KASP / Karunya
Hospital revenue integrity in Kerala.
Karunya Arogya Suraksha Padhathi runs alongside the highest private insurance penetration in the country.
Cities in Kerala
Reading
How the scheme actually works here
KASP runs alongside the highest private insurance penetration in the country. The distinctive feature is not the scheme but the patient: Kerala families are unusually well informed about their entitlements.
The payer mix in Kerala
Kochi, Thiruvananthapuram and Kozhikode all carry substantial private cover alongside scheme work, with high awareness of policy terms on the patient side.
Where hospitals here lose money
An informed patient who was not told about proportionate deduction will contest it at the discharge counter, and will be right to. Recorded consent against a named user is the document that settles it.
KASP packages are defined; complications are absorbed.
Scheme and private admissions handled by the same staff, with different room rules, different documentation and different clocks.
Check this week
Read your consent form for room upgrades. If it says the patient requested a private room and does not state the estimated proportionate deduction, it will not hold.
What does not change at the state border
Room-rent proportionate deduction, pre-authorisation notification clocks, tariff drift against contract, and package-with-component billing work identically in Kerala and everywhere else in India. They vary by contract, not by geography. What the state changes is the scheme layer sitting on top — which cases are viable, and what evidence the payer expects.
Worked through in detail: the nine ways an Indian payer reduces a claim, how scheme claims differ from private ones, and the ₹8,000 upgrade that costs ₹43,000.
Cities we cover in Kerala
Questions from Kerala
Does Drapto work with KASP / Karunya in Kerala?
Yes. Package rates are held per scheme, so a case can be checked for viability before admission rather than at billing. KASP runs alongside the highest private insurance penetration in the country.
What do hospitals in Kerala lose the most money to?
Consent on room upgrades. An informed patient who was not told about proportionate deduction will contest it at the discharge counter, and will be right to. Recorded consent against a named user is the document that settles it.
Do the payer rules change between states?
The scheme layer does — package lists, empanelment and eligibility are state-specific. The mechanics underneath do not. Room-rent proportionate deduction, notification clocks and tariff drift work identically everywhere in India; they vary by contract, not by geography.
Is Drapto available across Kerala?
Yes, anywhere in the state. Deployment is remote and takes one to five weeks depending on size, with your payer tariffs loaded before go-live rather than after.
What does the free audit involve?
Twenty claims you have already settled. We show what was disallowed, how much was predictable, and how much the payer never explained. About an hour of your team's time, and you keep the findings whatever you decide.
Read next
The scheme changes at the state border. The payer mechanics do not — room caps, notification clocks and tariff drift work the same way in Kerala as everywhere else.
Every way an Indian payer reduces a claim →
Other states
Read next
What is not on this page. We do not publish hospital directories, rank hospitals, or list which facilities sit on any insurer’s or scheme’s panel. Empanelment is product-specific and changes constantly — a stale list published by a third party sends a family to a hospital believing they are covered when they are not.
Your Insurance Ombudsman
For repudiated claims in KeralaA repudiated cashless claim here is generally heard by the Kochi office, broadly covering Kerala; Lakshadweep. Filing costs nothing and needs no lawyer, but there is a one-year clock from the insurer’s final reply.
Jurisdiction is defined by district in several states. Confirm yours against the Council for Insurance Ombudsmen’s list before filing.
The scheme you actually bill
Kerala| State scheme | Karunya Arogya Suraksha Padhathi (KASP) |
| Alongside | Ayushman Bharat PM-JAY, private insurers and TPAs |
| Why it matters here | Kerala's implementation of PM-JAY, run with the state's own additions. |
Tariffs are held per payer and per contract in Drapto, so a claim is never priced under the wrong one.
Verify before you rely on this. State schemes are renamed and revised with budgets and governments. Check the current position with the state health agency.
See it on your own claims.
The payer mix is local. The mechanism is not — and it is the mechanism we show you.