Quick Overview

The Yeshasvini Health Insurance Scheme is Karnataka’s cooperative-based healthcare program, launched in 2003. It offers cashless treatment for approved procedures at empanelled government and private hospitals across the state (not outside). 

The scheme supports members of rural and urban cooperative societies and covers eligible pre-existing conditions from day one, strictly as per the official package list. Coverage is provided through predefined procedure-wise package rates, with overall benefit limits subject to scheme guidelines.

Access to affordable healthcare is still out of reach for many families in Karnataka, especially farmers, daily-wage workers, artisans, and cooperative society members, due to high medical costs, limited insurance coverage, and distance from quality hospitals. The Yeshasvini Health Insurance Scheme, reintroduced by the Department of Co-operation, Government of Karnataka, bridges this gap with low-cost, cashless treatment across network hospitals. 

In this guide, we break down everything you need to know about the Yeshasvini Health Insurance Scheme: how it works, who can apply, what’s covered (and what’s not), how to enroll, and what are the benefits.

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Benefits Under the Yeshasvini Health Insurance Scheme

    • Coverage Limit: Families are covered for up to ₹5 lakh per year for major illnesses and hospitalizations (this limit applies per family, not per person).
    • Wide Coverage: Covers 2,100+ procedures, including 1,650+ medical and surgical treatments across specialties such as cardiology, neurology, orthopedics, ENT, gynecology, and oncology (as per notified packages).
    • Cashless Treatment: Members can receive approved surgeries at empaneled hospitals in Karnataka without making upfront payments. Treatment outside the state is not covered.
    • Affordable Premiums: Members pay a nominal annual fee—₹500 (rural) or ₹1,000 (urban) for up to four members, with a small additional charge for each extra family member.
    • Broad Range of Services: Beyond surgeries, coverage extends to in-patient care, diagnostic tests, and ICU procedures.
    • Additional Benefits: 25% discount on diagnostics and OPD Benefits Consultation ₹200 (₹100 by beneficiary, ₹100 reimbursed).
    • Inclusive Eligibility: Open to cooperative society members, including farmers, weavers, and fishermen, generally from birth up to age 75.

Eligibility for Yeshasvini Health Insurance Scheme

Eligibility CategoryRequirements Details
ResidencyThe applicant must be a permanent resident of Karnataka.
Cooperative MembershipMust be an active member of a registered Cooperative Society (farmers, fishermen, weavers, beedi workers, Stree Shakti, or Self-Help Groups) for at least 3 months before enrollment.
Age LimitNo upper age limit. Newborns to senior citizens are eligible. Newborn babies can use the mother’s card for 30 days from birth.
Family DefinitionCoverage includes the primary member, spouse, dependent parents, children, daughters-in-law, and grandchildren; married daughters only if living with family and paying subscription.
Income RestrictionIndividuals (government or private employees) drawing a salary above ₹30,000 per month are ineligible.
Society StatusThe Cooperative Society must be active and registered under the Karnataka Cooperative Societies Act, 1957. Members of liquidated or inactive societies are ineligible.
Other Insurance CoverageIndividuals already covered under another health insurance scheme are not eligible to enroll under Yeshasvini.
Excluded RelativesRelatives such as brothers, sisters, in-laws, and their families are not covered under the family definition.

Yeshasvini Health Insurance Scheme Network Hospital List

Since the list of empanelled hospitals is updated regularly, you should always check the most current version through the official site.

Major Empanelled Hospitals (Indicative List)

Below are some prominent hospitals that generally accept Yeshasvini Health Insurance Scheme benefits (subject to current empanelment):

DistrictNotable Public HospitalsNotable Private Hospitals
BengaluruJayadeva Institute of Cardiology, Bowring & Lady Curzon, Victoria HospitalNarayana Health, M.S. Ramaiah, Sparsh Hospital, Nethradhama Eye Hospital
MysuruK.R. Hospital (MMC & RI)Apollo BGS Hospital, Narayana Hrudayalaya (Mysuru)
UdupiDistrict Hospital, UdupiAdarsha Hospital, Prasad Netralaya, New City Speciality
BelagaviBIMS (Belagavi Institute)KLES Dr. Prabhakar Kore Hospital, Lakeview Hospital
MangaluruWenlock District HospitalFather Muller Medical College, A.J. Hospital, KMC Mangaluru
Dharwad/HubliKIMS HubballiSuchirayu Hospital, SDM College of Medical Sciences

Note: Empanelment changes periodically. Always confirm current status before admission.

CTA

Yeshasvini Health Insurance Scheme Coverage & Exclusions

What’s Covered (Inclusions)What’s Not Covered (Exclusions)
Procedures & Specialties: Over 2,100 surgical procedures including cardiac, orthopaedic, pediatric, obstetrics & gynaecology, neurosurgery, vascular surgery, and surgical oncology.Organ transplants (heart, kidney, liver, etc.), elective/cosmetic surgeries not required for functional restoration.
General Surgery: Hernia repair, appendectomy, gallbladder removal, etc.Cosmetic procedures, routine dental treatments, prosthetics, hearing aids, spectacles.
Cardiac & Thoracic: Bypass surgery, angioplasty, heart-related procedures as per the official package list.Ongoing chemotherapy, radiotherapy, immunotherapy, long-term chronic disease management outside approved surgical packages.
Orthopaedics: Fracture surgeries, spinal surgeries, joint replacements (hip/knee).Long-term physiotherapy or rehabilitation outside approved packages.
Pediatric procedures including neonatal intensive care (covered once enrolled).Post-discharge consultations, follow-up visits, medicines purchased outside of hospitalization.
Obstetrics & Gynaecology: Normal delivery, caesarean section, hysterectomy, other gynecological surgeries.Infertility treatment, IVF, or assisted reproductive procedures.
Emergency Care: Snake bites, dog bites, electrocution, agricultural accidents, drowning, etc.Road traffic accidents (usually covered under separate government schemes), self-inflicted injuries, hazardous sports injuries.
Hospital Stay Costs: Room rent (general ward), surgeon/anesthesia fees, medicines, consumables, nursing, operation theatre charges (cashless at network hospitals).Specific Conditions: Dialysis, treatment for burns, routine diagnostics not linked to a covered surgery.

