Yashavini Scheme implementation process begins: Know Eligibility and Benefit

Karnataka former Chief Minister SM Krishna started the Yashasvini Health Insurance Scheme in 2002 with the view that the farmers, poor and economically weaker sections of the state should get health services at affordable rates. The scheme came into effect on June 1, 2003. It was discontinued over time.

Considering the continuous insistence and demand of the cooperatives and farmers of the state, then state government decided to re-implement the Yashasvini project which was suspended in 2018. 300 crore has been announced to implement the revised scheme in the budget of 2022-23. 100 crores have been provided for grant.

This scheme is being implemented by ‘Yashaswini Cooperative Members’ Health Care Trust’. Preliminaries have been initiated to implement the scheme for the state government’s ambitious Yashasvini Health Insurance Scheme for the year 2023-24. Member registration process will start from November.

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Beneficiaries have been given treatment from March 1, 2023 at Yashasvini network hospitals across the state and the plan period is up to December 31, 2023. The annual medical expenditure limit for a family is fixed at Rs 5 lakh. February 28 was the last day for membership registration. The government had extended the registration date of the Yashasvini scheme for the benefit of members of cooperative societies till March 31.

Initially a target of 30 lakh registrations was set. The target was exceeded by registering 47,43,753 members as on March 31. Yashasvini cards have been sent to districts to 13.27 lakh families so far. So far 590 network hospitals have registered under the scheme across the state. Beneficiaries started treatment in network hospitals from 1st Jan 2023. Till September 10, about 35000 beneficiaries received about Rs 59 crore. He has received the treatment facility in various network hospitals of the state.

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Process to get facility of Yashavini Scheme:

Yashasvini Beneficiaries need to visit the approved hospital under the scheme with their Unique ID number. original identification plastic card issued for use by members and original payment receipt in case of surgery. A total of 2128 treatments including 1650 treatments adopted under Ayushman Bharat scheme and 478 ICUs can be availed cashless in identified network hospitals by presenting this ID card.

100 crores have been allocated for Yashasvini Yojana in the budget for the year 2022-23. About 61.25 crores have been collected from members for membership registration. For the year 2023-24, the state government has budgeted Rs. 150 crore for this project.

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Yashavini Scheme Treatments:

Surgical Oncology, Dog Bites, Snake Bites, Neurological Surgery, General Surgery, Drowning, Gastroenterology, Ophthalmology, General Surgery, Neonatal Intensive Care, Joint Replacement Surgery, Kidney or Heart Transplant Diagnostic Investigations, Follow-up Treatments, Cosmetic surgery, burns, implants, prostheses and skin grafts, chemotherapy, autoimmune diseases and inpatient medical treatment, dental surgery, dialysis, road accidents.

Yashavini Scheme Eligibility:

Members of any cooperative society (rural and urban), members of self-help groups, cooperative fishermen, beedi workers, weavers, can become members of Yashasvini Yojana without any age limit on payment of fixed annual contribution. The scheme is not applicable to members of co-operative societies, inactive co-operative societies and employees’ co-operative societies.

The principal applicant and any member of his family working as a government employee or in a private company earning more than Rs.30 thousand per month or Rs.3.60 lakh per annum. Not eligible for this scheme if gross salary is more than If a member under any health insurance scheme, such person is not eligible to become a member under Yashavini Yojana. Maximum age limit to apply for the scheme is 75 years.

Annual membership- (family of four members) Rs.500 for rural and Rs 1000 for city people. And Rs 100 for single member and Rs 200 for city single member. Now the Government will bear the cost of the members of the Scheduled Castes/Scheduled Tribes. If the beneficiary wants to avail the benefits under this scheme, he/she first needs to approach any of the hospitals under the network.

The Coordinator reviews the application and approves the preliminary diagnosis after payment of the enrollment fee. If any further surgery or treatment is required that falls under the list of available treatments, pre-authorization requests are sent to the MSP. The hospital sends a bill to the MSP for payment of fees along with other necessary documents. Hospitals will receive payment from the trust within 45 days.

Total 590 network hospitals in the state are affiliated with Yashasvini health Insurance Yojana and the district wise list is as follows. Bengaluru City 57, Ramanagara 7, Tumkur 22, Kolar 6, Chikkaballapur 14, Chitradurga 11, Davangere 26, Shivamogga 30, Mysuru 36, Chamarajanagar 4, Mandya 19, Hassan 30, Chikmagalur 10, Kodagu 6, Dakshina Kannada 18, Udupi 14, Belgavi 53, Vijayapura 27, Bagalkote 55, Dharwad 17, Gadag 14, Haveri 20, Uttara Kannada 8, Bellary 12,Bidar 22, Kalaburagi 22,Koppal 12, Raichur 16, Yadagiri 2.