How does the scheme work
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The programme has been designed after conducting a study of different health insurance models in the country. Minimum administrative expenses and maximum convenience to member remains the basic motto of the programme.

1. Medical expenses up to Rs. 25000/- for a family of five is taken care by the insurance.
2. With each additional member the stakeholder is eligible for an additional medical expense of Rs. 5000/- from the programme
3. Financial assistance from the groups will be provided to pay the insurance premium
4. Every family has to renew its membership every year by paying the specified amount.

The groups will also provide loan to meet the expenses in excess of the insured amount.
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Features 
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1. Member can get cashless treatment of Rs.5000=00, cover increases by Rs 5000/- per member. The coverage is on floater basis in multiple of Rs.5000/- .
2. Yearly Contribution is collected along with the weekly savings of the members of the Self-help group so that it does not strain the finances of the family
3. Cashless treatment facility is available in well equipped hospitals with modern amenities, recognized by SKDRDP.
4. Any one member of the family can avail the benefit for any one ailment to the extent of maximum limit available to the family.
5. In case of normal/accidental death of stake holder of the family (or head of the family) Rs.5000/- will be paid to the nominee as consolation with in 24 hours of the death.
6. In case of accidental death of the stake holder of the family, Rs 20,000/- additional amount will be paid to the nominee subject to production of connected records.
7. In case any disability is suffered by the stake holder of the family due to accident Rs.12500 is given as consolation for partial disability, Rs 25,000/- is given in case of permanent disability.
8. Maternity expenses reimbursement during the first two deliveries of the members of Sampoorna Suraksha: Rs2,000 for normal delivery and Rs 4,000 for caesarian delivery.
9. In case the stake holder under goes domiciliary treatment and is unable to attend to his routine work, rest allowance at Rs.50/- for 30 days is paid depending on his domiciliary treatment.
10. In case of the house damage due to natural calamities such as cyclone, heavy rainfall etc. consolation amount upto a maximum of Rs.1000 is paid to the family.
11. If the medical expenses are not availed then only the insured is eligible for a maximum allowance of Rs. 1500- with Rs.50/- per day based on the doctor's recommendation.
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Who can become a member
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The scheme is open to the members of SKDRDP promoted SHGs. All the members of SKDRDP participate in this programme by contributing an annual subscription.
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The contribution
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Every family has to renew its membership every year by paying the specified amount. Eg:- A family of five members can get cashless treatment for a whole year up to the family limit Rs.25000/-at a contribution of Rs.650.00 by paying the amount Rs.16.25 per week for 40 weeks. Health security and other benefits for just Rs.2.35 per day for 5 members.
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Benefits given
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