Karnataka launches govt insurance scheme for urban poor
The Karnataka Government today launched health insurance under Yashaswini Scheme for families living in urban areas of the state who can avail upto a coverage of Rs 2.5 lakh of health insurance.
The scheme is on the lines of highly successful Yashaswini Health Scheme for rural population that has been under implementation for 12 years in the state.
Speaking at the function, Cooperative Minister H S Mahadeva Prasad said under the extended scheme, 'Nagara Yashaswini', the members BPL families living in urban areas could avail treatment in super speciality hospitals at an annual payment of Rs.1,010 per annum.
The scheme would provide for cashless treatment at any of the 496 network major hospitals conducting 823 surgical procedures in the state in both government and private hospitals are part of this network.
The scheme, registrations for which have already begun, covers anyone from a newborn to a 75-year-old person of a family.
Members can avail healthcare for a total of Rs.1.75 lakh for a single admission. With multiple admissions one can avail treatment up to Rs 2.5 lakh.
Further, the card holders can avail basic outpatient treatment for Rs.100 and specialty treatment for Rs.200. Follow up check-up for the next three months is free at any of the network hospitals. clinical investigations could be sought at 25 per cent discount. All the payments were to be made directly to the hospitals.
This follows the success of the Yeshasvini Gramina scheme launched by the Karnataka Government in 2002 under Congress regime led by Chief Minister SM Krishna which was operational from June 1, 2003, Mr Prasad said.
Yashaswini Cooperative Farmers Healthcare Scheme, which presently has over six lakh enrolled members from rural cooperative societies, will soon be extended to the entire state's population of 6.5 crore.
"The scheme is meant for middle and lower middle class. We have spent over Rs.50 crore in the rural Yashaswini Scheme and this year, we have allocated Rs.10 crore towards the urban Yashaswini scheme. If required, we will increase it," he added.
The state government has indicated that the scheme will prove to be beneficial to all sections of society, especially labrours, autorickshaw drivers, construction and factory workers.
There are more than 75 lakh members from urban cooperatives already registered and they will be able to avail this scheme. We aim to get another 30 to 40 lakh members enrolled this year, he said.
The Minister said while only 1 to 1.5 lakh people from the
SC/ST communities were enrolled so far, the urban scheme will have additional 11 lakh enrollments.
The key features of the scheme are that the beneficiary should be a member of an urban co-ops for at least three months. The members of defunct and liquidated employee cooperative societies are excluded.
It mandated the need for separate Yashaswini card for every family members. A beneficiary could enroll five family members. For the sixth family member to be enrolled, one could avail a premium reduction of 15 per cent.
Meanwhile, Mr Prasad said the government was well on target after the cooperative banks had disbursed crop loans to the extent of Rs 7555 crore and this could go up to Rs 10,000 crore by the end of 2014-15.
(Posted on 05-06-2014)