Note: Always review the latest official Yeshasvini package list and scheme guidelines to understand the full set of exclusions and limitations before planning treatment.

How to Register for the Yeshasvini Health Insurance Online

Enrollment for the Yeshasvini Health Insurance Scheme happens through cooperative societies (not via a direct online application). Here’s how you can join:

    • Check the Enrollment Window: Enrollment for the Yeshasvini Health Insurance Scheme is open annually from January 3 to March 31. Confirm exact dates with your cooperative society.
    • Visit Your Cooperative Society or Cooperative Bank: Go to the society or affiliated cooperative bank where you hold membership and collect the enrollment form.
    • Submit Documents: Provide ID proof, address proof, cooperative membership certificate, family details, photographs, and caste certificate (only if applying for a subsidy).
    • Pay the Premium: Pay the annual subscription as per rural or urban member rates.
    • Get Your Health Card: Your society uploads your details to the system. A Yeshasvini Health Card / Unique Health ID (UHID) is issued for you and your family.
    • Activation Period: The card typically becomes active after a short waiting period (around 15 days) before you can use it for hospital treatment.

Yeshasvini Health Insurance Scheme: Documents Required for Registration

Document CategoryRequired Documents
Proof of MembershipA valid certificate from your Rural or Urban Cooperative Society, Self-Help Group, or Stree Shakti Group, certifying you have been an active member for at least 3 months.
Proof of IdentityAadhaar Card (Mandatory for the primary member and all dependents).
Proof of AddressRation Card or Aadhaar Card (Ration card is preferred as it verifies family structure).
PhotographsTwo recent passport-size photographs for each family member to be enrolled.
Caste CertificateSC/ST Certificate (with RD number) is required if you are applying for a premium subsidy (government bears 100% of the cost for SC/ST families).

Yeshasvini Health Insurance Scheme Contact Directory

Entity / Contact TypeContact Details
Official Portalsahakarasindhu.karnataka.gov.in
Yeshasvini Trust Address#70, 2nd Floor, P.E.A. Complex, Near Basavanagudi Post Office, K.R. Road, Bengaluru – 560004.
Trust Helpline (General)080-26671616
Trust Emailyeshtrust1@gmail.com
Managed Service Provider (FHPL) Toll-Free1800-309-3947
FHPL* Email (Claims/Auth)ka.yeshasvini@fhpl.net
FHPL Support (Service)1800-258-5970
FHPL Support (Claims)1800-258-5881
Emergency/24x7 Support1860-500-8888
Registrar of Co-operative Societies#1, Ali Asker Road, Vasant Nagar, Bengaluru – 560052.

*Note: Claims processing and hospital coordination under Yeshasvini are handled by the Family Health Plan Insurance (FHPL), the scheme’s Third-Party Administrator (TPA).

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Conclusion

The Yeshasvini Health Insurance Scheme is a self-funded healthcare scheme (not traditional insurance) for farmers, informal workers, and cooperative members in Karnataka. With a low annual premium supported by subsidies and cooperatives, it makes essential healthcare more affordable. Enrollment opens annually and requires a minimum of three months of cooperative membership. That said, coverage is package-based, with exclusions and fixed limits per procedure, so it’s important to check what’s included before enrolling.

If you’re eligible, Yeshasvini can reduce financial stress during medical emergencies. But if you are looking for higher flexibility, broader coverage, or protection beyond package limits or outside Karnataka, the Yeshasvini Health Insurance Scheme may not meet your needs. In such cases, it is advisable to opt for a comprehensive health insurance plan that offers wider hospital choices, higher benefits, and greater overall protection. You can read Ditto’s Cut to learn more about how we evaluate insurers and health plans in detail.

Disclaimer: The Yeshasvini Health Insurance Scheme is a government-managed scheme. The information shared here is for educational purposes and is based on publicly available sources. This content is not affiliated with any private insurance advisory service. Please verify all details with the Yeshasvini Trust or the Department of Co-operation, Government of Karnataka, before making any decision.

Frequently Asked Questions

How to access hospital services with Yeshasvini Health Insurance Scheme?

Choose an empanelled hospital, carry your Yeshasvini card/ID, and consult the hospital’s Yeshasvini desk. Obtain pre-authorization for the specific package before admission. Treatment is cashless only for approved procedures and standard room categories.

Are there any restrictions on hospital choice, doctor selection, or room category under the Yeshasvini Health Insurance Scheme?

No. Under Yeshasvini, cashless treatment is available only at empanelled hospitals in Karnataka and strictly as per approved treatment packages. The hospital assigns doctors as per the package and availability, and coverage is limited to standard room categories; any upgrades must be paid by the patient.

What should I do if a hospital refuses cashless treatment under Yeshasvini Health Insurance Scheme?

Confirm the hospital’s empanelment and that your procedure is covered under the approved package list. Ask for the hospital’s Yeshasvini coordinator to initiate pre-authorization. If denied, report it to the Yeshasvini Trust through your cooperative society and seek written reasons for escalation.

How can I check if my family is eligible for Yeshasvini Health Insurance Scheme?

Verify active membership and premium payment status with your cooperative society. Ensure each family member is enrolled on the current-year Yeshasvini list and that age criteria are met. The society office can confirm beneficiary IDs and validity instantly.

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