The Employees State Insurance Scheme was the result of the enactment of the Employees State Insurance Act in 1948. The employees are protected against loss of wages due to inability to work due to sickness, maternity, disability and death due to employment injury in this scheme. The scheme offers health education, preventive care, med…

The amazing success of Yeshasvini Trust, Karnataka was possible through a tight partnership with the Karnataka Department of Cooperation, which launched “The Yeshasvini Cooperative Farmers Health Scheme” a young, but incredibly successful microinsurance scheme in Karnataka.

Initiated in 2003 with 1.6 million insured right away, it covered 2.2 million lives in its second year of operation, but in the third year it dropped to 1.45 million members after doubling the premium.

Cooperative…