Dr YSR Aarogyasri Scheme – Aarogyasri Health Insurance Scheme Benefits, Coverage, Eligibility and List of diseases covered under aarogyasri

Looking to invest in health insurance? Know all about Dr YSR Aarogyasri health insurance scheme, its benefits, what it covers and who is eligible for the Dr. YSR Aarogyasri health plan.

Access to health insurance should be everyone’s right. To make this reality possible, state governments in India are making particular efforts to ensure that health insurance is reachable and accessible to every single person in their respective state. Dr YSR Aarogyasri Health Insurance Scheme is one such example. The scheme is run by the Andhra Pradesh state government to cater specifically to the healthcare needs of the economically weaker sections of the society.

Here we discuss the scheme in detail, talking about its benefits, coverage areas and eligibility criteria. Read on.

What is Dr. YSR Aarogyasri Scheme?

As mentioned earlier, this scheme is run by the Andhra Pradesh state government, specifically to help the economically weaker sections of the society avail of health insurance benefits. The scheme is named after the state’s Chief Minister Dr YSR Reddy who launched it in the year 2007.

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YSR Aarogyasri Scheme Details

Listed below are the key details of the scheme for your better understanding:

6 Benefits of Dr. YSR Aarogyasri Health Insurance Scheme

Here are the prime benefits offered under the scheme by the state to its policyholders:

1. Cashless medical facilities: This is one of the most important benefits offered under this scheme. A financial cover of Rs. 5 lakh per family is provided to the policyholders or beneficiaries under the scheme every year. This cover can be used in case of medical emergencies to avail cashless hospitalization benefit under the scheme.
2. Family-floater plan: Another benefit of the scheme is that it assures health insurance benefits for the entire family, covering each family member under its Family-Floater Health Insurance Cover. This also means that there is no need to buy individual health insurance plans for each member separately (which would be unnecessarily costly and time-consuming). One cover suffices the healthcare needs of all.
3. Covers emergency hospitalization: In case of any medical emergency that may arise an instant (unprepared) need for immediate hospitalization, the scheme comes of great help and use to the beneficiaries. All hospitalization costs can be covered under the financial cover provided as part of the scheme.
4. Pre-existing diseases covered too: Most health insurance plans may not provide financial coverage for pre-existing diseases. However, Dr YSR Aarogyasri scheme assures financial coverage to the beneficiaries for certain pre-existing diseases as well, meaning those for which the treatment had been going on for the beneficiary before they were enrolled in the scheme.
5. OPD treatment covered: Not just in-patient hospitalization expenses but even day care treatment procedures at the OPD are covered under the scheme. Cashless treatment for OPD treatments is available at the insurer’s network hospitals and health care camps/day care centers.
6. Follow-up visits covered too: Certain treatments may require OPD follow-up visits or small procedures after hospital discharge. The scheme covers such follow-up visits and procedures as well.

Also Read: What is Health Insurance with OPD Cover?

List of Diseases Covered Under YSR Aarogyasri Scheme

We discussed in detail the various benefits offered under Dr YSR Aarogyasri health insurance scheme. Now let us take a quick look at the list of diseases covered under aarogyasri scheme and provides financial coverage for:

1. Pediatric surgical procedures
2. Neurosurgery
3. Plastic surgery procedures
4. Endocrinology treatments
5. Pulmonology treatment procedures
6. General medicine procedures
7. Critical care treatments
8. Dermatological procedures
9. Gastroenterology surgeries
10. Orthopedic surgeries and procedures
11. Psychiatric treatments

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Exclusions of YSR Aarogyasri Health Scheme

We detailed in the above section all the diseases that are covered under the state-run scheme. However, there are certain diseases which the scheme does not provide coverage for. Let us look at these below:

• Malaria
• Tuberculosis
• Jaundice
• Leprosy
• Knee replacement surgery
• Cardiac transplantation
• Liver transplant
• Infectious diseases
• Gastroenteritis
• Filaria

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Who are Eligible for YSR Aarogyasri?

The following people can apply for Dr YSR Aarogyasri Health Insurance Scheme:

1. Those who possess white ration card
2. Those who fall under the category of municipal property tax-paying families
3. Those who are a native of Andhra Pradesh and Telangana
4. Those who possess less than 35 acres of land
5. Those with a total family income of < Rs. 500,000
6. Those who have only 1 car
7. Those who pay an income tax of up to Rs. 500,000

Also Read: 5 Best Health Insurance Policies for Senior Citizens

YSR Aarogyasri Hospitals List

A number of hospitals are empaneled under the Dr YSR Aarogyasri Health Insurance Scheme. These are called network hospitals and provide cashless hospitalization benefits to the beneficiary under the scheme. Here we present a list of the network hospitals covered under the scheme:

Also Read: Mukhyamantri Amrutum Yojana Eligibility, Coverage, and Benefits

4 Features of YSR Aarogyasri Health Card

In order to avail cashless hospitalization benefits under the scheme, a health card is issued to the beneficiary. This card gives them instant cashless facility at the various network hospitals listed above. The health card details the beneficiary’s unique card number along with their photograph. Some of the benefits of the YSR health card are:

1. In case of medical expenses higher than Rs. 500,000, the card provides an added benefit of Rs. 50,000 to the cardholder.
2. Around 900+ surgeries and medical procedures are financially covered under the scheme.
3. The cardholder is entitled to a reimbursement of Rs. 500,000 on the medical expense incurred.
4. Critical illnesses amounting to a cost of Rs. 200,000 are covered under the scheme.

To get the Aarogyasri card, apply online on the official website of Dr YSR Aarogyasri Health Insurance Scheme (website mentioned in the blog above).

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Summary

Dr YSR Aarogyasri Scheme is a state-run initiative to help the financially challenged seek healthcare benefits at an affordable price. Avail the benefits under the scheme and secure your financial future as well as that of your loved ones.

 

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