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File No. SS-KL-HLT-001 · Kerala State Scheme · Kerala State Health Agency

Karunya Arogya Suraksha Padhathi — KASP

Cashless health cover of ₹5 lakh a year for Kerala's low-income and vulnerable families — merging five earlier health schemes into one, with pre-existing conditions covered from day one.

Note: KASP is not open for general new enrolment — eligibility is restricted to specific beneficiary groups identified by the government (RSBY/CHIS records, SECC 2011 data). This page explains who qualifies and how to check your status, not a general application process.

What this scheme offers

KASP is Kerala's state implementation of the central Ayushman Bharat PM-JAY scheme, formed by converging five earlier programmes: Rashtriya Swasthya Bima Yojana (RSBY), the Comprehensive Health Insurance Scheme (CHIS), the Senior Citizen Health Insurance Scheme (SCHIS), the Karunya Benevolent Fund (KBF), and PM-JAY itself. It provides cashless coverage of ₹5 lakh per family per year for secondary and tertiary hospitalisation at empanelled hospitals, reaching over 42 lakh families (roughly 64 lakh individuals) in the bottom 40% of Kerala's population. Unlike some equivalent schemes, KASP has no cap on family size or age, and covers pre-existing diseases from the start rather than after a waiting period. The related Karunya Benevolent Fund component separately covers costlier conditions like cancer, haemophilia, kidney and heart disease for families earning under ₹3 lakh a year, and Arogya Kiranam offers free treatment for children under 18 at government hospitals.

Who is eligible

  • Families holding a valid RSBY/CHIS card for 2018-2019, or identified under the 2011 Socio-Economic Caste Census (SECC) as economically weaker.
  • For the Karunya Benevolent Fund specifically: family annual income under ₹3 lakh, regardless of BPL/APL status.
  • New enrolments beyond these identified groups are generally not open — eligibility is based on being in an already-identified beneficiary category.

Documents required

  • Aadhaar card
  • RSBY/CHIS card, or proof of SECC identification
  • Income certificate, for KBF component eligibility

How to check your status

  1. Visit sha.kerala.gov.in to check whether your household appears in the KASP beneficiary database.
  2. If eligible, complete e-KYC verification, after which your KASP card becomes available for download.
  3. You can also open an ABHA card at abdm.gov.in, which links your digital health profile to your KASP coverage.
  4. At the time of treatment, present your KASP card at any empanelled public or private hospital for cashless processing.
  5. If you believe your family should be eligible but isn't showing in the system, contact your nearest Akshaya Centre or the State Health Agency helpline for guidance.

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