Benefit Amount
₹5 lakh per family per yearInsurance
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Kerala Karunya Health Scheme
The Kerala Karunya Health Scheme is a health insurance program that protects poor families in Kerala from the financial burden of serious illnesses. Under this scheme, BPL families get cashless treatment coverage up to ₹5 lakh per year at government and private hospitals without paying any money upfront. The scheme covers critical illnesses like cancer, heart disease, and major surgeries. To apply, visit karunyahealth.kerala.gov.in with your Aadhaar Card, BPL Ration Card, and bank account details.
Ministry
Health Department
✓Who Is Eligible?
The Kerala Karunya Health Scheme is designed to provide health insurance coverage to economically weaker families in Kerala. This scheme is open to all Below Poverty Line (BPL) families living in Kerala, regardless of their age or gender. There is no specific income limit mentioned, but your family must be officially registered as BPL with a valid BPL Ration Card issued by the government. The scheme welcomes applicants from all social categories and castes, with no discrimination based on religion or community. Both men and women of all ages are eligible to apply and benefit from the scheme. If you are a resident of Kerala and have a BPL Ration Card, you can apply regardless of your occupation or employment status. The scheme covers the entire family under a single registration, providing cashless treatment at both government and private hospitals across Kerala. However, please note that you must have a valid bank account to receive any reimbursements or benefits under this scheme. For specific clarifications about your eligibility status or if you have questions about whether your family qualifies, it is recommended to visit the official website karunyahealth.kerala.gov.in or contact the scheme administrators directly, as individual circumstances may vary.
Quick eligibility check:
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Gender: Male, Female, Other✓
Category: General, OBC, SC, ST📝How to Apply for Kerala Karunya Health Scheme
To apply for the Kerala Karunya Health Scheme, follow these simple steps:
1. First, check if you are eligible by confirming that your family is registered as Below Poverty Line (BPL) in Kerala and you have a valid BPL Ration Card.
2. Gather all required documents including your Aadhaar Card, BPL Ration Card, and your bank account details (account number and IFSC code).
3. Visit the official website karunyahealth.kerala.gov.in using any internet-enabled device like a computer, tablet, or smartphone.
4. Look for the application or registration link on the website homepage and click on it to start the application process.
5. Fill in all the required information carefully, including your personal details, family information, Aadhaar number, and bank account details as asked in the form.
6. Upload the scanned copies of your Aadhaar Card and BPL Ration Card as required by the application form.
7. Review all the information you have entered to ensure there are no mistakes, then submit your application.
After submission, you will receive confirmation and your application will be processed by the health department. You can check the status of your application on the same website using your reference number. For any assistance during the application process, you can contact the official support team through the website.
Visit Official Portal →📄Documents Required3 required
?Frequently Asked Questions
1What is the maximum amount covered under Kerala Karunya Health Scheme?
The scheme covers cashless treatment up to ₹5 lakh per family per year. This amount can be used for treatment of serious and critical illnesses at empaneled hospitals across Kerala.
2Do I need to pay money at the hospital while getting treatment under Karunya?
No, the scheme is completely cashless. You do not need to pay any amount at the hospital. The scheme settles all bills directly with the hospital. You only need to show your health card at the time of admission.
3What documents do I need to apply for Kerala Karunya Health Scheme?
You need three documents: (1) Aadhaar Card, (2) BPL Ration Card, and (3) Bank Account details. These documents need to be submitted when applying on the official portal karunyahealth.kerala.gov.in.
4Which families are eligible for this scheme?
Below Poverty Line (BPL) families in Kerala are eligible. There is no age limit or income ceiling. Families of all social categories (General, OBC, SC, ST) and both genders can apply.
5Which hospitals can I visit under this scheme?
You can visit any empaneled government or private hospital in Kerala that has agreed to provide cashless treatment under the Karunya scheme. A list of empaneled hospitals is available on the official portal.
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