Karnataka Government Health Schemes and Insurance


Karnataka is one of the pioneering states in India that provides quality health care to economically backward families. Even before the concept of primary health care and health centers was conceptualized by the Central government, the state Govt. of Karnataka had already established primary health units in the state. These healthcare units aimed at providing preventive, promotive and rehabilitative care to patients based on quality.

Health Insurance

Currently, Karnataka is carrying forward this traditional trend over to all citizens and over the years this has brought in a lot of reputation in delivering health care services to the public. The Karnataka healthcare model has been appreciated by many and few other states have borrowed this idea in order to provide quality medical services to people in their respective states. The Health Department of Karnataka was set up on the belief that health must be given utmost priority and this must be given to every community that cannot afford it.

Karnataka Govt Health Schemes:

The Karnataka Govt. has introduced several health schemes that will benefit the needy and the ones who cannot afford basic healthcare services. There are many people in India who cannot afford one meal a day and thus medicine is way beyond their reach. In this way, the Karnataka Govt. has understood the pledge of catering to the plight of these people who find it terribly hard to survive every day. Here is a list of health schemes introduced by the govt.

1. J ana Sanjivini:

The Jana Sanjivini scheme was introduced to set up generic stores in hospitals of health and family welfare and medical education. Currently, there are 40 generic stores that have been set up in 40 hospitals in the state. A memorandum of understanding (MoU) was signed by the government and Hindustan Latex Limited for the purpose of services in these generic stores.

Surgical implants, diagnostic centers and medical imaging centers have been set up in 14 different hospitals around the state. All the medicines and products sold under this scheme are covered under the National List of Essential Medicines (NLEM) and are sold at MRP rates to people.

2. Telemedicine:

Telemedicine refers to electronic information that helps provide and support health care especially in times when hospitals are beyond the reach of the patient. Basically, this is a tool to provide digital medication to people living in remote locations. It consists of video conferencing among healthcare experts and patients for better treatment and accessibility of medicines.

This health scheme was set up on an aim to provide faster medical services in remote areas.

Aim of Telemedicine:

Telemedicine was set up as a health scheme to provide faster medical services in remote areas. However, here is a list of the benefits which you can get by availing telemedicine health scheme.

  • Provides access to quality health care services in rural, semi-rural including rural areas.
  • Reduces the time to get to a hospital, especially in terms of a regular doctor consultation.
  • Provides medical education and training via video conferencing.

3. Emergency Medical Service (EMS):

In order to provide emergency medical services and treatment to those of urgent need, emergency medical service as a scheme has been introduced. This health scheme was the outcome of an inefficient ambulance service that was started in the state. Between 2014 and 2015, the government had introduced 1762 ambulances in the state that will help drive patients to the hospital and provide 1st aid in terms of emergency.

There is a new method called scoop and run policy to transport the patient within 10 minutes to the hospital. This means that, as soon as the ambulance reaches the patient, first aid health care professionals will immediately pick up the patient and reach the hospital within 10 minutes. These 10 minutes is considered to be the golden hour.

This emergency health scheme was initiated to handle patient emergencies by coding it a common number called 108. This means that you can just call 108 during a medical emergency and expect speedy emergency services. Apart from 108 ambulances, there are 577 state-owned ambulances that can be called anytime and available in cases of emergency.

Note: If you are facing a medical emergency or witnessing one, immediately dial 108 or 577 and save a life. These are simple numbers that you can register in your mind. By hearing these two numbers itself can be life-saving for you or for many around you.

Karnataka Health Insurance Schemes:

Apart from the health schemes introduced in the state, there are a number of health insurance schemes by the Government of Karnataka that helps people who cannot afford decent quality health care services in the city. Most people in rural areas cannot afford a meal a day and when it comes to health, they shed all of their savings and go bankrupt. This results in suicidal acts and theft. In order to curb this from happening, the state government has introduced a list of insurance schemes that will economically provide money to those struggling to settle medical dues. Here is a list of health insurance schemes introduced by the Karnataka government.

1. Jyoti Sanjeevini:

The Jyoti Sanjeevini scheme was an initiative by the government of Karnataka to provide medical treatment and services for state government employees and their families. Some of the benefits provided under this scheme are:

  • Free doctor consultation charges
  • Free ward charges
  • Operation and medicine costs

However, in terms of the type of medical treatments offered under this health insurance scheme, there are 7 medical categories that the government offers. These 7 categories are

  • Cardiology
  • Neurology
  • Pediatric surgery
  • Burns
  • Polytrauma
  • Oncology; and
  • Neonatal surgery

2. Universal Health Scheme:

In order for people to avail this health scheme, they must have sought treatment in a government hospital. This scheme is for all people in Karnataka regardless of the amount of income earned by the individual. The scheme also has a provision for transfer of a patient to a private hospital, if the required treatment or service is not available. This scheme was the outcome of the fact that people were forced to visit only private hospitals.

3. Vajpayee Arogya Shree:

The Vajpayee Arogya Shree health insurance scheme was an initiative to provide healthcare for below poverty level families and individuals. This includes therapy, surgery, and hospitalization. This health scheme offers treatment for critical illnesses such as cardiovascular diseases, cancer (Radiotherapy & chemotherapy), neurological diseases, renal (Kidney) diseases and burns. This scheme also covers 5 members in your family and you can avail 1.5 lakhs of treatment and medicines.

Also Read:  Ayushman Bharat: Health Insurance Benefits, Eligibility

4. Rajiv Arogya Bhagya:

This health insurance scheme is usually for the Above Poverty Line (APL) families that provide faster affordability and accessibility to healthcare services. There are 7 different categories that are covered under this scheme such as cancer, neurosurgery, cardiology, burns, urology, pediatric surgery and polytrauma. However, you will have to pay only for ICU and medicine costs. This means that you will have to pay only 30% of the hospital final bill.

5. Janani Suraksha Yojana:

This health insurance scheme aims to provide safe motherhood to poor women. This scheme has been carried out by the government of Karnataka under the National Health Mission to provide safe and healthy pregnancy to pregnant women who can’t afford hospitalization. If a woman comes under this scheme, then compensation is given after delivery. This includes Rs 700 compensation provided by the government if it was a normal delivery and Rs 1500 for cesarean deliveries. This health scheme covers both types of deliveries and the legal age for a women delivering must be minimum 19 years.

6. Indradhanush:

This scheme was an initiative by the WHO, Rotary International and UNICEF to immunize kids against 7 different types of diseases. Some of the diseases include polio, measles, tetanus and hepatitis B. However, in Karnataka, 283 districts have been covered under this scheme. The main aim of this scheme is to make third world countries free of all these diseases by 2022.

7. Arogya Karnataka Programme:

The Government of Karnataka has launched a universal health scheme called Arogya Karnataka for all residents of the state in March 2018. With the introduction of this scheme, Karnataka has become the first state in India to implement a scheme that offers universal health care to all its people irrespective of caste, creed, sex etc. Under this scheme, a single family can avail Rs 1.5 lakhs annually and this is said to benefit 1.43 crore families in the state.

Benefits of Using Arogya Karnataka:

The Karnataka Govt. has brought out a scheme that will benefit all people irrespective of caste, class, sex etc. So why don’t you opt for it as this scheme will offer you and your family with quality medicare? Here are some of the benefits of using this scheme.

  • All Below Poverty Line (BPL) categories can avail free treatment at hospitals tied up with Arogya Karnataka scheme.
  • Above Poverty Line (APL) can make 70% of the treatment charges while the rest will be paid by the state government.
  • In cases of specified medical treatments, the govt will offer financial assistance up to Rs 30,000 for a family comprising of 5 members.

Note: Patients willing to avail this scheme must produce a UHC card by the Department of Health and Family Welfare.

Also Read:  Government Health Insurance for Senior Citizens in India


The above-mentioned schemes by the Karnataka Govt. has been one among the best ever health-related schemes that benefit not only the poor but every single individual residing in the state. Here are some frequently asked questions that will shed some insight into the above-listed schemes.

1. How to apply for Arogya Karnataka scheme?

In order to avail this health scheme, a person must visit a nearby healthcare center or even a private hospital and enroll. Then, you will have to fill an application under the guidance of an enrollment staff. After filling the application, you will be entitled to the benefits of the Arogya Karnataka Scheme.

2. What are the documents required to avail Karnataka Govt. health scheme?

This is simple! All you need to provide is some of these legal documents and you’ll be set to avail the benefits of the scheme.

  • Aadhar Card
  • Application
  • ID proof
  • Ration Card; or
  • Public distribution system (PDS) card

3. How much should I pay for enrollment?

In order to get an Arogya Karnataka Card, you need to pay Rs 10 to the enrollment staff. This is a standardized rate irrespective of any caste, creed, sex or gender. So why miss out on a huge benefit that the government offers. Health has become a commercial aspect of everyday life and as a result, the Government of Karnataka has taken this initiative to provide quality healthcare services with reasonable rates.

Thus, with the introduction of several health-related schemes in the city, the Government of Karnataka aims at providing quality healthcare to all. Also, you can avail these schemes through a private hospital. This means that if in case there isn’t a particular medical treatment available at a govt hospital, the patient will be shipped to a private hospital for treatment and at the same cost. How beneficial this can be! Well, all you need to do is to go to any hospital ask them for an enrollment and your all set to avail this beneficial scheme.

News Karnataka Government Health Schemes

Karnataka Govt. Initiates Ayusman Bharath Along with Arogya Karnataka Scheme

– 5th Dec 2018

The biggest health scheme in the state of Karnataka, ‘Arogya Karnataka’ will initiate the Centers ‘Ayushman Bharath’ health scheme so that people in the state can avail emergency medical services. The Government of Karnataka had signed the Memorandum of Understanding with the Central Government on October 30 in order to implement this programme.

However, this initiative was taken by the Irrigation and Medical Minister, Mr D.K. ShivaKumar. The health scheme is said to provide an annual health coverage of Rs 5 lakh per family, especially for the below poverty line families. The best part of the scheme is that it will provide Rs 1.50 lakh health benefits for the Above Poverty Line families too.

In order to ease the process of people availing this health scheme, the Arogya Karnataka card which was earlier required for availing health schemes have been taken off. So, this means that you don’t have to provide an Arogya Karnataka card to avail this scheme.

Currently, there are 916 hospitals that are aligned with the scheme and people can seek medical treatment in 490 hospitals around the state. Also, most of these hospitals are private and few governments. This means that you can avail better medical treatment from the government at no cost.



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