Case Study of

Sampoorna Suraksha Group

Health Insurance Programme

PRESENTED BY:
AMARENDRA PRATAP SINGH
AMIT KUMAR
Shri Kshethra Dharmasthala Rural Development Project popularly known as SKDRDP is a
registered charitable trust promoted by Dr. D. Veerendra Heggade the sole trustee of Shri
Dharmasthala Temple

Sampoorna Suraksha is a section 25 company and a subsidiary of SKDRDP.

 Why There is Need?
The greatest hurdle for poor families trying to stand on their own feet have been the sudden
incidence of sever disease/accident requiring hospitalization. Hospitalization expenses not
only drain the savings but also push the poor to the vicious cycle of debt. Occasions like,
births and deaths also put strain on their meagre purse.

“SAMPOORNA SURAKSHA” (TOTAL SECURITY) Is a welfare scheme to give financial

assistance to the poor people in their days of sever health problems necessitating
hospitalization.

The entire programme is designed on the basis of mutual help.

 Cont…
SAMPOORNA SURKSHA Is a novel scheme to give financial assistance to
the power in their days of difficulty. It is a unique programme wherein all
participants join together to bring security to their insecure life. The
members of SKDRDP participate in this programme by contributing an
annual subscription. A part of the total subscription amount is invested in
insurance companies to look after the hospitalization expenses and the
remaining amount is used in emergencies like births and deaths, natural
calamity etc.,
 SAMPOORNA SURAKSHA PROGRAMME
(A UNIQUE HEALTH INSURANCE SCHEME)
A PRODUCT OF SHRI KSHETHRA DHARMASTHALA RURAL DEVELOPMENT
PROJECT (R.)
(A SECULAR, NOT FOR PROFIT, NON POLITICAL, REGISTERED VOLUNTARY
ORGANISATION)

FOR US PROGRESS WITH VALUES IS A PASSION

ORGANISATIONAL PROFILE
THE SKDRDP IS MANAGED BY BOARD OF GOVERNORS CONSISTING OF 5 MEMBERS.
Location Map of SKDRDP

Shri Kshethra Dharmasthala

Rural Development Project is
functional in Karnataka State
of the Union Territory of India.

• SAMPOORNA SURAKSHA
HEALTH INSURANCE
PROGRAMME. *

The Scheme covering 638

Villages of 3 costal districts.
 SPECIALITY OF THE SCHEME

1. The scheme is designed on the basis of self-help.

2. Hospitalisation to the members of the scheme in the net work hospitals on cash less
basis
3. Premium can be paid on weekly basis
4. Credit facilities from SHG in case of treatment cost exceeds the available amount in
the insurance policy.
5. The coverage is on floater basis in multiple of rs.5000/- enjoyed by the all the
members of the family
6. Special benefits for maternity, domiciliary hospitalisation, natural calamity, and natural
death is also available
Premium Rates
Facilities
1. Yearly contribution from the members are collected along with the weekly savings of
the members of the self-help group so that it does not strain the finance of the family.
2. In a single member family, he/she can get cashless treatment to the maximum of rs.
10,000/-. for more members in the family cover under the programme, increases by
rs.10,000/- per member. The coverage is on floater basis in multiples of rs.10,000 per
person up to maximum 6 members of a family.
3. Any one member of the family can avail the benefit for any one ailment to the extent of
maximum limit available to the family.
4. Medical treatment is made available on credit billing facility in well equipped hospitals
with modern amenities, recognized by SKDRDP as network hospitals.
5. Partial permanent disability compensation ranging from rs. 5000/- to rs. Rs. 10,000/- . 6.
Hospitalization expenses for maternity will be paid for the first two deliveries at rs.
3500/- for normal and rs. 8500/- for caesarian delivery.
Claim settlement
The claims of medical treatment given to the members on credit bill basis are submitted
by the hospitals are processed and sanctioned by the insurance.

Insurance Company
Insurance partner will verify the claims reffered by SKDRDP and settle the claims

Network Hospitals
Medical service providers to the members of Sampoorna Suraksha programme
under credit billing facility. 144 network hospitals have been identified for the
purpose of treatment
SPECIAL BENEFITS
Maternity benefits maternity allowance is given during the 1st two delivery of the policy
holder

Allowance for domiciliary hospitalisation

If the insured person is taking treatment for grievous wounds at home is not able to work
he is given unemployment allowance for the period of 30 days

On the death of farm animals

In case of milch cattle or farm animals is used for ploughing die., Compensation amount is
given according to the value of these animals.
 Cont…

Damage to the roof

Roof of a household is damaged because of nature’s fury like strong winds,
compensation is given according to the number of tiles lost

Loss to agriculture
Compensation amount is disbursed if there is loss of coconut, areca nut trees that are
yielding or rubber trees that are being taped on account of natural fury.

On the natural death of the insured

Rs.5000 is given to the family of the deceased person who is insured
Conclusion
 (SKDRDP) is playing a vital role in rural reconstruction, agricultural Development,
community development and rural development during last three decades era in
Karnataka state.

 After the introduction of microfinance through Self-Help Groups (SHG), they penetrated
into each and every corner in India and actually the NGOs are responsible for converting
the pilot project of microfinance into a major programme and the NGOs are responsible
for making the microfinance through SHG as the largest programme in the world.

 The Insurance product being offered by SKDRDP is not only an outstanding effort to
safeguard the interests of poor and support them in their difficult times, but it is an
innovative product too. The benefits offered through this product is not offered anywhere
else in India and by any other Insurer at such low costs. The bundling of various benefits
under one product at such a low rate is whole heartedly accepted by the population of
Karnataka and it’s a successful intervention and impact by SKDRDP. Regarding the
viability of the product, the volume plays a vital role and SHG member participation and
increasing awareness is further reducing the life risks, that is contributing to some extent
towards its viability.
THANK YOU