Karnataka Arogya Sanjeevini Scheme

Arogya Sanjeevini Scheme (KASS) is a government-funded cashless healthcare assurance scheme launched by the Government of Karnataka for state government employees and their dependent family members. Eligible employees receive cashless treatment for 1,200 types of diseases at empanelled hospitals across the state with no upfront payment, no referral letter required, and no private insurance company involved. The scheme is implemented by the Suvarna Arogya Suraksha Trust (SAST) and came into force from 1 October 2025.

Introduction of Karnataka Arogya Sanjeevini Scheme: A Brief Insight

For decades, Karnataka State Government employees faced a common problem. When a family member fell seriously ill, the first challenge was not medical, it was financial. Government hospitals often lacked specialist care, while private hospitals demanded large upfront payments. Employees had to arrange money from personal savings, apply for advances, pay first and claim reimbursement later, and spend months chasing paperwork. The Arogya Sanjeevini Scheme was designed to end this cycle permanently.

The Government of Karnataka announced the Arogya Sanjeevini Scheme (KASS) in the Karnataka Budget 2021-22. The Cabinet approved it on 22 July 2021. After years of preparation and technical groundwork, DPAR finally issued the implementation order and the scheme officially came into force from 1 October 2025. The scheme is implemented by the Suvarna Arogya Suraksha Trust (SAST) under the Department of Personnel and Administrative Reforms (DPAR) and the Department of Health and Family Welfare.

One important distinction that most people miss is that the Arogya Sanjeevini Scheme is not a health insurance policy. No private insurance company is involved. It is a government-funded assurance-mode healthcare system where all claims are settled directly between empanelled hospitals and SAST. This means employees do not need to worry about claim rejections, policy exclusions, or insurance company approvals. The government itself backs every cashless treatment.

Under the scheme, eligible employees receive cashless treatment for 1,200 types of diseases across all major medical specialities at empanelled government hospitals, teaching hospitals, local body hospitals, and registered private hospitals. Phase I covers inpatient services, emergency services, ambulance services, eye and dental services, chemotherapy, hemodialysis, biopsy, minor surgeries, and AYUSH treatments. Agreements have already been signed with 500 private hospitals, with the network expanding to 1,000 hospitals. No departmental referral letter is required; the employee simply arrives at the empanelled hospital with their KGID number and Aadhaar, the Arogyamitra verifies eligibility via HRMS within 5 minutes, and cashless treatment begins immediately.

Around 5.20 lakh state government employees and 3 lakh staff from corporations, boards, and aided institutions along with their dependent family members, are covered under the scheme. A major improvement over the previous Jyothi Sanjeevini scheme is that parents of both male and female government employees are now covered, provided they are living with the employee and their total monthly income does not exceed Rs. 1,000. Monthly contributions are deducted from salary through Treasury-2 and credited to SAST. Where both husband and wife are government employees, only one contribution needs to be deducted.

Arogya Sanjeevini Scheme covers the healthcare needs of government employees, while other Karnataka Government health initiatives address the broader population. Cardiac emergencies across Karnataka are handled through the Puneeth Rajkumar Hrudaya Jyothi Scheme, which provides free Golden Hour treatment, including a free Tenecteplase injection worth Rs. 30,000 to any heart attack patient at government taluk hospitals across the state. General residents of Karnataka seeking universal primary health services can access the Gruha Arogya Scheme, through which the government brings basic health checkups and medical services to citizens at their doorstep. Citizens needing broader hospitalisation coverage can additionally explore the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana, which provides cashless treatment up to Rs. 5 lakh per year at empanelled hospitals for eligible families.

Government employees and their families looking for more health welfare schemes, social security programmes, employee welfare initiatives, and Karnataka Government benefit programmes can also explore other initiatives available under our Karnataka Government Schemes List section, according to their eligibility and service category.

KASS vs Jyothi Sanjeevini – Key Differences

Arogya Sanjeevini Scheme replaces the earlier Jyothi Sanjeevini scheme for Karnataka Government employees. Here is a clear comparison of what has changed and what new benefits employees now receive.

Benefits Provided to Eligible Beneficiaries

Arogya Sanjeevini Scheme of the Karnataka Government provides comprehensive cashless healthcare benefits to eligible Karnataka Government employees and their dependent family members at empanelled hospitals across the state.

Cashless Treatment Benefits

• Fully cashless treatment at empanelled government hospitals, teaching hospitals, local body hospitals, and registered private hospitals across Karnataka
• Zero upfront payment at empanelled hospitals, Arogyamitra at the hospital verifies eligibility via HRMS and Aadhaar within 5 minutes and settles claims directly with SAST
• No departmental referral letter required to avail cashless treatment at empanelled hospitals
• Reimbursement facility available for 6 months for employees who make advance payments at hospitals not yet empanelled under the scheme

Treatment Coverage Under Phase I

• Inpatient services
• Emergency services
• Ambulance services
• Eye services, including cataract surgery
• Dental services
• Chemotherapy
• Hemodialysis
• Biopsy
• Minor medical procedures
• Minor surgeries, including D&C, tonsillectomy, spinal injection, AV shunting, and similar procedures
• AYUSH treatments including Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy

Hospital Network Benefits

• Agreements already signed with 500 private hospitals across Karnataka
• Hospital network expanding to 1,000 hospitals within 6 months of scheme launch
• District-wise list of empanelled hospitals available on the official KASS Portal
• Both public and private empanelled hospitals are available across all districts of Karnataka

Coverage for 1,200 Diseases

• Cashless treatment available for 1,200 types of diseases across all major medical specialities
• Coverage includes both allopathic treatment and AYUSH systems
• Approved rate list for all covered treatments available at KASS Approved Rate List

Eligibility Conditions Required to be Fulfilled

The following eligibility conditions apply to government employees and their dependent family members seeking cashless treatment under the Arogya Sanjeevini Scheme as per the official KASS guidelines issued by DPAR and the Department of Health and Family Welfare.

Eligible Employees

• All Karnataka State Government employees with a valid KGID number
• Staff of government corporations, boards, and aided institutions covered under the scheme
• Non-permanent employees of the Karnataka Government are eligible through enrollment at hrms.karnataka.gov.in:8081

Eligible Dependent Family Members

• Spouse of the government employee
• Parents (both father and mother) of the government employee must be living with the employee and dependent on the employee; the total monthly income of the parents must not exceed Rs. 1,000
• Children, including adopted children, must be unmarried, unemployed, and have no independent income
• Children up to 25 years of age are eligible as dependents
• The stepmother of the government employee if living with and dependent on the employee

Important Eligibility Conditions

• Both husband and wife are government employees: only one contribution needs to be deducted from either salary; family members cannot be enrolled under both accounts simultaneously
• Dependent family members must be living with the government employee
• Family members already covered under any other health scheme, such as Arogya Bhagya, ESIC, or private health insurance, are not eligible for duplicate enrollment under KASS
• Pensioners are not covered under the scheme at present
• Employees who do not wish to be covered must submit a written objection through their superiors

Documents Required to be Attached

Government employees enrolling under the Karnataka Government’s Arogya Sanjeevini Scheme must submit the following documents along with Form A in duplicate to their DDO through the Head of Office or Reporting Officer as per Government Order No. DPAR 16 SMR 2020 Part 5 dated 09.03.2023.

• Passport-size photograph of the government employee and all eligible family members within 50 KB each, employee must sign and date on each photograph. Photographs are to be renewed once every 5 years
• Date of Birth documents for all dependent children
• Aadhaar Card of each beneficiary, including the employee and all dependent family members
• Pay Slip of the government employee
• Legal documents such as an adoption certificate or a marriage certificate, wherever applicable
• Self-declaration in Form A1 by the government employee
• Self-declaration in Form A2 by the spouse if the spouse is also a government employee
• Self-declaration in Form A3 confirming that parents and children are living with and dependent on the employee
• Form A4 for the addition or deletion of family members whenever changes occur in family composition

Important: Children below 5 years of age do not require an Aadhaar Card at the time of enrollment. All information in the forms must be provided in English for data entry purposes. One copy of Form A must be retained by the employee for personal records.

How Employees Can Enrol and Avail Benefits Under the Scheme

Karnataka Government’s Arogya Sanjeevini Scheme provides two enrollment routes for permanent government employees and a separate dedicated portal for non-permanent employees. The process to avail cashless treatment after enrollment is the same for all categories.

Route 1: Enrollment Through Hard Copy (Permanent Employees)

Permanent Karnataka Government employees can enrol by submitting a physical application to their DDO as per Government Order No. DPAR 16 SMR 2020 Part 5 dated 09.03.2023.

Step 1: Download and fill Form A available on the official KASS Portal in duplicate. Provide all details in English for data entry purposes.

Step 2: Fill the relevant self-declaration forms. Fill Form A1 as a government employee. Fill Form A2 if your spouse is also a government employee. Fill Form A3 to declare that parents and children are living with and dependent on you.

Step 3: Attach all required documents, including passport-size photographs of all family members signed and dated by the employee, Aadhaar Cards, Date of Birth documents for children, Pay Slip, and legal documents wherever applicable.

Step 4: Submit Form A in duplicate, along with all attachments, through the Head of Office where your Service Register is maintained or through your Reporting Officer to the DDO.

Step 5: The DDO verifies the application, enters employee and dependent details in HRMS, and approves the enrollment. One copy of Form A is retained in the Service Register and one copy is kept by the employee.

