Yeshasvini Health Insurance Scheme

Understanding Yeshasvini Health Insurance Scheme

Yeshasvini Health Insurance Scheme is an initiative of the Karnataka government to ensure affordable medical care for the rural masses, mainly farmers and their family members. This reduces financial burden and ensures access to quality healthcare. 
In this article, we will explore the details of the Yeshasvini Health Insurance Scheme, including its benefits, coverage, eligibility criteria, hospital list, and procedure for obtaining the Yeshasvini Health Insurance card. Keep reading. 

What is the Yeshasvini Health Insurance Scheme?

The Yeshasvini Health Insurance Scheme, launched in 2003 by the Karnataka government, is an initiative to provide affordable healthcare services to the country's rural population. It covers a range of medical conditions, surgeries, and treatments, ensuring that farmers, their families, and other rural citizens can access high-quality healthcare at minimal or no cost.

The most prominent characteristic of the scheme is that it covers a vast network of private and public hospitals in Karnataka. Thus, beneficiaries can seek treatment at the designated Yeshasvini Health Insurance Scheme network hospitals with minimum out-of-pocket expenses. 

This scheme primarily focuses on covering surgical treatments, including but not limited to procedures for heart disease, orthopedic conditions, and certain types of cancers. Being government-backed, it has significantly helped thousands of families avoid catastrophic health expenses.

Benefits under the Yeshasvini Health Insurance Scheme

Following are some of the Yeshasvini Health Insurance Scheme benefits:

1.Wide Coverage for Health Conditions: Yeshasvini Health Insurance Scheme provides wide coverage for a range of medical conditions and surgeries. They include: 

●  Heart surgeries 
●  General surgery 
●  Neurosurgery 
●  Polytrauma 
●  Orthopaedic treatments, etc.

1.No Waiting Period: Unlike most other health insurance schemes, no waiting period exists for availing the benefits of the Yeshasvini Health Insurance Scheme. Members can get access to the covered services from the very first day of enrollment in the scheme.

2.Cashless Treatment: Beneficiaries can avail of cashless treatment at Yeshasvini Health Insurance Scheme network hospitals. This largely takes the burden off the patients and their families in terms of the costs incurred.

3.Low Premium Charges: The premiums for enrolling in the Karnataka Yeshasvini Health Insurance Scheme are extremely low. For instance, the premium for a rural family of four is just ₹500 per year. 

4.Access to Quality Hospitals: Beneficiaries have access to high-quality medical facilities and renowned hospitals within the Yeshasvini Health Insurance hospital list. This includes a large number of private and public healthcare centres across Karnataka.

Yeshasvini Health Insurance Scheme Coverage

The Yeshasvini Health Insurance Scheme in Karnataka fully covers most health services. This is more so inclined to surgery and serious diseases. Below is the breakdown of what falls under the scheme:

• Surgical Treatments: Includes full coverage of several surgical treatments.
• Cost of Hospitalization: Hospitalization charges are included, which may range from the charge of admission to room rent and nurses, as well as doctor's fees. 
• Post-Surgical Care: This scheme also covers post-surgical care, wherein follow-up visits, prescription drugs, and rehabilitation after major surgeries are included.
• Pre-existing Conditions: It pays for surgeries and treatments for pre-existing diseases from the moment a person enrolls in this scheme. For individuals with chronic disorders that need to be operated on or treated in any specialized department, the Yeshasvini Health Insurance Scheme offers the best options.
• Maternity and Newborn Care: The scheme covers some maternity-related treatments and newborn care, such as delivery and post-delivery care, making it more inclusive for families.
• Ayurvedic and Traditional Treatments: In some cases, the scheme also covers traditional or alternative treatments like Ayurvedic care, primarily when the treatment is related to the patient's specific condition.

Furthermore, this scheme covers the treatment of critical illness. They include stroke, paralysis, heart attack, and diseases concerning the kidney, therefore providing overall health coverage to individuals. 

Yeshasvini Health Insurance Scheme Network Hospital List

One of the key benefits of the Yeshasvini Health Insurance Scheme is that it has a tie-up with a large number of hospitals in Karnataka. They include reputed private and government hospitals spread across both urban and rural areas.  

Some prominent hospitals listed in the Yeshasvini Health Insurance Scheme network hospital list are:

• Arogyadhama Hospital
• Jeevan Maternity & Surgical Hospital
• Oncoville Cancer Hospital and Research Centre
• Apex Hospital 
• VAM Hospital, and more. 

Eligibility for Yeshasvini Health Insurance Scheme

The Yeshasvini Health Insurance Scheme eligibility criteria are as follows:

1. Farmers and Agricultural Laborers: This scheme is targeted primarily at farmers and agricultural labourers, who constitute a major chunk of Karnataka's rural population. Farmers are eligible to enroll themselves in the scheme if they are members of a farmer's association or cooperative society.
2. Rural People: Even though the scheme is mainly targeted at farmers, it is open to other rural people of Karnataka belonging to the economically backward sections of society.
3. Age Limit: Beneficiaries will generally fall in the age group prescribed by this scheme. Usually, it will be between 18 and 70 years. Age limits will vary according to the type of treatment or surgery adopted.
4. Excluded Categories: Certain categories of people may not be eligible if they are covered under other government health schemes or under private insurance policies.

Yeshasvini Health Insurance Card: A Ticket to Medical Benefits

The Yeshasvini Health Insurance Card is issued to a person who becomes eligible for the Yeshasvini Health Insurance Scheme. It serves as proof of enrollment in the scheme and helps to avail cashless treatment at empanelled hospitals.

This card must be presented at the network hospital while the beneficiary is being treated. It must be carried out during every visit to the hospital to cover the treatment under the scheme. The card also includes important details such as the beneficiary's name, the type of coverage, and the validity period of insurance.

Yeshasvini Health Insurance Guidelines

Beneficiaries need to adhere to the following Yeshasvini Health Insurance guidelines in order to enjoy smooth coverage:

1. Post-Surgical Care: Individuals must register with a farmer's association or cooperative society to be eligible for the scheme. The registration process involves submitting the necessary documents and paying the nominal premium.
2. Treatment Guidelines: The scheme specifies the type of treatments and surgeries covered, including the maximum amount that can be claimed. There are predefined limits on the financial coverage for each treatment or surgery.
3. Approved Hospital List: The choice of treatment provider by the beneficiary needs to be from the approved hospital list.
4. Pre-authorization for Certain Treatment: The insurance company must pre-approve some expensive treatments before they can be covered under the scheme.
5. Exclusions: Some ailments and treatments might be excluded from the coverage of the Yeshasvini Health Insurance Scheme. Hence, the beneficiaries should know what is excluded.

The Yeshasvini Health Insurance Scheme provides affordable healthcare to families in villages, particularly in Karnataka, through inclusive coverage, reduced premiums, and a wide network of hospitals. This also serves as a massive step toward facilitating universal health coverage, resulting in reduced mortality rates and stronger economic growth.