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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 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 to avail health insurance benefits. The scheme is named after the state’s Chief Minister Dr YSR Reddy who launched it in the year 2007.

YSR Aarogyasri Scheme Details

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

Name of the Scheme Dr YSR Aarogyasri Health Insurance Scheme
Who is it Meant For Andhra Pradesh residents
Official Website for Scheme Details https://www.ysraarogyasri.ap.gov.in
Scheme Named After Dr YS Rajashekar Reddy, Andhra Pradesh Chief Minister (2007)
Objective of the Scheme Offer quality healthcare services and cashless medical facilities to the low-income population of the state

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.

List of 11 Diseases Covered Under 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 specific diseases which the scheme 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

Exclusions of 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

Aarogyasri Eligibility Criteria

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

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:

Name of the Hospital Area in Andhra Pradesh
Dr YSR Memorial Hospitals Anantapur
Kamineni Institute of Medical Sciences Nalgonda
M N Hospital Guntur
Narayana Medical College Hospital Nellore
Sentini Hospitals Private Limited Krishna
Pushpagiri Eye Institute Hyderabad
Susrutha Peoples Hospital Mahabubnagar
Indu Cancer Hospital Nizamabad
Apollo Drdo Hospitals Ranga Reddy
Gk Hospital Adilabad

4 Features of YSR 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).

Read More: Pros & Cons of Health Insurance Portability

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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FAQs on Dr YSR Aarogyasri Health Insurance Scheme

How can I check my YSR status in Aarogyasri?

Here are the steps to check the status of your YSR health card under the scheme:
Go to the official website of the scheme to check the status.
On the home page, click on EHS.
Select Patients on the next page.
Click Health Card Status.
Choose the Employee ID or Pensioner ID.
Enter your details. Click Search.
The status of your card will be displayed on the screen.

Who are not eligible for Aarogyasri?

Anybody with land more than 35 acres (including wetland and dry land) is not eligible to apply under the scheme.

Who is eligible for YSR Bheema?

Any primary breadwinner of a Below Poverty Line (BPL) household in Andhra Pradesh between the age of 18 and 70 years can apply as beneficiary under the new YSR Bheema plan run by the state government.



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