Dr YSR Aarogyasri Card: Eligibility, Benefits & Coverage

Medical treatment can be expensive, and many people avoid or delay going to the hospital because they can’t afford it. This often makes their health worse and increases financial stress. To address this issue, the Dr YSR Aarogyasri Health Scheme was introduced for underprivileged families in 2007. It aims to provide free treatment for serious illnesses, surgeries, and hospital care. Families who are eligible receive a YSR Aarogyasri Card, which allows them to get cashless treatment at approved hospitals.

Benefits of Dr YSR Aarogyasri Health Scheme

The benefits of the Dr Aarogyasri Health Scheme are as follows:

1. Hospital care:

If hospitalisation is required, the scheme provides comprehensive coverage for in-patient treatments in government and network hospitals. Beneficiaries can receive treatment for a wide range of illnesses and medical conditions without worrying about the financial burden.

2. Outpatient treatment:

In addition to hospital care, the scheme covers outpatient treatments. These include services like consultations, diagnostic tests, and minor treatments provided at network hospitals and health camps. These services are offered as a part of the cashless facility, so beneficiaries to access healthcare without making upfront payments.

3. Cashless healthcare:

This is one of the key features and benefits of the scheme. Once registered, the eligible family members can avail of cashless treatment of up to INR 5 lakhs per family per year. The coverage includes all hospitalisation and treatment costs at network hospitals.

4. Coverage for pre-existing conditions:

The scheme also covers treatment for pre-existing conditions or the health issues the covered members are suffering from before enrolling in the scheme. This helps individuals with chronic conditions or ongoing diseases access timely medical care without worrying about the bills.

5. Follow-up care:

The scheme also covers follow-up treatments and post-hospitalisation expenses, which could otherwise create financial woes. This ensures the beneficiaries receive comprehensive care during recovery as well.

6. Affordable family health insurance:

The YSR Aarogyasri Health Scheme offers affordable family health insurance, providing coverage for the entire family, including parents, under one policy. Therefore, the eligible family members can access the benefits of the scheme without purchasing separate policies. The scheme reduces healthcare costs for low-income families, making quality healthcare more accessible.

YSR Aarogyasri Health Scheme General Surgeries List

The YSR Aarogyasri Health Scheme covers a wide range of general surgeries, allowing eligible families to undergo any of the included procedures without the financial burden of medical expenses. The following surgeries and treatments are covered under the scheme:

• ENT Surgery

• Ophthalmology

• Glaucoma Surgery

• Septorhinoplasty

• Surgical Gastroenterology

• Gynaecology and Obstetrics

• Orthopaedic Surgery and Procedures

• Cardiothoracic Surgery

• Myringoplastytrans

• Paediatric Surgeries

• Genitourinary Surgeries

• Neurosurgery

• Medical Oncology

• Surgical Oncology

• Radiation Oncology

• Plastic Surgery

• Polytrauma

• Open Radical Prostatectomy

• Prostheses

The scheme also covers infectious diseases, paediatrics, neurology, dermatology, cardiology, nephrology, rheumatology, endocrinology, gastroenterology, psychiatry, critical care, and general medicine.

However, this health scheme has some exclusions as well. The following conditions and treatments are not covered under Dr YSR Aarogyasri Health Scheme:

• Leprosy

• Filaria

• Malaria

• Jaundice

• HIV/AIDS

• Tuberculosis

• Infectious diseases

• Gastroenteritis

• Knee replacement surgeries

• Gamma-knife procedures in neurosurgery

• Medical treatment related to bone marrow

• Assisted devices for cardiac failure

• Cardiac and liver transplantations

What are the Features of Dr YSR Aarogyasri Health Care Trust?

The following are the main features of the Dr YSR Aarogyasri Health Care scheme:

• Cashless treatment:

Each eligible household can avail of cashless medical services up to INR 5 lakh every year.

• Hospitalisation coverage:

The scheme covers inpatient treatment for listed illnesses. This means patients can be admitted to hospitals without worrying about major expenses.

• Outpatient medical services:

Outpatient care, including check-ups and minor treatments, is available on a cash-free basis at health camps and network hospitals.

