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Yeshasvini Health Insurance Scheme, one of India's first community-based health programs, was designed to empower rural farmers and cooperative members in Karnataka. It is not merely a health card—it's a passport to dignity, care, and security for thousands of poor families.
Introduced in 2003, the scheme covers costs for various procedures at several medical facilities, such as treatment for animal bites and farm accidents. It is intended to provide healthcare support to weavers, farmers, fishermen, self-help groups, and Stree Shakti groups of the state.
Read ahead to learn more about this scheme's operation, features, eligibility criteria, and other details.
Although it was initiated in 2002, the Yeshasvini scheme officially began in 2003. It focused on enhancing the availability of healthcare services for poor people and improving the economic situation across the state. It soon developed a wide network and became India's largest health micro-insurance program.
Since its launch, the scheme has enrolled around 2 million people, providing more surgical procedures, outpatient department (OPD) services, a help desk for policyholders, and a number of other benefits.
The Yeshasvini Health Insurance Scheme offers various salient features for its members, including:
The Yeshasvini Scheme is a medical insurance program founded for members of cooperative societies across Karnataka, wherein financial assistance towards healthcare expenditure is offered.
On a community basis, members of the cooperative society contribute to the common fund and are governed by the Yeshasvini Cooperative Members Health Care Trust. The trust promotes cashless services for over 1,600 procedures at constituent hospitals.
The Yeshasvini Health Insurance scheme is a carefully drafted healthcare scheme that attempts to cater to the medical requirements of Karnataka's rural and cooperative sector population. It provides financial cover, quality medical care, and peace of mind for thousands of families. Listed below are the benefits of this scheme:
The scheme provides a maximum annual health coverage of ₹5 lakhs to a family. This large amount covers the expenses of surgeries, treatments, and hospitalizations for families, particularly those living below the poverty line.
Beneficiaries are eligible for treatment of over 1,650 medical conditions, including 823 vital surgical procedures. With such expansive coverage, the most prevalent and serious health conditions are taken care of smoothly.
The scheme offers cashless, hassle-free treatment at empanelled hospitals. The patient only needs to submit their Yeshasvini membership card, and billing is directly settled between the insurer and the hospital.
The scheme offers treatments at fixed and discounted prices, making them much cheaper than normal hospital rates, particularly for high-cost surgeries.
Along with treatments, beneficiaries also get discounts on diagnostic tests, which are otherwise excluded from general insurance schemes. This also cuts down on total medical costs.
The scheme covers various medical costs such as surgery charges, cost of medicines, operation theatre charges, consultation charges, anaesthesia, nursing, and bed charges—providing almost complete financial coverage while being hospitalized.
Any individual who has been a member of a Karnataka rural cooperative society for a minimum of three months is entitled to the same. Once a member, the benefits automatically cover all family members, even if they are not direct members of the society.
The premium amount is low, so it is affordable. Rural society members pay ₹500 for four family members, with ₹100 per additional member. Urban cooperative members pay ₹1,000 for four, with ₹200 for extra members. The government pays the premium completely for SC/ST families.
The scheme also encompasses members of Self-Help Groups (SHGs), Stree Shakti Groups, and cooperative societies of fishermen, weavers, and Beedi workers—provided they are connected to a cooperative society or bank.
Mentioned below are the eligibility criteria for the Yeshasvini Scheme:
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:
Getting a Yeshasvini health card is a simple process that allows you to enjoy the benefits of the Yeshasvini Health Insurance scheme. This card gives you access to quality and affordable healthcare services at reputed network hospitals. Here's how to get it:
Do not forget to renew your card annually by paying the premium in order to continue enjoying the scheme's benefits.
Here's a step-by-step guide on how to avail benefits under the Yeshasvini Health Insurance Scheme:
The Yeshasvini Scheme provides comprehensive coverage, which the enrolled beneficiaries can use to avail themselves of all types of medical treatments, acting as a supporting pillar for rural families. Here's what they can look forward to:
The Yeshasvini Scheme is not only an insurance scheme—it's a ray of hope for rural households. Merging affordability with accessibility has saved lives and protected livelihoods in Karnataka. Yeshasvini highlights how an effective insurance policy and a people-centred approach can make a real difference in people's lives.
Also Read:
→ How to Apply for a Yeshasvini Card
→ Who Are Not Eligible for a Yeshasvini Card in Karnataka
→ How to Claim a Yeshasvini Card