Yeshasvini Health Insurance Scheme
  • What is Yeshasvini Scheme?
  • Inclusions & Exclusions
  • Features and Benefits
Yeshasvini Health Insurance Scheme
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Special Health Insurance Plan Starting @ Rs. 19/D*

  • No Medical Test+ upto 150% NCB
  • Multiple Restoration
  • Free Annual Health Checkup

Get Free Quotes

(Save Upto 10%*on 2 yrs. premium)

Yeshasvini Health Insurance Scheme

In countries like India having a considerable percentage of the deprived population lacking access to primary healthcare facilities, schemes such as Yeshasvini Health Scheme play an integral role in the provision of accessible and affordable medical care. The provision of healthcare services to underprivileged sectors of society is facilitated by this program. Providing financial protection to Karnataka's rural population, the Yeshasvini Health Insurance Scheme has been an indispensable tool since its creation in 2003. They are able to access good medical treatment without the weight of costly bills. The focus of this article is to analyze different aspects of the Yeshasvini Health Scheme such as its objectives, coverage, key features, benefits, and eligibility criteria. The enrollment procedure is also covered during the conversation.

What is Yeshasvini Health Insurance Scheme?

Various insurance providers have collaborated with the Government of Karnataka to implement a pioneering health insurance program known as the Yeshasvini Health Insurance Scheme. The goal is to offer economical health insurance to farmers residing in countryside areas. The state's healthcare needs of the rural population are the specific design for it. The model that the scheme follows is one of cooperation. Members collectively contribute a small premium amount to create a corpus that is utilized for providing health insurance coverage.

Objectives of the Yeshasvini Scheme

The objective at the forefront of the Yeshasvini Health Scheme is to reduce the financial burden associated with healthcare expenses for the rural population of Karnataka. The scheme endeavours to make sure that people and families residing in rural areas can receive prompt and quality medical care by offering reasonably priced health insurance coverage. This solution guarantees that healthcare expenses won't lead to poverty. Also, the project seeks to diminish the healthcare availability disparity between urban and rural locations. It ultimately aids in enhancing public health overall.

What Does It Cover?

The coverage provided by the Yeshasvini Scheme encompasses various medical treatments and procedures. Across a range of specialities such as cardiology, orthopaedics, gastroenterology, gynaecology and more the plan covers both surgeries and interventions. Coverage is also extended to include pre-existing conditions, guaranteeing that those with previously diagnosed illnesses are not prohibited from accessing healthcare.


  • Conditions that don't need hospitalisation: Other than when they are required for the treatment of an illness covered by daycare procedures, outpatient diagnostic, medical, and surgical operations or treatment won't be protected.
  • Aside from those costs covered under pre and post-hospitalisation expenses, additional costs including those incurred at a hospital or nursing home primarily for evaluation or diagnostic purposes only during the hospitalisation period, as well as costs for vitamins, tonics, and other items are excluded, unless they are necessary as part of the attending physician's certified treatment for an injury or illness.
  • Hormone replacement therapy for a sex change or any treatment that results from or is connected in any way to sex change are procedures related to fertility.
  • Intentional self-harm or suicide or a person in a continuous vegetative state.

Features of the Yeshasvini Health Scheme

The Yeshasvini Health Insurance Scheme comes with significant characteristics. The following are some of the key features of the scheme.

The Yeshasvini Health Scheme possesses several vital qualities that distinguish it as a practical and extensive healthcare plan:

  • A nominal premium amount is contributed by members under the scheme's cooperative model. The current cost of premiums for individuals is INR 240 annually. It costs families INR 445 annually. This inexpensive premium makes healthcare coverage available to those who come from low-income backgrounds.
  • The Yeshasvini Scheme offers beneficiaries cashless treatment at network hospitals. Unnecessary upfront payments and reimbursements are removed, so people can access medical services smoothly.
  • Numerous healthcare centres have collaborated with the scheme. The private and government sectors can be seen across Karnataka. This network comprises tertiary care hospitals, district hospitals, and even smaller healthcare centres. The wide range of network hospitals coverage guarantees that beneficiaries have numerous options for receiving medical attention.
  • Yeshasvini Health Scheme has no age limit, unlike some other health insurance initiatives. Enrolling in the scheme enables individuals of all age groups to access its benefits.
  • This scheme encompasses pre-existing conditions. The denial of healthcare access to individuals with chronic illnesses or previous diagnoses is prevented. Addressing the needs of individuals with long-term medical conditions is a particularly crucial feature.

Advantages of the Yeshasvini Health Insurance Scheme

Numerous benefits are offered to the beneficiaries of the Yeshasvini Scheme. The following are some of the benefits:

  • With the scheme, you can enjoy financial protection as one of its primary benefits. A substantial part of medical expenses being covered by the scheme safeguards individuals and families against high healthcare costs. Indebtedness or poverty caused by medical emergencies is reduced.
  • The scheme provides access to quality healthcare services for the beneficiaries at network hospitals. By offering cashless treatment, the scheme overcomes the monetary hurdles that commonly prevent individuals from receiving necessary medical attention. The necessary treatment can be received by beneficiaries without any delays, ensuring this.
  • The Yeshasvini Health Scheme safeguards individuals with extensive coverage that encompasses various medical procedures. Included are major surgeries and critical interventions. The diverse healthcare needs of individuals are catered to by extending coverage to both outpatient and inpatient treatments.
  • The scheme's large network of hospitals offers beneficiaries numerous options to choose from. Thanks to this procedure, individuals can obtain treatment at the hospital they prefer, even if it is a prestigious healthcare foundation.

