Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance
Cashless secondary and tertiary health insurance coverage of ₹5 Lakh per year per family across empanelled hospitals available across districts in Kerala.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Over 42 Lakh families enrolled in Kerala
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Resident families of Kerala holding NFSA priority pink/yellow ration cards or verified non-priority subsidy blue cards.
Required Documents Checklist
Verify readiness before applying for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readyKeep self-attested photocopies and clear digital scans (100 KB – 200 KB, PDF/JPG format) ready to avoid portal upload timeouts.
Worried About Application Rejection for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance?
Over 30% of applications on official portals get delayed or rejected due to minor certificate authority mismatches or unseeded bank accounts. Our civic research desk compiles a verified 1-page Scheme Blueprint tailored to your state and profile.
- ✓Valid issuing authority rules (Tehsildar/SDM)
- ✓Aadhaar-DBT bank seeding verification
- ✓Direct official portal guide (no middlemen)
- ✓Email delivery in 1–2 hrs during desk hours
🔒 Secure Razorpay Checkout • 100% Independent
Application Effort & Process Friction
Readiness assessment derived from official prerequisites, mandatory documentation, and submission channels.
Effort scores reflect portal accessibility, mandatory document burden, and physical verification requirements.
How to Apply
- 1
Check eligibility on sha.kerala.gov.in using Ration Card or Aadhaar number.
- 2
Present Golden Card or Ration Card at the KASP helpdesk / Arogyamithra counter in any empanelled hospital.
- 3
Pre-authorization initiated digitally for cashless treatment, surgery, and diagnostics.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-resident individuals or households above the statutory entitlement registry.
Official Government Application Portal
You will be redirected to the secure official portal: sha.kerala.gov.in
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Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
What is the annual coverage limit under KASP?
₹5 Lakh per family per annum on a family-floater basis.
Source: Official Scheme FAQ ↗Does KASP cover pre-existing diseases?
Yes, all pre-existing medical conditions are covered from day one.
Source: Official Scheme FAQ ↗Who is eligible to apply for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance?
Eligible applicants must satisfy official government criteria for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance. Age: max 100 years. Annual family income ceiling: ₹3,00,000. Conditions: Resident families of Kerala holding NFSA priority pink/yellow ration cards or verified non-priority subsidy blue cards..
Source: Official Scheme FAQ ↗How do I apply for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance? What is the official process?
To apply for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance, applicants should follow the official procedure: 1. Check eligibility on sha.kerala.gov.in using Ration Card or Aadhaar number. 2. Present Golden Card or Ration Card at the KASP helpdesk / Arogyamithra counter in any empanelled hospital. 3. Pre-authorization initiated digitally for cashless treatment, surgery, and diagnostics.
Source: Official Scheme FAQ ↗Can I track my Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance application status?
Application status for Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance can typically be tracked through the official portal at sha.kerala.gov.in using your Aadhaar number, application reference number, or registered mobile number. Alternatively, contact the scheme helpline or visit your nearest Common Service Centre (CSC).
What should I do if my Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance payment is delayed or rejected?
First, verify your Aadhaar-bank account seeding status on the NPCI mapper (npci.org.in). If seeding is confirmed and payment is still pending, register a complaint on the Central Public Grievance Redressal System at pgportal.gov.in. You may also file an RTI application at rtionline.gov.in to obtain official rejection reasons within 30 days.
Is there an income tax implication for receiving Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance benefits?
Agricultural income and certain welfare subsidies may be exempt from income tax under Section 10 of the Income Tax Act, 1961. Tax treatment varies by scheme type and beneficiary income level. Consult a certified tax practitioner or visit incometax.gov.in for scheme-specific tax guidance.
Common Rejection Reasons & Warnings
Non-resident individuals or households above the statutory entitlement registry.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-18 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 215 | Official Source ↗ |
| 2026-10-06 | short_description | Cashless secondary and tertiary health insurance coverage of ₹5 Lakh per year per family across empanelled hospitals available across districts in Kerala. | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Karunya Arogya Suraksha Paddhati (KASP) Kerala Health Assurance guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous 24x7 cashless hospital admission and annual card generation
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Requires documentation or office visit
Related Welfare Programs
World largest government-funded health assurance scheme providing ₹5 lakh annual cashless health cover per family for secondary and tertiary care hospitalization.
Direct benefit maternity benefit scheme under Mission Shakti offering cash incentives up to ₹6,000 for pregnant women and lactating mothers.
National affordable medicine initiative providing high-quality generic medicines and surgicals through dedicated Kendra outlets at 50% to 90% lower prices.
📅Scheme Milestone Timeline
Cashless secondary and tertiary health insurance coverage of ₹5 Lakh per year pe...
Official Source ↗Baseline verification of Karunya Arogya Suraksha Paddhati (KASP) Kerala Health A...
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Official Helpline & Nodal Offices
State Health Agency (SHA), Kerala
5th Floor, Artech Meenakshi Plaza, Thycaud, Thiruvananthapuram, Kerala 695014
Helpline: 0471-4063121
Jurisdiction: State (Kerala)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-26 against official government documentation.
Eligo is an independent information platform unaffiliated with any government body. Always confirm latest terms directly on the official portal.