Karnataka KSRTC Arogya Scheme

Scheme Introduction: A Brief Overview

• The Karnataka Government has introduced a healthcare insurance scheme called the "KSRTC Arogya Scheme".
• As the name suggests, the scheme is for the employees of Karnataka State Road Transport Corporation (KSRTC) and their dependents.
• Under this scheme, the state government is providing a cashless treatment facility to KSRTC employees including their dependents.
• Beneficiaries can avail cashless treatment in government medical institutions.
• Additionally, cashless treatment under the KSRTC Arogya Healthcare scheme will also be provided in : -
  • Government autonomous Hospitals and research institutes.
  • Government autonomous Hospitals and medical colleges.
  • Private hospitals whether they are single, multi specialty and super hospitals.
  • Ayurvedic, Naturopathy, Unani, and Homeopathic treatment hospitals.
  • Diagnostic Centres.
  • Eye, Dental, Day treatment, and dialysis centers are also in the list.
• Currently, there are 273 hospitals empanelled in the scheme and in future more hospitals to be added.
• The primary objective of the scheme is to offer cashless treatment without worrying about the financial conditions.
• The scheme is also known by other names such as "KSRTC Arogya Yojana" or "KSRTC Health Insurance Scheme" or "KSRTC Arogya Cashless Scheme".
• The medical treatment provided under the scheme is categorized into two ways : -
  • Outpatient Medical Treatment : - A procedure that does not require an overnight stay
  • Inpatient Medical Treatment : - A procedure where patient is admitted to the hospitals.
• If beneficiary received outpatient medical treatment in non-recognized hospitals, the medical expenses will be reimbursed to the employees.
• To avail of the cashless treatment benefit, a monthly premium of Rs 650/- will be deducted from employees salary.
• This premium amount will be increased by Rs 50/- every year. For example, in 2026, the monthly premium amount will be Rs 700/-.
• The Corporation will issue the KSRTC Arogya Health Card to each beneficiary.
• Beneficiaries need to produce this health card to avail scheme benefits.
• In case the health card is lost, it will be re-issued after paying a nominal fee of Rs 150/-.
• The KSRTC Arogya scheme will benefit 34000 employees of corporations and their dependents family members, covers a total of around 1.5 lakh people.
• To take care of scheme implementation and its management, the Corporation established a separate trust for the scheme.
• The corporation has issued a initial fund of Rs 20 crore which will be increased annually by 5%.
• If the amount available in the fund including the employee contribution is not enough for medical expenses, then the difference amount will be paid by the corporation.
• Corporation has launched a dedicated portal for the KSRTC Arogya Scheme, where users can collect detailed information about the scheme.
• However, the procedure to obtain KSRTC Arogya health card is not shared yet. If we have its details then the same will be updated here.
• The government promised to extend the scheme benefits to BMTC Bangalore Metropolitan Transport Corporation), NWKRTC (North Western Karnataka Road Transport Corporation) and KKRTC (Kalyana Karnataka Road Transport Corporation) departments.
• KSRTC Arogya Scheme will be implemented across the state from January 6, 2025.

Scheme Benefits

• The Karnataka government will provide the following benefits under its KSRTC Arogya Scheme : -
  • Cashless Treatment for Karnataka State Road Transport officers, employees and their dependents.
  • Cashless treatment can be availed in Government and Private hospitals.

Eligibility Requirements

• Beneficiary meeting the following criteria are eligible to receive benefits of KSRTC Arogya Scheme : -
  • Applicants must be employee of KSRTC.
  • Dependents of KSRTC Employees and officers.
  • All India Services and Karnataka Administrative Services Officers working on assignment with the corporation.

Ineligibility Criteria of scheme

• Being an employee of a corporation doesn't mean everyone is eligible for the scheme. To clarify this, the corporation has outlined a list of the individuals who have been excluded from the scheme benefits : -
  • Contractual or outsourced private employees of the corporation.
  • Employees performing their duties in loan service from other government departments.
  • Employees from loan service transferred to other government departments from the corporation.
  • Interns or trainees undergoing training in corporation.
  • Employees children above 25 years of age, married, and employed.
  • Employees' parents who are are salaried and their income is above the prescribed limit.
  • Employees perform duties after the issuance of court interim orders.
  • Employees and their dependents contribution not deducted for at least three months.

Required Documents

• Provident Fund Number.
• Mobile Number.
• Employee ID.
• Dependents Details.
• Other as informed by the corporation.

Steps to Apply

• Benefits of KSRTC Arogya Scheme will be provided to its eligible beneficiaries.
• To receive benefits corporation will issue KSRTC Health Card to each eligible beneficiary.
• It is yet to be informed whether the beneficiary need to apply for the KSRTC Arogya health card separately or if it will be issued automatically.
• A dedicated portal for KSRTC Arogya Scheme is launched by the corporation.
• Employees can also login at the scheme official portal with their provident fund number and mobile number.
• Once we receive any updates about KSRTC Arogya Scheme application we will share the details here.
• For further details, beneficiary must visit the KSRTC Arogya portal i.e. www.ksrtcarogya.in.

Relevant Links

• KSRTC Arogya Scheme Employee Login.
• KSRTC Arogya Scheme Guidelines.
• KSRTC Arogya Scheme List of Hospitals.
• KSRTC Official Website.

Contact Information

• KSRTC Arogya Helpline Number : - 7760990130
  7760999167
• KSRTC Arogya Scheme Email Helpdesk : - clwo@ksrtc.org
• Karnataka State Road Transport Corporation Head Office, Post Bag No- 2778, KH Road,
  Shanthinagar, Bangalore -560027