Karunya Arogya Suraksha Padhathi (KASP) Kerala
Comprehensive cashless health hospitalization cover up to ₹5,00,000 per family per year for over 42 Lakh low-income households across Kerala.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹1,200 Crore annual outlay funded jointly by Kerala State and Central Government
Official Budget Document ↗Over 42 Lakh beneficiary families enrolled across Kerala
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Must be a resident family of Kerala holding a Priority Household (Pink/Yellow) ration card or enrolled in the SECC 2011/RSBY legacy database.
Required Documents Checklist
Verify readiness before applying for Karunya Arogya Suraksha Padhathi (KASP) Kerala. Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(2)
Check off as readySupporting / Optional Documents(1)
Keep 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 Padhathi (KASP) Kerala?
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 beneficiary inclusion in the KASP beneficiary roster using the Ration Card number on sha.kerala.gov.in.
- 2
Visit any empanelled hospital carrying the Kerala Ration Card (Priority or Non-Priority Subsidy category) and Aadhaar cards of family members.
- 3
Approach the KASP Help Desk manned by the hospital Ayushman Pradhan Mantri Arogya Mitra (PMAM).
- 4
PMAM verifies the family on the portal and generates the KASP Golden Card via biometric e-KYC.
- 5
During hospital admission, the hospital submits an electronic pre-authorization request to SHA Kerala for instant cashless treatment.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-possession of an active Kerala ration card or family not listed in the verified SECC/BPL beneficiary database.
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.
Is there any restriction on the number of family members covered?
No, KASP covers all family members listed on the valid ration card without any restriction on age or family size.
Source: Official Scheme FAQ ↗Are pre-existing diseases covered under KASP?
Yes, all pre-existing illnesses and chronic medical conditions are covered from day one without any waiting period.
Source: Official Scheme FAQ ↗What additional benefit does Karunya Benevolent Fund (KBF) provide?
For specific catastrophic treatments like organ transplants where costs exceed ₹5 Lakh, additional financial assistance up to ₹2 Lakh can be sanctioned under KBF.
Source: Official Scheme FAQ ↗Who is eligible to apply for Karunya Arogya Suraksha Padhathi (KASP) Kerala?
Eligible applicants must satisfy official government criteria for Karunya Arogya Suraksha Padhathi (KASP) Kerala. Age: max 100 years. Annual family income ceiling: ₹3,00,000. Conditions: Must be a resident family of Kerala holding a Priority Household (Pink/Yellow) ration card or enrolled in the SECC 2011/RSBY legacy database..
Source: Official Scheme FAQ ↗Can I track my Karunya Arogya Suraksha Padhathi (KASP) Kerala application status?
Application status for Karunya Arogya Suraksha Padhathi (KASP) Kerala 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 Padhathi (KASP) Kerala 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 Padhathi (KASP) Kerala 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-possession of an active Kerala ration card or family not listed in the verified SECC/BPL beneficiary database.
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 ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Karunya Arogya Suraksha Padhathi (KASP) Kerala guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
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Application Window & Deadlines
Continuous card generation at all empanelled hospital helpdesks and Akshaya e-Kendras
🛟Grievance & RTI Channels
Scheme Intelligence
How is this calculated? ↗Verified 23d ago from .gov.in source
Apply online with minimal documents
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📅Scheme Milestone Timeline
Baseline verification of Karunya Arogya Suraksha Padhathi (KASP) Kerala guidelin...
Official Source ↗Schemes You Can Stack With This
Complementary programs with non-conflicting eligibility that you can claim concurrently:
Official Helpline & Nodal Offices
State Health Agency (SHA), Government of Kerala
5th Floor, Artech Meenakshi Plaza, Thycaud, Thiruvananthapuram, Kerala 695014
Helpline: 1056
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.
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