Karnataka government has decided to give all citizens health cover from November 1, 2017.

The Karnataka government on Monday launched a scheme and name of the scheme is “Aarogya Bhagya”. This will help state all state residents to have a health insurance from 1st of November.

This insurance will be linked with Aadhaar card.

There are two categories of people under the card, said Law and Parliamentary Affairs Minister T B Jayachandra.

Categories below:

  1. priority category: This will include “farmers, deprived households, labourers from the unorganised sector, pourakarmikas, all SC/ST people, members of cooperative societies, government employees, media persons and elected representatives.” “The rest will be under Category B.

Rest people will come under category B. Category B people will pay the annual premium on the card 300 INR/person from rural areas and 700 INR from urban places.

All primary, secondary and emergency care will be free for people in both categories.

This will help 14 crore people to insured, which will cost the state 869 INR crore.


Insurance claim process might change:

There is the latest news that insurance claim process may change when a new law goes effect from 1st of Sept. 2017.

House Bill 1774 was passed by the Texas Legislature during the regular session and signed by Gov. Greg Abbott in May.

This law was brought against insurance companies who take a long time to process the payment for policyholders.

If a person claims insurance amount before this law goes into effect and insurance company does not pay on time then the insurance company will pay 18% as a penalty in addition to claim amount.

After getting effective of this law, Under HB 1774, the penalty amount will be reduced to 10 % from 18 %. It means this is going to be a big relief for insurance companies.

Here is what you need to do if you have damage:

– Turn in your claim as soon as possible.

– Keep copies of receipts you submit to your insurance company

– Watch out for contractors and other people asking to do repairs. Storms bring out unscrupulous vendors. Keep a claims notebook that is names of phone numbers, adjusters, contractors, future damages, everything associated with the damage and repairs.