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All About Aarogyasri Telangana: A Comprehensive Guide

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A medical emergency can be financially draining and stressful for the entire family, especially those with limited resources. Considering that a notable percentage of Telangana’s population lacked basic healthcare, the government of the state introduced the Aarogyasri Telangana Health Insurance Scheme in 2007 to make quality healthcare available to all. The scheme covers families living below the poverty line or those with an annual income of INR 5 lakh or less.

Read on to learn about Aarogyasri Telangana eligibility, features, benefits, inclusions, exclusions, application process and Aarogyasri card download in Telangana.

What is Aarogyasri Health Care Trust?

The State Government set up Aarogyasri Health Care Trust under the chairmanship of the Chief Minister to effectively implement the Aarogyasri Health Insurance Scheme. It is managed by a Chief Executive Officer who is an IAS by designation. The Trust runs the Aarogyasri Health Insurance Scheme in association with healthcare and insurance experts.

The Trust works towards providing medical coverage to low-income group people, the ones who cannot afford health insurance. Any family with an annual income of INR 5 lakh or less can get covered under the Aarogyasri Health Insurance Scheme. The beneficiaries are issued a health card that they can display at any network hospital and avail of cashless treatment.

Understanding Aarogyasri Community Health Insurance Scheme

Aarogyasri Community Health Insurance Scheme is a flagship health program introduced in 2007 by the former Chief Minister of Andhra Pradesh, Dr Y S Rajasekhara Reddy. The scheme was announced with the aim of offering free quality healthcare to BPL families.

This health insurance scheme covers both inpatient and outpatient diagnostic tests and medical procedures in network hospitals. It covers over 3255 surgeries and therapies for conditions affecting different organs in the body, such as heart, kidneys, and brain. Families covered under this scheme are offered financial protection of up to INR 5 lakh per annum for their medical expenses.

Aarogyasri Telangana - Eligibility

The following people are eligible for coverage under the Aarogyasri Telangana scheme:

• Residents of Andhra Pradesh and Telangana

• Rice Card or White Ration Card holders

• Families eligible for YSR Pension Kanuka Card and Jagananna Vidya and Vasathi Deevena Card

• Families with an annual income of less than INR 5 lakh

• Families living below the poverty line

• Families owning less than 35 acres of land

• Households paying Municipal Property Tax for less than 3000 sq. ft.

• People who possess a valid ID card issued by the Government of India

• Families earning up to INR 5 lakh annually and filing income tax returns for the same

• Any employee in the private sector with an annual income of less than or equal to INR 5 lakh

• Families with only one personal car

Aarogyasri Health Insurance Scheme — Features

Now that you know about Aarogyasri Telangana eligibility, let’s look at the scheme’s features. The following are the features of the Aarogyasri health insurance scheme.

1. Quality healthcare

The scheme ensures quality and timely healthcare services to all. There is total equity in access to medical services.

2. Coverage for the entire family

This health insurance scheme covers the entire family under one plan.

3. Inpatient and outpatient healthcare

The scheme covers both inpatient and outpatient healthcare of the beneficiaries. However, these services will be offered only for the diseases and therapies stated in the scheme.

4. Cashless treatment

The scheme offers cashless treatment to beneficiaries through a network of empanelled hospitals in Telangana, both government and private sector.

5. Pre-existing diseases

The scheme also covers people with pre-existing diseases. Even if someone gets diagnosed with a condition before registering for Aarogyasri Health Insurance, he/she can be covered under this scheme.

6. Wide coverage

The scheme covers over 3255 listed surgeries and therapies for around 1000 illnesses, including heart diseases, kidney conditions, cancer, and neurological conditions.

7. Policy premiums

The premium of this health insurance is paid by the Government of Telangana. The policyholders need not pay anything from their pocket.

8. Reimbursement of medical expenses

Families covered under the scheme can submit reimbursement claims online or at designated centres. Online claims can be registered at the website of the Aarogyasri Health Insurance Scheme.

9. Benefits

The scheme also covers cashless treatment for some high-end therapies that may cost more than the financial coverage amount of INR 5 lakh. These treatments and therapies include Medical Oncology, Cochlear Implantation Surgeries, Organ Transplantation Surgeries, Thalassemia and Maintenance Haemodialysis Treatment.

Aarogyasri Telangana Health Care Scheme is quite similar to Ayushman Bharat Yojana, which also offers free cashless healthcare benefits to eligible families living below the poverty line.

