The Vajpayee Arogyashree Scheme is a health insurance program which was introduced by the Government of Karnataka to help families who are living below the poverty line (BPL). This scheme was Launched in the year 2009-10 the scheme provides comprehensive healthcare coverage to surety these families can afford critical medical treatments without financial hardship. In 2024 the scheme continues to focus on high cost medical conditions that require hospitalization and advanced medical procedures offering a safety net to the state’s most vulnerable populations.
One of the main objectives of the Vajpayee Arogyashree Scheme is to reduce the financial burden on BPL families when dealing with illnesses. The scheme covers the full cost of care including hospital stays, surgeries, diagnostic tests and therapy. It also provides pre-hospitalization costs for diagnostic tests and consultations. With a coverage of up to 1.5 lakh rupees per family and an additional 50,000 rupees for special cases, the scheme ensures that quality healthcare is accessible to those in need.
Procedure To Apply For The Vajpayee Arogyashree Scheme
The enrollment process for the Vajpayee Arogyashree Yojana involves several steps:
- Aadhaar Authentication: Your Aadhaar card is used to verify your identity through biometric authentication. This process ensures that the information provided matches the data stored in the CIDR Aadhaar server.
- e-KYC Data Completion: Once the Aadhaar authentication is successful, the e-KYC (Know Your Customer) data is completed immediately. This step helps in verifying the applicant’s demographic details and other relevant information.
- Registration on Arogya Karnataka’s Official Website: The applicant needs to register on the official website of Arogya Karnataka to initiate the enrollment process. During registration, the applicant provides necessary personal and family details.
- Generation of ArKID: Upon successful registration, the applicant receives a unique patient ID known as the ArKID. This ID consists of the PDS card number, individual family member numbers and separators allowing for easy identification and tracking within the healthcare system.
- Confirmation SMS: A confirmation SMS is sent to the applicant’s registered Vajpayee Arogyashree contact number, confirming the successful registration under the scheme.
- Printing of UHC Card: To obtain a physical proof of enrollment, the applicant can opt to pay a nominal fee of ₹10 to get the special scheme ID printed on a UHC (Universal Health Coverage) card. This card contains the applicant’s name, photo, and other relevant information, along with the ArKID.
- Utilization of UHC Card: The applicant can carry the UHC card to the nearest designated hospital for availing treatment under the Vajpayee Arogyashree Yojana. The card serves as a form of identification and contains all necessary details required for accessing the benefits of the scheme.
Overall, the enrollment process ensures seamless identification, registration, and issuance of a unique ID for beneficiaries, along with the provision of a physical card for easy access to healthcare services under the Vajpayee Arogyashree Yojana.
Eligibility Criteria Of Vajpayee Arogyashree Scheme
The eligibility criteria for the Vajpayee Arogyashree Yojana in 2024 are as follows:
- Residency: The applicant must be a resident of Karnataka state.
- Economic Status: The scheme is designed for families that fall below the poverty line (BPL) in Karnataka.
- Identification: Applicants must possess a valid Ration Card to qualify for the benefits under the scheme.
Overview of the scheme
| Feature | Details |
|---|---|
| Scheme Name | Vajpayee Arogyashree Yojana |
| Launched | 2009–10 |
| Beneficiaries | Residents of Karnataka |
| Coverage (per family) | Up to ₹1.5 lakh (additional buffer of ₹50,000 for special cases) |
| Procedures Covered | 402 procedures |
| Objective | To provide financial protection and access to quality healthcare for BPL families |
| Eligibility | Must be a BPL cardholder and resident of Karnataka |
| Benefits | Cashless treatment, pre-hospitalization costs, coverage for major health interventions |
Diseases covered
The Vajpayee Arogyashree Yojana covers a wide range of diseases, particularly those that require hospitalization and advanced medical procedures.
- Cardiovascular Diseases: Treatments for various heart conditions are covered.
- Cancer: This includes surgery, chemotherapy, and radiotherapy for different types of cancer.
- Burns: Comprehensive care for burn injuries is provided.
- Kidney Diseases: This covers treatments for various renal conditions.
- Neonatal Cases: Specialized care for newborns with health issues is included.
- Neurological Diseases: Treatments for brain and nervous system disorders are eligible for coverage.
Benefits of Vajpayee Arogyashree Scheme
The Vajpayee Arogyashree Yojana is a flagship health insurance scheme which was launched by the Government of Karnataka. It aims to provide comprehensive healthcare coverage to families living below the poverty line (BPL), ensuring they have access to necessary medical treatments without financial hardship. Here are the key features and benefits of the scheme:
Cashless Treatment:
- Beneficiaries receive cashless treatment at empaneled hospitals, covering the entire cost of hospitalization and surgeries.
- This ensures that BPL families can access medical care without worrying about upfront payments.
Pre-Hospitalization Coverage:
- The scheme covers pre-hospitalization expenses, including consultations and diagnostic tests.
- This helps families prepare for necessary treatments by covering initial medical assessments.
Hospitalization Expenses:
- It includes the cost of surgeries, medicines, and other hospital services required during the patient’s stay.
- By covering high-cost medical conditions, the scheme protects BPL families from catastrophic health expenditures.
Objectives of Vajpayee Arogyashree Yojana:
- Financial Protection: By covering significant medical expenses, the scheme helps protect BPL families from financial strain due to healthcare costs.
- Quality Healthcare Access: Beneficiaries receive high-quality medical care from empaneled hospitals, regardless of their economic status.
- Reduction of Health Inequities: The scheme bridges the gap in healthcare access between the wealthy and the poor.
- Support for Major Health Interventions: It covers treatments for serious conditions such as cancer, heart diseases, neurological disorders, renal diseases, and burns.
