Khadi Karigar Janashree Health Assurance
Integrated health and disability protection for rural spinning and khadi fabric weavers.
Sum Insured / Cover
₹3 Lakh – ₹5 Lakh Cashless Cover
Annual Premium
100% Subsidized (Welfare Cess funded)
Claim Settlement
95.5% (Welfare Board Settled)
Network / Scope
27,000 Empaneled
✦ Key Benefits & Policy Coverage
Integrated health and disability protection for rural spinning and khadi fabric weavers. Zero co-payment, full coverage of doctor fees, diagnostic tests, medications, and general ward room rent.
What is Missing: Critical Policy Exclusions & Limitations
Eligo disclosure: Private insurance agents and official ads rarely mention these limitations. Verify before relying on this coverage.
Beneficiary must be registered with the relevant statutory welfare board or unorganized worker e-Shram portal. OPD clinic visits outside empaneled network are non-reimbursable.
✦ Eligibility Requirements
Active unorganized workers registered on e-Shram portal or state unorganized workers welfare board.
✦ Application, Enrollment & Claims Process
1. Verify active registration on e-Shram portal or state welfare board.
2. Obtain Ayushman PVC card linked to e-Shram UAN.
3. Present UAN/Ayushman card at empaneled hospitals.Official Portal
Official Government / PSU Portal
Apply or verify on the official administrative domain
✦ Documents Checklist
Aadhaar Card, e-Shram Card / Board ID, Bank Passbook, Ration Card.
✦ Life Situations Where This Scheme Helps
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Job Loss, Skill Training & Livelihood
Guaranteed rural wage employment, urban street-vendor loans, free vocational training, and self-employment rehabilitation programs.
Health Emergency & Medical Care
Cashless hospital treatment up to ₹5 Lakh, free essential medicines, diagnostic services, and critical illness financial support.
Underwriting Entity & Public Grievance Contact
Administering Body:
Government of India