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Ayushman Bharat Arogya Karnataka Health Scheme

Ayushman Bharat Arogya Karnataka health scheme came into effect in Karnataka in 2018 to provide better health services to the residents of Karnataka. The scheme also aims to provide financial assistance in case of severe and other diseases and any kind of hospitalisation.  Additionally, the scheme also offers basic, secondary, and tertiary care as well as preventative health education to all residents. However, only residents having an Ayushman Bharat Arogya Karnataka card can acquire these benefits.

Schemes Covered Under Ayushman Bharat Arogya Karnataka 

Here’s a list of schemes that are covered under Ayushman Bharat Arogya Karnataka.

  1. Rajiv Arogya Bhagya Scheme

  2. Yeshaswini Scheme

  3. Rashtriya Bala Swasthya Karyakram (RBSK) Plan

  4. Vajpayee Arogyashree Scheme

  5. Rashtriya Swasthya Bima Yojana (RSBY) Project

  6. Senior Citizen RSBY Yojana 

  7. Indira Suraksha Yojana

  8. Mukhyamantri Santwana Harish Scheme

  9. Cochlear Implant Scheme

Features & Benefits of the Arogya Karnataka Scheme

Here are the multiple features and benefits of the Arogya Karnataka Scheme.

1. Better Medical Facilities

Since the objective of the Arogya Karnataka Scheme is to offer better health coverage to all, the residents will be provided with better medical treatments. 

2. Financial Assistance

Any individual that meets the criteria of ‘Eligible Patient’ would be given financial support up to ₹5 Lakhs per year for prescribed secondary, tertiary, complex secondary, and emergency healthcare.

3. Minimal Charges

In order to acquire Ayushman Bharat Arogya Karnataka card, applicants are required to pay a minimal fee of ₹10. In the case of a lost card, applicants can obtain a duplicate health card by paying only ₹20.

Who is Eligible for Arogya Karnataka?

The eligibility criteria for Ayushman Bharat Yojana Karnataka are divided into two categories:

1. Eligible Patient

An individual who is a resident of Karnataka and belongs to an ‘Eligible Household’ as specified by the National Food Security Act of 2013 is eligible for benefits under Ayushman Bharat Arogya Karnataka. This group should also contain the recipients mentioned in the SECC (Socio Economic and Caste Census) data as well as the previously registered residents of the  Rashtriya Swasthya Bhima Yojana (RSBY).

2. General Patient

The patient is a citizen of Karnataka but does not meet the criteria for an ‘Eligible Household’ as stated in the National Food Security Act of 2013. In such cases, the patient will receive half of the financial expenditures for his/her medical treatment. 

Moreover, there are some exclusions who are not eligible under Ayushman Bharat Arogya Karnataka. Let's have a look at them. 

Exclusions 

The following residents will be excluded from universal health coverage under Ayushman Bharat Arogya Karnataka card since they can obtain healthcare through other means.

  1. Individuals who are insured by the Employees' State Insurance Program

  2. Citizens insured by employer-sponsored health insurance programs

  3. People who have purchased their own private health insurance coverage

  4. Residents covered by the central government health scheme

  5. Professionals of the Karnataka government till the Karnataka Government Servants (Medical Attendance) Rules were amended

  6. Members of the Karnataka Legislature till the Karnataka Legislature (Members Medical Attendance) Rules 1968 were amended

Documents Required for Ayushman Bharat- Arogya Karnataka Scheme

In order to apply for an Ayushman Bharat card in Karnataka, following documents are required:

  • Ration card

  • PDS (Public Distribution System) card

  • Aadhaar card

If you don’t have an Aadhaar card, you must provide your ration card to avail of Ayushman Bharat Arogya Karnataka card benefits. With the help of this, you will be registered as a recipient, receive a card, and be granted to the benefits program for an ‘Eligible Patient.’ However, when you visit an empanelled private hospital after being referred by a government hospital, you will be required to produce an Aadhaar card.

Moreover, if you have an Aadhaar card but no ration card, you will be registered in the scheme but will be considered a ‘General Patient.’ As a result, you will get the advantages that a General Patient is entitled to under the scheme.

If you are unable to provide both documents, you will not be eligible to obtain any benefit associated with this plan. Parents enrolling their kids who are not above three years can use their own Aadhaar cards for registration. 

How to Enrol for Arogya Karnataka Scheme?

