{"id":1823,"date":"2026-11-05T12:03:43","date_gmt":"2026-11-05T12:03:43","guid":{"rendered":"https:\/\/www.coversure.in\/blog\/?p=1823"},"modified":"2026-11-13T11:46:41","modified_gmt":"2026-11-13T11:46:41","slug":"blog-health-insurance-kasp-karunya-arogya-suraksha-padhathi-kerala","status":"publish","type":"post","link":"https:\/\/www.coversure.in\/blog\/health-insurance\/blog-health-insurance-kasp-karunya-arogya-suraksha-padhathi-kerala\/","title":{"rendered":"What is the Karunya Arogya Suraksha Padhathi?"},"content":{"rendered":"\n\n\n\n\n
QUICK GIST<\/b><\/th>\n<\/tr>\n<\/thead>\n
Karunya Arogya Suraksha Padhathi (KASP) is Kerala’s health assurance scheme, run by the State Health Agency (SHA) Kerala as the state’s version of Ayushman Bharat PM-JAY. It gives eligible families cashless treatment of up to \u20b95 lakh per family per year for secondary and tertiary hospitalisation. It is meant for the poorest and most vulnerable 40% of Kerala’s population, covering more than 42 lakh families. Eligibility is pre-identified: families come from SECC 2011 data and earlier schemes like RSBY and CHIS, so you can’t buy your way in. As per SHA Kerala’s dashboard, about 43 lakh families and 78 lakh people are registered. The scheme works at around 180 government and 365 private empanelled hospitals in Kerala. You can check eligibility on the PM-JAY beneficiary portal or at a hospital KASP kiosk. Helpline: 0471 4063121 or 1056.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

KASP Kerala, Unpacked: Who Gets Karunya’s \u20b95 Lakh Cover, How to Use It, and What It Leaves Open<\/b><\/h2>\n

Kerala’s health record is famous. Its hospital bills are still real.<\/b><\/h3>\n

Kerala is the state other states benchmark against. High literacy, high life expectancy, and a public health system the rest of India studies.<\/span><\/p>\n

And yet, a long stay in a private hospital in Kochi or Kozhikode can still knock a family’s savings flat. That’s the gap Karunya Arogya Suraksha Padhathi (KASP) was built to close for the families who need it most.<\/span><\/p>\n

KASP is also one of the most actively used government health schemes in the country. SHA Kerala’s own dashboard shows more than 72 lakh claims processed so far. People here use their cover.<\/span><\/p>\n

This blog explains who KASP is for, how to use it without fuss, and how to think about cover beyond it, especially if you’re one of the many Keralites who don’t qualify.<\/span><\/p>\n\n\n\n
Sorting out KASP for your parents in Thrissur while working in the Gulf?<\/b> Long-distance insurance admin is a sport nobody trained for. <\/span>Book a call with us<\/span><\/a> and we’ll help you map the family’s cover. Faster than waiting for the next home trip.<\/span><\/th>\n<\/tr>\n<\/thead>\n<\/table>\n

What exactly is KASP?<\/b><\/h3>\n

KASP is how Kerala runs Ayushman Bharat PM-JAY, with the state’s own name and management. The State Health Agency (SHA) Kerala implements it. Over time, Kerala folded several older schemes into KASP, including RSBY and the Comprehensive Health Insurance Scheme (CHIS).<\/span><\/p>\n

In plain terms:<\/span><\/p>\n