Dr YSR Aarogyasri Health Insurance Scheme – Check Benefits, Coverage, Eligibility & List of Diseases Covered under Aarogyasri

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.

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

 

Key Features and Highlights of Dr. YSR Aarogyasri scheme

Dr. YSR Aarogyasri Health insurance plan is specially designed to cater to the health needs of low-income families in the state of Andhra Pradesh. The plan has been a huge success mostly because of its distinct highlights as mentioned below:

• Collective Healthcare Access to Every Eligible Resident: The scheme offers universal healthcare access to every family and individual who is eligible under the plan.  It makes sure that every resident of Andhra Pradesh irrespective of their income group receives the best medical treatment in the state.
• All-inclusive Coverage for Wide-Ranging Treatments: The scheme ensures comprehensive protection against several health treatments which comprises diagnostic tests, surgeries, as well as other healthcare services. The plan also encompasses treatments for maternity care, critical care, cardiology, oncology, and more.
• Cashless Treatment in Network Hospitals: Dr. YSR Aarogyasri plan beneficiaries can avail of cashless treatment in the wide network of hospitals in the state. This is an excellent facility for the beneficiaries as they are not required to make any payments from their pockets. They can avail of the cashless facility for getting treatment of diseases during emergencies and under normal circumstances.
• Protect Beneficiaries from Disastrous Healthcare Expenses: When a health emergency strikes, the treatment expenses pose a threat to the financial equilibrium of a family. By covering the expenses of costly medical treatments, Dr. YSR Aarogyasri scheme ensures the monetary protection of the beneficiaries.
• Gives Emphasis on Preventive Care: The plan offers coverage against preventive screenings and health check-ups. The preventive check-up detects illnesses at an early stage and helps in getting early treatment. This lowers the possibility of diseases reaching an advanced stage. This way, the plan promotes preventive care.
• Specialized Medical care: Under the Dr. YSR Aarogyasri scheme, beneficiaries have access to focused medical treatment which includes critical illnesses, surgeries, organ transplants, cardiac treatment, and more. This makes sure that the beneficiaries receive the advanced and best treatments for such critical medical conditions.
• Post-Treatment Rehabilitation Services: Along with offering advanced treatments, Dr. YSR Aarogyasri scheme also recognizes the significance of post-hospitalization treatments. Hence, the scheme covers services like physiotherapy, speech therapy, etc., to support the recovery of beneficiaries.
• Transparency in Claims/Billing: The policy encourages transparency in treatment costs and billings. It supports beneficiaries from getting trapped by expensive and overcharged healthcare services.
• Backed by the State Government: Since the Dr. YSR Aarogyasri scheme is backed by the government, it makes the scheme reliable. It also reflects the commitment on the part of the Andhra Pradesh State government to care for the well-being of its citizens.
• Easily Accessible and Efficient: Dr. YSR Aarogyasri scheme allows applicants to enroll in the scheme via online and offline processes. The plan is well-designed and easily accessible. It puts healthcare within the easy reach of the eligible applicants.

Overall, the Dr. YSR Aarogyasri scheme allows peace of mind to the beneficiaries by giving them the facility to avail quality healthcare services in times of health emergencies.

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 Diseases Covered Under YSR Aarogyasri Scheme

Dr. YSR Aarogyasri scheme is an all-encompassing health policy that covers a great number of treatments that are generally not covered under many health insurance plans. You also get a good number of hospitals that are enlisted under the plan for cashless treatment:

Below is a list of treatments available under Dr. YSR Aarogyasri scheme:

Psychiatry	GastroEnterology	Endocrinology
Rheumatology	Dermatology	Pulmonology
Neurology	Nephrology	Cardiology
Pediatrics	Infectious Diseases	General Medicine
Critical Care	Prostheses	Polytrauma
Plastic Surgery	Radiation Oncology	Medical Oncology
Surgical Oncology	Neuro Surgery	Genitourinary Surgeries
General Surgery	ENT Surgery	Ophthalmology
Gynaecology & Obstetrics	Orthopedic Surgery and Procedures	Surgical Gastroenterology
Cardiothoracic Surgery	Pediatric Surgeries

 

Other Treatments Covered Under Dr. YSR Aarogyasri Scheme
 

Childbirth and Maternity Care	Maternity care covering prenatal, delivery, and postnatal services is included in the plan
Transplants	The Aarogyasri plan covers organ transplant procedures for various organs like heart, liver, kidneys, lungs, etc., under the scheme
Radiation and Chemotherapy