Who Are Not Eligible for a Yeshasvini Card in Karnataka?

Yeshasvini Health Insurance: Ineligibility Rules and Key Restrictions

In Karnataka, the Yeshasvini Health Insurance Scheme has proved to be a lifeline for thousands of rural families, providing affordable healthcare in a state where the cost can otherwise seem overwhelming.

The scheme, initiated to provide assistance to farmers and members of rural cooperatives, has made a huge difference in the state. However, this benefit is not available to everyone. Are you wondering who is not eligible for a Yeshasvini card and why? Let's break it down to understand it better.

Who is Not Eligible for a Yeshasvini Card?

The Yeshaswini Health Insurance Scheme is meant for the support of certain groups of people, and some are disqualified on the basis of employment, income, and age, among others. Listed below are the types of people not covered:

● Married daughters residing outside the coverage area of the scheme.

● Members of employees' cooperative societies, as the scheme aims at other groups of cooperative members.

● Employees of the government or private sectors who are receiving a regular salary.

● People who are earning more than ₹30,000 per month.

● Individuals above 75 years, since there is an age limit for registration under the scheme.

Who is Eligible for the Yeshasvini Card?

Now that you know who is not entitled to getting a Yeshasvini card, let’s take a look at the list of people who fit under the Yeshasvini scheme and are availing of this card:

● Those who are members of self-help groups formed by district central cooperative banks or primary agriculture cooperative societies are also eligible.

● Rural self-help group members or members of cooperative societies are eligible to apply for this health insurance scheme.

● People with a membership in a cooperative society for at least 90 days.

● Cooperative society members who are employed as beedi rollers, weavers, or fishermen are eligible for this program.

● Beneficiaries of less than 75 years of age.

How to Get a Yeshasvini Health Card?

The Yeshasvini Health Card provides cashless and affordable healthcare to eligible Karnataka residents. Here's how you can obtain one:

Step 1: Be an active member of a registered cooperative society under the Karnataka Cooperative Societies Act, Souharda Sahakari Act, or Multi-State Cooperative Societies Act, with a minimum three-month membership.

Step 2: Go to your cooperative society or SHG branch and obtain the UHID enrollment form. Provide information about yourself and your family members.

Step 3: Keep the documents handy: membership proof, aadhaar cards, ration cards, two passport photos for each member, and a caste certificate if needed.

Step 4: Pay the annual premium of ₹500 (rural) or ₹1,000 (urban) for up to four members and ₹100/₹200 for every extra member and submit the necessary documents along with the filled-out application form.

Step 5: After this, the cooperative society will be processing your enrollment

Step 6: Once verified, they will issue you a Yeshasvini Health Card with your Unique Health Identification (UHID) number and family information.

Step 7: Renew the card annually before it expires to continue receiving cashless treatment under the scheme.

Benefits of the Yeshasvini Scheme

The Yeshasvini Health Insurance Scheme is a specialized program of the government of Karnataka that helps people access quality healthcare services at reasonable prices. Following are the salient benefits of the scheme that eligible people can claim:

● Substantial Sum Insured: Members gain protection under a yearly health insurance cover with a sum insured of ₹5 lakhs, which may be used towards numerous treatments across network hospitals.

● Cashless Treatment: Treatment is possible without initial payment at empanelled hospitals. Members merely flash their cards, and the hospital bills the scheme directly, providing financial help during emergencies.

● Coverage of 1,650 Medical Treatments: The scheme provides the benefits of cashless claims for more than 1,650 illnesses, offering extended healthcare coverage against a wide range of diseases and surgeries.

● Standardized, Off-Discount Rates: Several treatment procedures have standard, off-discount rates that reduce the exchequer significantly compared to other hospital rates.

● Discounted Tests: While other insurance programs just offer reduced testing rates, the Yeshasvini plan also offers off-discount charges for diagnostic investigations, making life easier for its members before official treatment begins.

● Ample Family Coverage: As soon as a member serves 3 months in a rural cooperative society, the whole family becomes eligible for benefits—whether or not other members are registered with the society.

● Inclusive Eligibility for Diverse Groups: Stree Shakti Group members, SHG members, and cooperative societies of fishermen, weavers, and Beedi workers who are associated with banks or societies are also included to join the scheme.

The Yashaswini Card is a crucial rural empowerment tool that ensures smooth access to healthcare, but its benefits are closely focused. Since not everyone is eligible for this card, people need to check its eligibility parameters first before applying for it. With this card, you can receive healthcare services without breaking the bank.