Yeshasvini Health Insurance

What is Yeshasvini Health Insurance?

Yeshasvini Cooperative Farmers Health Care Scheme is Karnataka's pioneering health insurance scheme specifically for members of cooperative societies — particularly farmers. Launched on 1 June 2003 and reintroduced in 2023, it provides cashless surgical treatment up to ₹5 lakh per beneficiary per year at 1,500+ network hospitals across Karnataka. The scheme covers 1,650+ surgeries including cardiology, oncology, neurosurgery, orthopaedic, gynaecology, urology, and trauma. Membership is voluntary — annual contribution of ₹500 per individual or ₹1,500 per family (4 members). Special concession of ₹250 for SC/ST farmers. The scheme is administered by Yeshasvini Cooperative Farmers Health Care Trust under the Department of Cooperation, Karnataka. Implementation through DCC Banks, Primary Agricultural Cooperative Societies (PACS), and Cooperative Marketing Societies — making it one of the largest cooperative health insurance schemes in Asia with 50+ lakh members.

Who is Eligible for Yeshasvini Health Insurance?

• ✓ Member of any registered Cooperative Society in Karnataka — minimum 6 months prior to enrolment
• ✓ Includes PACS, DCC Bank, Cooperative Marketing Society, Milk Cooperative, Weavers Society members
• ✓ Family members of primary member (spouse + 2 unmarried children up to 25 years) also covered
• ✓ Age limit: no upper limit; from infants to elderly all covered
• ✓ Annual premium ₹500 per individual; ₹1,500 family of 4 (SC/ST ₹250/₹750 — 50% concession)
• ✓ Indian citizen with valid Aadhaar and Karnataka residence

Documents Required for Yeshasvini Health Insurance

How to Apply for Yeshasvini Health Insurance Online?

1. 1Become a member of any Karnataka Cooperative Society (PACS / DCC Bank / Milk Cooperative / Weavers Society) if not already a member
2. 2Visit your Cooperative Society between April-June each year for Yeshasvini enrolment (annual policy April-March)
3. 3Submit Yeshasvini enrolment form with Aadhaar copies of all family members + cooperative membership card
4. 4Pay annual premium: ₹500 individual / ₹1,500 family of 4 (₹250/₹750 for SC/ST with caste certificate)
5. 5Receive Yeshasvini ID Card / QR-code based digital card for each family member
6. 6For surgery: Visit any of 1,500+ Yeshasvini network hospitals across Karnataka with Yeshasvini Card + Aadhaar
7. 7Hospital's Yeshasvini desk verifies eligibility and admits patient for cashless treatment
8. 8Surgery and 7-day pre-hospitalisation + 30-day post-hospitalisation expenses covered up to ₹5 lakh
9. 9Renew Yeshasvini policy each year April-June to maintain continuous coverage

Frequently Asked Questions — Yeshasvini Health Insurance