Kerala Karunya Health Insurance — Financial Aid for Illness

What is Kerala Karunya Health Insurance Scheme?

Karunya Arogya Suraksha Padhathi (KASP) — also known as the Kerala Karunya Health Insurance Scheme — provides financial assistance for hospitalization and medical treatment to Kerala residents below the poverty line. It is Kerala's implementation of PM-JAY (Ayushman Bharat) with state top-ups.

Key Benefits

Who is Eligible?

PM-JAY / KASP eligibility:

• Families listed in SECC 2011 socioeconomic survey as deprived, OR
• BPL families with annual income ≤ ₹3 lakh
• Kerala state has expanded PM-JAY beyond SECC to include additional categories

Check your eligibility: Go to beneficiary.nha.gov.in and enter your Aadhaar/name to see if you are in the PM-JAY database.

Critical Illness Top-up Under KASP

KASP additionally covers critical conditions like:

• Cancer (chemotherapy, surgery, radiotherapy)
• Organ transplants
• Rare diseases requiring specialized treatment

For these, the Kerala state government may authorize additional funding beyond the ₹5 lakh PM-JAY limit.

How to Use KASP / PM-JAY in Kerala

Step 1 — Check Eligibility and Get Ayushman Card

1. Visit beneficiary.nha.gov.in or the Ayushman Bharat App
2. Check if your family is listed
3. Generate your Ayushman Card (e-card)

OR visit your nearest Akshaya Centre (CSC) for assisted card generation.

Step 2 — Go to Empanelled Hospital

Find KASP-empanelled hospitals at arogyakeralam.gov.in.

Step 3 — Present Card at Arogya Mitra

At the hospital, go to the PM-JAY / KASP Help Desk. Present:

• Ayushman Card (or Aadhaar for verification)
• Ration card (if applicable)

Step 4 — Cashless Treatment

Eligible procedures are done cashless. Hospital claims from NHA/KASP.

Frequently Asked Questions

1. I am from Kerala and SECC listed. My treatment is in Chennai. Does KASP cover it?

Yes. PM-JAY (and KASP) is portable. Any KASP/PM-JAY empanelled hospital in any Indian state accepts your Ayushman card.

2. I am not in SECC but very poor. Can I enroll?

Kerala has expanded PM-JAY beyond SECC to include additional beneficiaries through state expansion. Contact your nearest Kerala Health Mission district office or Akshaya Centre for alternative enrollment routes.

3. My mother needs a kidney transplant. Is ₹5 lakh enough?

Kidney transplants can cost ₹5–15 lakh. Under KASP, the Kerala state may provide additional top-up for organ transplants. Approach the hospital's KASP help desk and the Kerala Health Mission for pre-authorization of enhanced limits.

4. I have an Ayushman card but my name is wrong. How to correct it?

Visit your nearest Akshaya Centre or District KASP office with your Aadhaar (which has the correct name) for name correction in the beneficiary database.

Official Links