Dr YSR Aarogyasri Health Scheme

Dr YSR Aarogyasri Health Scheme: Comprehensive Guide

Launched in 2007, the Aarogyasri scheme is one of the notable initiatives of the Andhra Pradesh Government to safeguard low-income families in the state. It is structured in the PPP (Public-Private Partnership) model of health insurance schemes. The primary objective of this scheme is to provide cashless treatment for needy patients. 

Wondering who is eligible for benefits under this scheme? Read on to learn its features, eligibility criteria, required documents, and more. 

What are the Features and Benefits of the Arogyasri Health Scheme?

Families belonging to the low-income category can benefit from the Dr YSR Aarogyasri scheme. Here are some of them:

●  Out-Patient Treatment

Beneficiaries can visit health camps or network hospitals for cashless treatment for the diseases listed under the Aarogyasri scheme.

●  Cashless Healthcare

Each beneficiary and their family can avail of a financial coverage of ₹5 Lakh annually. Families registered under this scheme can utilize this amount for cashless treatments.

●  In-Patient Care

It covers the hospitalization costs and the treatment for the diseases listed under the scheme.

●  Follow-up Treatment Cover

Individuals usually need to spend a good amount of money on follow-up treatment after being hospitalized. Such expenses are covered under this scheme.

●  Pre-Existing Disease Cover

Most health insurance companies do not offer this coverage, but with the Aarogyasri scheme, individuals can avail themselves of treatment benefits even for a pre-existing disease. 

●  Family Floater Cover

The Aarogyasri health card covers the health requirements of the beneficiary's whole family. Thus, there's no need to insure each family member separately.

What are the eligibility criteria for Applying for the Dr. YSR Aarogyasri Scheme?

The following individuals are eligible for Dr. YSR Aarogyasri AP:

• If your family holds a YSR Pension Kanuka Card, you can apply for the Aarogyasri scheme.
• Individuals holding Jagananna Vidya and Vasathi Deevena cards are also eligible.
• Rice card holders are qualified to avail the benefits of this scheme.
• Landowners who own less than 12 acres of wetland, 35 acres of dry land, and less than 35 acres after combining dry and wetland are eligible for this scheme.
• Households with an annual income of ₹5 Lakh possessing a salary certificate can apply for this scheme.
• Non-government employees or retirees with an annual income of ₹5 Lakh are eligible for the Aarogyasri health scheme.
• You can apply for this scheme if your family has no vehicle or only one vehicle for personal use.
• Families with a maximum annual income of ₹5 Lakh and paying income tax are eligible.
• Families paying municipal property taxes against their less than 3000 sq. ft. home can apply for this scheme.

What are the Documents Required to Apply for the Arogyasri Scheme?

The following are the documents required to apply for an Aarogyasri health card:

●  Address proof
●  Income certificate
●  Aadhaar card
●  BPL certificate

How to Apply for Dr. YSR Aarogyasri Health Scheme?

Here are the steps to follow while applying for Aarogyasri card online:

1.Visit Gramme Ward Sachivalayam portal or Navasakam officical website (https://navasakam2.apcfss.in/)
2.Click the "Log In" tab and locate the "Aarogyasri Health Card" application.
3.Fill out the form with the necessary details and upload all the required documents.
4.Click on "Submit" and keep a printout of your application for future reference.

Following are the steps to apply for the Aarogyasri scheme offline:

1.Log in to the official website: https://navasakam2.apcfss.in/.
2.Click on the "Download" option.
3.Select "YSR Aarogyasri Health Card Performa".
4.A new page will open with the Aarogyasri application form.
5.Click on the download option and print out the form.
6.Enter the necessary details to fill out the form.
7.Visit the concerned department and carry all the supporting documents.
8.Submit your application form along with the copies of documents.

After completing the document verification, the authorities will hand you the Aarogyasri health card.

What Treatments Are Covered Under the Arogyasri Health Scheme?

