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The Vajpayee Arogyashree Scheme, launched in 2009-10, stands as a testament to the Indian government's commitment to providing quality healthcare to its most vulnerable citizens. This scheme specifically targets Below Poverty Line (BPL) families in Karnataka, offering them cashless treatment for a range of critical and life-threatening ailments.

Introducing Vajpayee Arogyashree Yojana

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 Vajpayee Arogyashree 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 Arogyashree Scheme

  • Cashless Treatment: Beneficiaries can avail of treatment at empanelled hospitals without any upfront payments. The scheme covers hospitalization, surgery, and post-operative care for listed procedures.

  • Wide Range of Coverage: The scheme covers over 400 listed procedures, encompassing major surgeries, chronic conditions, and even organ transplants.

  • Focus on Tertiary Care: Vajpayee Arogyashree primarily focuses on tertiary healthcare, providing access to specialized medical services for BPL families who might otherwise struggle to afford them.

  • Network of Hospitals: The scheme has a wide network of empaneled hospitals across Karnataka, ensuring convenient access to quality medical care.

Diseases Covered Under Vajpayee Arogyashree Yojana

While the scheme covers a wide variety of diseases, some of the main ones are listed below:

  • Cardiovascular diseases

  • Cancer

  • Burns

  • Kidney diseases

  • Neonatal cases

  • Neurological diseases

  • Polytrauma cases

  • Renal diseases

Identification of the Beneficiaries

All ‘Below Poverty Line’ families living in Karnataka are eligible to take advantage of the benefits offered by the Vajpayee Arogyashree scheme. Identification of beneficiaries under this scheme is done through the government-issued BPL ration cards. The beneficiaries need to present their BPL ration cards at the time of registration and making a claim.

Eligibility Criteria for Vajpayee Arogyashree Scheme

To be eligible for the Vajpayee Arogyashree Scheme, individuals must:

  • Be a resident of Karnataka

  • Belong to a BPL family as identified by the state government

  • Possess a valid BPL ration card

Documents Required to Apply for Vajpayee Arogyashree Scheme

You will need the following documents to apply for the Vajpayee Arogyashree Scheme:

  1. Aadhaar Card

  2. Self-declaration

  3. BPL Card

  4. PDS Card

Application Process for Vajpayee Arogyashree Scheme

When you proceed for enrolment, your Aadhaar card is used to verify the biometrics against the CIDR Aadhaar server. Once authenticated, the e-KYC details are automatically filled in. 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 your registered Vajpayee Arogyashree contact 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 ₹10. Your photo, name and other details along with 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 and those in urban areas are a part of the scheme. A few of the Vajpayee Arogyashree scheme hospitals are mentioned below:

  • Karnataka Institute of Medical Science, Hubbali

  • Gulbarga Institute of Medical Science, Kalaburagi

  • District hospital Madikeri, Kodagu

  • K C General Hospital, Malleshwaram, Bangalore

  • Mandya Institute of Medical Science, Teaching Hospital, Mandya

  • Wenlock District Hospital Mangalore

  • General Hospital Hunsur, Mysore

  • Bidar District Hospital

  • Jayanagar General Hospital, Bangalore

  • Taluk Hospital Mudhol, Bagalkot

What is Suvarna Arogya Suraksha Trust?

The Suvarna Arogya Suraksha Trust (SAST) is a special-purpose vehicle incorporated under the Indian Trust Act, of 1882. It functions under the Karnataka Government's Department of Health and Family Welfare. The main purpose of Suvarna Arogya Suraksha Trust is to ensure a reduction in direct spending on healthcare using strategic measures.


One of these measures is to get super speciality private and public healthcare providers that will deliver better tertiary care to patients. It is also responsible for the management of various government schemes like Vajpayee Arogyashree scheme, Indira Suraksha Yojana, Rajiv Arogya Bhagya, Jyothi Sanjeevini Scheme, Rashtriya Swasthya Bima Yojana, etc.

Settlement of Claims Under Under Vajpayee Arogyashree Yojana

The Vajpayee Arogyashree Yojana is a cashless scheme, meaning the beneficiaries do not have to pay any money at the network hospitals. Instead, the insurer directly settles the hospital bills upon treatment. However, if the hospital bill exceeds the maximum claim amount, the beneficiary may have to pay the remaining bills out of their pocket.

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Who is eligible for the Vajpayee Arogyashree Scheme?

To be eligible, you must:

  • Be a resident of Karnataka

  • Belong to a BPL family as identified by the state government

  • Possess a valid BPL ration card

What documents are required to apply?

  • BPL ration card

  • Aadhaar card

  • Proof of residence

  • Medical records (if any)

How do I apply for the scheme?

Visit any empanelled hospital under the scheme and submit the required documents. The hospital will verify your eligibility and seek pre-authorization for treatment from the Society for Assistance to Sick (SAST). Upon approval, the treatment can be availed cashlessly.

What hospitals are empanelled under the scheme?

A complete list is available on the Arogya Karnataka Scheme website:

What diseases are covered?

The scheme covers over 400 procedures, including major surgeries, chronic conditions, and organ transplants. A complete list is available on the official website.

Is there a limit on how much treatment I can receive?

Each BPL family can avail treatment up to Rs. 1.5 lakh per year. In special cases, an additional Rs. 50,000 may be sanctioned.

Do I need to pay anything at the hospital?

No, the scheme provides cashless treatment at empaneled hospitals.

What if I need a higher quality stent or implant than what is covered?

Under Vajpayee Arogyashree, only standard implants and stents are covered. You may need to pay the difference if you choose a higher quality option.

Can I use this scheme along with other insurance schemes?

No, you cannot avail both Vajpayee Arogyashree and other insurance schemes for the same treatment.

How are claims settled under the scheme?

Hospitals submit claims to SAST for reimbursement after providing treatment. The claims are typically settled within 21 days.

Where can I get more information about the scheme?

You can visit the Arogya Karnataka Scheme website or call their toll-free number: 18004258330.

What happens if I am denied treatment or the hospital demands extra money?

You can register a complaint with Arogyamithra at the hospital itself or call the toll-free number mentioned above. You can also contact the district or regional-level authorities for assistance.

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