Step 6: After DDO approval in HRMS, the employee becomes eligible for cashless treatment at all empanelled hospitals under KASS.

Route 2: Enrollment Through KASS Mobile App (Permanent Employees)

Permanent Karnataka Government employees can also enrol and manage their dependent family member details through the official KASS Mobile App.

Step 1: Visit the official KASS Portal and click on the Download KASS Mobile App link or directly download the app from hrms.karnataka.gov.in/Admin/Forms/hrms_new_app.apk.

Step 2: Register as a new user on the app for the first time. Log in again using the new password created during registration.

Step 3: Fill in all dependent member details on the app. Dependents can be added, amended, or removed from the list as required.

Step 4: Upload the self-declaration letter of the government employee on the mobile app.

Step 5: Fill and submit Annexure 1 in duplicate to your DDO through your Reporting Officer along with all required documents.

Step 6: After DDO approval, the enrollment is reflected in HRMS and the employee becomes eligible for cashless treatment at empanelled hospitals.

Route 3: Enrollment for Non-Permanent Employees

Non-permanent Karnataka Government employees have a separate dedicated enrollment portal provided by the government for registering under the Karnataka Arogya Sanjeevini Scheme.

Step 1: Visit the dedicated non-permanent employee enrollment portal at hrms.karnataka.gov.in:8081.

Step 2: Register on the portal using your employee credentials and complete the enrollment process by filling in all required personal and dependent family member details.

Step 3: Upload all required documents, including Aadhaar Cards, photographs of family members, Date of Birth documents, and self-declaration forms.

Step 4: Submit the application through the portal. The respective institution is responsible for deducting the monthly contribution and remitting it directly to the SAST account since non-permanent employees are not covered under the HRMS Treasury-2 deduction.

Step 5: After successful enrollment, the non-permanent employee becomes eligible for cashless treatment at empanelled hospitals under KASS.

How to Avail Cashless Treatment at Empanelled Hospitals

The process to avail cashless treatment is the same for all enrolled employees and their dependent family members, regardless of enrollment route.

Step 1: Visit any empanelled hospital under KASS. The district-wise list of empanelled hospitals is available on the official KASS Portal.

Step 2: Carry your KGID number, Aadhaar Card, and DDO e-signed copy at the time of visiting the hospital.

Step 3: Approach the Arogyamitra (health facilitator) at the empanelled hospital. The Arogyamitra verifies your eligibility through HRMS and Aadhaar within 5 minutes.

Step 4: After successful verification, cashless treatment is provided immediately. No departmental referral letter is required. Hospital claims are settled directly with SAST.

Step 5: For hospitals not yet empanelled under KASS, employees can make an advance payment and claim reimbursement under the 6-month reimbursement facility extended by the government.

Important: If any changes occur in family composition such as the marriage of a daughter, the birth of a child, or the death of a family member, the employee must update the details by submitting Form A4 to the DDO immediately to avoid any issues during treatment.

How to Check Empanelled Hospitals Under KASS

Before visiting any hospital for cashless treatment under the Arogya Sanjeevini Scheme, employees must confirm that the hospital is empanelled under KASS. Visiting a non-empanelled hospital means paying upfront and claiming reimbursement later which defeats the purpose of cashless treatment.

• Visit the official KASS Portal at kass.karnataka.gov.in
• Navigate to the empanelled hospitals section on the portal
• Select your district from the available list to view all empanelled hospitals in your area
• Filter by hospital type, such as government hospital, private hospital, or AYUSH centre, based on your treatment requirement
• Confirm the hospital name, address, and speciality before visiting for treatment

Important: The list of empanelled hospitals is regularly updated as new hospitals are added to the network. Always check the latest list on the official KASS Approved Rate List page before planning treatment. If your required hospital is not yet empanelled, you can avail of treatment and claim reimbursement under the 6-month reimbursement facility extended by the government.

Important Links Available

• Karnataka Arogya Sanjeevini Scheme Official Portal.
• Karnataka Arogya Sanjeevini Scheme Application Form.
• KASS Eligibility Details.
• KASS Beneficiary Enrollment Process.
• KASS Approved Rate List Under the Scheme.
• KASS Eligible Beneficiaries Details.
• KASS Standard Treatment Guidelines.
• Suvarna Arogya Suraksha Trust (SAST) Official Portal.
• Download KASS Mobile App.
• KASS Enrollment Portal for Non-Permanent Employees.

Contact Details in Case of Help Needed

Government employees facing issues related to Karnataka Arogya Sanjeevini Scheme enrollment, cashless treatment, dependent family member details, HRMS queries, or scheme-related clarifications can contact the following official channels.