Aarogyasri Health Insurance Scheme - Inclusions

The inclusions of the Aarogyasri Telangana are:

1. Cost of diagnostic tests, surgeries and other medical procedures covered under the scheme

2. Hospital, outpatient, and pharmacy bills

3. Free follow-up care

4. Free food and transportation to patients

5. Coverage against as many as 3255 listed therapies for diseases that are identified in the following 31 categories:

• Cardiology

• Cardiac and Cardiothoracic Surgery

• Cochlear Implant Surgery

• Neurology

• Neurosurgery

• Nephrology

• ENT Surgery

• Gastroenterology

• Genito Urinary Surgeries

• Gynaecology and Obstetrics Surgery

• Surgical Gastro Enterology

• Rheumatology

• Orthopaedic Surgery and Procedures

• Ophthalmology Surgery

• Organ Transplantation Surgery

• Paediatrics

• Paediatric Surgery

• Pulmonology

• Radiation Oncology

• Surgical Oncology

• Infectious Disease

• Medical Oncology

• Critical Care

• Dermatology

• Endocrinology

• General Surgery

• General Medicine

• Plastic Surgery

• Poly Trauma

• Psychiatry

• Epidemic Disease

Aarogyasri Telangana covers cancers, burns, accidents and conditions related to the heart, brain, kidneys, respiratory system, gastrointestinal system, musculoskeletal system, etc.

Aarogyasri Health Insurance Scheme – Exclusions

Aarogyasri Health Insurance Scheme does not cover the following:

1. Liver transplantation

2. Cardiac transplantation

3. Bone marrow procedures

4. Hip and knee replacement surgeries

5. Assisted devices for cardiac failure

6. Infectious diseases

7. Jaundice

8. Gamma-knife procedures in Neurosurgery

9. Tuberculosis

10. Leprosy

11. HIV/AIDS

12. Filaria

13. Gastroenteritis

How to Sign Up and Apply for the Aarogyasri Card in Telangana?

Any family living below the poverty line is eligible for the Aarogyasri card in Telangana. One can apply for the card either online or offline by following the steps below:

Steps to apply for the Aarogyasri health card online:

1. Visit the YSR Navasakam website and click on the login tap in the top right corner.

2. Login to the website with your employee/pensioner number and password. The password will be the same as your employee/pensioner number.

3. Next, click on the “Aarogyasri Health Card” application form.

4. Fill out the application form with the required details and upload the supporting documents.

5. Last, submit the application form. Remember to take a printout of the same for your records.

Steps to enrol for the Aarogyasri health card offline:

1. Go to YSR Navasakam website.

2. Click on the ‘Download’ option available at the top of the screen.

3. Next, click on “YSR Aarogyasri Health Card Proforma”, and the application form will open.

4. Download the form and take a printout of it.

5. Fill out the form correctly and submit it to the concerned department with photocopies of the required/supporting documents.

6. Your documents will be verified, and if everything looks fine, you will receive your YSR Aarogyasri health card in a few days.

These are the steps for the Aarogyasri card download in this Telangana health insurance scheme.

Aarogyasri Telangana Health Camp Services

With the aim to achieve “HEALTH FOR ALL” in Telangana, Aarogyasri Telangana Health organises major health camps in the state to educate the masses about important diseases. These camps also provide medical advice and distribute free medicines for some common ailments.

As a part of the Aarogyasri Telangana scheme, the network hospitals must organise health camps to conduct free medical examinations and treatment of the beneficiaries.

Before organising health camps, the concerned network hospitals must conduct the following IEC (Information, Education, and Communication) activities to inform people about the camps to ensure maximum attendance:

• Distribute pamphlets

• Put posters and banners

• Play audio-visual media

• Run advertisements on the radio

• Make public announcements in autos

• Create articles and advertisements for local newspapers

• Organise meetings in villages

• Conduct exhibitions on general health and hygiene

• Organise exhibitions to educate people on the importance of early detection of health conditions

Aarogyasri Telangana Health Care Trust – Contact Details

The contact details of Aarogyasri Telangana Health Care Trust are as follows:

Door No. 8-2-293/82, A/AHCT Road, G Rami Reddy Marg, Silent Valley Hills, Road No. 46, Jubilee Hills, Hyderabad – 500033

Phone No.: 040-27654107

Email: accountsts@aarogyasri.gov.in

Conclusion

Aarogyasri Telangana health insurance policy offers many benefits to families living below the poverty line. This health insurance policy covers the diagnosis and treatment costs of many diseases, including some life-threatening conditions covered under critical illness insurance. The Aarogyasri Health Care Trust also works towards educating the masses about different diseases and the importance of opting for timely treatment. Covering around 88 lakh families, Aarogyasri Telangana is working incessantly to ensure quality and timely healthcare for free.

Conclusion

To sum up, if you are likely to face liver issues due to your sedentary lifestyle, obesity, alcohol consumption, hectic work schedule or family history of liver conditions, it is wise to take health insurance with critical illness cover without delay. Health insurance for liver patients can assure much-needed financial support throughout the treatment and recovery period and make things less stressful. Also, make necessary changes to your lifestyle to keep your liver healthy. However, do watch out for warning signs and symptoms and avail of timely treatment to prevent the condition from worsening.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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