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Vajpayee Arogyashree Scheme - Objectives, Coverage and Benefits

Lack of adequate health insurance has been proven to be responsible for high out-of-pocket expenditure which can pose a financial burden to those who belong to the lower economic strata of the society. It is to provide access to primary, secondary and tertiary healthcare at affordable rates that the government of India runs health insurance schemes across several states. Enrolment in these state specific insurance schemes ensures that the larger objective of Universal Health coverage to all Indians is realised with medical facilities available to the poorest of the poor. Take for instance the Vajpayee Arogyashree scheme, details of which are discussed below.

About Vajpayee Arogyashree scheme

The Karnataka Government launched the Vajpayee Arogya Shree Suvarna Arogya Suraksha Trust for those residing within the state. This health scheme offers families who rank below the poverty line or BPL subscribers, cashless medical treatment for several diseases including surgery and hospitalisation. Initially rolled out in the districts of Belgaum and Gulbarga, the reach of Vajpayee Arogyashree scheme was expanded to cover cities such as Mysore and Bangalore later.

Vajpayee Arogya Shree Scheme – Objectives

Treatment of chronic illnesses can lead to a family spending their hard earned money towards hospitalisation, surgical, diagnostic and therapeutic as well as post recovery expenses. The Suvarna Arogya Suraksha Trust scheme seeks to minimise the expenditure by providing quality medical care to poor households at reasonable rates with the state government incurring the entire cost of treatment.

Features of the Vajpayee Arogya Shree Scheme

If you live in either urban or rural part of Karnataka, you can easily enrol in the scheme to avail various benefits. Some of key details of Suvarna Arogya Suraksha Trust scheme are:

  • People of all ages can enroll in this scheme which has no upper age limit
  • Scheme benefits are available to a maximum of 5 members in a family
  • Each family is given an annual cover of Rs 1.5 Lakhs on a floater basis, on exhaustion of which an additional amount of Rs 50,000 is provided
  • All enrolled family members can use a single card to get free treatment with coverage for any pre-existing diseases
  • The scheme is fully funded by the state government and hence no payment towards premium is required
  • As many as 60 procedures are listed for follow-up treatment that a beneficiary has access to on a yearly basis

Disease coverage under the Vajpayee Arogya Shree Yojana

Cancer, burns, kidney, neurological and cardiovascular diseases as well as neonatal and polytrauma cases are some of the medical conditions that qualify for medical coverage under the Suvarna Arogya Suraksha Trust scheme.

Eligibility criteria

To be eligible for the Vajpayee Arogyashree - Suvarna Arogya Suraksha Trust scheme, a beneficiary living in the state of Karnataka should hold a BPL ration card provided by the Food, Civil supplies and consumer affairs department. Such households are defined as ‘eligible households’ according to the National Food Security Act of 2013. Those who do not fall in this category can avail treatment under this scheme on a co-payment basis.

Documents required

The PDS card or BPL ration card is used to automatically fill the e-KYC of the beneficiary and register him or her under the Suvarna Arogya Suraksha Trust scheme. The Aadhar card is an important document required for verification purposes. A mandatory self-declaration form stating that the person applying for enrolment is not insured in any other scheme also needs to be filled.

Application process

When you approach a PHI for enrolment, your Aadhar card is used to verify the biometrics captured by the staff with those of the CIDR Aadhaar server. Once authenticated, the e-KYC details are automatically filled. A unique patient ID called the ArKID is generated by enrolling the applicant on the official website of Arogya Karnataka.

An SMS alert is also sent to the registered mobile number confirming the successful registration of the applicant. The ArKID is the PDS card number followed by a separator and a number for each family member. You can get this unique scheme ID printed on a UHC card by paying Rs 10. Your photo, name and other details alongwith the ArKID are printed on the UHC card which you can carry to the nearest hospital for treatment.

List of Hospitals under Vajpayee Arogyashree Yojana

District and Taluka hospitals as well as those in urban areas are a part of the scheme. A few of them are listed below:

  • Karnataka Institute of Medical Science, Hubbali
  • Gulbarga Institute of Medical Science, Kalaburagi
  • District hospital Madikeri, Kodagu
  • K C general Hospital, Malleshwaram, Bengaluru
  • Mandya Institute of Medical Science, Teaching Hospital, Mandya
  • Wenlock District Hospital Mangaluru
  • General Hospital Hunsur, Mysore
  • Bidar District Hospital
  • Jayanagar General Hospital, Bengaluru
  • Taluk Hospital Mudhol, Bagalkote


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