• Post-hospitalisation care:

If additional procedures are required after hospital discharge, the scheme also covers those expenses. Follow-up treatments and recovery-related care are included in the plan.

• Coverage for pre-existing health conditions:

Even if a covered member has a pre-existing health condition, they can still avail themselves of treatment under the scheme.

• Coverage for the entire family:

It is a family-floater policy, so the total coverage can be used by any family member.

How to Register for Dr YSR Aarogyasri Health Scheme

Eligible families can easily register for the scheme and avail of its benefits. Therefore, before registering, it is important to check the eligibility criteria, which are as follows:

• The applicant should be a resident of Andhra Pradesh or Telangana.

• The annual income of the applicant’s family must be less than INR 5 lakhs.

• The applicant must hold a white ration card, which is typically given to Below Poverty Line (BPL) families.

• The applicant’s family should not own more than 35 acres of land, whether it is wet or dry agricultural land.

• The applicant should have less than 3000 square feet of area.

• The applicant must belong to a Municipal Property Tax-paying family.

• The applicant cannot own more than one car.

• Private sector employees, part-time employees, sanitary workers, and honorarium-based employees working in the Government Sector can also be beneficiaries of the scheme.

• Families filing income tax returns of up to INR 5 lakhs annually are eligible for the scheme.

The following are the steps to register for the YSR Aarogyasri health insurance online:

• Step 1:

Visit the official website of Dr YSR Aarogyasri Health Insurance Scheme.

• Step 2:

Log in to your account using your ID and password.

• Step 3:

Locate the online application form and fill out all the required fields correctly. You must also upload the necessary documents.

• Step 4:

Review the filled-out application form and submit it. Remember to take a printout for future reference.

• Step 5:

To avail of the benefits, visit any PHC, CHC, Area Hospital, District Hospital, or nearby government hospital with your white card/health card and medical reports. In case of an emergency, you can approach any network hospital directly.

These hospitals have facilitators called AarogyaMithras, who assist with registration, facilitate the treatment and provide guidance on all available services. AarogyaMithras are also stationed at other government hospitals and health camps to assist with examinations, screenings, and referrals. The ones at network hospitals also guide and facilitate cashless treatment.

After registering for the scheme, you may receive a YSR Aarogyasri Card with your enrolment details. You can use this health card to access cashless healthcare services.

Documents Required for YSR Aarogyasri Health Scheme

The documents required for the YSR Aarogyasri Health Scheme are as follows:

Aadhaar card:

A valid Aadhaar card is required for identity verification, including that of the applicant and their family members.

Address proof:

A valid address proof, such as the voter ID or utility bill, is needed to confirm the applicant’s local address.

Income certificate:

The applicant must also submit an income certificate to confirm the family’s annual income is below the specified limit of INR 5 lakhs.

BPL certificate:

The government issues this certificate to identify and certify individuals and families whose income falls below the poverty line. Therefore, the applicant must submit the BPL certificate for verification.

Treatments Covered Under YSR Aarogyasri Scheme

The following treatments are covered under the YSR Aarogyasri scheme:

• Diagnostic tests:

These include X-rays, CT scans, MRI scans, ultrasounds and various laboratory tests.

• Surgeries:

This includes cardiovascular, orthopaedic, gastrointestinal, gynaecological, urological surgeries and more.

• Medications:

These include important drugs prescribed by doctors during treatment and recovery.

• Dialysis:

This covers treatment for kidney-related conditions, including the removal of waste and excess fluids.

• Organ transplants:

These include kidney, liver, heart and lung transplants

• Maternity care:

This covers care during pregnancy, childbirth and after delivery.

• Child health services:

These include treatment for childhood illnesses, vaccinations and congenital surgeries.

• Rehabilitation services:

The scheme also covers physical, occupational and speech therapies that support recovery.

• Oncology services:

These include cancer-related surgeries, chemotherapy, radiation therapy and supportive care.

• Cardiac care:

Treatments like stent placement, angioplasty and CABG surgeries are covered.

• Neurological services:

The scheme also covers treatments for epilepsy, stroke and neurodegenerative disorders.

• Gastrointestinal care:

Procedures like endoscopy, surgeries for bowel obstructions and related treatments are covered under the scheme.

