Jyothi Sanjeevini Health Scheme

Process to Apply for the Scheme

In case you are eligible to avail the benefits of the scheme, you will be identified by the Karnataka Government Insurance Department (KGID) policy number. The same will be verified on the HRMS database. Next, you will need to visit a hospital that comes under the scheme and provide the Aadhaar number and KGID number to complete the verification via Arogyamitra. 

Documents Required to Apply for the Jyothi Sanjeevini Scheme

The list of documents that must be submitted when you apply for the Jyothi Sanjeevini Scheme are mentioned below:

1. Passport-sized photograph.
2. Residence certificate.

1. Income certificate.
2. Ration card.
3. Aadhaar Card.

Eligibility Criteria

The scheme is eligible for all government servants in Karnataka and their family members. The eligibility of the employees' dependents is listed in Rule 2(1) of the Karnataka Government Servants (Medical Attendant) Rules, 1963, under clauses (i), (ii), and (iii). The clause states the eligibility of the dependents as follows:

1. Wife or husband of the Government Servant
2. The father and mother if they live with the government servant whose monthly income is Rs.6,000 or less.
3. Dependent children (adopted as well as stepchildren)

The information about the employee's dependents will have to be declared and certified by the employee. 

Benefits of the Jyothi Sanjeevini Health Scheme

1. The scheme covers illnesses that fall into 7 broad categories. They are oncology, cardiology, neurological disorders, renal disorders, neonatal and pediatric surgery, genito urinary surgery, polytrauma, and burns.
2. JSS covers 449 procedures across the 7 specialities listed in the scheme.
3. The scheme is extended to Karnataka government employees and their dependents.
4. The scheme is only eligible for those government employees who are not covered under any other government-sponsored healthcare programmes.
5. The Karnataka government assigns an insurance policy number to the employee which is linked with the office database.
6. The services covered under the policy include post-operative care, preoperative care, hospitalisation charges, doctor consultation, food, transportation, management of complications, and charges for medication.
7. Subscribers can avail medical services up to Rs.1.5 lakh per year.
8. Employees who are admitted to the general ward of a hospital will have to bear 30% of the hospital charges, while the government bears the remaining 70%.
9. For those admitted to super speciality wards, the government bears 50% of the charges incurred.
10. The services covered by the scheme can only be availed in hospitals that are listed in the JSS guidelines.

How to Find Jyothi Sanjeevini Yojana Karnataka Hospital List

The procedure that must followed to find the hospitals that come under the scheme is mentioned below:

1. Visit Suvrana Arogya Suraksha Trust’s official website.
2. Select ‘Network Hospital’.
3. Choose the district.
4. Choose the hospital type.
5. The relevant details will be displayed on the screen.

Hospitals that come under the Jyothi Sanjeevini Scheme

The list of hospitals that come under the Jyothi Sanjeevini Scheme are mentioned below:

Process to View Benefit Package Details

The process that must be followed to get the details of the benefit package is mentioned below: 

1. Visit Suvrana Arogya Suraksha Trust’s official website.
2. Select ‘Benefit Package’.
3. Choose the scheme, type of hospital, and speciality.
4. Select ‘Submit’.
5. The details will be displayed.

Process to Check Pre-Authorisation Status

The process that must be followed to check the pre-authorisation status is given below:

1. Visit Suvrana Arogya Suraksha Trust’s official website.
2. Select ‘Know Your Preauth Status’.
3. Enter the relevant details.
4. Select ‘Submit’ to know the pre-authorisation status.

Process to View Dashboard

The process that must be followed to view the dashboard is given below:

1. Visit Suvrana Arogya Suraksha Trust’s official website.
2. Select ‘Dashboard’.

How to Login via SAST Portal

To process that must be followed to log in via SAST is given below:

1. Visit Suvrana Arogya Suraksha Trust’s official website.
2. Select ‘SAST Login’.
3. Enter the user ID and password.
4. Select ‘Login’ to complete the process.

Toll-Free Number

1. Email ID: jss.sast@gmail.com
2. Phone Number: 1800 425 8330

How Does Jyothi Sanjeevini Scheme Works?

The scheme works on as an assurance policy. The government has a fixed percentage that is paid to the employee for medical treatment for himself/herself or his/her dependents. The Suvarna Arogya Suraksha Trust implements the terms listed in the scheme. There is no limit on the expenditure that is covered by the scheme.The scheme is applicable to all employees except in cases where the employee themselves choose services that are more expensive and advanced than those covered by the scheme.It is also not applicable in cases where the employee chooses a hospital ward that is more superior than the ones listed in the guidelines of the JSS.

The following table depicts the ward entitlement for employees covered by the scheme: