Summary Box: KASP Health Insurance combines Kerala’s government health protection system with Ayushman Bharat PM-JAY. Eligible families can receive up to ₹5 lakh per year for covered secondary and tertiary hospitalisation.
What Makes KASP Health Insurance Different?
KASP Health Insurance is designed to protect eligible families from the heavy cost of hospital treatment. The scheme provides coverage of up to ₹5 lakh per family every year for secondary and tertiary care. Kerala’s State Health Agency says the programme targets more than 42 lakh poor and vulnerable families, representing roughly the bottom 40% of the state’s population.
A major change worth knowing is that Kerala has brought several government-sponsored health schemes together under the KASP framework. The revised guidelines issued in January 2026 confirm the convergence of RSBY, CHIS, SCHIS, KBF and Ayushman Bharat PM-JAY into the KASP system.
7 Important KASP Health Insurance Benefits
1. Up to ₹5 Lakh Every Year
The most valuable feature is the annual family health cover. Eligible beneficiaries can claim up to ₹5 lakh for approved hospital treatment during the coverage period. This can make a major difference when surgery or prolonged hospitalisation creates a large medical bill.
2. Cashless Hospital Treatment
Beneficiaries can receive covered treatment through empanelled hospitals without paying the full eligible treatment cost themselves. The hospital’s AB PM-JAY-KASP counter handles beneficiary verification and the relevant package process.
3. Treatment at Public and Private Hospitals
KASP is not restricted only to government hospitals. The programme includes empanelled facilities across the public and private sectors. The State Health Agency’s January 2026 fact sheet recorded 591 empanelled hospitals.
4. Different Medical Services Under One Scheme
The coverage can include several treatment-related expenses depending on the approved package. These can include medical procedures, medicines, diagnostic tests, intensive care and implants. Package-specific conditions determine exactly what is covered.
5. No Family Size Restriction Under PM-JAY
The PM-JAY component does not use family size as an eligibility restriction once a household is covered. This makes the benefit useful for families with several members who may need treatment at different times.
6. Existing Illnesses Are Not Automatically Excluded
The official KASP FAQ states that existing diseases and age are not barriers to receiving benefits for eligible beneficiaries. However, the actual treatment must fall under the applicable scheme package and rules.
7. Large-Scale Coverage in Kerala
KASP already covers millions of beneficiaries. The January 2026 State Health Agency fact sheet reported 43,07,073 families with at least one KASP card and 78,83,794 KASP cards issued.
Who Is Eligible for KASP?
KASP is intended for eligible poor and vulnerable families identified under the applicable government beneficiary criteria. Therefore, simply being a resident of Kerala does not automatically make someone eligible. Before depending on the benefit, families should verify their beneficiary status through the official KASP system or at an authorised hospital help desk.
How to Use KASP When You Need Treatment
If your family is already covered, visit an empanelled hospital and approach the AB PM-JAY-KASP counter. Carry the required identification documents and ask the staff to verify your beneficiary record. They can check whether the required procedure is available under an approved package and explain the next steps.Before visiting the hospital, it is useful to confirm your KASP Health Insurance beneficiary details and choose an empanelled hospital offering the required treatment.
Frequently Asked Questions
How much coverage does KASP provide?
Eligible families can receive up to ₹5 lakh per year for covered secondary and tertiary hospitalisation.
Table of Contents
Is KASP available to every Kerala resident?
No. The scheme is meant for eligible beneficiary families under the applicable government criteria.
Can KASP be used in private hospitals?
Yes. Eligible treatment is available through empanelled private as well as public hospitals.
Does age prevent someone from receiving KASP benefits?
The official KASP FAQ states that there is no age restriction for eligible beneficiaries.
KASP gives eligible Kerala families an important financial safety net when major hospital treatment becomes necessary. The ₹5 lakh annual cover, cashless treatment system and wide hospital network make it worth checking your beneficiary status and understanding the approved treatment process before an emergency occurs.Understanding your KASP Health Insurance benefits in advance can make the cashless treatment process easier when a family member needs hospital care.
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