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.
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3 min
08-July-2025

The Jyothi Sanjeevini Scheme is a healthcare initiative launched by the Karnataka government to provide cashless medical treatment for state government employees and their dependent family members. It offers annual coverage of up to Rs. 1.5 lakhs for major illnesses that require tertiary-level medical care.

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

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Key Objectives of the Karnataka Jyothi Sanjeevini Yojana

The primary aim of the Karnataka Jyothi Sanjeevini Yojana is to ensure accessible and quality medical care for state government employees and their dependent family members. Each eligible beneficiary is issued a JSS card, which allows them to avail treatment at the nearest empanelled hospital under a cashless facility.

By implementing a cashless system, the government aims to prevent misuse of benefits while ensuring coverage for a wide range of critical illnesses and major health conditions, so that beneficiaries receive the necessary medical care without financial burden.

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.

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.

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

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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.

What diseases are covered under the Jyothi Sanjeevini Scheme?

The Jyothi Sanjeevini Scheme covers critical tertiary-level treatments across seven major specialty categories, offering cashless treatment up to ₹1.5 lakh per year:

  1. Oncology – Cancer-related diagnoses and procedures

  2. Cardiology – Heart conditions and cardiovascular treatments

  3. Neurological disorders – Brain and nerve-related surgeries

  4. Renal disorders – Kidneys, dialysis, and related surgeries

  5. Neonatal & pediatric surgery – Specialized care for infants and children

  6. Genito‑urinary surgery – Urinary and reproductive system interventions

  7. Polytrauma & burns – Multi-injury trauma care and burn treatments

Additionally, the scheme includes 449 specific procedures spanning these areas and integrates services like hospitalisation, diagnostics, pre‑ and post‑operative care, medicines, food, and transportation

What is the Sanjeevani Scheme in Karnataka?

The Sanjeevani Scheme is another separate initiative by the Karnataka government, aimed at supporting rural livelihood and empowerment, particularly through the Karnataka State Rural Livelihood Mission (KSRLM). Unlike the Jyothi Sanjeevini Scheme, which provides cashless healthcare exclusively to Karnataka state government employees and their families, the Sanjeevani Mission focuses on financial inclusion, capacity building, and non-farm livelihoods across rural areas.

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