What is the primary benefit of the Karmika Arogya Bhagya Scheme?

It provides free hospitalisation and medical care for registered construction workers and their dependents in government and empanelled private hospitals.

Who is eligible to apply for the scheme?

Construction workers aged 18-60 with at least 90 days of experience in the last year and registered with the Karnataka Building and Other Construction Workers Welfare Board (K.B.O.C.W.W.B.).

How can workers apply for the Arogya Bhagya Card?

Workers can apply online through the K.B.O.C.W.W.B website by filling in their details, providing required documents, and obtaining the digital card.

What is the minimum hospitalisation period to avail of benefits?

A minimum of 48 continuous hours of hospitalisation is required to qualify for financial assistance under the government scheme.

What documents are needed for registration?

Aadhaar card, proof of employment in the construction sector, residence proof, and passport-sized photographs are required for registration.

How can workers apply for the Arogya Bhagya Card?

Workers can apply online through the K.B.O.C.W.W.B website by filling in their details, providing required documents, and obtaining the digital card.

What is the minimum hospitalisation period to avail of benefits?

A minimum of 48 continuous hours of hospitalisation is required to qualify for financial assistance under the government scheme.

What documents are needed for registration?

Aadhaar card, proof of employment in the construction sector, residence proof, and passport-sized photographs are required for registration.

Home

Community

About Us

Schemes

Services

Karmika Arogya Bhagya: Healthcare Support For Karnataka Construction Workers

Alankar Mishra

Author

Updated: 16-06-2025 at 12:32 PM

🚀

10M+

Reach – Join the

Movement!

❓

50K+

Queries Answered

- Ask Yours Today!

🔥

1.5L+

Users Benefiting

- Why Not You?

🚀

10M+

Reach – Join the

Movement!

❓

50K+

Queries Answered

- Ask Yours Today!

🔥

1.5L+

Users Benefiting

- Why Not You?

Under this state government scheme, the Karnataka Building and Other Construction Workers Welfare Board (K.B.O.C.W.W.B.) offers free medical care, hospitalisation, and treatments to registered construction workers or their families. The Arogya Bhagya Card allows the workers to avail the benefits of health care at the government or the empanelled hospitals without burdening the finances, thus ensuring vital health care support to this labour-intensive profession.

Feature	Details
Scheme Name	Karmika Arogya Bhagya Scheme
Managing Body	Karnataka Building and Other Construction Workers Welfare Board (K.B.O.C.W.W.B)
Target Group	Registered construction workers and their dependents
Benefits	Financial assistance for hospitalisation and medical treatment
Mode of Application	Online application through Arogya Bhagya Card
Eligible Hospitals	Government and recognised private hospitals
Minimum Hospitalisation Period	48 continuous hours

What is Karmika Arogya Bhagya Scheme?

Karmika Arogya Bhagya Scheme is one of the government welfare schemes formulated by Karnataka state for the medical benefit of construction workers and dependents. This government scheme is conducted by K.B.O.C.W.W.B. to lessen the burden of the hospital bill on the registered worker's head. All beneficiaries receive hospitalisation costs both at government and chosen private hospitals so that there would be medical care accessibility across Karnataka areas.

Benefits

There are various benefits offered by this government scheme, let us have a look at all the points that make this scheme so attractive for unorganised sectors.

Medical assistance: Provides hospitalisation expenses for labourers and their family members.
Financial Relief: It protects family members from heavy health expenditures.
Wide Hospital Network: It provides treatment in government as well as recognized private hospitals.
Hassle-free Process: It can be availed without much hassle, as beneficiaries can download the Arogya Bhagya Card online, and check the Arogya Bhagya Card status for quick access to benefits.
Coverage for Families: It covers dependents of registered workers, thereby increasing the scope of the scheme.

Eligibility Criteria

To avail of the Karmika Arogya Bhagya Scheme, applicants must satisfy the eligibility criteria for registration and application.

For Registration as a Building Construction Worker

Applicant must be a construction worker who is a resident of Karnataka.
He or she should have had at least 90 days of experience in the construction industry over the last year.
Should be 18 to 60 years of age

For Eligibility Under the Welfare Scheme

Registered with the K.B.O.C.W.W.B.
Be an Arogya Bhagya Card Holder.
Dependants must be registered under the details of the registered worker for them to be eligible for the benefit.

Application Process

Workers can register, apply, and renew their Arogya Bhagya Scheme through the following process. This govt scheme is very easy to apply for hence giving a hassle-free experience to the construction workers.

Registration Process

Step 1: Log in on the official website K.B.O.C.W.W.B

Step 2: Fill up the online registration form with all personal and employment details.

Step 3: Along with the application, provide ID proof and an employment verification document.

Step 4: On verification, the candidate has confirmed their registration and is hence able to apply for Arogya Bhagya Card.

Applying for Arogya Bhagya Card

Step 1: Visit the website and go to the online application section for the Arogya Bhagya Card.

Step 2: Fill up the application using the registration ID and other relevant details.

Step 3: Make an online application, then you will be provided with the digital card applicable in the listed hospitals.

Renewal Process

Step 1: The registered members renew their Arogya Bhagya Card once a year.

Step 2: Go to the K.B.O.C.W.W.B website and click on the renewal tab.

Step 3: Confirm and update any changes in employment or personal information.

Step 4: Submit for renewal; the card status will be updated for continued medical benefits.

Important Notes

Hospitalisation must be a minimum of 48 hours to qualify for financial assistance.
Workers have been asked to cross-check against the list of the hospitals available for Arogya Bhagya Hospital before going to this hospital.
All the dependents have to register themselves under the respective profile created to whom this benefit is entitled, they would get after doing that.

Documents Required

The underwritten document that shall be required during the time of Application, Registration or renewal process. Make sure you have all of the documents ready to go.

For Registration

Aadhaar card or other government ID.
Proof of employment in the construction sector.
Residence proof within Karnataka.
Passport-size photographs.

For Application

Valid registration card from the welfare board
Dependent details for family coverage
Previous medical bills (if available)

For Renewal

Original Arogya Bhagya Card
Up-to-date employment proof if there was a change.
A recent photograph and updated ID proof if required.

Conclusion

Karmika Arogya Bhagya Scheme is the most influential welfare scheme that is designed to support Karnataka's construction workers financially and medically and also aids their families. The beneficiaries can easily check their card status and application online with the scheme and get free medical treatment by visiting hospitals in the Sarkari scheme's huge network.

Join the Jaagruk Bharat Community stay aware and get in touch with informed citizens and the Jaagruk Bharat team to know more about such welfare schemes and govt schemes and policies.