Karnataka Arogya Sanjeevini Scheme

Scheme Introduction: A Brief Overview

Karnataka Arogya Sanjeevini Scheme (KASS) is a major cashless healthcare scheme launched by the Karnataka Government for Karnataka Government employees and their dependent family members. The scheme operates through the Karnataka Arogya Sanjeevini Trust, also known as Suvarna Arogya Suraksha Trust (SAST), with support from the Department of Personnel and Administrative Reforms (DPAR), Department of Health and Family Welfare, and Department of Finance. Karnataka Arogya Sanjeevini Scheme aims to reduce the financial burden of hospitalization and provide quality healthcare services to eligible beneficiaries through empanelled medical institutions across Karnataka.

Karnataka Arogya Sanjeevini Scheme works alongside the Karnataka Government Servants (Medical Attendance) Rules, 1963 and provides cashless treatment facilities at government hospitals, aided hospitals, autonomous medical institutions, diagnostic centres, laboratories, nursing homes, and empanelled private hospitals. The scheme covers nearly 5 lakh Karnataka Government employees and their family members and offers unlimited healthcare coverage without fixed ceiling limits for several approved medical procedures and treatments.

Under Karnataka Arogya Sanjeevini Scheme, beneficiaries can receive outpatient treatment, inpatient hospitalization, emergency medical treatment, specialist consultation, diagnostic procedures, ambulance services, surgeries, maternity care, and day care medical procedures at prescribed government rates. The scheme also covers chemotherapy, haemodialysis, cataract surgery, biopsy procedures, dental treatment, eye care services, organ transplantation, IVF treatment, cochlear implants, palliative care services, and several approved minor surgeries including D&C, tonsillectomy, spinal injections, and AV shunting procedures.

Karnataka Government employees and eligible dependents can avail treatment through empanelled healthcare institutions without referral requirements in many approved medical cases. Karnataka Arogya Sanjeevini Scheme is funded through monthly employee contributions along with government budget support to ensure affordable and accessible healthcare services for beneficiaries across the state.

Employees can enroll under the Karnataka Arogya Sanjeevini Scheme either through the online KASS mobile application process or through offline enrollment submission to Drawing and Disbursing Officers (DDO). Beneficiaries must carry their KGID number and DDO e-signed documents while availing cashless treatment facilities under the scheme. The KASS mobile application also allows employees to add dependent family members, manage enrollment details, upload declaration forms, and access beneficiary-related healthcare services digitally through the HRMS Karnataka system.

Scheme Benefits

• Karnataka Government employees and their dependents receive unlimited healthcare coverage under the scheme.
• Beneficiaries can avail of cashless treatment facilities at empanelled medical institutions.
• The scheme provides immediate hospitalization support and emergency healthcare services.
• Karnataka Arogya Sanjeevini Scheme covers nearly 5 lakh beneficiaries and their dependent family members.
• Beneficiaries can receive treatment without referral requirements in many approved medical cases.
• The scheme does not impose fixed ceiling limits for several approved medical procedures.
• Karnataka Government employees can access treatment at government hospitals, aided hospitals, autonomous institutions, diagnostic centres, and private hospitals.
• The scheme covers outpatient treatment, inpatient treatment, specialist consultation, surgeries, and diagnostic procedures.
• Beneficiaries receive emergency treatment, ambulance services, maternity care, and child healthcare services under KASS.
• Employees must carry KGID number and DDO e-signed documents for cashless treatment.

Treatments Covered Under the Scheme

Karnataka Arogya Sanjeevini Scheme provides comprehensive healthcare coverage for Karnataka Government employees and their dependent family members through approved medical procedures and cashless treatment facilities. The scheme covers several advanced healthcare treatments at empanelled medical institutions across Karnataka, such as:

• Outpatient treatment and doctor consultation
• Specialist consultation and medical diagnosis
• Diagnostic procedures and imaging services
• Inpatient hospitalization services
• Emergency treatment and accident care
• Ambulance services during emergencies
• Medical management and surgical procedures
• Day care medical procedures
• Chemotherapy and haemodialysis
• Cataract surgery and biopsy procedures
• Minor surgeries including D&C, tonsillectomy, spinal injection, and AV shunting
• Eye treatment and dental treatment facilities
• Maternity and childcare services
• Organ transplantation and rare disease treatment
• IVF and fertility treatment procedures
• Cochlear implants and neuro implants
• Annual health checkup facilities for eligible beneficiaries
• Palliative care services

