स्वास्थ्य बीमा✓ 100% सरकारी समर्थितKeralaसत्यापित: 2026-09-18 (180-दिवसीय SLA)
Kerala Karunya Arogya Suraksha Paddhati (KASP)
State-notified public health assurance program providing cashless medical treatment across Kerala.
बीमा सुरक्षा कवरेज₹5 Lakh Cashless Treatment
प्रीमियम दर100% Free / Subsidized by State
दावा निपटान अनुपात (CSR)98.2% (Direct Cashless)
आरंभ वर्ष2019
🛡️मुख्य लाभ एवं सुरक्षा विवरण (Key Benefits)
Consolidated health scheme integrating RSBY and PM-JAY across 700+ government and private hospitals in Kerala.
📋पात्रता की शर्तें (Eligibility Rules)
Eligible SECC families, pink and yellow ration card holders in Kerala.
📂आवश्यक दस्तावेज (Required Documents)
Aadhaar Card, State Ration Card / Jan Aadhaar / Parivar Pehchan Patra, Domicile certificate, Mobile number.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Caveats & Policy Exclusions)
Private hospital empanelment capped in certain rural taluks. High-demand organ transplants require Karunya Benevolent Fund supplement.
🚀आवेदन एवं दावा प्रक्रिया (How to Apply & Claim)
1. Verify family eligibility on state food security or health portal. 2. Obtain state health smart card or link Aadhaar at local CSC. 3. Present card at empanelled hospital network helpdesk during admission.