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Health Programmes And Schemes

The State Government of Karnataka offers various schemes to provide health benefits to residents of the state. A few popular schemes include Vajpayee Arogya Shree, Rajiv Arogya Bhagya Scheme, Jyothi Sanjeevini Scheme, Janani Suraksha Yojana, etc.
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Providing comprehensive medical cover to all its citizens has been the objective of the Karnataka government and in achieving this, it has garnered the reputation of being a pioneer in the delivery of public health service in the country. Even before the Central Government was able to conceptualise the establishment of primary health centres, the Karnataka government had established a good number of Primary Health Units. These units deliver comprehensive healthcare services comprising of Preventive, Curative, Promotive, and Rehabilitation health care to the residents of the state.

The Health Department of Karnataka holds the belief that health is a valuable asset of every community and hence, it renders below services as part of its ‘Common Minimum Needs Programme’. These services are administered through a network of health and medical institutions to the people living in the state.

Name of the service Schemes offering the service
Curative Services Vajpayee Arogya Shree, Rajiv Arogya Bhagya, Jyothi Sanjeevini Scheme
Reproductive and Child Health Services Janani Suraksha Yojana, Madilu, Prasuti Araike
Child and Adolescent Health Services Shuchi, Rashtriya Bala Swasthya Karyakrama (RBSK)
Immunisation Programme Indradhanush
Prevention and Control of Communicable Diseases National Leprosy Control Programme, National Guinea Worm Eradication Programme, National AIDS Control Programme, National Programme for Control of Blindness, Revised National Tuberculosis Control Programme
National Vector-borne Disease Control Programme National Anti-Malaria Programme, Anti-JE Programme, National Filaria Control, Dengue Control Programme
Healthcare Support Services Prevention of Food Adulteration, Laboratory Services, Vital Statistics, Environmental Sanitation, Nutritional Services, Health Education Training and School Health Services
Transport and ICT Services Mobile Health Units, Arogya Sahayavani-104, EMRI (Arogya Kavacha-108)
Integrated Diseases Surveillance Programme -
National Iodine Deficiency Disorder Control Programme -

Benefits Offered by the State Government Schemes:

All the above programmes and schemes offer varied healthcare benefits to the citizens of Karnataka. We’ve listed some of them below:

Name of the scheme Features and Benefits
Vajpayee Arogya Shree
  • Was designed with an intent to augment access to quality tertiary health care for Below Poverty Level (BPL) families including hospitalisation, therapy, and surgery.
  • Offers cover for critical illnesses, cardiovascular diseases, cancer treatment (chemotherapy, radiotherapy, etc.), neurological diseases, burns, renal diseases, neonatal treatments, and polytrauma cases.
  • Covers 5 members in a family up to a sum of Rs.1.5 lakh available on a floater basis.
Rajiv Arogya Bhagya Scheme
  • Health insurance scheme for Above Poverty Line (APL) families for providing tertiary treatment accessible and affordable.
  • Offers cover for treatment in 7 super specialty categories of Cancer, Neurosurgery, Cardiology, Urology, Pediatric Surgery, Burns, and Polytrauma. Cover includes medicine costs and ICU charges.
  • Patients have to make a co-payment of 30% of the hospital package rates.
Jyothi Sanjeevini Scheme
  • Scheme for employees of the state government started with an objective of providing tertiary medical treatment to the employees and their dependents.
  • Benefit package includes doctor consultation charges, ward charges, preoperative investigations, operation costs, medicine costs, etc.
  • Covers tertiary treatments in 7 categories of oncology, cardiology, neurology, genito-urinary surgery, pediatric surgery and neonatal surgery, burns, and polytrauma.
Janani Suraksha Yojana
  • Introduced in 2005 with a goal of reducing maternal and infant mortality rates among economically-challenged women by encouraging institutional deliveries.
  • An amount of Rs.700 is offered for normal deliveries while women who undergo a cesarean delivery will be given a compensation of Rs.1,500.
  • The cover is available for up to 2 deliveries and the age of the women delivering a child should be above 19 years.
Indradhanush
  • Launched with a mission to immunise kids against 7 diseases that can be prevented by vaccination - polio, diphtheria, whooping cough, tuberculosis, measles, tetanus, and hepatitis B.
  • The scheme was implemented in 2 phases. In the first phase, 201 districts were covered while in the second phase, 82 districts were covered.
  • The scheme has been launched in partnership with WHO, UNICEF and Rotary International.
Rashtriya Bala Swasthya Karyakrama
  • Introduced with an objective of detecting and managing the 4 Ds - Defects of birth, deficiency conditions, diseases in children, and developmental delays including disabilities.
  • Children studying in 1st to 12th Std. in government and government-aided schools can avail the benefits of the scheme.
  • The scheme is a part of the National Health Mission and under this, 30 listed health conditions in children will be detected and treated in the early stages.

Arogya Karnataka Programme:

Apart from the schemes mentioned above, the government of Karnataka has launched a universal health insurance scheme for all its residents, in March 2018. The scheme is called as Arogya Karnataka and with this, Karnataka has become the first state in India to implement a scheme that offers universal health coverage (UHC). The scheme offers a cover of Rs.1.5 lakh per family per year and will benefit at least 1.43 crore households in Karnataka.

