Awaz Health Insurance Scheme: All You Need To Know

The Awaz Health Insurance scheme, pioneered by the Kerala state government, is aimed at providing healthcare benefits to migrant workers, marking a pioneering effort in this area. It is the first of its kind catering specifically to this demographic. This scheme offers health insurance coverage and protection against accidental death, tailored to meet the needs of migrant workers employed within the state. Launched by the Kerala government in November 2017, the registration process for this innovative healthcare initiative commenced in December 2017. In this article, we will discuss the benefits, coverage, eligibility, and more about the Awaz scheme and why health insurance is beneficial for all, irrespective of any factor.

Awaz Health Insurance Scheme: An overview

Given below is a brief overview of the scheme:

Coverage under Awaz Health Insurance Scheme

In Kerala, where a significant population comprises migrant workers, the state government has initiated the Awaz Health Insurance scheme to extend healthcare accessibility to this demographic. With an estimated target of over 5 lakh inter-state migrant workers currently in Kerala, the scheme aims to provide comprehensive coverage.

Any migrant worker seeking to safeguard their family against the financial burdens of medical emergencies can avail themselves of this scheme. Beneficiaries are entitled to receive free medical treatment at all government hospitals statewide and can also access treatment at select private hospitals without financial strain.

Enrolling in the Awaz Health Insurance scheme ensures coverage for:

Medical treatment for injuries or illnesses, with coverage of up to Rs. 15,000.

Accidental death benefits of up to Rs. 2 lakh, providing financial support to the dependents or beneficiaries in case of the insured worker's demise, upon submission of requisite documentation.

Features of Awaz Health Insurance Scheme

The successful implementation of this scheme marks a significant achievement for the entire health insurance sector. Here are its key features that position it as one of the premier health insurance schemes in India:

• The initial data collection phase for this health program concluded in December 2017, with the trial run of the enrollment program commencing on June 1st, 2018.
• District labor officers closely monitored the application process to ensure comprehensive support for health insurance plans.
• Promotional activities for this health program are conducted in Oriya, Bengali, and Hindi languages across the state, enhancing its recognition as the leading health insurance scheme in India.
• Registration centers, spanning over 200 locations throughout Kerala, facilitate the identification and enrollment of migrant workers.
• The government-issued smart card contains details such as the insured worker's nominee's name, photograph, and local address, ensuring accurate identification and record-keeping.
• Numerous complaint redressal cells have been established across the state to ensure the smooth and efficient operation of this healthcare insurance system.

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Eligibility criteria for Awaz Health Insurance Scheme

The eligibility requirements for the Awaz Health Insurance Scheme are outlined as follows:

• Migrant workers must fall within the age bracket of 18 to 60 years.
• During enrollment, workers are required to provide their fingerprints, iris scans, and employment-related documentation. Upon submission of these documents, the insurance card will be issued. Additionally, identification cards recognised by either the Central or Kerala government, such as the Aadhaar card, Voter ID card, or driving license, must be presented during scheme enrollment.

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The Awaz Health Insurance Scheme includes a grievance redressal system to handle beneficiary complaints. To lodge complaints, individuals can utilize the toll-free number 1800-425-1076.

In summary, the Awaz Health Insurance Scheme represents a commendable effort by the Kerala government to guarantee universal access to high-quality healthcare services, alleviating financial concerns for all.