Avail health insurance to all the state employees through Jyothi Sanjeevini Scheme 2023. Know the documentation, enrolling process, eligibility criteria, and benefits.
The Karnataka government has introduced the Jyothi Sanjeevini Scheme to offer health insurance to state employees and their relatives. In essence, it is a comprehensive healthcare programme that allows participants to get free medical care at facilities approved by the government. This plan can only be utilised for tertiary and emergency care goals for catastrophic illnesses that call for inpatient care, surgeries, and other forms of therapy. Beneficiaries may receive care in super speciality hospitals that have been appointed.
The seven specialities covered by this program include—cardiology, oncology, genitourinary surgery, neurology, burns, polytrauma situations, and neonatal and paediatric surgery—which are all covered for tertiary and emergency care. The beneficiaries of this scheme are not needed to register in any way in order to benefit from it. They simply need to update the information about themselves and their dependents in the DPAR HRMS database.
Specialities Covered Under Jyothi Sanjeevini Scheme
- Neonatal and paediatric surgery
- Polytrauma cases (excluding medico-legal cases)
- Burns
- Neurology
- Genito urinary surgery
- Oncology
- Cardiology
If treatment is received in the general ward of any of the hospitals on the Jyothi Sanjeevini Scheme hospital list network, a government employee is required to cover 30% of the costs. The remaining 70% are handled by the government.
Key Highlights of Jyothi Sanjeevini Scheme
| Name Of The Scheme | Jyothi Sanjeevini Scheme |
| Launched By | Government Of Karnataka |
| Beneficiary | State Government Employees Of Karnataka |
| Objective | To Provide Health Insurance |
| Official Website | arogya.karnataka.gov.in |
| Year | 2023 |
| State | Karnataka |
| Application Procedure | Online/Offline |
Identification Of Beneficiaries Under Jyothi Sanjeevini Scheme
The government insurance department policy number will be used to interface with the HRMS database of the department of personnel and administrative reforms will be used to identify beneficiaries under the Jyoti Sanjeevini Scheme. Suvarna Arogya Suraksha Trust has been given permission by the government to access the database of all government employees and the dependents of the beneficiaries, which includes the spouse and children of government employees as well as their parents (including stepmothers if they ordinarily reside with a government employee and their total monthly income does not exceed ₹6000).
| Info: Under the Jyothi Sanjeevini subscribers can get healthcare services totaling ₹1.5 Lakh annually, including hospitalisation costs, doctor visits, meals, transportation, complication management, medications, and pre- and post-operative medical care. |
Entitlement Of Wards Under Jyothi Sanjeevini Scheme
| Serial Number | Pay Range | Category or Class of Accommodation | Charges |
| 1. | Up to ₹16000 per month | General Ward | As per List |
| 2. | ₹16001 to ₹43200 per month | Semi-Private Ward |
10% higher than general ward |
| 3. | ₹43,201 and above | Private Ward | 25% higher than general ward |
Facilities Provided Under Jyothi Sanjeevini Scheme
- Consultation
- Preliminary examination
- Ward levies
- Medication for managing problems
- Food and drink transportation in the event of death
- Cost of diagnostic procedures
- Hospital bills
- Up to 10 days of post-hospitalisation care that includes medication
- Fixed maximum for stents, implants, etc (if the upper limit extends then the different and cost will be borne by applicant)
Implementation Of Jyothi Sanjeevini Scheme
Beneficiaries may use the cashless system under this programme, with the following exceptions:-
- When the beneficiary chooses stents, implants, etc. that are more expensive than those covered by the benefit package
- When the beneficiary chooses a better ward than what is offered as part of the benefit package
- The beneficiary is responsible for paying the increased expenses in both situations.
Objective of Jyothi Sanjeevini Scheme
The primary goal of the Jyothi Sanjeevini scheme is to offer health insurance to Karnataka’s state government employees. Beneficiaries will be allowed to receive treatment in the hospital that has been appointed through this programme. They will benefit from protection against high medical costs as a result of this. This programme covers all tertiary and urgent care services for the seven specialties. With this programme, recipients no longer need to be concerned about the cost of their medical care because the Government of Karnataka will guarantee that all beneficiaries receive cashless care.
| Note: When patients are admitted to super-specialty wards on the Jyothi Sanjeevini Scheme hospital list, the government pays 50% of the costs. |
Benefits and Features of Jyothi Sanjeevini Scheme
- The Jyothi Sanjeevini Scheme was introduced by the Karnataka government
- The State Government employees and their dependents will be supplied with health insurance through this programme
- This is a comprehensive healthcare programme where participants can receive cashless medical care at participating hospitals
- Exclusively catastrophic illnesses requiring hospitalisation, surgery, and other forms of therapy are eligible for benefits under this programme, which are only available to those in need of tertiary and emergency care
- The program’s beneficiaries may receive care at super speciality hospitals that have been appointed
- This plan has 7 different specialties covered.
