Official IMA Statutory Schemes • KSHS • KSSS • KPPS

Doctor-First Welfare & Statutory Defense

Administered with complete democratic transparency by the Karnataka State Branch. 100% non-commercial mutual fraternity corpus funds created solely to protect medical professionals and their families.

Fraternal Reserve

₹142.8 Cr

Total Corpus Protected

Active Members

24,180+

Covered Clinicians in Karnataka

Disbursed Aid

₹89.4 Cr

Historical Claims Settled

Fraternity Peer Model

0.00%

Arbitrary Rejections (Peer Review)

Karnataka Statutory Suite

The Three Pillars of Practitioner Protection

Zero commercial underwriting. Owned, funded, and adjudicated solely by the Karnataka State Medical Council fraternity delegates.

Health & Hospitalization

Karnataka State Health Scheme

KSHS • Cycle 2025

Annual Fraternal Hospital Cover

₹2,00,000

Expandable with ₹5 Lakh Super Top-up

Zero Exclusion: Complete coverage for pre-existing ailments from day one.
Cashless Network: Over 350+ empaneled tertiary care hospitals in Karnataka.
Nuclear Family: Doctor, legally wedded spouse, and up to 2 dependent children.

Nominal Annual Pool:₹3,200 / yr

Apply / Renew KSHS

Download Bylaws PDF

Flagship Fraternal Bereavement Fund

Fraternal Bereavement Relief

Karnataka Social Security Scheme

KSSS • 14,890 Active Fraternal Patrons

Statutory Bereavement Nominee Benefit

₹74,35,000

Instant disbursement within 7 days of demise

Fraternity Contribution: Pure mutual aid corpus model governed by democratic charter.
Unconditional Solace: No third-party investigation agencies; verified by local branch president.
Audited Gazettes: Every single rupee collected is gazetted annually for public fraternity audit.

Nominal Annual Pool:₹12,000 corpus pool

Enroll Nominee in KSSS

View Bereavement Gazette

Medico-Legal Defense Shield

Professional Protection Scheme

KPPS • 1,420+ Defended Cases

Statutory Medico-Legal Indemnity Cover

₹1,00,00,000

High Court advocates retainer included

Dedicated Legal Cell: Senior High Court advocates present across all 31 Karnataka districts.
Comprehensive Trial: Consumer Forum, NMC Ethical Disciplinary Panels & Civil litigation.
24/7 Rapid SOS: Immediate legal liaison dispatch during acute hospital mob crises.

Nominal Annual Pool:₹4,500 total tenure

Secure Legal Shield

24/7 Legal Cell SOS

Claim Disbursed in 48 Hours

Manipal Hospital Bengaluru • Cashless Settlement

Audit Verified

Non-Corporate Fraternity Model

Direct Claim Settlement & Verification Tracker

Unlike commercial health insurers seeking exclusionary clauses, IMA schemes are governed directly by your medical peers. Every decision is guided by fraternity ethos and professional solidarity.

Track Real-Time Status or Verify Membership Standing

Check Status

Official Circulars & Downloadable Forms

Estimate your combined coverage, then download gazetted forms for KSHS, KSSS, and KPPS.

Official KSHS Empaneled Hospitals Directory

KSSS Nominee Declaration Form-B

KPPS Medico-Legal SOPs & Consent Manual