problems During Summers

    12 May 2022

    India experiences a hot and dry summer season that lasts for up to...
    Read more
    Does Medical Insurance Cover Hearing Aids?

    12 May 2022

    The number of people who require hearing aids continues to grow...
    Read more
    Are Accidental Injuries Covered by Health Insurance in India?

    12 May 2022

    Accidents are unpredictable. Getting injured in an accident not...
    Read more
    6 Most Effective Ways to Prevent Viral Fever

    12 May 2022

    A change in weather can bring respite from the scorching summer...
    Read more
    Does Health Insurance Cover Death?

    06 May 2022

    Life is unpredictable and so is death. A lot of people lose their...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Considering the increase in medical inflation in India, buying adequate health insurance for your loved ones has...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more
    Download the Policybazaar app
    to manage all your insurance needs.