Eligibility Criteria Yeshasvini Health Scheme

Let us consider the following eligibility criteria for the Yeshasvini Scheme:

  • Those who dwell in the rural regions of Karnataka are specifically targeted by this initiative. People who reside in cities are ineligible for this particular program.
  • The scheme allows enrollment without any upper age limit. People belonging to every age category can reap the benefits of the Yeshasvini Scheme.
  • The applicant should be a part of cooperative societies such as weavers, self-help groups, beedi workers etc for at least 3 months. Their family members need not be a part of any cooperative society to be eligible for the scheme.

How to Enroll in This Scheme?

Enrollment in the Yeshasvini Health Insurance Scheme requires the following steps:

  • To obtain the application form for the scheme, individuals must visit either their nearest enrollment camp or district hospital.
  • Complete the application form with exact details, comprising of personal information, address, and family details. Correct information must be supplied to prevent any inconsistencies during the enrollment process.
  • The filled application form must be accompanied by certain documents for submission. Among others, the documents comprise evidence of residence, identification proof, age proof, and income certificate. The eligibility of the applicant can be verified based on these documents.
  • Submission of the application and documents requires payment of the annual premium amount by the applicant. Both at designated banks and at the campsite itself premium payments can be made.

In a Nutshell

The rural population of Karnataka has found hope in the Yeshasvini Health Insurance Scheme. Affordable and quality healthcare services are provided to them. The scheme has greatly enhanced the physical health and general well-being of those residing in rural areas by tackling the financial obstacles that come with healthcare. With a cooperative model, comprehensive coverage and a large hospital network, the Yeshasvini Health Insurance Scheme is a highly successful endeavour. Healthcare coverage provided to rural communities by it is highly regarded for its effectiveness. Governments and stakeholders must prioritize and implement similar initiatives as healthcare remains a critical aspect of human development. This guarantees well-being for everyone.

Explore Most Popular Health Insurance Plans on PolicyX

Find some of the most trending comprehensive health plans of 2024 below

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

A health insurance plan designed for parents and senior citizens to protect them in their golden years of life. The plan offers a high SI of up to 50 Lakh INR.

Unique Features

  • Individual and Family Floater
  • 2 Plan Variants
  • Up to 50 Lakh INR

Manipal Cigna Prime Senior (Pros)

  • Low Waiting Periods
  • Flexible Room Category
  • Avail Cumulative Bonus
  • Flexible Health Check-up
  • Tele-Consultations

Manipal Cigna Prime Senior (Cons)

  • Injuries Due to Breach of Law
  • Adventure Sports
  • Obesity
  • Cosmetic Surgery
  • Injuries Due to Illegal Activities

Manipal Cigna Prime Senior (Other Benefits)

  • Modern Treatment Cover
  • 10 % Cumulative Bonus
  • Cashless Health Check-Up
  • Mental Illness Cover
  • Domiciliary Hospitalization Cover

Manipal Cigna Prime Senior (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Entry Age - 75 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Activ Health Platinum Enhanced

A unique Plan with features such as a chronic management program, modern treatments, covid-19, and more.

Unique Benefits

  • High SI
  • Affordable Premiums
  • Wellness Benefits

Activ Health Platinum Enhanced (Pros)

  • Earn 100% Health Return
  • Cover for Dental Consultations
  • Modern Treatment Cover
  • Wellness Coach
  • Mental Illness Cover

Activ Health Platinum Enhanced (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Enhanced (Other Benefits)

  • Chronic Management Program
  • Premium Waiver Benefit
  • Reload of SI
  • Road Ambulance Cover
  • Second e-opinion

Activ Health Platinum Enhanced (Eligibility Criteria)

  • Entry Age - Years
  • Max Entry Age - Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

A plan that covers you and your family offering a sum insured of 5 lakhs to 5 crores. The plan offers 15 different types of discounts.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Health Infinity Insurance (Pros)

  • 10% Online discount
  • 5% Early Bird Discount
  • 10% Stay Healthy Discount
  • Credit score discount
  • Concurrent Disclosure Discount

Health Infinity Insurance (Cons)

  • No Obesity Treatment Cover
  • Infertility Treatment Unavailable
  • No Alternative treatments
  • Out-patient not covered
  • Cosmetic Surgery unavailable

Health Infinity Insurance (Other Benefits)

  • 5% Girl Child Discount
  • Restore Benefit
  • 2.5% Vaccination Discount
  • 5% BMI Discount
  • 2.5 % Renewal Discount

Health Infinity Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 5 Crore
  • Waiting Period - 30 Days

Other Health Insurance Companies

What Our Customers Have to Say

Customer Review Image

Achintya Sharma


May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

Customer Review Image

Parag Mehta


May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

Customer Review Image

Anshul Garg


May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

Customer Review Image

Shivalika Varghese


May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

Customer Review Image

Pratibha Chandrakar


May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

Customer Review Image

Kanupriya Ghadge


May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

Customer Review Image

Neelam Sharma


May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

Customer Review Image

Adi Kukreja


May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.