The Karmika Arogya Bhagya scheme 2025, operated by the Karnataka Building & Other Construction Workers Welfare Board (K.B.O.C.W.W.B), helps construction workers and their families during hospitalization. For continuous hospitalization of at least 48 hours, workers might get ₹300 per day up to ₹20,000. Worker registration with the K.B.O.C.W.W.B and 90 days worked in the prior year are required. Discharge summaries and treatment bills are needed to complete online or offline applications.
Details of the Scheme:
The Karmika Arogya Bhagya scheme offers monetary support to registered construction workers and their families during hospitalization. The assistance is aimed at workers needing hospital care for a minimum of 48 hours, whether for accident recovery or other health issues.
Financial Coverage:
- ₹300 per day up to a maximum of ₹20,000 for a continuous hospitalization period, subject to actual expenses.
Note: The assistance is applicable only if the hospitalization period is a minimum of 48 continuous hours.
Eligibility:
For Registration as a Building/Construction Worker:
- The applicant should be a Building/Construction Worker (unorganised sector worker).
- The applicant must be at least 18 years old.
- The applicant should have worked in the building and construction sector for at least 90 days in the past year.
For Application of the Welfare Scheme:
- The applicant must be a registered construction worker under the K.B.O.C.W.W.B or a dependent of a registered worker.
- The beneficiary must have been hospitalized for at least 48 continuous hours.
- Treatment must be in government, private, or State Government-recognized hospitals under any insurance scheme.
Application Process:
Online Registration Process for Construction Workers:
- First of all, construction workers have to Visit the official website of K.B.O.C.W.W.B and click on “Register”.
- After that, Select “Register as New Construction Worker” and verify your mobile number using the OTP sent.
- Now on the website dashboard, click on “Registration”.
- Fill in all mandatory details and upload the required documents. Submit the registration.
Application Process for the Welfare Scheme:
- Visit the K.B.O.C.W.W.B website and click on “Login”.
- Enter your registered mobile number and the received OTP.
- From the dashboard, click on “Schemes” to access the available welfare schemes.
- Select the Medical Assistance Scheme, fill in all required details, and upload the necessary documents.
- Review the information, check the declaration box, and click on “Submit” to complete the application.
Renewal Process:
- First you need to Log in to the official website with your mobile number and OTP.
- After that you will Get “Renewal” Option on the website dashboard.
- Now Fill all the required details, upload the required documents, and click on “Submit”.
Note:
- Renewal Period: Construction workers must renew their registration every 3 years. A 1-year grace period is allowed after this period. If not renewed, the registration becomes invalid.
- Application Timeline: Applications must be submitted within 6 months of the hospitalization start date.
Documents Required:
For Registration as a Building/Construction Worker:
- Employment Certificate or 90 Days Work Certificate (Form V(A)/V(B)/V(C)/V(D)).
- Aadhar Card (Self-attested).
- Ration Card (Non-mandatory).
- Age Proof (Voter ID Card/Aadhar Card).
For the Application of the Welfare Scheme:
- Discharge Summary from the hospital.
- Form 22A.
- Treatment Bill.
- Self Declaration Form.
- Employment Certificate or 90 Days Work Certificate (Form V(A)/V(B)/V(C)/V(D)).
For the Renewal Process:
- Employment Certificate or 90 Days Work Certificate (Form V(A)/V(B)/V(C)/V(D)).
Frequently Asked Questions (FAQs):
Do I need to have worked for a certain period to register?
Yes, you need to have worked for at least 90 days in the past year to qualify for registration.
Who can apply for the welfare benefits?
Registered construction workers and their family members (dependents) can apply for a range of welfare benefits provided by the Board.
What documents do I need to register?
You’ll need to submit:
- An Employment Certificate (proof that you’re a construction worker)
- Your Aadhar Card
- A document for proof of age
What if I still don’t renew during the grace period?
If you miss renewing during the grace period, your registration will expire, and you’ll have to start the registration process all over again.
What’s the most financial assistance I can get?
The maximum amount you can receive is ₹20,000 for one continuous hospital stay.
Where can I get treated to qualify for this assistance?
You can receive treatment at government hospitals, private hospitals, or any hospital that’s part of a State Government-recognized insurance scheme.
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