Step 2.3: Assistance for major ailments | ಪ್ರಮುಖ ಕಾಯಿಲೆಗಳಿಗೆ ಸಹಾಯ

Financial assistance is provided to registered construction workers and their dependents during hospitalization.

The assistance is applicable for a minimum continuous hospitalization period of 48 hours.

The financial aid amounts to Rs 300/- per day of hospitalization, with a maximum limit of Rs 20,000/-.

The application must be submitted within six months from the commencement date of hospitalization.

Hospitalization is limited to either a Government hospital or a private hospital listed in Schedule I of the Karnataka Government Servant’s Rules, 1963, or a hospital recognized under any insurance scheme of the State Government.

Click here for list of approved Government and Private Hospitals

On paper, this assistance is available for a minimum continuous hospitalization period of 48 hours, and it amounts to Rs 300 per day of hospitalization, with a maximum cap of Rs 20,000, subject to actual expenses incurred. See a later section on this page for challenges in reimbursement especially with respect to minimum period of hospitalisation.

• The construction worker has to be registered and in possession of a valid labour card.
• Every registered construction worker's dependent (in the case of the worker's death during treatment) eligible for medical expense assistance must submit an application in Form XXII to the Board.
• The treatment can only be done in an approved hospital (government or private hospital, as per RSBY list).

• Proof of Identity/Smart card issued by the Board
  
• Employment Certificate
  
• Proof of Bank Account
  
• Bills of hospital showing Admission and Discharge Dates and all treatment given
  
• Any medical documents on hospitalization of beneficiary/dependent in government/private Hospital included in
  
• Filled form XXII-A

Application can be submitted within 6 months of the hospitalization commencement date.

• The scheme has a discrepancy in its hospitalization criteria. While it mentions a minimum of 48 hours, the actual application process requires a hospital stay of at least 7 days. Applications are rejected if the patient is discharged before completing this 7-day period.
• The scheme mandates treatment in a board-affiliated hospital, but instances of seeking treatment in non-affiliated hospitals have been reported, potentially affecting eligibility.
• Form 22 necessitates the signature of the attending doctor, but in many cases, a backup or substitute doctor signs it, leading to claim rejection.

• The lack of knowledge or awareness among laborers regarding the renewal process may lead to a failure to renew on time. This failure could subsequently result in the loss of benefits if an unforeseen event occurs.