Karnataka government has launched Ayushman Bharat – Arogya Karnataka Scheme 2021 Portal at arogya.karnataka.gov.in, check hospitals list, capabilities & make login. After the official launch of Pradhan Mantri Jan Arogya Yojana by PM Modi at Ranchi (Jharkhand), Karnataka govt. has launched an integrated version of health scheme in the state. AB-PMJAY scheme of central govt. in integration with Arogya Karnataka Yojana of state govt. will now be called as Ayushman Bharat – Arogya Karnataka Yojana.
Suvarna Arogya Suraksha Trust will be the implementing agency for Ayushman Bharat Yojana in Karnataka to provide cashless treatment upto Rs. 5 lakh to BPL families and upto Rs. 1.5 lakh for APL families. Ayushman Bharat – Arogya Karnataka Health Scheme (integrated) will cover 1628 treatment procedures. There would be no limit on age and income and the eligibility criteria would be based on deprivation rather than caste or religion.
The state govt. of Karnataka has earlier decided to integrate Ayushman Bharat Yojana & Arogya Karnataka Yojana in the state and an MoU was been sent to the central govt. for approval which is now approved. PMJAY-Arogya Karnataka will be implemented with budgetary allocation of approx. Rs. 1000 crore. This Pradhan Mantri Jan Arogya Yojana (PMJAY) in Karnataka would benefit around 1.34 crore families in the state.
Ayushman Bharat – Arogya Karnataka Scheme 2021
The objective of the Arogya Karnataka Scheme 2021 is to extend ‘Universal Health Coverage’ to all residents in Karnataka State. Under this new Arogya Karnataka Yojana, primary health care, specified secondary and tertiary health care benefits will be provided.
Schemes Included in Arogya Karnataka Scheme
The current ongoing health schemes which would be included in Arogya Karnataka Scheme are as follows:-
- Vajpayee Arogyashree,
- Yeshaswini Scheme,
- Rajiv Arogya Bhagya Scheme,
- Rashtriya Swasthya Bima Yojana,
- RSBY for senior citizens,
- Rashtriya Bala Swasthaya Karyakram (RBSK),
- Mukhyamantri Santwana Harish Scheme,
- Indira Suraksha Yojane,
- Cochlear Implant Scheme
All these schemes will all be converged under this new Arogya Karnataka Scheme. With this health scheme, Karnataka is proud to be the FIRST STATE in the Country to declare and implement Universal Health Coverage to insulate Karnataka people from impoverishment as well as to ensure the overall health and well-being of the people of Karnataka.
Patient Enrollment under AB – Arogya Karnataka Scheme
For accessing the scheme benefits, the beneficiaries have to be enrolled in the “Arogya Karnataka” system. A patient needs to be enrolled at a PHI only once. When a patient approaches a PHI for the treatment, the enrollment staff of the PHI will be enrolling the patient on the enrollment portal developed for “Arogya Karnataka” and generate a unique ID called “ArKID”. The enrollment is based on a person’s Aadhar Card number. The patient’s biometric impression is captured on a biometric device and authenticated with CIDR Aadhar Server. The E-KYC details will be auto populated.
In case there is a failure in reading the bio metric impression of the beneficiary wishing to enroll, other options such as “OTP”, capturing data from the QR code and getting data from the Food Department’s database are provided. While benefits of the scheme can be availed in PHIs by the alternate methods provided for enrolment, producing Adhaar card/ number and authentication with the Adhaar database is mandatory for referral to private hospitals.
A mandatory consent will be obtained using a pre-printed self-declaration form from the enrolling beneficiary to use his details only for the purpose of enrollment. The self–declaration form will also containa section where in the beneficiary desiring to be enrolled under “Arogya Karnataka” scheme gives a declaration that he/she does not have aninsurance in any other scheme.
Patient Entitlement under Ayushman Bharat Arogya Karnataka Scheme
The PDS card decides the entitlement of the patient and is authenticated via a web service, with the stored PDS details in the Food and Civil Service Database to determine whether the beneficiary belongs to “Eligible Category” or not, as per the norms defined under the National Food Security Act 2013. Accordingly He will be categorized as ‘Eligible Patient”. If a beneficiary is not from the “Eligible category” as per the FSA or if the beneficiary does not have a PDS card, he or she will be automatically enrolled as a “General Patient”.
