Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh)
Universal cashless tertiary and secondary healthcare cover up to ₹5 Lakh per family per year across 700+ empaneled hospitals.
Quick Eligibility Snapshot
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
₹1,500 Crore annual state healthcare assurance fund
Official Budget Document ↗Covering over 42 Lakh families (nearly 65% of Kerala population)
As of: 2026-01-20PIB / Official Citation ↗Verified Eligibility Criteria
Resident family of Kerala possessing an active priority or subsidy ration card (AAY / PHH).
Required Documents Checklist
Verify readiness before applying for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh). Check off your papers or print this list before visiting your local CSC / Cyber Cafe.
Mandatory Documents(3)
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 Cashless Hospital Cover up to ₹5 Lakh)?
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
Enrolment is linked with active BPL ration cards (Pink and Yellow Cards).
- 2
Present KASP smart card or Aadhaar card at the dedicated KASP kiosk of any empaneled hospital.
- 3
KASP Ayushman Pradhan verifies biometrics, doctor enters digital pre-authorization, and cashless inpatient treatment begins.
✅Before You Begin — Pre-Application Checklist
⚠️Common Rejection Reasons — Avoid These
Non-empaneled private hospitals, OPD consultations without admission, or families falling under non-eligible categories.
Official Government Application Portal
You will be redirected to the secure official portal: sha.kerala.gov.in
Get Curated Scheme Alerts & Application Deadlines
Never miss an installment date, scholarship deadline, or new state subsidy. Voluntarily subscribe to receive verified government scheme updates directly on WhatsApp or Email.
Successfully Subscribed!
Your preferences are securely saved. You will receive verified alerts when application windows open. You can unsubscribe anytime.
💡 Need an immediate personalized document checklist & rejection audit for your profile?
Get Scheme Blueprint (₹49)→Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Can families not covered under KASP get assistance for catastrophic illnesses?
Yes, families above poverty line can access financial assistance up to ₹2 Lakh through the Karunya Benevolent Fund (KBF).
Source: Official Scheme FAQ ↗Who is eligible to apply for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh)?
Eligible applicants must satisfy official government criteria for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh). Age: max 99 years. Annual family income ceiling: ₹3,00,000. Conditions: Resident family of Kerala possessing an active priority or subsidy ration card (AAY / PHH)..
Source: Official Scheme FAQ ↗What are the key benefits provided under Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh)?
Under official guidelines for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh), beneficiaries are entitled to: Comprehensive secondary and tertiary cashless medical/surgical hospitalization cover of up to ₹5,00,000 per family per year covering 1,600+ clinical packages, cardiology, oncology, organ transplants, and joint replacements across 700+ empaneled government and private network hospitals in Kerala with...
Source: Official Scheme FAQ ↗How do I apply for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh)? What is the official process?
To apply for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh), applicants should follow the official procedure: 1. Enrolment is linked with active BPL ration cards (Pink and Yellow Cards). 2. Present KASP smart card or Aadhaar card at the dedicated KASP kiosk of any empaneled hospital. 3. KASP Ayushman Pradhan verifies biometrics, doctor enters digital pre-authorization, and cashless inpatient treatment begin...
Source: Official Scheme FAQ ↗Can I track my Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh) application status?
Application status for Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh) 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 Cashless Hospital Cover up to ₹5 Lakh) 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 Cashless Hospital Cover up to ₹5 Lakh) 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-empaneled private hospitals, OPD consultations without admission, or families falling under non-eligible categories.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-10-19 | scheme_type | state | Official Source ↗ |
| 2026-10-06 | ministry_id | 215 | Official Source ↗ |
| 2026-09-26 | initial_verification | Baseline verification of Karunya Arogya Suraksha Paddhati (KASP Cashless Hospital Cover up to ₹5 Lakh) guidelines, benefits, and portal integration. | Official Source ↗ |
⚖Compare with Similar Schemes
Side-by-side eligibility, benefit, and effort comparison:
Application Window & Deadlines
Continuous 24x7 emergency and planned hospitalization access
🛟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
Baseline verification of Karunya Arogya Suraksha Paddhati (KASP Cashless Hospita...
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 Tower, Thycaud, Thiruvananthapuram 695014
Helpline: 104
Jurisdiction: KeralaNotice a Discrepancy?
Help keep civic data 100% accurate. We audit every report against primary gazettes.
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.