Karunya Benevolent Fund (KBF)
KARUNYA BENEVOLENT FUND (KBF) is an assurance scheme of the State Government which provides financial aid for poor people suffering from serious ailments, by raising funds through Kerala lottery. The scheme is managed by the State Lotteries Department (Taxes). Karunya Benevolent Fund is providing financial assistance to under-privileged people suffering from acute ailments like Cancer, Haemophilia, Kidney and Heart diseases and for Palliative Care. The amount for the health scheme is raised through lottery. This welfare measure is helpful to those who suffer from ailments, the cost of treatment of which are proved to be unbearable to lower and even middle strata of society with an annual family income of less than Rs. 3 lakhs.
- Eligible beneficiary can approach any KASP empanelled hospitals for availing cashless treatment
- Significant increase in number of health care providers under KBF scheme.
- Number of treatment packages also increase
- IT integration enhances patient friendly approaches in KBF scheme
- Comparison between Old KBF (Taxes) and revamped KASP-KBF (H&FWD)
|
Scheme |
Old KBF |
KBF- after integration with PMJAY portal |
|
Beneficiary application process |
Application to be submitted to the District Lottery Officer of the patient district with the photos, ration card copy and family photo in front of the house. Only after getting the approval, the eligibility will be confirmed for treatment benefits. |
Application can be directly submitted at the KASP hospitals and patients need to provide only the Ration card with the income proof and all the processing will be done through an IT integrated system |
|
Benefits |
Tertiary care (Rs. 2 lakhs), Kidney ailments (Rs. 3 lakhs), Medicines for the Kidney patients, Haemophilia patients – unlimited.
315 packages |
Secondary and Tertiary care as per the KASP packages. 1667 procedures under 26 specialties. All the packages include the hospitalization charges/day care sitting charges including the medicines for 15 days post discharge. Haemophilia patients are also taken care under the scheme. |
|
Most utilized package and rate |
Haemodialysis – Rs. 650 per session |
Haemodialysis – Rs. 900 per session |
|
IT integration |
Mostly manual process with data entry into the portal after the application processing. Multiple touch points for beneficiaries to get the application processed. |
New IT integration with National Health Authority portal, entire process will be digitalized and patients will have minimal waiting period with paperless cashless treatment benefits. Also, Hospitals can raise the claims online and get the amount credited in the registered account within a defined timeline. |
|
Hospitals Empaneled |
57 Hospitals and 26 dialysis centers |
742 Hospitals – 194 Public and 538 Private hospitals |
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