Karnataka Sandhya Kiran Scheme: Cashless Health Care for Family Pensioners

Karnataka Government introduced its Cashless Healthcare Scheme with the Karnataka Sandhya Kiran Scheme. This scheme provides its benefits to the Government Employee who are retired and all pensioners of the state. Not only the ex-employees and pensioners but now their family members also get the benefits under this new healthcare scheme. The Cashless Healthcare coverage of the scheme is up to Rs.5 Lakhs per year for each of the eligibility beneficiaries. This scheme provides cashless medical expenses in all the Empanelled Government and Private Hospitals of the State.

• Karnataka Sandhya Kiran Scheme is the new Cashless Health Care scheme.
• Cover 5 lakh beneficiaries from the State in which Ex Employee and pensioners, along with their Family members.
• The Medical Expenses will be given upto Rs.5 Lakhs per year.
• The Cashless Health Care treatment benefits can be taken from Empanelled Hospitals in all across the state.

Karnataka Sandhya Kiran Scheme

To reduce the medical expenses burden of the citizens of the state, the State government of Karnataka came up with its new cashless Health Care scheme. In this scheme, the eligible beneficiaries must be government employees of the state who are retired and pensioners below the age of 70 years will be covered. Family Members of the beneficiaries are also able to get free Cashless Treatment from the covered Hospitals. In other words, by implementing this scheme, the state government is also trying to provide financial protection to the eligible beneficiaries.

Now the medical treatment has become more affordable, and every eligible beneficiary will be able to get quality health care services. All the eligible beneficiaries will be getting medical coverage of Rs.5 Lakhs per year on a floater basis. It means they get Secondary, tertiary care, and emergency care from all the linked Hospitals.

Point to Remember

Official Name	Karnataka Sandhya Kiran Scheme
Type of scheme	Cashless Health Care Scheme
Medical Coverage	Upto Rs.5 Lakhs per Year
Beneficiaries	Retired state employees and Pensioners
Additional Beneficiaries	Dependent Family Members
Scheme Implemented By	Suvarna Arogya Suraksha Trust
Treatment Cost	70% from the beneficiary side and 30% from the State Government
Premium Contribution	1.25 Percent Contribute By Service Pensioners from their Basic Pension and 0.75% by family pensioners

Objective of Scheme

The government always wants to provide financial security by reducing the Medical Expenses Burden. Now eligible people will also be able to get quality services for their health from the government as well as private hospitals which are linked with the scheme. Not only this, but the government also add their dependent family members to the scheme to get the health care services benefits with this scheme.

Features of Scheme

• Beneficiaries Covered: Scheme cover total of 4.93 lakh beneficiaries, of which 3.11 lakh pensioners are covered who are below 70 years and also their family members.
• Premium Contribution: All the service Pensioners of the state will need to contribute 1.25% of their basic pension, and the family pensioners need to contribute only 0.75.
• Treatment Cost Contribution: On the total cost of the treatment, 70% will be given from the contribution of the beneficiaries, and the rest of the 30% will be given by the state government.

Eligibility for Sandhya Kiran Scheme

So in this scheme, the government added the beneficiaries such as Primary Beneficiaries, i.e. Service Pensioner and Family Pensioner. But government also added now the dependent family members of the primary beneficiaries. So check their proper eligibility conditions.

Primary Beneficiaries Eligibility

• All the applicant belongs to Karnataka state and be permanent residents of the state.
• State service pensioners mean you must be a government employee of the Government of Karnataka and now receiving your service pensioner regular.
• For Family Pensioners who get the Family Pension from the Government of Karnataka.
• The age limit for pensioners to qualify for eligibility is below 70 years.

Dependent Family Members Eligibility

• Members must be the legal husband or Wife.
• If members are children of the primary beneficiaries, then they must be unmarried and unemployed with an age limit.
• Parents of the primary beneficiaries who totally depend on the beneficiaries.

Premium Deduction

• Service Pensioner: Have to give 1.25 Percent of their Basic Pension.
• Family Pensioner: Need to pay 0.75 percent from their Basic Pension.

Documents Requirement

• Basic Proof of identification, like Aadhaar Card, Voter Card of beneficiaries and their dependent family members.
• Residential proof of Karnataka state, in which you can submit your Domicile Certificate or Electricity Bill.
• PPO Documents given to every pensioner by the state government.
• Pension Slip for deduction of the Premium amount.
• Bank account Details.
• Ration Card to check the dependent Family Member.
• Family dependent members’ age proof.

Is this scheme officially launched?

No, this is just an announcement, but there is no launch date has been announced by the government. When the government launch this scheme, they will also open its official portal for the registration process. This time, the government is just waiting for the final approval, and they are completing the framework of the scheme. When all setup for the scheme, then the scheme official roll out in the state of Karnataka.

What Is Expected Registration for Sandhya Kiran Scheme?

When the registration process is announced by the government, then people need to complete their registration using their documents.

• Access the dedicated portal or the official portal where the government has activated the registration link.
• Using your PPO number, you all have to login on the portal and then click on registration.
• Now start filling this form and enter one by one your family members’ details.4
• One by one, upload the documents and then submit.

Verification Process and Health Card

• On the basis of the documents, verification is done, and then a digital ID will be generated for each of the beneficiaries.
• Then, using the same, you can also download your Karnataka Sandhya Kiran Health Card.
• The premium amount according to your basic Pension amount is deducted by the government. You can not pay the monthly premium amount manually.
• Get the Cashless treatment from Concerned Hospitals.

FAQ