Karnataka Yashasvini Health Insurance Scheme – Register Now

Yashasvini Health Insurance Scheme Karnataka | Yashasvini Scheme (YCFHS) 2023 | Features and Benefits, Eligibility Criteria, & Online Registration

State governments around the country have made ongoing efforts to provide superior medical care to the general public, particularly the economically disadvantaged sector of the population. Rural workers and farmers are denied access to healthcare services due to the expense. As a result, several government initiatives have been launched to improve citizens’ health and cut medical costs.

One such initiative is the Government of Karnataka’s Yashasvini Scheme. The Karnataka government uses it as one of the most common forms of health insurance for Indian farmers. Read on to learn more about the Yashasvini Health Insurance Scheme, including its features and benefits, eligibility criteria, coverage provided, registration, a list of medical services covered, network hospitals included, and much more.

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Yashasvini Health Insurance Scheme 2023

A community-based medical insurance plan for middle-class and lower-middle-class workers in Karnataka’s informal economy is called the Yashasvini Scheme. To offer comprehensive coverage to farmers who are members of state cooperative groups, S.M. Krishna, a former chief minister of Karnataka, launched the Yeshasvini Health Insurance Scheme in 2003. It offers coverage to individuals in over thirty districts of Karnataka.

The Department of Cooperatives administers this initiative in conjunction with the Government of Karnataka. To provide rural unorganized workers inexpensive access to essential healthcare facilities, it uses funds collected by cooperative societies through the Yeshasvini trust. The Yeshasvini Cooperative Health Care Trust, registered under the Indian Trust Act of 1882 manages the scheme.

Karnataka Yashasvini Health Insurance Scheme

Yashasvini Scheme Administration

Department of CooperationIt also monitors the beneficiaries’ entry and evaluates all necessary publicity for the program.
Cooperative societiesTo Enroll beneficiaries in the scheme
Network hospitalsTo Provide all medical resources to program beneficiaries, with restrictions
Management Support Service Provider (IRDA licensed)oversees the resolution of claims and other administrative issues matters
Yeshasvini Cooperative Farmers Health Care Trust BoardMeets every three months to address critical policy problems and assess the scheme’s funding allocation.

Benefits of the Yashasvini Health Insurance Scheme

The Yashasvini Scheme, which is available solely in Karnataka, covers the entire state. Here are some of the main benefits of the scheme.

  • Beneficiaries can also receive lower rates for a variety of diagnostic tests under this insurance plan.
  • To be eligible for the benefits of this insurance plan, you must be a member of the Karnataka Rural Co-operative Society for at least three months. You will then be the main character.
  • This program is open for enrollment from July to October of each year.
  • You can also take advantage of reduced-cost hospital stays at several network hospitals through this program.
  • The maximum age for purchasing a policy for a newborn child is 75.
  • Those who enroll during the stipulated period may enjoy the benefits at any time between June 1 and May 31 of the following year.

Yashasvini Health Insurance Financing & Coverage

The Yeshasvini Co-operative Farmers Health Care Scheme is one of India’s largest self-funded healthcare programs. Beneficiaries must make small annual contributions to obtain the benefits of the Yeshasvini Co-operative Farmers Health Care Scheme, making it a contributory scheme.

Farmers can get coverage of up to Rs. 2.5 lakh under the Yeshasvini Health Insurance Scheme for a yearly cost of no less than Rs. 250. Farmers who join in this program are protected from medical emergencies involving family members.

Eligibility Criteria for Applying the Insurance Scheme

  • People under the age of 75 can apply for the program.
  • Starting August 1 and ending July 31
  • Even if they are not members of the rural cooperative society, the major recipient’s family members are eligible for benefits under this scheme.
  • The rural areas of Karnataka Cities and Corporations are not covered.

Eligible Members

A person can join a cooperative society before the scheme’s first six months begin.

  • Rural Co-operative Society Members
  • Members of Weaving Co-operative Societies
  • Self-help Groups Addressing Co-operative Society
  • Members of Beedi Workers Co-operative Societies
  • Members of the Fisherman Co-operative Society


The Department of Cooperation of the Government of Karnataka publishes enrolling and renewal rules every year. The Deputy Registrar of Cooperative Societies and Cooperative Development Officers, among others, assist with beneficiary enrollment and premium collection.