Once the E-KYC form is filled and the beneficiary categorization is completed, the beneficiary will become registered under the Scheme and will be given a unique scheme ID “ArKID”number. The generated unique ID number printed on a card will be provided on a payment of Rs. 10/- only for the first time to the successfully enrolled beneficiary. For reprinting the card on request of the enrolled beneficiary in case he has lost the card he will be given another card at a cost of Rs. 20/- only.
ArKID in Ayushman Bharat Arogya Karnataka Scheme
The unique ArKID will be the PDS card Number with a separator (-) and a sequential number for each member of the family that approaches a PHI for service and seeks to get enrolled. The UHC Card provided will contain Photo, Name, Unique Scheme ID and Basic Details of the Beneficiary. An SMS alert will also be sent to the Enrolled Patient to his mobile number wherever the mobile number has been shared with the registration personnel.
Once the Arogya Karnataka Scheme card is generated the patient can access the treatment under the “Arogya Karnataka” scheme. The beneficiary will not be required to carry his Aadhaar card or Food card the next time he visits the hospital for treatment. He will be serviced based on the Arogya Karnataka card.
Arogya Karnataka Scheme Eligible Beneficiaries
Eligible Patient: A patient who is a resident of Karnataka State and belongs to “Eligible Household” as defined under the National Food Security Act, 2013;
General Patient: A patient who is a resident of Karnataka State but does not come under the definition of “Eligible Household” as defined under the National Food Security Act, 2013, or does not produce the eligible household card. The treatment cost will be on co-payment basis.
How to Check Arogya Karnataka Scheme Hospital List
Here is the complete process to check Arogya Karnataka Scheme Hospital List:-
STEP 1: Firstly visit the official website at https://arogya.karnataka.gov.in/index.aspx
STEP 2: At the homepage, click at the “Hospitals” tab present in the main menu as shown below:-
STEP 3: Then the Arogya Karnataka Enrollment Center Details page will open as shown below:-
STEP 4: Select the district, type of center and click at “Submit” button to open Arogya Karnataka Scheme Hospital List.
Then the complete list of hospitals under Arogya Karnataka Scheme as shown above. This list contains the name of the enrollment center along with their code.
How to Make Arogya Karnataka Scheme Hospital Login
Here is the complete process to make Arogya Karnataka Scheme Hospital Login:-
STEP 1: Firstly visit the official website at https://arogya.karnataka.gov.in/index.aspx
STEP 2: At the homepage, click at the “Hospital Login” tab present in the main menu as shown below:-
STEP 3: The page to make Arogya Karnataka Scheme Hospital Login will appear as shown below:-
STEP 4: Here hospitals can enter username and click at “Next” button to Sign into start session.
Check Hospital Capabilities in Arogya Karnataka Scheme
STEP 1: Firstly visit the official website at https://arogya.karnataka.gov.in/index.aspx
STEP 2: At the homepage, click at the “Hospital Capabilities” tab present in the main menu as shown below:-
STEP 3: The page to make Arogya Karnataka Scheme Hospital Capabilities will appear as shown below:-
STEP 4: Candidates can select district, taluk, hospital name, speciality, procedure name and click at “Search” button to check Arogya Karnataka Scheme Hospital Capabilities.
Arogya Karnataka Scheme Earlier Updates
Here are the earlier updates regarding Arogya Karnataka Scheme as were announced on time to time:-
Cabinet Approves Ayushman Bharat Arogya Karnataka Yojana (Update as on 24 September 2018)
Karnataka cabinet has decided to implement integrated Ayushman Bharat-Arogya Karnataka Yojana in the state. Arogya Karnataka scheme has 1,516 procedures and Ayushman Bharat – National Health Protection Mission (AB-NHPM) has 1,349 procedures. By integration of these 2 schemes, the total number of procedures would become 1,628. The important features and highlights of this AB-Arogya Karnataka Yojana are as follows:-
- Financial assistance for BPL families – For BPL beneficiaries, the financial assistance under Arogya Karnataka Yojana was Rs. 2 lakh p.a. This amount has now been increased from Rs. 2 lakh to Rs. 5 lakh per family per year under Ayushman Bharat – Arogya Karnataka integrated health scheme.
