Yeshasvini Health Insurance Scheme

The Yeshasvini Health Insurance Scheme, a community-driven initiative in Karnataka, offers affordable healthcare to cooperative society members, focusing on surgical treatments with minimal out-of-pocket expenses across a network of hospitals.
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3 min
17-September-2025

The Yeshasvini Health Insurance Scheme, introduced by the Karnataka Government in 2003, is a groundbreaking initiative designed to make quality healthcare accessible to rural and semi-urban cooperative society members. By offering extensive medical coverage at a minimal cost, this scheme has positively impacted millions of lives, ensuring affordable treatment and financial security for those in need.

What is the Yeshasvini Health Insurance Scheme?

The Yeshasvini Health Scheme is Karnataka’s first cooperative medical insurance initiative, designed to offer quality healthcare and medical treatment to cooperative members with low to middle-class incomes.

Launched in 2003, the scheme was aimed at improving access to healthcare for resource-constrained communities and enhancing the overall economic well-being of residents across the state.

The primary objective of the scheme is to provide affordable medical services while maximising healthcare utilisation in Karnataka. It specifically extends benefits to cooperative weavers, fishermen, Beedi workers, and members of Stree Shakti groups.

Benefits of the Yeshasvini Health Insurance Scheme

Given below are the benefits of Yeshasvini Health Insurance Scheme:

  • Comprehensive coverage: The Yeshasvini Health Insurance Scheme covers over 1,650 medical procedures, including around 823 surgical interventions, ensuring a broad spectrum of healthcare services for beneficiaries.
  • Cashless treatment: Patients can benefit from cashless treatment for pre-approved surgeries, with the insurance provider directly settling the bills with empaneled hospitals.
  • Substantial sum insured: Families below the poverty line are eligible for up to Rs. 5 lakh in annual coverage, ensuring financial protection during medical emergencies.
  • Extensive treatment costs covered: The scheme covers various expenses, including medication, hospital charges, surgery costs, and professional fees, among others.
  • Discounted rates: Beneficiaries receive discounted rates for treatments and diagnostic tests compared to standard hospital charges, making healthcare more affordable.

  • Up to Rs. 5 lakhs sum insured: This sum insured acts as a financial safety net, covering major hospitalisation costs and surgeries for the entire family in a policy year. It ensures that low-income families can access quality treatment without worrying about high out-of-pocket expenses, thereby significantly reducing the risk of financial hardship due to medical emergencies.

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Why do rural communities benefit most from the Yashaswini Scheme?

  • The Yashaswini card provides rural families with access to quality healthcare services that might otherwise be unaffordable.

  • It covers major surgeries and treatments without requiring out-of-pocket payments, reducing financial stress for low-income households.

  • Beneficiaries can avail cashless treatment at empaneled hospitals, ensuring timely medical attention.

  • The scheme targets communities like cooperative workers, fishermen, and women’s self-help groups, who often have limited access to healthcare.

  • By offering discounted rates and up to ₹5 lakh coverage, the Yashaswini card ensures equitable healthcare access across rural Karnataka.

What is covered under the Yeshasvini Health Insurance Scheme?

Below is the list of things covered under the scheme:

  • General surgery
  • Neurosurgery
  • Polytrauma
  • Cardiology
  • Cardiovascular surgery
  • Cardiothoracic surgery
  • Obstetrics
  • Gynaecology
  • ENT (Ear, Nose, Throat) Infections/Diseases
  • General Medicine
  • Mental Disorder Packages
  • Neonatal
  • Paediatrics
  • Ophthalmology, Urology and
  • Medical, Surgical and Radiation Oncology
  • Orthopaedics

What is not covered under the Yeshasvini Health Insurance Scheme?

There are certain exclusions under the scheme. Beneficiaries must refer to the list of what’s not covered given below:

  • Burns
  • Transplants
  • Vaccination
  • Follow-up treatment
  • Dental surgery
  • Dialysis
  • Spectacles, hearing aids
  • Skin grafting for wounds
  • Biopsies
  • Road traffic accidents
  • Angioplasty
  • Implants including valves, grafts, mesh, nails, screws
  • Joint replacement surgeries
  • Any other expenditure not related to hospitalisation with surgery.

Eligibility criteria for Yeshasvini Health Insurance Scheme

Given below is the eligibility criteria for the Yeshasvini Health Insurance Scheme:

  • Age: Individuals under 75 years can enroll in the Yeshasvini Health Care Scheme.
  • Membership requirement: To be eligible for the Yeshasvini Scheme, an individual must be a member of a cooperative society in Karnataka for at least 90 days. Family members of the enrolled individual can also benefit from the scheme, even if they are not part of a cooperative society.
  • Coverage: The scheme covers the enrolled person, their spouse, dependent children, and parents.
  • Scheme duration: The annual tenure of the scheme runs from August 1st of the current year to July 31st of the following year.

Features of the Yeshasvini Health Insurance Scheme

Discussed below are the key features health insurance of the scheme:

Fee contribution:

  • Rural Cooperative Members: An annual contribution of Rs. 500 is required per family of four members. For families exceeding four members, an additional 20% fee (Rs. 100) is charged per additional member.
  • Urban Cooperative Members: The annual contribution is Rs. 1,000 per family of four, with an additional 20% fee (Rs. 200) for each extra member.
  • SC/ST Families: The government covers the premium cost, exempting these families from payment.

Additional benefits:

Members can avail up to Rs. 200 for OPD services at network hospitals, which cannot charge beyond this limit.