Treatment for more than 949 illnesses, including cancer, kidney issues, heart disease, neurological disorders, etc., are covered under the Aarogyasri scheme. It covers the following organ transplants and provides follow-up packages for treatments:

●  Live kidney and liver transplants
●  Autologous and allogenic stem cell transplants
●  Cadaver heart, liver, kidney, and lung transplants
●  Cadaver heart and lung transplant surgeries

Here are some more treatments covered under this scheme:

• Chemotherapy and surgery costs for cancer treatments
• Kidney transplants and dialysis costs for kidney treatments
• Angioplasty and bypass surgery costs for heart treatments
• Parkinson's disease and stroke treatments for neurological conditions
• Spinal surgeries and joint replacement costs for orthopaedic care
• COPD and asthma treatment costs
• Ulcerative colitis surgery costs gastrointestinal disorders
• Surgeries and burn treatment costs
• Specific medical treatment coverage for newborns

The Aarogyasri Health Insurance Scheme also covers the following surgeries:

• ENT surgery
• Medical oncology
• Excision of Meckel's diverticulum
• Surgical gastroenterology
• The neck of bladder reconstruction
• Bone tumour surgery
• Plastic surgery
• Cardiothoracic surgeries
• Coronary balloon angioplasty with drug-eluting stent 
• Surgical oncology
• Superficial parotidectomy (non-malignant)
• Emphysema thoracic surgery
• Myringoplasty
• Genitourinary surgeries
• Orthopaedic surgeries and procedures
• Ophthalmology
• Gynecology and obstetrics
• Joint reconstruction/intra-articular fractures
• Excision of ureterocele with ureteric implantation
• Radiation oncology
• Laparoscopic surgical treatment for duodenal perforation
• Glaucoma surgery
• Septorhinoplasty
• Exenteration of orbit
• Open radical prostatectomy
• Pediatric surgeries
• Neurosurgery
• Rectopexy open with mesh for rectal prolapse 
• Rectovaginal fistula management without colostomy
• Lumbar hernia repair in a pediatric patient

Which Treatments Are Excluded from the Arogyasri Health Scheme?

The following treatments are not covered under the Aarogyasri scheme:

●  Knee replacement surgeries 
●  Gamma-knife procedures in neurosurgery 
●  Medical treatment related to bone marrow 
●  Infectious diseases
●  Assisted devices for cardiac failures 
●  Cardiac and liver transplantations 
●  Jaundice
●  Malaria
●  Tuberculosis
●  Leprosy & Filaria
●  Gastroenteritis
●  HIV/AIDS

How to Download the Arogyasri Health Card?

Here are the steps for the Aarogyasri card download:

1.Visit https://www.ysraarogyasri.ap.gov.in for YSR Aarogyasri login.
2.On the homepage, select "EHS" and click on "Download Health Card."
3.Enter your username and password and select "GO."
4.Complete the form and view your YSR Health Card on the screen.
5.Download the Aarogyasri card.

How to Claim Aarogyasri Health Benefits?

Claiming the Aarogyasri health benefits is not as complex as the claim process of health insurance schemes. Here's what to do:

• The beneficiaries must get treatment from the empanelled hospitals and submit the health card to the Vaidya Mitra. 
• They will collect the information from the card before initiating the treatment.
• The beneficiary can also provide the Aarogyasri number to Vaidya Mitra instead of submitting the original document. 
• If such a situation arises when the documentation does not attest to the beneficiary's Aarogyasri eligibility, they can contact the Aarogyasri Trust for assistance.

The claim process for hospitals differs from that of a beneficiary. They must seek authorization beforehand if any surgical treatment has been planned. Dr YSR Aarogyasri Healthcare Trust can fulfil the claim once the hospital authorities meet the following conditions:

• The claim amount should be within the pre-authorization limit.
• Hospitals are allowed to treat only those diseases that are enlisted in the approved treatment list.
• The claim should be intimated at the earliest opportunity.
• For seamless claim settlement, hospitals need to produce photographic evidence of the treatment.

The Dr. YSR Aarogyasri Scheme represents a crucial step towards ensuring equitable healthcare access in Andhra Pradesh. It was mainly introduced for low-income families who might otherwise struggle with medical expenses. With ongoing improvements and increased awareness efforts, this initiative has the potential to significantly enhance public health outcomes in the region.