In order to enrol for Ayushman Bharat Scheme Karnataka, you must follow below given instructions:

  • Visit any private empanelled hospital, public health institute, or enrolment centres.

  • Ask staff for assistance regarding the scheme.

  • The professionals present will register you on the Karnataka Ayushman Bharat Scheme's online site.

  • You are required to pay a one-time fee of ₹10. 

  • Next, you must provide your PDS card to receive benefits under ‘Eligible Patient.’

  • Following that, you will be required to provide your Aadhar card number as well as biometric impressions.

  • The biometric data collected will then be utilised for authentication.

  • If your biometric imprint cannot be detected owing to technological difficulties, you may use alternative methods such as OTP, gathering data from the QR code, and retrieving data from the Food Department's database.

  • You must produce your ration card. The details on your ration card will then be compared to the information on your ration card that is maintained in the Food and Civil Service Database to establish if you fall under the definition of the ‘Eligible Category’ as stated in the National Food Security Act of 2013.

  • You will be registered as a ‘General Patient’ by default if you do not fall under the ‘Eligible Category’ or if you do not possess a ration card.

  • Once all the steps are completed, your Ayushman Bharat health card in Karnataka will be created. 

  • After that, you can complete the Ayushman Bharat Arogya Karnataka card download process to print your card. 

Ayushman Bharat Arogya Karnataka Card - AB-ArK ID

An Ayushman Bharat Arogya Karnataka health card is known as the AB-Ark Card, and the unique ID obtained during successful enrollment in the scheme is known as the AB-ArK ID.

The card contains the beneficiary's photo, name, unique scheme ID, and basic information. Beneficiaries can use this card to gain financial benefits such as cashless treatment at any public or private hospital in the state that comes under this initiative. If the Ayushman Bharat Arogya Karnataka card is not present during a hospital visit, the OPD registration can be completed by retrieving the AB-ArK ID using the person’s Aadhaar card or ration card. 

In the event that Ayushman Bharat health insurance in Karnataka is lost, a replacement card may be obtained at any public health facility or at the enrollment centre by providing an Aadhaar or ration card. Also, you are required to pay applicable charges of ₹20 for the same. 

Arogya Karnataka Scheme Hospital List

Here are the steps to check the list of government and private hospitals where you may receive cashless treatment under Ayushman Bharat Arogya Karnataka scheme.

  • Visit the official website of Ayushman Bharat-Arogya Karnataka.

  • Navigate to the ‘Hospitals’ tab and click on it.

  • You will be taken to a new page.

  • Now, select ‘District’ and ‘Type of Centre’ you wish to check and click on ‘Search.’

  • The list will appear on the screen.

Conclusion 

Ayushman Bharat Arogya Karnataka scheme was implemented to provide better health care to residents of Karnataka state and also financial aid for treatment. If you haven't applied for the card, now is the time.

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FAQs on Ayushman Bharat Arogya Karnataka Scheme

  • ✔️What are the documents required to register in the Arogya Karnataka Scheme?

    You are required to provide an Aadhaar card, ration card, and PDS card to get yourself enrolled in the scheme. 

  • ✔️What should I do in the case of a lost health card?

    If you have lost your Ayushman Bharat Arogya Karnataka card, you may obtain a duplicate health card by visiting any public health institution or enrolment centre in your state. You are also required to pay a fee of ₹20.

  • ✔️How can I contact the officials of the Arogya Karnataka Scheme?

    You may get in touch with the professionals at toll-free numbers 104 and 1800 425 8330, or email at jdark-hfws@karnataka.gov.in

  • ✔️Which schemes are covered under Ayushman Bharat Arogya Karnataka Scheme?

    Here’s a list of schemes that are covered by this initiative.

    • Rajiv Arogya Bhagya Scheme

    • Yeshaswini Scheme

    • Rashtriya Bala Swasthya Karyakram (RBSK) Plan

    • Vajpayee Arogyashree Scheme

    • Rashtriya Swasthya Bima Yojana (RSBY) Project

    • Senior Citizen RSBY Yojana 

    • Indira Suraksha Yojana

    • Mukhyamantri Santwana Harish Scheme

    • Cochlear Implant Scheme

  • ✔️Is the Arogya health card available to all residents of Karnataka?

    Yes. Ayushman Bharat Arogya Karnataka card can be availed by all the residents of Karnataka. Under this plan, BPL families receive free cashless healthcare, while APL households receive a 30% compensation for their medical expenses.