- Financial assistance for APL families – For APL / General families who are not covered under NFSA 2013, financial assistance of 30% would be given. For APL beneficiaries, the financial assistance would still remain Rs. 1.5 lakh (30% of Rs. 5 lakh) per family per annum. In case of emergency tertiary treatment, if a family member is suffering from acute illness then an additional amount of Rs. 50,000 would be given.
- Budgetary Allocation – Ayushman Bharat – Arogya Karnataka is estimated to cost Rs. 1,000 crore. In this cost, the central govt. will bear Rs. 286 crore while the remaining amount 714 crore would be borne by the state government.
- Type of care covered – AB-Arogya Karnataka Yojana will cover beneficiaries for specified secondary care, emergency care, complex secondary care and tertiary care.
Ayushman Bharat Yojana covers all the people whose name appears in Socio-Economic Caste Census (SECC) data 2011. This yojana entitle people to avail cashless and paperless treatment of Rs. 5 lakh for secondary and tertiary hospitalization.
No. of Beneficiaries under Arogya Karnataka – PM Jan Arogya Yojana
In Karnataka, there are around 62 lakh families which are identified from SECC-2011 data under Rashtriya Swasthya Bima Yojana (RSBY), govt. will provide 60% of expenditure and 40% will be borne by the state government. Under Arogya Karnataka Yojana, the state govt. is already providing health care to 1.15 crore BPL families and 19 lakh APL families totalling to 1.34 crore families. Any person can check their name in PMJAY beneficiary list through the link – Check Your Name in PMJAY Final Beneficiaries List
Under Ayushman Bharat – Arogya Karnataka Health Scheme, central govt. will bear 60% of expenditure for 62 lakh RSBY families and 40% would be borne by the state government. For remaining 72 lakh families, the state govt. will bear 100% of the total expenditure incurred. People can visit the official website pmjay.gov.in for any further information on PM Jan-Arogya Yojana.
Arogya Karnataka – Universal Health Coverage Scheme(Update As on 3 February 2018)
Arogya Karnataka – Karnataka govt. is going to launch Universal Health Coverage Scheme (UHC) – Arogya Karnataka to provide health care facilities to every family. Subsequently all the families, irrespective of their income can avail the benefits of UHC Scheme. Accordingly, all the govt. schemes of the state govt. will come under a single umbrella under this Arogya Bhagya Scheme. This scheme will benefit all the residents i.e 1.34 crore people across the state.
This is a first of its kind initiative in the country. Accordingly, all the residents can avail cashless medical treatment in all government or govt. empaneled hospitals. Moreover, there is no cap on the medical expenditure on treatment in govt. hospitals. For this reason, govt. will issue UHC Cards to every family /individual. People can avail primary, secondary as well as tertiary hospitalization benefits under this scheme.
UHC Card for Cashless Treatment in Karnataka Budget 2018-19
The important features and highlights of Arogya Karnataka Scheme (Karnataka Budget 2018-19) are as follows:-
- This scheme is applicable for all people in Karnataka and is not dependent on their income.
- Subsequently, the primary objective of UHC Scheme is to ensure “Health For All”.
- Accordingly, people can avail cashless medical treatment in any govt. hospital without an maximum limit of expenditure. In addition to this, aarogya karnataka scheme will also remain applicable to other govt. empaneled hospitals.
- Karnataka Govt. will issue UHC Cards to all families / individuals to enable them to avail the benefits of this scheme. Moreover, govt. will issue separate Health Cards to people who are suffering from non-communicable diseases.
- Various department such as Rural Development and Panchayati Raj, Urban Local Bodies (ULBs) and Bruhat Bengaluru Mahanagara Palike (BBMP) dept will participate to successfully execute Arogya Karnataka Scheme.
