Dr YSR Aarogyasri By Government Of Andhra Pradesh

• The State Government of Andhra Pradesh named the YSR Aarogyasri scheme after chief minister Dr Y S Rajasekhar Reddy in the year 2007.

• Presently, the Dr Aarogyasri health care trust administers this scheme.

• Without spending any money, low-income families can access quality care in case of medical emergencies.

For your better understanding, below are the scheme's essential details:

Under the scheme, the state offers the following primary benefits to its policyholders:

• Cashless medical facilities: A key feature of this program is the availability of cashless medical services. Under the scheme, policyholders and beneficiaries receive a financial cover of ₹5 lakhs per family annually. An individual can use this policy in medical emergencies to avail of cashless hospitalisation benefits.

• Family-floater plan: Another benefit is that it offers health insurance coverage for the entire family, covering all family members under its Family-Floater Health Insurance Cover. Furthermore, an individual can avoid the cost and time of purchasing individual health insurance policies for each member. All healthcare needs can be met by one policy.

• Covers emergency hospitalisation: When a medical emergency arises that results in an instant (unprepared) need for hospitalisation, this scheme will help and be helpful to the beneficiaries. The scheme covers all hospitalisation costs under its financial cover.

• Covers Pre-existing diseases: Many health insurance policies exclude coverage for pre-existing diseases. In addition to pre-existing illnesses, the Dr YSR Aarogyasri scheme covers beneficiaries for certain pre-existing conditions, namely those for which the beneficiary was getting treatment before enrolling in the scheme.

• Covers OPD treatment: The scheme covers daycare procedures and in-patient hospitalisation expenses. Healthcare camps and daycare centres in the insurer's network offer cashless treatment for OPD treatments.

• Follow-up visits: Following hospital discharge, some treatments may require minor outpatient checkups. Such follow-up visits and procedures are covered by the scheme as well.

Under the Dr YSR Aarogyasri scheme, eligible families receive a YSR Aarogyasri Health Card. The card is accepted at empanelled hospitals in Andhra Pradesh and Telangana, providing access to cashless medical facilities. The card contains a unique card number, the cardholder's photo, and other information related to the beneficiary. During a medical emergency, the YSR Aarogyasri Health Card serves as proof of enrolment under the scheme.

The YSR health card offers the following benefits:

• If medical expenses exceed ₹500,000, the cardholder receives an additional ₹50,000 benefit.

• The scheme provides financial assistance for over 900 surgeries and medical procedures.

• Medical expenses incurred by the cardholder are reimbursable up to ₹500,000.

• The scheme covers critical illnesses costing up to ₹200,000.

• To obtain an Aarogyasri card, visit the official website of Dr YSR Aarogyasri Health Insurance Scheme (https://www.ysraarogyasri.ap.gov.in).

Listed below is the eligibility of the YSR Aarogyasri scheme.

• The eligibility criteria for enrolling in Dr YSR Aarogyasri's scheme are straightforward.

• A family native to Andhra Pradesh or Telangana may register under the scheme.

• A family should have an annual income below Rs. 5 lakhs.

• It is also necessary that they hold white ration cards.

• Members of Antodaya Anna Yojana are also eligible for Aarogyasri Eligibility.

There are a variety of treatments covered by Dr YSR Aarogyasri's scheme, ranging from simple medical procedures to unique critical care treatments. Generally, under this scheme, hospitalisation for kidney failure, neurosurgical diseases, cancers, heart diseases, etc., can be arranged through the cashless facility.

The following are a few examples of treatments for your reference:

• General Surgery

• Ophthalmology

• ENT Surgery

• Gynaecology & Obstetrics

• Surgical Gastroenterology

• Orthopaedic Surgery and Procedures

• Cardiothoracic Surgery

• Genitourinary Surgeries

• Paediatric Surgeries

• Neuro Surgery

• Medical Oncology

• Surgical Oncology

• Radiation Oncology

• Polytrauma

• Plastic Surgery

• Prostheses

• General Medicine

• Critical Care

• Infectious Diseases

• Cardiology

• Paediatrics

• Nephrology

• Pulmonology

• Neurology

• Dermatology

• Endocrinology

• Rheumatology

• GastroEnterology

• Psychiatry

The Dr YSR Aarogyasri scheme does not cover specific procedures. The scheme excludes the following diseases and procedures. In these cases, the beneficiary will be responsible for the cost of medical procedures:

• Knee replacement surgeries

• Medical treatment related to bone marrow

• Gamma-knife procedures in neurosurgery

• Leprosy

• Assisted devices for cardiac failures

• Filaria

• Liver and cardiac transplantations

• Malaria

• Tuberculosis

• HIV/AIDS

• Infectious diseases

• Jaundice

• Gastroenteritis

• Etcetera

Dr YSR Aarogyasri Health Insurance Scheme empanels several hospitals. The beneficiaries receive cashless hospitalisation benefits from these network hospitals. Here is a list of network hospitals that offer the scheme:

You can purchase Tata AIG's health insurance, whether or not you are eligible to join YSR Aarogyasri's medical insurance plan. A comprehensive health insurance policy can allow you to receive extensive coverage for medical emergencies and access to our 7200+ cashless network hospitals.

Moreover, you enjoy all benefits of health insurance when you can customise the policy, choose the coverage and the premium payments, and also avail of other benefits like the cumulative bonus when you do not file a claim on your health insurance policy.

As a state-run program, the Dr YSR Aarogyasri Scheme helps the financially challenged obtain healthcare benefits for a reasonable price. Secure your financial future and your loved ones using the scheme's benefits.