Kalaignar Insurance Scheme
Country of Operation
- Star InsuranceFor-profit
- Government of Tamil NaduGovernment
Target income level
- Bottom 20%
Summary22% of the citizens of Tamil Nadu, India, are living below the poverty line. The government in contract with Star Insurance has put in place an insurance program for families identified as having RS 72,000 or less annually.
Key program components
Those who qualify for the program will receive a biometric smart card with the medical details of the family encrypted in it. Patients are able to attend hospitals who are contracted with the program and use completely cashless transactions up to their insurance limit. The program covers 51 life saving treatments, as well as emergency care. Patients are additionally able to receive referrals from primary health centers through the scheme.
- 1.43 crore families enrolled
- 6 hospitals in each district and 15 hospitals in each major city