Karnataka Medical Assistance (Karmika Arogya Bhagya) Scheme

Scheme Introduction: A Brief Overview

The Medical Assistance (Karmika Arogya Bhagya) scheme is a welfare program launched by the Karnataka Building and Other Construction Workers Welfare Board under the Department of Labour, Government of Karnataka. It aims to provide financial support to registered construction workers and their dependents during hospitalisation.

Under this scheme, eligible beneficiaries can receive financial assistance for treatment in government hospitals, private hospitals, or hospitals covered under any State Government insurance scheme. The support is provided at the rate of ₹300 per day, up to a maximum of ₹20,000 for a continuous period of hospitalisation, subject to actual expenses.

To avail the benefits, the worker must be hospitalised for at least 48 continuous hours. The applicant should be a registered construction worker (or dependent), at least 18 years old, and should have worked in construction for a minimum of 90 days in a year. Treatment must be taken in a recognised hospital.

The Karnataka Government runs many healthcare schemes to support different groups of people. Along with the Karnataka Karmika Arogya Bhagya Scheme for construction workers, it also offers the Karnataka Ambedkar Karmika Sahaya Hastha Scheme, Karnataka KSRTC Arogya Scheme, and Karnataka Gruha Arogya Yojana, ensuring medical and financial help reaches people across the state.

Scheme Benefits

• Financial Assistance to registered workers and their dependents during hospitalisation
• Fixed amount of ₹300 per day during hospitalisation.
• Maximum Limit: Up to ₹20,000 (subject to actual expenses)

Note: Hospitalisation must be for a minimum of 48 continuous hours.

Eligibility Requirements

• For Registration as a Construction Worker:
  • The applicant must be a building or construction worker (unorganised worker).
  • The applicant must be at least 18 years of age.
  • The applicant must have worked in construction for at least 90 days in a year.
• For Availing the Scheme:
  • The applicant must be a registered construction worker under the Karnataka Building and Other Construction Workers Welfare Board or their dependent.
  • The beneficiary must be hospitalised for at least 48 continuous hours.
  • Treatment must be taken in a government hospital, private hospital, or a hospital recognised under a State Government insurance scheme.

Required Documents

• For Registration:
  • Employment Certificate / 90 days work proof (Form V A/ VB/ VC/ VD)
  • Aadhaar Card (self-attested)
  • Ration Card (optional)
  • Age Proof (Aadhaar Card or Voter ID)
  • Bank Account details
• For Scheme Application:
  • Discharge Summary
  • Form 22A
  • Treatment Bills
  • Self Declaration Form
  • Employment Certificate / 90 days work proof (Form VA/ VB/ VC/ VD)

Steps to Apply

• Visit the Seva Sindhu portal and log in using your credentials.
• Complete the Citizen Login process.
• Search for "Application for Medical Assistance (Karmika Arogya Bhagya)" and proceed.
• Fill in the applicant details and upload the required document details.
• Accept the declaration, enter the captcha code, and submit the application.
• Review the generated application form carefully.
• Click on "Attach Annexure" to upload supporting documents.
• Upload and save all required annexures.
• Verify the uploaded documents displayed on the screen.
• Click on "e-Sign" to continue.
• Enter your Aadhaar number, verify using OTP, and submit the application.
• After successful submission, a Sakala acknowledgement will be generated.
• Renewal Process:
  • Login to the official website using your registered mobile number.
  • Go to the dashboard and click on "Renewal" option.
  • Fill in the required details and upload documents.
  • Review and submit the renewal application.

Note: Application can be submitted within 6 months of hospitalisation commencement date.

Relevant Links

• Medical Assistance (Karmika Arogya Bhagya) scheme application process guidelines Pdf
• Karnataka Building and Other Construction Workers Welfare Board Official Web Portal
• Information about the Karmika Arogya Bhagya in portal

Contact Information

• Karnataka Building and Other Construction Workers Welfare Board Karmika Bhavan, Dairy Circle Bannerghatta Road, Bengaluru – 29
• Toll-Free Number of Karnataka Building and Other Construction Workers Welfare Board : 155214
• Social Media WhatsApp Number: 9845353214
• Head Office of BOCW Details
• Email: [email protected]