Treatments Not Covered Under Karnataka Arogya Sanjeevini Scheme

• Cosmetic procedures not related to approved medical treatment
• Experimental treatments not approved by competent authorities
• Treatment after brain death
• Vaccination services, except approved programs under KASS
• Nursing care without active treatment
• General wellness and debility treatment
• Unapproved procedures are not recognised by competent authorities

Empanelled Healthcare Institutions

Karnataka Arogya Sanjeevini Scheme allows beneficiaries to receive cashless treatment facilities at empanelled healthcare institutions approved under the scheme. These healthcare institutions include government hospitals, private hospitals, diagnostic centres, laboratories, and specialised medical facilities located across Karnataka.

• Government hospitals
• Multi-speciality and super-speciality hospitals
• Diagnostic centres
• Laboratories
• Day care centres
• Nursing homes
• Fertility clinics
• Autonomous medical institutions
• Private hospitals empanelled under KASS

Monthly Employee Contribution

Karnataka Arogya Sanjeevini Scheme operates through monthly employee contributions along with financial support from the Karnataka Government. The monthly contribution amount depends on the employee category or service group of the beneficiary. Employees contribute a fixed amount every month to avail healthcare benefits and cashless treatment facilities under the scheme.

Monthly contribution under the Karnataka Arogya Sanjeevini Scheme starts from the date notified by the Karnataka Government and may change according to future government orders.

Ward Entitlement Under KASS

KASS beneficiaries receive private, semi-private, or general ward facilities based on their employee group category.

• Private ward includes a single patient room with attached bathroom facilities and standard hospital furnishings.
• Semi-private ward accommodates two to three patients with attached bathroom facilities.
• The general ward accommodates four or more patients.

Required Documents

• Passport size photograph of the government employee and eligible family members
• Aadhaar Card of each beneficiary
• KGID Number
• Government employee pay slip
• Birth certificate of dependent children
• Legal documents related to adoption or marriage if applicable
• Self-declaration forms under Form A(1), Form A(2), and Form A(3)
• Mobile number linked with the HRMS portal
• DDO e-signed declaration documents

Steps to Apply

Eligible Karnataka Government employees can apply for the Karnataka Arogya Sanjeevini Scheme either through the offline enrollment process or through the online mobile application process. Applicants can choose any one of the available methods to complete registration under the scheme.

Offline Enrollment Process

• An eligible government employee should fill in Form A prescribed under the Karnataka Arogya Sanjeevini Scheme.
• The applicant should attach all required documents, including the Aadhaar Card, photographs, pay slip, and dependent details.
• The employee must submit the application form in duplicate through the Head of Office or Reporting Officer.
• Drawing and Disbursing Officer (DDO) will verify the enrollment details and supporting documents.
• Approved beneficiaries will receive enrollment confirmation under the Karnataka Arogya Sanjeevini Scheme.

Online Enrollment Process Through Mobile App

• The applicant should first log in through the Karnataka HRMS portal.
• Download the Karnataka Arogya Sanjeevini Scheme mobile application from the official portal.
• Register as a new user using your KGID number and OTP verification, and create secure login credentials.
• Add dependent family member details in the application form.
• Upload dependent photographs with a file size below 1 MB.
• Upload declaration documents with a file size below 500 KB.
• Upload the self-declaration letter and required supporting documents.
• Submit enrollment details through the Karnataka Arogya Sanjeevini mobile application.
• Applicants should also submit Annexure forms to the Drawing and Disbursing Officer (DDO) through the reporting officer.

Important Forms

• Karnataka Arogya Sanjeevini Scheme Application Form
• Form A(1), Form A(2), and Form A(3) Self Declaration Forms

Relevant Links

• Karnataka Arogya Sanjeevini Scheme Official Portal
• Karnataka Arogya Sanjeevini Scheme (KASS) Guidelines
• District-Wise Government Hospitals Under KASS
• District-Wise Empanelled Private Hospitals List under KASS
• Arogya Sanjeevini Scheme Package Rate List
• KASS Mobile App Link at HRMS Portal

Contact Information

• Karnataka Arogya Sanjeevini Scheme:
  • Office Phone Number: 08022536210
  • Toll Free Number: 18004258330