Awaz Health Insurance Scheme
ActiveLaunched by
Launched Date
November, 2017
Available in
Scheme Description
The Awaz Health Insurance Scheme is a unique healthcare initiative introduced by the Kerala government specifically for migrant workers. Launched in November 2017, this scheme aims to provide health insurance coverage and accidental death benefits to migrant laborers working in the state. This initiative is the first of its kind in India, offering a safety net for migrant workers who often face health risks without adequate coverage.
Under this scheme, migrant workers are entitled to free medical treatment at all government hospitals in Kerala and certain empanelled private hospitals. The coverage includes up to ₹15,000 for medical treatment of illnesses or injuries, and accidental death coverage up to ₹2 lakh. In the unfortunate event of death, the beneficiary can claim the insurance amount by submitting valid proof of death.
The scheme targets migrant workers between the ages of 18 and 60 and requires them to provide biometric data and identity documents such as Aadhaar or Voter ID during the enrollment process. Once registered, they receive a Biometric Health Card, which grants them access to cashless treatment at participating hospitals.
Benefits
- •Coverage of up to ₹15,000 for medical treatment of any illness or injury.
- •In case of accidental death, the insurance provides coverage of up to ₹2 lakh.
- •The scheme is accessible across Kerala, with over 200 registration camps to ensure broad enrollment.
- •Eligible workers can avail of cashless treatment at government hospitals and empanelled private hospitals across Kerala by showing their Biometric Health Card.
Eligibility
- •Migrant workers must be between 18 to 60 years of age.
- •The worker must be a migrant laborer working in Kerala.
- •Workers need to provide: Fingerprint and Iris data during enrollment, Proof of work such as employment details, Identity proof recognized by the government (e.g., Aadhaar Card, Voter ID, Driving License).
- •Workers must enroll through registration camps set up across Kerala.
Documents Needed
- •Valid ID proof (Aadhaar, Voter ID, etc.)
- •Fingerprint and iris scan
- •Employment proof (proof of work in Kerala)
Application Process
- •Visit any registration centre across Kerala.
- •Fill out the application form with required details.
- •Submit documents like ID proof, fingerprint, iris scan, and employment proof.
- •After registration, you will receive a biometric health card.
- •Use this card for cashless treatment at empanelled hospitals.