Yeshasvini Health Insurance Scheme

State governments across the country have been taking additional steps to improve the overall health of common people, especially the economically deprived section of the society. Rural workers, like farmers, are deprived of healthcare services owing to the affordability factor. Hence, to safeguard the health of farmers, the Karnataka Government has launched the Yeshasvini Health Insurance Scheme. The scheme provides health insurance coverage to farmers amidst adverse financial crisis.

Yeshasvini Health Insurance Scheme was launched by the former Chief Minister of Karnataka, S.M.Krishna in the year 2003 to offer comprehensive coverage to farmers who are members of the state co-operative societies.

The scheme offering coverage to people in over 30 districts of Karnataka is managed by the Yeshasvini Cooperative Health Care Trust registered under the Indian Trust Act 1882.

Under the Yeshasvini Health Insurance Scheme, farmers are provided coverage up to Rs. 2.5 lakh at minimum premium payment of Rs. 250/- on an annual basis. Under this scheme, farmers can get coverage for medical emergencies for their family members.

Curated for the members of Urban and Rural Co-operative societies, the below surgical and medical treatments are covered under the Yeshasvini Health Insurance Scheme.

• Cardiac Arrest
• General Surgery
• Gynecology Surgery
• Orthopedic Surgery
• Pediatric Surgery
• Cardiothoracic Surgery
• Surgical Oncology
• Obstetrics
• Ophthalmology Surgery
• Genito-urinary Surgery
• Surgical Oncology
• Vascular Surgery
• Dog and snake bite
• Normal child delivery
• Drowning
• Accidents taking place at the time of operation of agricultural implements

Overall, up to 823 medical procedures are covered and the facility can be availed using the Yeshasvini card facility.

The Yeshasvini Health Insurance Scheme does not provide coverage for any of the following medical treatments.

• Kidney transplant
• Diagnostic investigations
• Burns
• Heart transplant
• Cosmetic surgery
• Implants, prosthesis
• Dental surgery
• Vaccination or inoculation
• Inpatient medical treatment
• Post surgery follow up treatment
• Skin treatment or grafting
• Chemotherapy
• Joint replacement surgery
• Dialysis
• Road accidents
• Cost of vitamins, or sanitary items

Below listed are the features and benefits of the Yeshasvini Health Insurance Scheme

• The scheme is available only for the farmers residing in the state of Karnataka

• To avail coverage under this scheme, it is important that you be a member of Karnataka's Rural Co-operative society at least for a period of 3 months. After the membership coverage, you will be eligible to receive benefits under the scheme along with your family members.

• Other types of members who can enroll for membership under this scheme include self-help groups, Stree Shakti Group, Fisherman Cooperative Societies, weavers, beedi workers conducting financial transactions with cooperative societies/banks.

• Every member who is a part of this scheme has to pay a fixed premium on an annual basis. Latest contribution for Rural Yeshasvini is Rs. 300 and for Urban Yeshasvini is Rs 710.

• Enrollment under this scheme remains open from July to October every year

• Members registering for the scheme within the above period can avail benefits from 1st June to 31st May of the following year.

• Rural Yeshasvini members can avail coverage up to Rs. 1.25 lakh- Rs. 2 lakh, while urban member can claim for treatment cost up to Rs. 1.75 lakh in case of single hospitalization and Rs. 2.50 lakh in case of multiple hospitalization

• 823 surgical procedures are covered under three categories: normal, neonatal care and angioplasty procedure

Yeshasvini Cooperative Farmers Health Care Trust is a financial trust that ensures seamless implementation of the health insurance scheme. The Chief Minister of the state of Karnataka is the chief patron of the trust along with the Ministry of cooperation as a contributor.

The trust’s governing body also consists of renowned doctors, 5 senior officers and a principal secretary

To deliver the mentioned benefits to individuals who are a part of the scheme, karnataka Government also makes significant contributions to the funds

Guidelines are issued for enrollment and monitoring of the scheme by the Department of Cooperation under Government of Karnataka

The enrollment process and contribution collection is taken care of by the Registrar of Cooperative Societies and Cooperative Development Officers. The premium amount collected is sent to the District Central Cooperative Banks which further transfers the amount to the Apex Bank of Bangalore

The collected premium amount is then utilized to finance the medical coverage required by the policyholders

In the state of Karnataka, anyone who fulfills the below eligibility criteria is eligible to receive coverage under the Yeshasvini Health Insurance Scheme

• The policy can be availed for a newborn to an individual with maximum age of 75 years
• To be eligible for coverage under this scheme, the applicant must be a member of the cooperative society for a minimum period of 3 months
• Self, spouse, dependent children and parents can be covered under this scheme

• The policy benefits can be availed at the network hospitals listed under the scheme
• Given below are the steps to avail coverage under the Yeshasvini Health Insurance Scheme
• Beneficiary can check the list of the network hospital to get treatment for the listed illness
• Documents and the health card are examined by the medical coordinating officer
• In case a surgery is required, a pre-authorisation request is sent to the Management Support Service Provider
• Cashless approval is provided based on the verification conducted by the Management Support Service Provider
• On discharge, the hospital authority will send the bills, discharge summary, and other related documents to the MSP for settlement
• The claim will be settled by the Yeshasvini Health Insurance Scheme Trust

The below list of documents are required to avail Yeshasvini card in Karnataka

• Age proof
• Address proof
• Certificate which acts as a proof that the individual is a member of the Rural or Urban co-operative society

Yeshasvini Health card is a unique ID card that enables the members to avail treatment at healthcare facilities. By displaying the card at the hospital, the scheme holder can avail treatment at the network hospital for cashless hospitalization service. The card is issued at the time of policy purchase and can be renewed at all cooperative societies.