Eligibility Criteria of Jyothi Sanjeevini Scheme
- The applicant must reside in Karnataka permanently
- The candidate must be an active state government worker
- Pensioners are not included in this programme
- People working in assisted autonomous institutions without KGID numbers connected to the HRMS database are ineligible to apply for this programme
- Because there is a different health insurance programme for law enforcement personnel called the police Arogya Bhagya programme, the police department is likewise ineligible to apply under this programme.
Required Documents To Apply Under Jyothi Sanjeevini Scheme
- Aadhar card
- Ration card
- Income certificate
- Residence certificate
- Passport size photograph
- Mobile number
Register Under Jyothi Sanjeevini Scheme
- No registration is necessary for beneficiaries to receive the benefits of this programme
- All beneficiaries must simply update their information, including that of any dependents, in the HRMS database for e-governance under DPAR
- The beneficiary must have their KGID number and their Aadhar ID card on them in order to use the cashless treatment offered by this programme
- Arogya Mitra must also receive your KGID number and Aadhar card for verification.
Get Details Of Network Hospital
- Step 1: Go to the official website of Suvarna Arogya Suraksha trust and click on network hospital
- Step 2: On this new page, select district and Hospital type
- Step 3: List of all the network hospitals will appear before you.
Procedure To Get Details Of Benefit Package
- Step 1: Go to the official website of Suvarna Arogya Suraksha trust and press benefit package
- Step 2: Now Hospital type and speciality scheme, press submit
- Step 3: Details of all the benefit packages will be visible on the computer screen.
Procedure To Know Your Pre-Authorisation Status
- Step 1: Go to the official website of Suvarna Arogya Suraksha trust and click on know your preauth status option
- Step 2: On the new page you have to fill in the required details and click on submit
- Step 3: By following this method for you can know your pre-authorisation status
Procedure To View Dashboard
- Step 1: visit the official website of Suvarna Arogya Suraksha trust and click on dashboard
- Step 2: On this new page you can view dashboard
- Step 3: Visit the official website of Suvarna Arogya Suraksha trust and click on Hospital capabilities.
View Hospital Capabilities
- Step 1: On the new page you have to choose District, Taluk, Hospital, speciality and Procedure
- Step 2: After that you have to press on search
- Step 3: By following this method you can view Hospital capabilities
Procedure To Do SAST Login
- Step 1: Go to the official website of Suvarna Arogya Suraksha trust and click on SAST login Option
- Step 2: login using your user id and password
- Step 3: By following this method you can do SAST login
View Contact Details
- Step 1: Visit the official website of Suvarna Arogya Suraksha trust and click on contact us option
- Step 2: On the new page you can view contact details
Contact Details
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Vakilsearch is Now Zolvit
The Karnataka government has made the decision to offer state government employees health insurance. As a result, the primary goal of this programme is to give its users access to high-quality healthcare. Additionally, significant medical issues will be treated under this plan. All beneficiaries can now benefit from free treatment in some hospitals thanks to this programme. You can get in touch with Zolvit to resolve all your doubts. Book a slot with our business consulting experts and kickstart the process easily.
FAQs
Simply bring your KGID number and Aadhaar card to the medical appointment. Arogyamitra will verify it. The Suvarna Arogya Suraksha Trust does not issue cards or need registration.
The ‘Jyothi Sanjeevini Scheme’ is put into action by the Karnataka government. It is a cashless programme available to serving government employees and their families for critical illnesses and ailments.
Through the implementation of a Suvarna health care trust, the Jothi Sanjeevini scheme will offer State Government employees and their dependents in the family cashless medical services.
This programme covers workers who are employed in the formal economy (public and organised private sectors). It is for any business with 10 or more workers as well as any individual contributors who want to use the NHIS standard benefit package.
Employees who work for an organisation can also take advantage of the plan as an individual, family, or group. The money received will cover the expenses for the team member, their spouse, and their four minor children. How Can I Apply for the Jyothi Sanjeevini Scheme?
Which State in India Carries Out the ‘Jyothi Sanjeevini Scheme’?
What Is Jyothi Sanjeevini?
Who Qualifies for the Nhis?
Who Can Benefit From NHIS?
