Karuna Trust, Karnataka India



Karuna Trust is an NGO that has been working successfully on health and development issues for nearly two decades. In 2002, Karuna Trust, in a partnership with the United Nations Development Programme (UNDP), decided to implement a pilot health insurance scheme for its target population. The non-governmental organization (NGO) collaborated with the state-owned National Insurance Company (NIC) in designing a health insurance product that complements the public healthcare infrastructure and compensates for some of its weaknesses. Karuna Trust acts as an agent for NIC. The insurance product compensates the insured for the loss of income in case of hospitalization at a public health facility. Furthermore, a drug fund was set up to supply medicines that are unavailable in public facilities. People with income around the poverty line receive treatment in public health facilities free-of-charge. A tight network between the insurance scheme and the public infrastructure has evolved. This case study analyses the practices of Karuna Trust in India and identifies the good and the bad of these practices and draws conclusions from them.






Ralf Radermacher, Olga van Putten-Rademaker, Verena Müller, Natasha Wig, David Dror

Published by: 

  • Microinsurance Network


CGAP Working Group on Microinsurance

Number of pages: 



No votes yet