Jyothi Sanjeevini Scheme: Health Insurance for Karnataka Government Employees

The Jyothi Sanjeevini Scheme offers cashless treatment for Karnataka government employees. Find out more about the benefits, coverage, and how to enrol.
Explore Plans
Check Health Insurance Plans
Get Quote
3 min
29-08-2024
The Jyothi Sanjeevini Scheme, initiated by the Karnataka government, aims to provide cashless healthcare services to state government employees and their families. This scheme covers up to Rs. 1.5 lakh per year for critical illnesses requiring tertiary care. It encompasses 449 medical procedures across seven specialties, including paediatrics, neonatal care, cardiology, burn treatment, genitourinary services, poly-trauma, and oncology.

What is Jyothi Sanjeevini Scheme?

The Jyothi Sanjeevini Scheme is a health assurance plan implemented by Suvarna Arogya Suraksha Trust for Karnataka State Government employees and their dependents. Beneficiaries can access cashless healthcare services through a network of empanelled hospitals. However, the scheme excludes coverage in cases where beneficiaries choose more expensive implants, prostheses, or stents than those covered by the scheme, or opt for superior hospital wards beyond their entitlement. In such instances, the additional costs must be borne by the beneficiaries themselves.

Read more: List of government health insurance schemes in India

Benefits of the Jyothi Sanjeevini Health Scheme

Discussed below are the benefits of Jyothi Sanjeevini Health Scheme:

  • Coverage scope: Addresses illnesses in seven categories: oncology, cardiology, neurological, renal, neonatal and pediatric surgery, genito-urinary surgery, polytrauma, and burns.
  • Comprehensive coverage: Includes 449 procedures across the mentioned specialties.
  • Eligibility: Available to Karnataka government employees and their dependents, excluding those covered by other government healthcare schemes.
  • Insurance policy: An insurance policy number is assigned and linked to the office database.
  • Healthcare services: Covers pre- and post-operative care, hospitalisation, consultations, food, transportation, and medication.
  • Annual limit: Up to Rs. 1.5 lakh per year.
  • Cost sharing: General ward patients pay 30%, with 70% covered by the government. For super speciality wards, the government covers 50%.
  • Hospital access: Services are available only in hospitals listed in the JSS guidelines.

Eligibility criteria for Jyothi Sanjeevini Scheme

Any government employee and their family members are eligible to register for the Jyothi Sanjeevini Scheme, provided they are not enrolled in any other government health insurance scheme in India. To enroll, a declaration with details of family members and valid certification must be submitted. According to Rule 2(1) of the Government Servants (Medical Attendant) Rules, 1963 in Karnataka, eligible dependents include the spouse, dependent children (including step-children), and parents residing with the government servant who have a monthly income of less than Rs. 6,000.

Also, check: Health insurance in Bangalore

How to Apply for Jyothi Sanjeevini?

  • Identification: Beneficiaries are identified using their Karnataka Government Insurance Department (KGID) policy number.
  • Verification: KGID policy number is verified against the HRMS database maintained by the Karnataka Government's Department of Personnel and Administrative Reforms.
  • Hospital visit: Carry the KGID number and Aadhaar card during the hospital visit.
  • Verification process: Get your details verified by Arogyamitra at the hospital.
  • No registration required: No additional registration or issuance of cards by the Suvarna Arogya Suraksha Trust is necessary.
Also, read: Vajpayee Arogyashree Yojana

Steps to check Jyothi Sanjeevini Scheme network hospital list

To find hospitals under the Jyothi Sanjeevini Scheme, follow these steps:

  • Visit the Suvarna Arogya Suraksha Trust's official website.
  • Navigate to the 'Network Hospital' section.
  • Select your district.
  • Choose the type of hospital.
  • The relevant hospital details will be displayed on your screen.

How does the Jyothi Sanjeevini Scheme work?

  • Assurance policy: The scheme operates as an assurance policy where the government covers a fixed percentage of the medical treatment costs for employees and their dependents.
  • Implementation: Managed by the Suvarna Arogya Suraksha Trust, with no limit on covered expenditure.
  • Exceptions: Not applicable if employees choose services or hospital wards that exceed the scheme’s coverage.
Given below are the ward entitlement details:

Pay rangeHospitalisation type
Rs. 16,000General ward
Rs. 16,001 - Rs. 43,200Semi-private ward
Rs. 43,201Private ward


The rising prevalence of chronic illnesses and escalating medical costs have prompted both State and Central Governments to launch healthcare initiatives such as the Jyothi Sanjeevini Scheme. This scheme aims to make medical services more accessible. However, it is only applicable to government employees, highlighting the need for everyone to have medical insurance.

Frequently asked questions

What medical treatments are covered under Jyothi Sanjeevini Scheme?
The Jyothi Sanjeevini Scheme covers a range of medical treatments including surgeries, hospitalisations, and critical care services. It aims to provide comprehensive support for various health conditions to ensure adequate medical care for government employees.

How can I check my eligibility for Jyothi Sanjeevini Scheme?
To check your eligibility for the Jyothi Sanjeevini Scheme, you should visit the official scheme website or contact your government office’s HR department. Eligibility criteria typically include employment status and adherence to scheme guidelines.

What is the process for availing cashless treatment under Jyothi Sanjeevini Scheme?
To avail cashless treatment under the Jyothi Sanjeevini Scheme, you must present your scheme ID at an empaneled hospital. The hospital will then handle the billing process directly with the scheme, ensuring you do not need to pay upfront.

How do I find empaneled hospitals under Jyothi Sanjeevini Scheme?
You can find empaneled hospitals under the Jyothi Sanjeevini Scheme by checking the official scheme website or contacting the scheme’s customer support. They provide a list of hospitals where you can access cashless treatments.

Show More Show Less

Bajaj Finserv App for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.

  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements, and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

*T&C Apply - Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, SBI General Insurance Company Limited, ACKO General Insurance Limited, ICICI Lombard General Insurance Company Limited, HDFC ERGO General Insurance Company Limited, Tata AIG General Insurance Company Limited, The New India Assurance Company Limited, Cholamandalam MS General Insurance Company Limited, Niva Bupa Health Insurance Company Limited , Aditya Birla Health Insurance Company Limited, Manipal Cigna Health Insurance Company Limited and Care Health Insurance Company Limited under the IRDAI composite CA registration number CA0101. Please note that, BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any insurance product. Any decision to purchase insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. Please refer insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any, will be as per the prevailing tax laws. Tax laws are subject to change. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product. Visitors are hereby informed that their information submitted on the website may also be shared with insurers. BFL is also a distributor of other third party products from Assistance Services providers such as CPP Assistance Services Pvt. Ltd., Bajaj Finserv Health Ltd. etc. All product information such as premium, benefits, exclusions, sum insured, value added services, etc. are authentic and solely based on the information received from the respective insurance company or the respective Assistance service provider company.



Note – While we have made all efforts and taken utmost care in gathering precise information about the products, features, benefits, etc. However, BFL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Show All Text