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How to Apply for Kerala Karunya Arogya Scheme (KASP) 2026
Kerala Karunya Health Insurance - ₹5 lakh per family. Covers BPL + APL families.
📁 StateSchemes
⏱️ 15-20 mins
💰 Free for poor
Visit Official Portal →
About This Guide
Kerala Karunya Arogya Suraksha Padhati (KASP) provides ₹5 lakh per family annual health cover. Combines Ayushman Bharat (₹5L) for SECC families + Karunya state extension. Cashless at 700+ empanelled hospitals across Kerala. Treats critical illnesses, surgeries.
Eligibility Criteria
- Kerala permanent resident
- SECC 2011 listed (Ayushman) OR APL families (Karunya extension)
- Aadhaar mandatory
- Active treatment beneficiary
Documents Required
Keep these documents ready before starting application. Missing documents = delayed approval.
- Aadhaar
- Kerala domicile
- Ration card
- SECC verification (if BPL)
- Family details
- Photo
Step-by-Step Application Process
Follow these steps in order. Each step is critical - skip none.
Visit Portal
sha.kerala.gov.in.
Check Eligibility
Enter Aadhaar/Ration to verify.
Visit Empanelled Hospital
700+ hospitals in Kerala.
Show Card + Aadhaar
At Karunya/Ayushman desk.
Get Card Generated
Free at hospital.
Treatment Approval
Online 1-2 days for surgeries.
Cashless Treatment
No payment. ₹5L coverage.
Key Benefits
- ₹5 lakh per family/year
- Cashless 700+ hospitals
- Critical illnesses covered
- Pre-existing covered
- Kerala-specific extension
- Combined with Ayushman
- Even APL covered (Karunya)
What Happens After Application?
Card same-day. Use as needed. Annual coverage refreshes.
Frequently Asked Questions
KASP vs Ayushman?
Ayushman Bharat for SECC families. KASP extends to APL too. Same hospital, same ₹5L.