Medical Assistance (Karmika Arogya Bhagya) (K.B.O.C.W.W.B)

Medical Assistance (Karmika Arogya Bhagya) is a welfare scheme run by the Karnataka Building and Other Construction Workers Welfare Board (KBOCWWB). It gives cash support to registered construction workers and their dependents for hospitalisation expenses in recognised hospitals.

The scheme is open for all registered construction workers of Karnataka. It covers treatment costs in government hospitals, private hospitals listed in Schedule I of the Karnataka Government Servant's Medical Attendance Rules 1963, and hospitals recognised under any state government insurance scheme. The patient must stay in hospital for at least 48 continuous hours to claim the benefit.

Medical Assistance (Karmika Arogya Bhagya) - Key Details

This scheme is a part of the welfare measures of the Karnataka Building and Other Construction Workers Welfare Board under the Labour Department. It is designed to reduce the money burden on construction workers when they or their dependents need hospital care.

Benefits

The scheme provides ₹300 per day of hospitalisation up to a maximum of ₹20,000 for a continuous hospital stay, subject to actual treatment costs. This amount is fixed by the Government of Karnataka notification and is paid directly to the eligible worker or dependent.

Note: The hospitalisation must last for a minimum of 48 continuous hours to qualify for this benefit.

Eligibility

To get this benefit, the applicant must first be a registered member of the Karnataka Building and Other Construction Workers Welfare Board. Below are the main conditions to keep in mind.

Conditions for construction worker registration:

• The applicant should be a construction worker working in the unorganised sector.
• The applicant should be at least 18 years of age.
• The applicant should have worked in construction for at least 90 days in the previous year, with proof of employment.

Conditions for the welfare scheme application:

• The applicant must be a registered member of the Karnataka Building and Other Construction Workers Welfare Board.
• The beneficiary must be hospitalised for at least 48 continuous hours.
• Treatment must take place in a government hospital, a private hospital in Schedule I, or a state recognised insurance scheme hospital.

Application Process

The whole process is done online through the official board portal. First the worker registers as a beneficiary, and after the registration is approved, the medical assistance claim can be submitted. Follow the steps below.

STEP 1 - Visit the official portal and select the Register option.

STEP 2 - Choose Register as New Construction Worker, enter the mobile number linked to Aadhaar, and verify it with the OTP.

STEP 3 - Once inside the dashboard, click on Registration and fill in all the required details.

STEP 4 - Upload the required documents and submit the registration application.

STEP 5 - After the registration is approved, log in to the KBOCWWB official portal again.

STEP 6 - Click on Schemes, select Medical Assistance (Karmika Arogya Bhagya), enter the hospitalisation details, and upload the supporting documents.

STEP 7 - Review the entries and click Submit. The application must be submitted within 6 months of the hospitalisation start date.

Renewal: Registration must be renewed every 3 years. A 1-year grace period is given, after which the registration becomes invalid.

Documents

The documents needed are divided into two parts, one for worker registration and the other for the scheme application. Keep both sets ready before applying.

For worker registration:

• Employment Certificate in Form V(A), V(B), V(C) or V(D).
• Self-attested Aadhaar card.
• Ration card, which is optional.
• Proof of age such as Voter ID or Aadhaar card.

For scheme application:

You will need a discharge summary, Form XXII-A, treatment bills, a self-declaration form, and an employment certificate. Hospital bills showing the admission and discharge dates and all treatment given are also required.

References

Guidelines | Registration Guidelines | User Manual

FAQ's

Who is eligible to register as a beneficiary?

Any construction worker who is at least 18 years old and has done construction work for at least 90 days in the previous year is eligible.

Is there a minimum service requirement?

Yes, the worker must have completed at least 90 days of construction work in the preceding 12 months.

Who can apply for the Medical Assistance scheme?

Any registered worker of the Karnataka Building and Other Construction Workers Welfare Board can apply for this support.

How often must I renew my registration?

Registration must be renewed every 3 years.

What if I miss the renewal deadline?

A 1-year grace period is available. If the registration is not renewed within this time, it becomes invalid.

Is there an application fee?

No, registration is free of charge.

What is the minimum hospitalisation period required to claim funds?

The beneficiary must be hospitalised for at least 48 continuous hours.

What is the daily assistance amount?

The scheme provides ₹300 per day of hospitalisation.

What is the maximum amount I can receive?

Up to ₹20,000 for a continuous hospital stay, based on actual treatment costs.

What is the application submission deadline?

The application should be submitted within 6 months from the date of admission to the hospital.