Dr YSR Aarogyasri Card: Eligibility, Benefits & Coverage

Posted on: Dec 23, 2024 | 3 mins | Written by: HDFC ERGO Team

Dr YSR Aarogyasri Card: Eligibility, Benefits & Coverage

Quality healthcare services remain a major concern in most parts of the country, including Andhra Pradesh, especially for economically weaker sections of society. Due to the ever-increasing healthcare costs, low-income families often face difficulties in accessing timely and specialised medical care. This leads to delayed treatments, worsening health conditions, and increased financial burden. Dr Aarogyasri Health Scheme aims to address these issues by providing free and comprehensive medical coverage to underprivileged families.

Launched in 2007, the Dr YSR Aarogyasri Health Scheme is a transformative initiative by the Andhra Pradesh Government. It provides free quality healthcare for various medical procedures and treatments to Below Poverty Line (BPL) families in empanelled hospitals across the state. In case of a medical emergency, covered families can show the YSR Aarogyasri Card and avail themselves of timely cashless treatment, leading to improved health outcomes. Read on to learn more about this valuable health scheme.

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 can 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

• Myringoplasty

• 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

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:

• 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 of the applicant and his/her family members is required for identity verification.

Address Proof:

A valid address proof, such as 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:

This certificate is issued by the government to identify and certify individuals and families whose income falls below the poverty line. Therefore, the applicant must submit the BPL Certificate for verification.

Conclusion

To sum up, the Dr YSR Aarogyasri Health Scheme offers essential financial support to families during medical emergencies. With comprehensive coverage and cashless services, it significantly eases the burden on individuals and families living below the poverty line. Beneficiaries can simply present their YSR Aarogyasri Card at hospitals to receive timely cashless treatment. The scheme, an important initiative by the Government of Andhra Pradesh, aims to make healthcare more accessible to the underprivileged, improving their well-being.

Keeping the ever-increasing healthcare costs in mind, it is important to stay covered under a health insurance policy and critical illness insurance to access quality treatment without fretting about the bills. You can shortlist and compare various health plans to choose one that best matches your requirements and budget.

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

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