Frequently Asked Questions

1. Who can be a subscriber for Krupa Arogya Suraksha (KAS)?
A. Any person between the age 91 days to 75 years of age may subscribe.


2. How soon are KAS facilities made available once the subscription is paid?
A. The members would be eligible to avail the benefits of the scheme on completion of one month of payment of annual subscription.


3. Will I be notified for my subscription renewal before its expiry?
A. The renewal reminders would be made by KAS to regular subscribers about a month before. However this may not be the primary responsibility of KAS.

4. Are maternity related cases covered under the KAS?
A. Maternity cases for normal as well as for Caesarian deliveries will be covered for the first two children, after the 10th month of KAS subscription without any additional membership fee.

5. Where will the KAS services be provided?
A. The services will be provided at Shree Krishna Hospital, Karamsad and its extension centers.

6. At what rates would the treatment charges be billed?
A. All the treatment charges would be billed as per the rates prevailing at Shree Krishna Hospital from time to time.

7. Are the necessary medications after discharge, as inpatient covered under the scheme?
A. Post treatment medicines up to 7 days would be provided free on the basis of doctor’s prescription. It is necessary to procure medicines before the discharge of the patient is made.

8. Is the treatment of cataract and other minor surgeries included under the scheme?
A. Treatment of cataract and other minor surgeries are included under the scheme from the second year of KAS membership.

9. Is treatment for diabetes or hypertension covered under KAS?
A. In case of chronic diseases like diabetes, hypertension, etc., the first instance, or when it is detected for the first time during the scheme period will be treated under KAS provisions. The treatment costs would not be considered thereafter, since this burden would adversely affect the Trust's ability to serve all members equitably.

10. Are there any diseases or conditions excluded from coverage under KAS?
A. While all the diseases and illnesses will be taken care of at the Shree Krishna Hospital for the KAS participants, treatment for certain diseases will be excluded from the scheme so that the burden of providing these does not adversely affect the ability of the trust to extend the basic health care facilities to all members of the trust. The details of diseases/conditions, so excluded would be informed prior to any one joining in KAS so as to obtain his/her informed consent to this philosophy of the trust.


The following diseases or conditions will be excluded from KAS coverage:
a. Benign prostatic hyperplasia, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, congenital internal diseases, fistula-in-ano, piles, sinusitis are excluded during the first year of the membership.
b. Disorders related to the heart and kidneys.
c. The cost of spectacles, contact lenses and hearing aids.
d. Dental treatment or surgery of any kind unless requiring hospitalization.
e. Convalescence, general debility, run-down condition or rest cure, congenital external disease or defects or anomalies, sterility, venereal disease and intentional self-injury / suicide.
f. Human T-Cell Lymphotropic Virus Type III (HTLB-III), Lymphadenopathy Associated Virus (LAV), the Mutants Derivative, various deficiency syndromes or any syndrome or condition of a similar kind commonly referred to as AIDS.
g. Hormone replacement therapy (HRT).
h. Renal dialysis, except where it is required, due to the complication as a part of acute secondary failure or intensive treatment.
i. Psychiatric, mental, nervous conditions or insanity.
j. Cosmetic surgery, plastic surgery, aesthetic or related treatment of any description, unless medically necessary as a result of an accident.
k. Treatment of intoxicating drug abuse, alcoholism, solvent abuse or any addiction.
l. Complication of any surgery, therapy or treatment administered on the KAS Donor which is not prescribed or required by a Registered Medical Practitioner/Registered Medical Institution in their professional capacity.
m. Self medications, which are not prescribed by the medical practitioners.
n. Infertility treatments.
o. Joints replacement or artificial organ transplantations.