What is Yeshasvini Health Insurance Scheme?
The Yeshasvini Health
Insurance Scheme is a government-sponsored health insurance scheme in the
Indian state of Karnataka. It is designed to provide affordable healthcare
coverage to rural farmers and members of cooperative societies in Karnataka.
The scheme primarily targets those in the farming community who often struggle
to afford quality healthcare.
Under the Yeshasvini Health
scheme, beneficiaries pay a nominal premium, and in return, they receive
coverage for various medical treatments and procedures, including surgeries
upto Rs. 5 Lakh. The scheme operates through a network of empanelled hospitals,
where beneficiaries can avail themselves of cashless treatment. The scheme aims
to reduce the financial burden on families during medical emergencies and
improve access to healthcare services in rural areas.
The Yeshasvini Health
Insurance Scheme has been instrumental in providing financial protection to
farmers and rural residents in Karnataka, ensuring they receive timely medical
care without facing significant financial hardships.
The
Yeshasvini Health Insurance Scheme in Karnataka offers several features:
Affordable
Premiums: The scheme offers health insurance coverage at a
nominal premium, making it accessible to rural farmers and members of
cooperative societies who may have limited financial resources.
Cashless
Treatment: Beneficiaries can avail themselves of cashless
treatment at empanelled hospitals. This means they do not have to pay for
covered medical expenses upfront, as the insurer settles the bills directly
with the hospitals.
Coverage
for Various Medical Treatments: The scheme provides
coverage for a wide range of medical treatments and procedures, including
surgeries, hospitalization, diagnostic tests, and medications. This
comprehensive coverage ensures beneficiaries have access to necessary
healthcare services.
Network
of Empanelled Hospitals: Yeshasvini operates through a
network of hospitals that have partnered with the scheme. Beneficiaries can
choose from these hospitals for their medical treatment, ensuring quality care
is accessible within their vicinity.
No Age Limit: Unlike some insurance schemes that have age limits for enrolment, Yeshasvini Health Insurance Scheme does not
have such restrictions. This makes it inclusive and ensures that individuals of
all age groups can benefit from the coverage.
Pre-existing Condition Coverage: The scheme also covers pre-existing medical conditions, ensuring that beneficiaries receive necessary medical care regardless of their health status prior to enrolment.
Renewability:
The scheme offers the option of renewing coverage, allowing beneficiaries to
continue benefiting from health insurance protection beyond the initial policy
term.
Overall, these features
make the Yeshasvini Health Insurance Scheme a valuable initiative aimed at
improving healthcare accessibility and affordability for rural residents in
Karnataka.