The Yashaswini Yojana is also known as the Yeshasvini Health Insurance Scheme which is a health insurance program designed to support farmers and workers in the unorganized sector of Karnataka India. this program was Initiated by the Government of Karnataka, this scheme aims to provide affordable healthcare for those who do not have a fixed income and are often affected by factors like weather and market prices. The program is managed by the Department of Co operatives in collaboration with the government and it uses funds collected by Co operative Societies through the Yeshasvini trust to offer medical services at reduced costs.
The scheme covers a wide range of medical procedures and offers benefits such as a sum insured of up to Rs. 5 lakh annually, cashless facilities at network hospitals and discounts on treatment costs and diagnostic tests. It is particularly beneficial for rural informal workers, enabling them to access quality healthcare without the burden of high expenses. The Yashaswini Yojana is a significant step towards improving the health and well being of Karnatakas rural population by making healthcare more accessible and affordable.
Procedure to apply for the Yashaswini Yojana Online
To obtain a Yeshasvini Health Card, follow these steps:
- Visit the website: https://sahakara.kar.gov.in/Societies&Associations.html.
- Select the ‘Register for the Cooperative Society’ option.
- Then, click on the ‘Apply Online for Yeshasvini Health Card‘ link.
- Fill out the online registration form with all the required details.
- Once completed, click on the ‘Submit‘ button.
- After submission, you’ll receive your User ID and Password.
- Return to the homepage and log in using your credentials.
- You’ll be directed to the Yeshasvini Health Card form.
- Complete the form with accurate information.
- Finally, click on the ‘Submit‘ button to complete the process.
| Feature | Details |
|---|---|
| Scheme Name | Yashaswini Health Insurance Scheme |
| Objective | To provide affordable healthcare to farmers and workers in the unorganised sector in Karnataka |
| Annual Coverage | Up to Rs. 5 lakh |
| Eligibility | Members of Karnataka’s Rural Co-operative Societies |
| Premium | Rs. 300 per year for rural members; Rs. 710 per year for urban members |
| Disease Coverage | Over 1,650 diseases, including surgeries |
| Cashless Treatment | Available at network hospitals |
| Fixed Treatment Costs | Lower than normal rates for some treatments |
| Discounted Diagnostic Tests | Available for scheme members |
| Enrollment Period | July to October every year |
| Family Coverage | Benefits extend to the family of the member |
| Subsidy for SC/ST Members | Up to Rs. 600 |
Yeshasvini Yojana features and Eligibility
The Yeshasvini Healthcare Insurance Scheme is a health insurance program for people in Karnataka especially those working in farming and other informal jobs.
- Annual Coverage: It provides insurance coverage up to Rs. 5 lakh every year
- Cashless Treatment: You can get medical treatments without paying cash at hospitals that are part of the scheme.
- Wide Disease Coverage: The scheme covers over 1,650 diseases, including surgeries
- Fixed Treatment Costs: Some medical treatments have a fixed cost, which is usually lower than normal rates
- Discounted Diagnostic Tests: Members can get diagnostic tests at lower prices
- Eligibility: Farmers who are members of Karnataka’s Rural Co-operative Society for at least 3 months can join the scheme
- Family Coverage: If you’re a member, your family can also benefit from the scheme
- Affordable Premiums: Members pay a yearly fee which is quite low (Rs. 300 for rural and Rs. 710 for urban members)
- Enrollment Period: You can sign up for the scheme between July and October every year
This scheme helps people get good healthcare without worrying too much about the cost.
How to claim the Yash Ashwini Insurance scheme
To avail the benefits of the Yeshasvini Health Insurance Scheme, follow these steps at a network hospital:
- Visit a designated network hospital under the scheme.
- Approach a medical coordinating officer and furnish all required documents.
- After document verification, pay the enrollment fee for necessary medical tests.
- If medical surgery is deemed necessary based on diagnosis, a pre-authorization request is forwarded to the Management Service Provider (MSP).
- The MSP evaluates the request and grants approval for cashless treatment if deemed appropriate.
- Upon discharge, the hospital forwards the discharge summary and bills to the MSP for claim settlement.
Yash Ashwini Insurance Card Download
- Visit the official website of SAHAKARA SINDHU, the Department of Cooperation, Karnataka.
2.Register with the co-operative society if you haven’t already. - Look for the Yeshaswini Health Insurance Scheme section on the website.
- Click on the ‘Apply online for Yeshaswini Health Card‘ option.
- Complete the application form with accurate details.
- Attach the required documents, such as ID proof and co operative society membership details.
- Review your application for any errors and submit it online.
- After submission, print out the application form if required.
- You may need to visit the local co-operative office for verification.
- Once verified, you will be able to download the Yashaswini card from the website.
Make sure to keep all your documents ready and follow the instructions on the website carefully to ensure a smooth process.
