The Dr. YSR Aarogyasri Health Insurance Scheme was launched in 2007 by the Government of Andhra Pradesh to provide financial assistance to low-income families. The scheme follows a Public-Private Partnership (PPP) model and offers end-to-end cashless services for secondary and tertiary care treatments through a network of government and private hospitals.
Objectives
- Ensure free quality hospital care and equitable access for BPL families.
- Provide financial security against catastrophic health expenses.
- Strengthen government hospitals through demand-side financing.
- Offer universal health coverage for urban and rural poor in Andhra Pradesh.
Benefits
- Hospital Care: Covers in-patient treatment for listed illnesses.
- Out-Patient Care: Free treatments through health camps and network hospitals.
- Cashless Services: Annual coverage of ₹5,00,000 per family.
- Pre-Existing Disease Coverage: Covers illnesses before enrollment.
- Follow-Up Care: Covers post-hospitalization treatments.
- Family Health Insurance: Entire family can use the covered amount under a single policy.
Free Services Under The Scheme
- Free admission to hospitals.
- Doctor consultations (daily).
- Nursing services.
- Medical tests.
- Medicines.
- Surgery or treatment.
- Free meals (breakfast & lunch).
- 10 days of post-discharge medicines.
- Transport charges for returning home after discharge.
Specialties & Treatments Covered
- ENT Surgery
- General Surgery
- Ophthalmology
- Glaucoma Surgery
- Gynaecology & Obstetrics
- Orthopaedic Surgery & Procedures
- Cardiothoracic Surgery
- Paediatric Surgeries
- Neurosurgery
- Surgical Oncology
- Medical Oncology
- Radiation Oncology
- Plastic Surgery
- Critical Care
- General Medicine
- Infectious Diseases
- Cardiology
- Nephrology
- Neurology
- Pulmonology
- Gastroenterology
- Psychiatry
Eligibility
- All Rice Card Holders are eligible.
- Families eligible for YSR Pension Kanuka Card and Jagananna Vidya and Vasathi Deevena Card.
For other families, eligibility criteria include:
- Landowners holding:
- Less than 12 acres of wetland
- Less than 35 acres of dry land
- Total less than 35 acres (wet & dry)
- Households with an annual income of ₹5,00,000 or less (salary certificate proof).
- Income tax filers with an annual income up to ₹5,00,000 (income tax return proof).
- Employees earning ₹5,00,000 or less, including:
- Outsourcing/contract/part-time employees
- Sanitary workers
- Honorarium-based government employees
- Private sector employees
- Municipal Property Tax payers for properties less than 3,000 SFT (334 Sq. Yds).
- Households with only one personal car.
Exclusions
The scheme does not cover:
- Knee replacement surgeries
- Gamma-knife procedures in neurosurgery
- Bone marrow treatments
- Leprosy
- Filaria
- Assisted devices for cardiac failures
- Cardiac and liver transplants
- Malaria, HIV/AIDS, Tuberculosis
- Infectious diseases (e.g., gastroenteritis, jaundice)
Application Process
Online
- No separate enrollment required—all BPL families with a valid white ration card are automatically covered.
- Visit the Dr. YSR Aarogyasri Health Insurance Scheme official website.
- Login using your ID and password.
- Fill the online application form and attach the required documents.
- Review and submit the application. Keep a printout for reference.
- To avail benefits, visit:
- PHC/CHC/Area Hospital/District Hospital
- Any government hospital near you
- Health camps (carry your White Card/Health Card and medical reports).
- Directly visit network hospitals in case of emergency.
An ArogyaMithra is available at hospitals, PHCs, CHCs, and health camps to register patients and guide them for cashless treatment.
Documents Required
- Aadhaar Card
- Address Proof
- Income Certificate
- BPL Certificate
Frequently Asked Questions
- What is Dr. YSR Aarogyasri Scheme?
It is a health insurance scheme providing cashless treatment for low-income families in Andhra Pradesh. - How much financial coverage is provided under the scheme?
The scheme offers ₹5,00,000 per family per year. - Who are the beneficiaries under the scheme?
All Rice Card holders, YSR Pension Kanuka Card holders, and Jagananna Vidya and Vasathi Deevena Card holders. - What are the ailments covered under the scheme?
The scheme covers specialties like cardiology, neurology, nephrology, oncology, plastic surgery, and more. - How do I know if I am suffering from covered diseases?
Visit any government hospital, PHC, CHC, or network hospital for free screening. - What about coverage for other diseases?
The scheme covers pre-existing diseases but excludes some conditions like tuberculosis, malaria, and HIV/AIDS. - What is the role of government hospitals?
Government hospitals serve as screening centers and provide free treatment under the scheme. - Who implements the scheme?
The scheme is implemented by the Dr. YSR Aarogyasri Health Care Trust under the Government of Andhra Pradesh. - Who pays the premium?
The State Government of Andhra Pradesh covers the premium costs. - Is there an enrollment process?
No, all eligible BPL families with white ration cards are automatically covered. - Can all hospitals in Andhra Pradesh provide treatment under this scheme?
No, only empanelled government and private hospitals can provide treatment. - Is there any person to assist beneficiaries in hospitals?
Yes, ArogyaMithras are available in all PHCs, CHCs, government hospitals, and network hospitals to assist with registration and cashless treatment. - How can I recognize an ArogyaMithra?
ArogyaMithras wear uniforms with ID cards and are stationed at hospitals to assist beneficiaries. - What other services do ArogyaMithras provide?
- Help in registration and admission.
- Guide patients on treatment procedures.
- Assist in referral to network hospitals.
- How can I avail the benefits under the scheme?
- Visit any PHC, CHC, Area Hospital, District Hospital, or empanelled hospital.
- Present your White Card/Health Card.
- Consult with an ArogyaMithra for free treatment registration.