Yeshasvini Health Scheme: Eligibility, 800+ Treatments Covered & Claim Process

In rural areas of Karnataka, accessing quality healthcare can be challenging for workers in the informal sector, such as farmers, due to their variable income and lack of formal healthcare benefits. To bridge this healthcare gap and provide affordable medical facilities, the Karnataka government launched the Yeshasvini Health Insurance Scheme. This community-based medical coverage program aims to support middle and lower-middle-income workers in the informal sector, ensuring they can access essential healthcare services without financial burdens.

Under the scheme, the beneficiaries contribute INR 300 yearly if they reside in rural areas. For the urban population, the yearly amount is INR 710. Currently, close to 30 lakh people are benefitting from the scheme. From paediatric surgery to dog bites, the scheme covers an extensive number of 823 procedures. Read on to find more details about the scheme and how you can become a beneficiary.

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Facilities of the Yeshasvini Health Insurance Scheme:

The Yeshasvini Health Insurance Scheme offers a wide range of facilities to its beneficiaries, which include:

• Cashless benefits for approximately 800+ medical procedures at network hospitals.

• Fixed tariffs for specific treatments significantly reduce overall medical costs.

• Discounts on diagnostic tests for insured members, making essential medical screenings more accessible.

• Coverage for newborn babies and individuals up to the age of 75 years, ensuring comprehensive healthcare for all eligible members.

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Benefits of the Yeshasvini Health Insurance Scheme:

The Yeshasvini Health Insurance Scheme has several benefits, making it a valuable healthcare solution for rural workers in Karnataka. Key benefits include:

• Annual insurance coverage of Rs. 5 Lakhs.

• Coverage for more than 800 medical procedures, including cardiac surgery, orthopaedic surgery, gynaecology, and many more.

• Cashless claim facility at network hospitals, reducing the financial burden on beneficiaries during medical emergencies.

• Special consideration for family members, allowing them to avail of the scheme’s benefits even if they are not members of a rural cooperative society.

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Eligibility for Yeshasvini Health Insurance Scheme:

To be eligible for the Yeshasvini Scheme, individuals must meet the following criteria:

• Membership in a rural cooperative society for at least six months before scheme enrollment.

• Residing outside the rural areas of Karnataka cities and corporations.

• Family members of the primary insured member can also qualify for coverage under the scheme.

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Conclusion:

The Yeshasvini Health Insurance Scheme, implemented by the Karnataka government, is an impressive initiative that provides affordable and accessible healthcare services to rural workers and farmers. However, the scheme was discontinued in 2021. Beneficiaries should seek alternative healthcare coverage options.

In cases where medical procedures require significant financial investment, Ketto may provide the necessary aid. You can raise a campaign for your needs with Ketto’s Social Impact Plan (SIP). Contributing to the SIP makes you eligible for reimbursement of your medical expenses.

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No Yeshasvini? Here’s How Karnataka Families Are Covering Medical Costs in 2026

Ayushman Bharat covers some. ESIC covers others. For the gap — and for treatments neither covers — 3,200+ Karnataka families have raised medical funds on Ketto. No eligibility criteria. No government approval. A Ketto fundraiser can be live in 24 hours and receive its first donation the same day.