- Karnataka govt. will take every possible step to ensure that patients would receive tertiary care facilities in govt. hospitals. This will reduce dependence of people on private hospitals for surgeries and other utilities.
Under this health scheme, people will have to firstly go to government hospital. In case the treatment is not available in govt. hospital, only then on the recommendation of doctors, people will get referred to private hospitals. Accordingly, state govt. will reimburse the expenditure amount to the private hospitals through Suvarna Arogya Suraksha Trust (SAST). In addition to this, people will have to make declaration that the person is not a beneficiary of any other govt. health scheme. Arogya Bhagya Scheme is an after effect of National Health protection Scheme announced by the Modi govt. which ensures “Health For All”.
Karnataka Arogya Bhagya Scheme to Launch on Nov. 1 (Update As on 3 Oct 2017)
The state government of Karnataka is all set to launch its much awaited universal health coverage Arogya Bhagya Health Insurance Scheme in the state on 01 November 2017. All the preparations for the launch of Arogya Bhagya scheme on Nov. 1 has been made by the government. The scheme will provide universal health coverage (UHC) to all the citizens of the state after launch.
The Arogya Bhagya scheme will make it easy for the people to avail free and cashless medical treatments. The cost of the treatment of the beneficiary of the scheme would be settled by the insurance company and not the beneficiary. In today’s times, medical treatments have become so costly that not everyone can avail those, especially people belonging to the economically weaker section.
Keeping in mind the increasing cost of medical treatments and economic status of people, Karnataka government has decided to launch the Arogya Bhagya scheme on November 1st, 2017. Universal health coverage or Arogya Bhagya will operate on the principle of “Treatment First and Payment Next”. The scheme got the state cabinet approval in last week of August 2017.
Arogya Bhagya Health Insurance Scheme
The main objective of the Arogya Bhagya Health Insurance Scheme is to provide free and cashless healthcare facilities to the people especially ones belonging to the economically weaker section and backward classes of the society. The scheme would be linked to the Aadhar numbers of beneficiaries to bring in the transparency and effectiveness to the whole implementation.
The free and cashless treatment under the scheme would be provided in all government hospitals and empaneled private hospitals across the state. Arogya bhagya scheme would also eliminate the duplication of fund release by merging 7 earlier health insurance schemes. The 7 older schemes which would be merged to form a single universal health coverage scheme are listed below.
List of Schemes to be Merged in Arogya Bhagya Yojana
- Rajiv Arogya Bhagya Scheme
- Vajpayee Arogyashree Scheme
- Mukhyamantri Santwana Harish scheme
- Yeshasvini Health Insurance Scheme
- janani shishu suraksha karyakram
- Rashtriya Swasthya Bima Yojana
- Jyothi Sanjeevini Scheme
Arogya Bhagya Scheme Application Forms
The enrollment in Arogya Bhagya scheme may be done by inviting applications from the citizens of the state. The application forms for Arogya Bhagya scheme might be invited through both online and offline modes. However there is no information about the application or enrollment procedure yet.
Once the scheme is launched, all the details about the Arogya bhagya application / enrollment procedure would be updated.
Arogya Bhagya Beneficiaries
The new scheme would provide health insurance coverage to about 13.4 million (1.34 Crore) households in the state which will be divided into two categories. The first category would include about 10.5 million households from categories including farmers, unorganized workers, Anganwadi (childcare center) workers, SC / ST, media professionals, teachers of aided schools, public servants and even sanitation workers.
The first category of beneficiaries would not be required to make any contribution towards the scheme as insurance premuim. The rest 3 million households would be covered in the second category and would be required to pay some insurance premium to avail the scheme benefits.
Arogya Bhagya Scheme Premium
The annual insurance premium amount would be different for both rural and urban households as following.
Rural Households: Rs. 300 per person per year
Urban Households: Rs. 700 per person per year
The state government would also fix the rates of various secondary and tertiary treatments which would be paid by the state govt. to the private hospitals.
