Yeshasvini Co-operative Members Health Care Scheme
Cashless treatment in network hospitals for members of cooperative societies and their families, covering 2,128 procedures, for a small yearly contribution.
Run by: Department of Co-operation — Yeshasvini Co-operative Members Health Care Trust, Government of Karnataka
- Covered procedures
- 2,128 (1,650 + 478 ICU)
- Contribution (listed 2022-23)
- ₹500 rural / ₹1,000 urban per family of 4
- SC/ST members
- No fee
- Ward
- General ward (pay extra for upgrade)
Overview
Yeshasvini is a health care scheme of the Karnataka Government for members of cooperative societies — farmers, cooperative fishermen, beedi workers and weavers among them. It was first launched in June 2003 as a first-of-its-kind public-private partnership health scheme for rural cooperative members, so that families would not have to turn to moneylenders or sell assets to pay for major surgery. It was extended to urban cooperatives from 2014-15.
The scheme ran from 2003-04 to 2016-17 through the Department of Co-operation. From 1 June 2018 it was transferred to the Health and Family Welfare Department and was then stopped. After persistent demand from cooperators and farmers, the government re-introduced a revised Yeshasvini, announced in the State Budget 2022-23. A new Yeshasvini Co-operative Members Health Care Trust was set up to run it, with the Chief Minister as Chief Patron.
Members can use 1,650 notified treatment procedures and 478 ICU procedures — 2,128 in all — the same as covered under the Ayushman Bharat Arogya Karnataka scheme, in network hospitals across the state. Treatment is in the general ward. The cover includes medicines, surgeon and anaesthetist fees, operation theatre rent, bed and nursing charges, and implants that are part of the package, such as a knee implant or a cataract lens.
A member joins by paying a prescribed yearly contribution. The Trust's eligibility page lists ₹500 a year for a rural cooperative family of four (₹100 more for each extra member) and ₹1,000 for urban societies (₹200 more per extra member). That page labels these rates for 2022-23, so confirm the current-year amount with your society before paying. SC and ST members pay nothing.
What you get
The benefit as the state notifies it — nothing here is an estimate.
- Cashless treatment for 2,128 procedures (1,650 treatments plus 478 ICU) in network hospitals.
- Medicines, surgeon and anaesthetist fees, theatre and bed charges, and package implants are included.
- Out-patient (OPD) help: a maximum of ₹200 for three months, of which the Trust pays ₹100.
- No age limit for members; a newborn can use the mother's card for 30 days from birth.
- SC and ST members pay no membership fee.
Who is eligible
State schemes usually state their criteria as prose rather than a checklist. This is that prose, unpacked — the department’s verification is what decides.
You qualify if
- Member of a cooperative society (rural or urban) for at least 3 months, or a self-help group organised by a cooperative society that has an account in the society
- Cooperative fishermen, cooperative beedi workers and cooperative weavers are also eligible
- Family members can join by paying an extra subscription — principal member, spouse, parents, sons, unmarried daughters, daughters-in-law and their children
- Dependent family members need not be members of the cooperative society
Not covered
- Members of liquidated or defunct cooperative societies
- Members of employees' cooperative societies
- Government employees, and private-sector employees earning more than ₹30,000 a month
- People who are members of any other insurance scheme
- Brothers, sisters, in-laws and their families
Documents you need
Have these ready before you start — most rejections are a missing paper, not a missing right.
- Active mobile number
- Ration card copy
- Aadhaar card of each member
- Two passport-size photographs of each member
- Caste certificate with RD number (SC/ST members)
- Prescribed yearly membership subscription (no fee for SC/ST)
How to apply
Fewer steps than a central scheme, and usually one office rather than a portal.
- 1
Visit your cooperative society or bank
Go to the nearest cooperative society or cooperative bank where you are a member and say you want to join Yeshasvini.
- 2
Submit documents
Give your mobile number, ration card copy, Aadhaar and two photographs for each family member, and a caste certificate if SC/ST.
- 3
Pay the yearly contribution
Pay the amount your society tells you for your family size. SC/ST members pay no fee.
- 4
Get your Yeshasvini card and use a network hospital
Check the network hospital list and procedure list on yeshasvinitrust.in before admission. Carry your card to the hospital.
If something goes wrong
Missing from the list, or payment stuck — here is the channel the department itself publishes for it.
- First, the Yeshasvini Co-operative Members Health Care Trust, KMC Building, 2nd Floor, K.R. Road, Basavanagudi, Bengaluru — or the Yeshasvini district coordinator listed on yeshasvinitrust.in.
- For escalation, use Karnataka's Janaspandana grievance system: ipgrs.karnataka.gov.in or call 1902.
Frequently asked questions
Who can join Yeshasvini?
Anyone who has been a member of a cooperative society or a cooperative-organised self-help group for at least 3 months, plus eligible family members. Cooperative fishermen, beedi workers and weavers can also join.
How much does it cost every year?
The Trust lists ₹500 for a rural family of four and ₹1,000 for an urban family of four, with ₹100 or ₹200 for each extra member. These are the 2022-23 rates on the Trust's page, so confirm the current figure with your society.
Are SC and ST members charged?
No. SC and ST members pay no membership fee.
What treatment is covered?
2,128 procedures — 1,650 treatments and 478 ICU procedures — mainly cardiac, ENT, intestinal, nerve, eye, bone, and women-related conditions, in network hospitals.
Can I take a private room?
Treatment is in the general ward. If you choose a 2–3 bed room you pay 15% extra, and for a private single room 25% extra.
Why is it different from the old Yeshasvini?
The original scheme (2003) was stopped after 2016-17 and was re-introduced in a revised form announced in the 2022-23 Budget. The current Trust site lists 2,128 procedures, not the 823 of the early years.
Am I eligible if I already have health insurance?
No. People who are members of any insurance scheme are not eligible, according to the Trust.
Facts checked against yeshasvinitrust.in on 4 October 2026. editorial policy.