AI SummaryKarunya Arogya Suraksha Padhathi (KASP) is the health care scheme of Kerala government that gives a health cover of ₹5 lakh per family every year for secondary and tertiary care hospitalization. It reaches over 42 lakh poor and vulnerable families, which works out to roughly 64 lakh people, forming the bottom 40% of the Kerala population. The scheme brings together the earlier RSBY, Comprehensive Health Insurance Scheme (CHIS), Senior Citizen Health Insurance Scheme (SCHIS), and Karunya Benevolent Fund (KBF) along with Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY) into one single program.
Kerala government has set aside an additional ₹300 crore for KASP for the current financial year. This takes the total funding for the scheme to ₹978.54 crore. The scheme keeps working toward inclusive health care, so families do not have to carry the whole weight of treatment costs on their own.
Funding Allocation for Karunya Arogya Suraksha Padhathi Scheme
The funding decision by Kerala government supports KASP with over ₹300 crore set aside only for this health care scheme. With this money, the scheme is placed to extend its support to families facing money problems. The program targets over 41.99 lakh families that fall under the poor classification, which translates to about 64 lakh people who can get the health insurance cover.
Aims of Karunya Arogya Suraksha Padhathi Scheme
The main aim of KASP is to make health care affordable for low-income families across Kerala. Introduced in 2019, the scheme is built to ease the money stress that comes with health problems. Fair access to health services is a key goal, and the scheme also gives money help for serious health conditions and diseases.
Essential Summary of Karunya Arogya Suraksha Padhathi Scheme
| Name of the Scheme | Karunya Arogya Suraksha Padhathi Yojana |
|---|---|
| Initiated by | Government of Kerala |
| Target Beneficiaries | Residents of Kerala |
| Healthcare Benefits | Financial support for treatment costs |
| Year of Launch | 2019 |
| Application Method | Online |
| Official Website | Karunya Arogya Suraksha Padhathi official page |
| Annual Health Coverage | ₹5 Lakh per family |
| Total Beneficiaries | 64 Lakh |
Who Qualifies for the Karunya Arogya Suraksha Padhathi Scheme?
To apply for this program, applicants must meet the following eligibility criteria:
- Permanent residents of Kerala.
- Families classified below the poverty line.
- Annual income should not exceed ₹3 lakh.
Financial Support Offered
Eligible applicants get health benefits of up to ₹5 lakh every year, ensuring big cover for treatment costs. The cover works on a family floater basis, so one or all members of the family can use it.
Documents Required for the Application
To apply for the Karunya Arogya Suraksha Padhathi Scheme, the following documents are required:
- Aadhaar card
- PAN Card
- Domicile Certificate
- Bank account details
- Proof of residence
- Mobile number
Key Features of the Karunya Arogya Suraksha Padhathi
The important features of this health scheme are:
- Cashless treatment at empanelled hospitals where KASP handles all expenses directly.
- Complete cover including major surgeries, cancer treatments, and organ transplants.
- Financial help for serious illnesses for policyholders.
- National portability of KASP benefits, so a beneficiary can get cashless treatment at any empanelled hospital in India.
- Immediate cover for pre-existing conditions from day one.
- No limits on family size, age, or gender.
- Support for pre and post-hospitalization costs, covering three days before and fifteen days after hospitalization.
How to Apply for the Karunya Arogya Suraksha Padhathi Scheme Online
STEP 1 - Visit the Karunya Arogya Suraksha Padhathi official page on the State Health Agency website.
STEP 2 - On the homepage, click the "Apply Now" button.
STEP 3 - Enter the required information on the new page.
STEP 4 - Click the submit button to finalize your application.
Finding Empanelled Hospitals
To locate empanelled hospitals under the scheme, follow these instructions:
STEP 1 - Go to the official site to view the list of empanelled hospitals.
STEP 2 - Scroll down on the homepage and click to access more details about the hospital list.
STEP 3 - The list of empanelled hospitals will then be displayed for your reference.
Revised Guidelines 2026
Kerala government issued revised guidelines for the use of claim revenues by government hospitals under Ayushman Bharat PM-JAY/KASP in January 2026. The order sets clear rules on accounting for claims, use of insurance funds, and tracking of finances. You can read the full order here: KASP revised guidelines 2026 PDF.
Contact Information
To get help regarding the Karunya Arogya Suraksha Padhathi Scheme, you can reach out at:
Phone No: 0471 4063121
FAQ's
What is the Karunya Arogya Suraksha Padhathi scheme?
This is a welfare scheme introduced for the residents of Kerala, which provides health care benefits to eligible applicants.
Who can apply for the scheme?
The applicants must be permanent residents of Kerala, belonging to below-poverty-line families.
What are the advantages of this scheme?
Participants will receive significant financial help to cover their treatment costs.
Is online application possible for this scheme?
Yes, applicants can apply online through the official website of KASP.
What types of medical services are covered?
KASP includes cover for major surgeries, critical illnesses, and various medical treatments.
How is the application processed?
All applications are processed online through the dedicated website, allowing for simple submissions.