Highlights of Arogya Bhagya Scheme
- The scheme would be launched in 1st November on the occasion of Kannada Rajyotsava day.
- Arogya bhagya would cover about 1.34 Crore households across the state.
- The scheme will merge 7 earlier healthcare schemes to form a single one and bring transparency and efficiency.
- The universal health coverage scheme would be linked to Aadhar number of the beneficiaries.
- Treatment under the scheme would be provided at both government and empaneled private hospitals across the state.
- The scheme beneficiaries would be divided into 2 different categories.
- Govt. would fix the rates of some treatments to be paid to the private hospitals.
More details about the Arogya bhagya health insurance scheme would be available once it is officially launched on 1st November 2017.
Karnataka Aarogya Bhagya Scheme Free Medical Assistance (Update As on 31 August 2017)
The Karnataka state government is going to launch a healthcare scheme named “Aarogya Bhagya Scheme” for providing free medical treatment to poor across the state. The government has fixed the target to cover around 14 million state households as a part of universal health coverage (UHC) under the scheme.
The mainstream of the scheme is to provide free healthcare services particularly to needy households in the state. The targeted people under the Aarogya Bhagya scheme mainly will be from socially and economically backward classes in the society.
Objectives of Aarogya Bhagya Scheme
The main objective of the Aarogya Bhagya health insurance scheme is to provide healthcare facilities especially to households belonging to socially and economically backward classes. The scheme will provide cashless treatment facilities at all the government hospitals across the state and selected empaneled private healthcare institutions and hospitals. Below are the main highlights of Karnataka Aarogya Bhagya Scheme
- The Universal health coverage (UHC) scheme will cover around 13.4 million households.
- The Aadhar card will be linked with the universal health card to leverage the healthcare facilities.
- The scheme will start on 1 November at Kannada Rajyotsava day in all districts of the state.
- The state government will merge seven different existing healthcare schemes in the Aarogya Bhagya scheme, accordingly to the official notification.
- This scheme will provide benefits to everyone without any discrepancy among APL and BPL card holders.
- The beneficiary of this scheme can get healthcare treatment in government as well as private hospitals.
Schemes to be Merged in Aarogya Bhagya
Below is the list of 7 existing healthcare schemes which will be merged into the new Aarogya Bhagya scheme for the better efficiency and transparency in the whole implementation of the scheme.
- Rajiv Arogya Bhagya Scheme
- Vajpayee Arogyashree Scheme
- Mukhyamantri Santwana Harish scheme
- Yeshasvini Health Insurance Scheme
- janani shishu suraksha karyakram
- Rashtriya Swasthya Bima Yojana
- Jyothi Sanjeevini Scheme
According to the notification, Aarogya Bhagya scheme the free healthcare facilities will be provided in two category for needy households across the state.
In first category, about 10.5 million households will be covered from different categories including farmers, unorganized workers, Anganwadi (childcare center) workers, SC / ST, media professionals, teachers of aided schools, public servants and even sanitation workers. Though, the beneficiaries of this category will not make any contribution towards the Aarogya Bhagya Scheme. The remaining three million households will be covered under the second category.
Insurance Premium of Aarogya Bhagya Scheme
The insurance premium amount of the Aarogya Bhagya Scheme has been decided and is different for households in rural and urban areas. People who are living in rural areas have to pay annually Rs. 300 per person and in urban areas Rs. 700 per person as insurance premium to avail the benefits of this scheme. Moreover, the state government is also planning to fix the rates for various secondary and tertiary procedures under the Karnataka Private Medical Establishments rules which will be paid to the private hospitals.
Additionally, to ensure the services in emergency cases including for both accidents and medical / surgical emergencies, treatment will be provided at the nearest hospital whether government or private under Treatment first and Payment Next program. The government has taken effective measures to ensure the better health and well-being of the citizens which are living in the state.
Contact Information
Department of Health & Family Welfare Services, Arogya Soudha, Madagi Road, Bengaluru, Karnataka, PIN Code: 560023
Toll Free No: 104
Help Line: 1800 425 8330
E-mail ID: www.karhfw.gov.in
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