The Arogya Karnataka scheme offers the below features:

  • All families falling under the BPL category can avail free treatment at empanelled hospitals. People in the APL category will have to pay 70% of the treatment costs while the rest will be borne by the state government.
  • For specified healthcare treatments, the government will offer a financial assistance of up to Rs.30,000 in a year for a family comprising of 5 members.
  • For tertiary treatments, the annual limit will be raised to Rs.1.5 lakh per year.
  • Primary Health Institutes (PHI) will deliver primary healthcare treatments while tertiary healthcare facilities can only be availed at designated hospitals. Beneficiaries can avail secondary treatment at private hospitals only if the necessary procedure is unavailable at the government hospitals.
  • Patients wishing to avail the benefits of the Arogya Karnataka scheme have to produce the UHC card issued by the Department of Health and Family Welfare.

Health Programmes And Schemes By The Karnataka Government Reviews

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  • review Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with Adiyta birla insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal, i use to pay through on line.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 23, 2019
  • Religare Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Religare insurance from long time,their service is good, they have tie up with many hospital , and they have shared me an excel with there location, and the agent had explained me clearly about the policy benefit,overall service is good.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 23, 2019
  • ICICI Lombard Health Insurance
    "Satisfactory"
    0.5 4.0/5 "Great!"
    I took my health insurance with ICICI Lombard. The customer service is good. I got the insurance paper on time. I have no claims. I have taken the policy for myself and wife. The medical coverage is 5L for both. I think have paid hardly 8K for one year.
    Was this review helpful? 0
    , pune
    Reviewed on Jan 23, 2019
  • United India Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    My company has given me a health insurance from united India. My entire family has been covered in this policy. I had no claim experience so far and i have not checked about the list of hospitals. I'm happy about the coverage amount they have given to me.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 22, 2019
  • Apollo Munich Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me up to 13,000, i use to pay through on line.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Best Policy"
    0.5 3.0/5 "Satisfactory"
    I have chosen the United India health insurance policy without any reason. I got this policy for my entire family. I pay the premium amount of Rs. 16000 nearly. I have a claim experience with them and they have processed the claim in 3 days. They have given a claim upto 80%
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with BHARATHI AXA , this policy cover accident claim and there customer support team have explain me about this policy . And the premium i pay per year it nominal, i pay through on line. Till now i have no claim experience with them, i have took the policy like in every five years they will reduces 5 % if i do not claim it, till now there service was good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 22, 2019
  • United India Health Insurance
    "Good Policy to take"
    0.5 5.0/5 "Blown Away!"
    I have purchased my United India health insurance in the year of 2002. I pay the premium amount of Rs. 12000. This is a primary plan. Me, my wife and my son has been covered in this policy. I have received the covered amount of Rs. 10 lakhs. I have not faced any issue in this policy.
    Was this review helpful? 0
    , ahmedabad
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    I have been using my health insurance with HDFC ERGO, they have charged me premium amount up to 500 rupees , this health insurance is a complimentary insurance issued my bank as i took this bank credit card, the premium amount it was to get deducted on yearly basis, and it use to get deducted from this bank credit card, and after that it converted in to Emi option, and till now i had no experience with this insurance, there is cash less treatment option available.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 22, 2019
  • Bajaj Allianz Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my Health insurance with Bajaj allianz general insurance, they have tie up with many hospital, and they have shared me location regarding this, so far there was no claim experience with them . There is cashless treatment option available , the premium amount they have charged me previously on monthly basis, it was nominal premium charges, i have been paid for 4-5 years continuously, now maturity period got completed.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 22, 2019
  • HDFC Ergo Health Insurance
    "Not satisfied with the service"
    0.5 1.0/5 "Really Bad"
    It was not quite a good experience i had with them where i had started this insurance policy in the year of 2009 and i had been paying the premium amount of 50,000 annually. There was not any single claim which i had made so far, until last year i had tried for a claim and the bill was around 40,000 and they had provided me with only 12,000 which was really a bad experience.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Its Good"
    0.5 1.0/5 "Really Bad"
    Before four month my health policy got expired I don't have interest to renew it again. HDFC Ergo representative called me for the renewal. I don't have claim experience but I believe they provide ac room hospitalization for per day Rs. 3000 will be charged from the insured value and they do have no bonus feature.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 21, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been using my health insurance with Star health insurance, there service is good,i have applied two health loan , one for me and one for my parents, i had claim experience with it , as one year ago,i avail this insurance for my parents, there was cashless option available , and the premium amount they have charged me was nominal, for my parents i use to pay up to 27,000 as yearly basis, and for me 12,000 as yearly basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with HDFC ERGO , the agent that explain me clearly about the policy, and there benefits,and they have tie up with many hospital and they have shared me excel regarding this, i had claim experience on 2016 , my claim experience with this bank was good, the premium amount they have been charged on yearly basis,they have charged premium nominal.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 21, 2019
  • Universal Sompo Health Insurance
    "Speedy claim recovery"
    0.5 4.0/5 "Great!"
    Holding my health insurance from Universal sompo. I'm not getting any mails or messages from Universal Sompo regarding the updates. The policy is really good. This is a 100% covered policy. They have processed the claim immediately with the cashless treatment. The hospital list is really good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 20, 2019
  • ICICI Lombard Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
  • Apollo Munich Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • HDFC Ergo Health Insurance
    "Average Policy"
    0.5 3.0/5 "Satisfactory"
    I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 20, 2019
  • Star Health Health Insurance
    "Less premium with Extra benefits"
    0.5 3.0/5 "Satisfactory"
    Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 20, 2019
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