by Summary: KASP Health Insurance provides eligible families in Kerala with up to ₹5 lakh health coverage per year for secondary and tertiary hospitalisation. Here is what the scheme covers, who can benefit and how the cashless treatment system works.
What Is KASP Health Insurance?
KASP Health Insurance is Kerala’s major government-supported health protection scheme, implemented as AB PM-JAY–KASP. It brings together earlier government health schemes and provides eligible families with health coverage of up to ₹5 lakh per year for secondary and tertiary care hospitalisation. The State Health Agency says the scheme is intended for more than 42 lakh poor and vulnerable families in Kerala.
The important point is that KASP is not automatically available to every person living in Kerala. Beneficiary selection is based on the applicable government eligibility criteria. Eligible members can use the benefit at empanelled hospitals, including participating public and private hospitals, subject to the treatment packages and scheme conditions.
KASP Health Insurance Benefits You Should Know
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One of the biggest advantages is the ₹5 lakh annual family coverage. The scheme works on a family-floater basis, so the available amount can support eligible family members according to the applicable rules. There is also no age or gender restriction for beneficiaries already covered under the scheme, making it useful for different members of an eligible household.
The coverage is designed around hospital treatment rather than ordinary outpatient spending. Depending on the approved package, benefits can include hospitalisation, medicines and medical supplies, diagnostic investigations, intensive care, implants and follow-up treatment. Certain pre- and post-hospitalisation expenses are also included according to scheme provisions.
Cashless Treatment at Empanelled Hospitals
Another major benefit is cashless treatment for covered procedures at participating hospitals. When an eligible beneficiary needs treatment, the hospital’s AB PM-JAY-KASP help desk or kiosk can verify the beneficiary details and process the treatment under the applicable package. Some procedures, particularly selected treatments at private hospitals, may require prior authorisation.
Who Can Get KASP Coverage?
KASP mainly targets poor and vulnerable families identified under the applicable beneficiary databases and government criteria. The State Health Agency currently reports more than 43 lakh verified families and nearly 79 lakh verified beneficiaries under its KASP statistics. Eligibility should therefore be checked through the official system rather than assuming that every Kerala household qualifies.
Kerala also issued revised AB PM-JAY–KASP guidelines in January 2026, confirming the convergence of earlier government-sponsored health schemes with PM-JAY under KASP. This makes checking the latest official information especially important before applying or seeking treatment.
How to Use KASP for Hospital Treatment
If you are already an eligible beneficiary, carry the required identification documents and visit an empanelled hospital. At the hospital, approach the AB PM-JAY-KASP counter before treatment. Staff can verify your beneficiary record, check whether the required treatment is covered and guide you through the cashless process.
Before admission, it is also useful to confirm that the hospital is currently empanelled and that the particular procedure is included in the applicable package. This can help avoid confusion about treatments, authorisation and any expenses outside the scheme.
Frequently Asked Questions
What is the KASP health insurance limit?
Eligible families can receive health coverage of up to ₹5 lakh per year for covered secondary and tertiary hospitalisation.
Is KASP available to everyone in Kerala?
No. KASP is intended for eligible beneficiary families identified under the applicable government criteria.
Can private hospitals provide KASP treatment?
Yes. KASP has empanelled hospitals in both the public and private sectors, subject to the scheme’s rules and treatment packages.
Is there an age limit for KASP benefits?
The official FAQ states that age limits and existing illnesses are not barriers for beneficiaries covered under the scheme.
Conclusion
KASP Health Insurance can significantly reduce the financial burden of major hospital treatment for eligible families. With up to ₹5 lakh annual coverage and cashless treatment through empanelled hospitals, checking your beneficiary status and understanding the approved treatment process can help you make better use of this government health protection scheme.
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Official External Link(s):
State Health Agency Kerala – KASP
2026 Revised AB PM-JAY–KASP Guidelines