Following collection, money is transferred from District Central Cooperative Banks to Apex Bank in Bangalore. The district registrar of cooperatives issued a letter during the first year.

Throughout the second year, photo ID cards were provided. Members have been receiving enrollment documentation for Unique Health Identification since 2008. The enrollment form includes information about the principal beneficiary, his or her family, relationships, and other information.

Required Documents for the Scheme

  • Age proof
  • Address Proof
  • A certificate proving a person’s involvement with rural or urban cooperative societies.

Yashasvini Health Insurance Scheme Registration

To register for this program, the applicant must have been a member of the cooperative societies for a minimum of three months. Annually, fresh enrollment for the Karnataka Yeshasvini plan is done at all pertinent corporative entities in May or June.

Yashasvini Health Insurance Scheme Karnataka

Yashasvini Scheme Implementation Strategy

At each Network Hospital visit, a coordinator verifies the beneficiary’s identification card, pays the enrollment cost, and authorizes the initial diagnosis. If surgery becomes necessary, a pre-authorization application is sent to MSP. Professionals look over the request. The beneficiary can have any surgery performed cashless, up to the predetermined limits.

The patient’s signed bill summary and any other required documentation are sent by the network hospitals to MSP for processing of claims. After receiving the invoices, the Yeshasvini Health Insurance Scheme Trust pays the network hospitals through MSP within 45 days.

Implementing Steps for the Yashasvini Health Insurance Scheme

730 network hospitals connected to the trust are implementing the Yeshasvini Health Insurance Scheme. Included are both private and state hospitals. The trust grants the network hospitals permission to offer healthcare services in accordance with the empanelment guidelines.

The Management Support Service Provider (MSP) arranges for cashless healthcare through these 730 network facilities. The Yeshasvini Health Insurance Scheme is implemented through the following steps.

  • The Yeshasvini beneficiary visits a network hospital that the trust approves and acknowledges.
  • A UHID card will be examined by a network hospital coordinating officer for the beneficiary.
  • There is a fee for the enrolling party.
  • After that, the patient has to undergo a preliminary diagnosis and a few basic medical tests.
  • Based on the first diagnosis, the network hospital will send the MSP an online request for pre-authorization along with any necessary supporting documentation.
  • The doctors selected by the MSP will review the request, and the following day, approval will be given.
  • The network hospital will honor the program’s limitations while providing the beneficiary with cashless care.
  • After the patient is discharged, the network hospital will submit the MSP the original bills, discharge summary, and other medical information to pay the claim.
  • The trust will settle the claim with the network hospital through the MSP within 45 days of receiving the documentation.

Yashasvini Health Insurance Services

Members of Urban and rural Co-operative Societies are eligible to participate in the Yeshasvini health program. Let’s have a look at its including & excluding services and network hospitals.

Covered Medical Services

General SurgeryGynecology Surgery
Orthopedic, Pediatric, Cardiothoracic SurgeryCardiac Arrest
Vascular SurgeryObstetrics
Neurological SurgeryNeonatal Intensive Care
Normal DeliveryDog Bite
Ophthalmology SurgeryDrowning
Genito-urinary SurgerySnakebite
Surgical OncologyAccidents during the Operation of Agricultural Implements

Un-covered Services under the Scheme

Kidney transplantHeart transplant
Diagnostic investigationsRoad accidents
BurnsVaccination or inoculation
DialysisSkin treatment or grafting
Cosmetic surgeryCost of vitamins, or sanitary items
Implants, prosthesisChemotherapy
Dental surgeryJoint replacement surgery
Post-surgery follow-up treatmentInpatient medical treatment

Network Hospitals Included in the Yashasvini Scheme

There are about 572 network hospitals, according to the Yeshasvini Co-operative Farmers Health Care Scheme.

District NameNumber of network hospitals
Dakshina Kannada26
Bangalore Rural7
Bangalore Urban61
Uttara Kannada18

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