• HRMS2 Directorate
  5th Floor, KPCL Green Building,
  Palace Road,
  Bengaluru 560001
• Helpline Numbers: 080-22372881 / 080-22372882 (Available 10:00 AM to 5:30 PM)
• Email: asst-hrms@karnataka.gov.in
• Suvarna Arogya Suraksha Trust (SAST): sast.karnataka.gov.in/sast/English/
• DPAR Karnataka: dpar.karnataka.gov.in

Frequently Asked Questions (FAQs)

Q. What is the Arogya Sanjeevini Scheme?

Ans. Arogya Sanjeevini Scheme (KASS) is a cashless healthcare assurance scheme launched by the Government of Karnataka to provide free cashless medical treatment to Karnataka State Government employees and their dependent family members at empanelled hospitals across the state. It is implemented by the Suvarna Arogya Suraksha Trust (SAST) under DPAR and the Department of Health and Family Welfare.

Q. Is the Arogya Sanjeevini Scheme a health insurance policy?

Ans. No. Arogya Sanjeevini Scheme is not a traditional health insurance policy. It is a government-funded assurance-mode healthcare system where no private insurance company is involved. All claims are settled directly between empanelled hospitals and SAST without any insurance intermediary.

Q. When was the scheme officially implemented?

Ans. Although the scheme was announced in the Karnataka Budget 2021-22 and received Cabinet approval on 22 July 2021, it was officially implemented from 1 October 2025 after DPAR issued the implementation order.

Q. Who is eligible under the scheme?

Ans. All Karnataka State Government employees with a valid KGID number, staff of corporations, boards, and aided institutions, and non-permanent government employees are eligible. Their dependent family members, including spouse, parents, and children up to 25 years are also covered.

Q. Are parents of female government employees also covered?

Ans. Yes. Unlike the previous Jyothi Sanjeevini scheme, which covered only parents of male employees, the Arogya Sanjeevini Scheme covers parents of both male and female government employees, provided the parents are living with the employee and their total monthly income does not exceed Rs. 1,000.

Q. Are pensioners covered under the scheme?

Ans. No. Pensioners are not covered under the scheme at present.

Q. How many diseases are covered under the scheme?

Ans. The scheme provides cashless treatment for 1,200 types of diseases across all major medical specialities, including both allopathic and AYUSH treatment systems.

Q. Is a referral letter required to avail cashless treatment?

Ans. No. No departmental referral letter is required to avail cashless treatment at empanelled hospitals under the scheme.

Q. What documents should an employee carry to the hospital?

Ans. The employee must carry their KGID number, Aadhaar Card, and DDO e-signed copy at the time of visiting an empanelled hospital for cashless treatment.

Q. How is treatment verified at the hospital?

Ans. The Arogyamitra (health facilitator) at the empanelled hospital verifies the employee’s eligibility through HRMS and Aadhaar within 5 minutes. After verification, cashless treatment is provided immediately and the hospital claim is settled directly with SAST.

Q. How many hospitals are empanelled under the scheme?

Ans. Agreements have been signed with 500 private hospitals at launch. The government is expanding the network to 1,000 hospitals. The district-wise list of empanelled hospitals is available on the official KASS Portal.

Q. What if a hospital is not yet empanelled under the scheme?

Ans. If an employee avails treatment at a hospital not yet empanelled under KASS, they can make an advance payment and claim reimbursement under the 6-month reimbursement facility extended by the government.

Q. How can a permanent employee enrol under the scheme?

Ans. Permanent employees can enrol by submitting Form A in duplicate through the Head of Office or Reporting Officer to the DDO with all required documents. Employees can also enrol through the KASS Mobile App available at the official KASS Portal.

Q. How can non-permanent employees enrol under the scheme?

Ans. Non-permanent employees can enrol through the dedicated portal at hrms.karnataka.gov.in:8081.

Q. If both husband and wife are government employees, how many contributions are deducted?

Ans. Only one contribution needs to be deducted from either the husband’s or the wife’s salary based on their mutual decision communicated to their superior officers. Family members cannot be enrolled under both accounts simultaneously.

Q. What happens if an employee does not want to be covered under the scheme?

Ans. Employees who do not wish to be covered under the Arogya Sanjeevini Scheme must submit a written objection through their superiors.

Q. How are monthly contributions deducted?

Ans. Monthly contributions are deducted from the employee’s salary and credited to the SAST account through Treasury-2 for permanent employees. For non-permanent employees and those not covered under HRMS, the respective institution deducts the contribution and remits it directly to SAST.

Q. What if family composition changes after enrollment?

Ans. Whenever any change occurs in family composition such as marriage, birth of a child, or death of a family member, the employee must submit Form A4 to the DDO immediately to update the records.

Tabassum

Tabassum is a government schemes researcher and writer with 5 years of experience tracking Central and State welfare programmes across India. She has covered 500+ schemes spanning agriculture, women welfare, education, and housing, helping lakhs of beneficiaries understand their entitlements in simple language.