• Orthopaedic care:

This includes fracture treatments, spine surgeries and joint replacements.

• Respiratory care:

This includes treatments for asthma, COPD and other lung-related conditions.

• Endocrine services:

These cover treatments for diabetes, thyroid issues and other hormonal disorders.

• Eye, ENT and dental care:

The scheme also covers certain eye surgeries, ENT services and selected dental care procedures.

• Skin and dermatology:

Treatments for skin conditions and necessary cosmetic procedures.

• Psychiatric care:

This includes mental health consultations, therapies and medications.

• Urological care:

This includes medical and surgical treatments for urinary tract conditions.

• Prosthetic devices:

These provide artificial limbs and other prosthetic aids as needed.

• Emergency services:

These provide immediate medical attention and interventions during emergencies.

Treatments Not Covered Under YSR Aarogyasri Scheme

The following treatments are not covered under the YSR Aarogyasri scheme:

• Surgeries/medical procedures:

These include knee replacement surgeries, bone marrow-related treatments, cardiac support devices, heart and liver transplant procedures, etc.

• Infectious diseases:

The scheme does not cover infectious diseases, like jaundice, malaria, tuberculosis, HIV/AIDs and gastroenteritis.

• Chronic diseases:

Conditions like leprosy and filaria are not covered.

What is the Eligibility for YSR Aarogyasri Health Care Trust Scheme?

The eligibility criteria for the scheme are as follows:

• The applicant must live in Andhra Pradesh or Telangana.

• If the applicant lives in a town or city, their home must be under 3000 sq. ft., and they must pay municipal property tax.

• The applicant should not own more than 35 acres of dry or wet land.

• The applicant’s family should not own more than one vehicle.

• The family’s annual income should not be more than INR 5 lakh.

• The family must possess white ration cards.

• Outsourced workers, contract labourers, part-time employees and sanitation workers earning over INR 5 lakh a year can also apply for the scheme.

• Private sector workers and those receiving honorarium payments qualify for the scheme.

How to Enrol for YSR Aarogyasri Scheme?

There are two main ways to apply for the scheme – offline and online:

Online enrolment method for YSR Aarogyasri Scheme

You can easily enrol online by following the steps below:

1. Go to the official Navasakam website or the Grama – Ward Sachivalayam portal.

2. Click on the ‘Login’ tab to access the login page.

3. Log in and choose the option for “Aarogyasri Health Card Application”.

4. Fill in all the required details in the online form.

5. Upload all the necessary supporting documents.

6. Submit the form online and save/print a copy for your records.

Offline enrolment method for YSR Aarogyasri Scheme

Here’s how you can apply offline:

1. Visit a network hospital or Aarogyasri Trust office near you to start the enrolment process.

2. You will meet an enrolment officer there who will help you with the process and answer any questions you may have.

3. You will be asked to provide your personal details, such as your name, address, Aadhaar card number and phone number. Also, submit necessary documents, including proof of address, income certificate and medical certificates.

4. The enrolment officer will then check your eligibility based on the documents and information you have provided.

5. You may be asked to give your biometric data, such as fingerprints or an eye scan, to verify your identity.

6. After your details are processed, you will receive an acknowledgement slip or a unique ID number. This can be used to track your application and access health services.

7. You may also receive a health card, which serves as proof of your enrolment. Keep it safe for future use.

8. Once enrolled, you can receive cashless treatment at any network hospital by showing your health card or acknowledgement slip. Remember to renew your enrolment regularly to continue enjoying the benefits of the scheme.

Conclusion

The Dr YSR Aarogyasri Card is a major step toward making healthcare more affordable for poor families in Andhra Pradesh and Telangana. By offering free treatment for serious health conditions, it helps reduce both medical and financial stress for thousands of people. If your family is eligible, this could be one of the best health insurance plans in India for your medical needs.

If you are looking for health insurance for senior citizens, especially to cover your parents, there are many plans available. However, instead of picking one at random, it is important to check what each plan covers and use a health insurance calculator to compare premiums and benefits. This way, you can choose the best plan that offers your parents quality healthcare without the stress of high medical bills.

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