Documents required for the Yeshasvini Scheme in Karnataka

To access the benefits of the Yeshasvini Insurance Scheme, an enrolled individual must obtain a Yeshasvini Health Card. It is recommended to have both the original and photocopies of the following documents ready to avoid any delays during the application process:

  • Proof of age
  • Proof of address
  • An official document verifying membership in a rural or urban cooperative society for the required minimum period.
  • Caste certificate

How to register for the Yeshasvini Health Insurance online?

Registration for the Yeshasvini Health Insurance Scheme is available annually from July to October through eligible cooperative organisations. To qualify, applicants must be members of a cooperative society for at least three months. Once this requirement is met, you can visit the official website of the Yeshasvini Health Insurance Scheme to complete the online registration process.

How much premium is required for the Yeshasvini Scheme?

The Yeshasvini Health Insurance Scheme offers affordable healthcare at minimal costs. The premium for the Yashaswini card varies based on membership in cooperative societies, typically ranging from Rs. 250 to Rs. 1,000 annually. This low-cost contribution ensures access to cashless treatments and surgical procedures at network hospitals across Karnataka.

How to get a Yeshasvini Insurance Scheme Health Card?

The Yeshasvini Health Card is crucial for availing benefits under the scheme. Once acquired, the insured individual or their family members can use it to receive cashless treatment at network hospitals.

The card is issued upon enrollment and can be easily renewed at cooperative societies. Registration and renewal occur annually between May and June.

Steps to apply for a Yeshasvini Health Card online:

Step 1: Register with a cooperative society in Karnataka via the government website.

Step 2: Select ‘Register for the Cooperative Society.’

Step 3: Click on ‘Apply Online for Yeshasvini Health Card.’

Step 4: Complete and submit the registration form.

Step 5: Log in to the website and access the Yeshasvini Health Card form.

Step 6: Fill out the form, review details, and submit it to finalise the application.

How to claim the Yeshasvini Health Scheme in Karnataka?

To claim benefits under the Yeshasvini Health Scheme, the insured individual or their family members can visit a network hospital. The process involves:

  • Locate a network hospital: Find the nearest hospital in the scheme's network.
  • Document verification: A medical coordinating officer will verify your documents and health card.
  • Pre-diagnosis: Pay the enrollment fee for any required pre-diagnosis tests.
  • Approval for surgery: If surgery is necessary, the request is sent to the Management Support Service Provider for approval.
  • Cashless treatment: Upon approval, the patient receives cashless treatment up to the coverage limit.
  • Claim settlement: After discharge, the hospital sends medical bills and documents for claim settlement, which is processed by the Yeshasvini Health Insurance Scheme trust.

The Karnataka Government's Yeshasvini Health Care Scheme offers coverage for various surgeries and treatments at network hospitals throughout the state. Eligible individuals can obtain a Yeshasvini Health Card for cashless treatment of covered procedures up to the insured limit. This coverage also extends to the family members of the insured, providing comprehensive health insurance benefits.

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Frequently asked questions

What documents are required to apply for the Yeshasvini Health Insurance Scheme?
To apply for the Yeshasvini Health Insurance Scheme, you will need to provide proof of identity (such as an Aadhar card), proof of residence, and income details. Additionally, a recent photograph and a completed application form are required.

What medical treatments are covered under the Yeshasvini Health Insurance Scheme?
The Yeshasvini Health Insurance Scheme covers a range of medical treatments, including major surgeries, hospitalisation costs, and various health procedures. The specific treatments covered may vary based on the network hospitals and the scheme's terms.

How much premium do I need to pay for the Yeshasvini Health Insurance Scheme?
The premium for the Yeshasvini Health Insurance Scheme is nominal and varies based on the individual's age and coverage requirements. Generally, the scheme aims to keep premiums affordable to ensure broader accessibility.

How do I check my eligibility for the Yeshasvini Health Insurance Scheme?
To check your eligibility for the Yeshasvini Health Insurance Scheme, visit the official scheme website or contact local health care centers. Eligibility is typically based on factors such as income level and residency in Karnataka.

Is there any waiting period for the Yeshasvini Health Insurance Scheme?

Yes, there is a brief waiting period. Cardholders become eligible for treatment at network hospitals 15 days after receiving the Yeshasvini Health card.

What is the maximum sum insured by the Yeshasvini Health Insurance Scheme?

The scheme provides annual coverage up to Rs. 5 lakh per family, offering substantial financial protection against medical expenses.

What is the cost of a Yeshasvini card for eye surgery?

The scheme covers various surgical procedures, including eye surgeries. Rural members can avail free medical surgery costing up to Rs. 1.25 lakh for a single admission and up to Rs. 2 lakh for multiple surgeries. Urban members have coverage up to Rs. 1.75 lakh for a single admission and up to Rs. 2.5 lakh for multiple hospitalizations

Who is Eligible for the Yeshasvini Scheme?

The Yeshasvini Health Scheme is primarily designed for members of cooperative societies in Karnataka. This includes cooperative farmers, weavers, fishermen, Beedi workers, and members of Stree Shakti self-help groups. Families below the poverty line are especially encouraged to enrol. Eligibility usually requires active membership in a registered cooperative society and possession of valid identity documents.

What is the Annual Charge of a Yashaswini Card?

The annual premium for a Yashaswini card is nominal, making it affordable for low-income families. Currently, the annual charge is around ₹330–₹350 per family, which covers all eligible members under a single family card for the entire year.

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