Aarogyasri Health Care Trust by the Government of Telangana

The rural population as well as the low-income families in the urban areas of the state of Telangana did not have access to advanced medical infrastructure earlier. They, hence, endured the health conditions they were suffering from for a long time. Many individuals who had cancer, or any kidney-related, heart-related, or brain-related health conditions were forced to remain untreated due to the lack of healthcare facilities in the region.

The government was constantly trying to strengthen the health sector of the state at that time. However, there were not enough medical professionals or adequate equipment to treat patients. Therefore, there was a gap between the number of sufferers of ill health and the capacity of the government to cater to the needs of the people. Due to this reason, the low-income groups could not afford medical services in private hospitals and would incur huge debts or end up losing their lives because of the non-treatment of the disease they were suffering from.

The state government of Telangana then introduced a health insurance scheme named Aarogyasri Community Health Insurance Scheme that provides health insurance coverage to Below Poverty Level (BPL) families. The scheme, that aims to cover the underprivileged from critical illnesses, is implemented by the Aarogya Healthcare Trust. The Chief Minister of the state chairs the trust. The trust, along with many experts from the fields of healthcare and health insurance, created a scheme for the benefit of the rural masses.

Aarogyasri Community Health Insurance Scheme:

The Aarogyasri health insurance scheme was created with the idea to provide financial aid to BPL families requiring hospitalisation, therapies, or surgeries in hospitals.

Features of the Aarogyasri Health Insurance Scheme:

The features of the government-funded health insurance scheme are:

  • Beneficiaries who require hospitalisation and surgery are covered for a sum assured limit up to Rs.2 lakh per year per family. A total of Rs.1.5 lakh can be reimbursed as part of the treatment for a single family member or all family members together. An additional Rs.50,000 is provided if the Rs.1.5 lakh is exceeded.
  • The scheme offers coverage for a range of procedures. All in all, 949 procedures are covered under the scheme. A few of the health issues and treatments that are covered under the scheme are:
    • Heart, liver, lung, kidney, pancreas-related health conditions
    • Burns
    • Post-burn contracture surgery
    • Polytrauma
    • Cancer – Radiotherapy, chemotherapy, surgery
    • Cochlear Implant Surgery plus Auditory Verbal Therapy (Coverage up to Rs.6.5 lakh is available)

Pre-existing conditions of the above-mentioned health issues are also covered.

  • All transactions made under the scheme are cashless. An individual need not go through the hassle of paying the bill and then requesting for a reimbursement of the spent amount.
  • In case the beneficiary undergoes diagnostic tests but does not end up going through a surgery or any major treatment, coverage will still be provided to him/her.
  • Primary healthcare facilities, network hospitals, and district hospitals have help desks with an Aarogya Mitra. The Aarogya Mitra will help the beneficiaries in the hospitalisation and claim process.

Exclusions of the Aarogyasri Health Insurance Scheme:

A few procedures mentioned below are excluded from the health insurance scheme:

  • Knee and hip replacement
  • Gamma knife procedures required for neurosurgeries
  • Liver, bone marrow, and cardiac transplantations
  • Assisted devices for heart failures
  • Treatments for:
    • Tuberculosis
    • Leprosy
    • Malaria
    • Gastroenteritis
    • HIV/AIDS
    • Filaria
    • Jaundice
    • Infectious diseases

Health Camp services:

The goal of the state of government is to create awareness among the rural population about the state health insurance scheme. Also, the state wishes to spread awareness about the different diseases existent around. Further, it is important for people to be aware of the free medicines as well as medical advice available to them under the scheme.

As part of the IEC activities, network hospitals of the scheme are required to conduct free health camps in order to take evaluation and treatments to the doorstep of the beneficiaries.

Some of the activities conducted by the health camps are:

  • Addressing the public on a microphone in public areas
  • Making advertisements on the radio
  • Playing audio-visual media
  • Distribution of pamphlets
  • Writing news articles and advertisements in daily newspapers
  • Putting up posters and banners
  • Conducting village meetings
  • Exhibits in general health, early detection of diseases, prevention of communicable and chronic diseases

Beneficiaries of the scheme are mobilised through the health camps conducted under the scheme. The Aarogya Health Care Trust will also conduct mega health camps at the revenue division level to make sure maximum number of people are aware of the scheme.

 4.5 / 5.0   by 6543 users
Used this product? Write a review >>

Cashless Treatment

Policy Coverage

Customer Service

Medical Coverage

Claim Experience

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Aarogyasri Health Care Trust Reviews

Page 1 of 50 1 2 3 4 5
  • Star Health Health Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    I taken a health insurance from STAR HEALTH on last 6 months back which was taken via online. It covers my whole family of 3 members for the total amount of 5. The premium amount need to pay of 12K. The tenure period of 1 year. I have not used this card much. I haven't done any claim yet.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 20, 2020
  • Bajaj Allianz
    Bajaj Allianz Health Insurance
    "Good policy "
    0.5 4.0/5 "Great!"
    I have taken a health insurance policy from Bajaj Allianz which was taken for my mother. Policy coverage value was Rs. 1L and the premium its a one time payment, i got a offer because i am maintain CREDIT SCORE good. Still there is a no claim and i paid 3 years back, during renewal time i am not getting any calls from insurance company. This policy covers 200 hospital 30-50% in all hospital can get a claim.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 20, 2020
  • Religare Health Insurance
    "Good insurance company "
    0.5 5.0/5 "Blown Away!"
    My personal need I taken health insurance from RELIGARE on 2 years back. Actually my previous company taken health insurance got lapse, hence for better option I continued with same need to pay the premium of 5K. It covers up to myself. The coverage amount of 5L, since there is no claim yet I got bonus of 10% so as of now 5.5L. They tied up with many hospitals and cash less treatment is applicable.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 19, 2020
  • Max Bupa Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    This is an individual policy, cover fro myself and this is from Max Bupa. Yearly i am paying premium of Rs. 3000 and the coverage value of Rs. 5L and still there is a no claim. Every year i am getting 5% no claim bonus and this is a life long policy. Its a tax benefit plan for major and listed hospitals can avail a cash less, if non listed have to pay then we can reimburse.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Royal Sundaram Health Insurance
    "Good insurer"
    0.5 4.0/5 "Great!"
    My employer has given me a health insurance policy from ROYAL SUNDARAM and they have provided me a coverage amount of Rs. 3L. It covers myself and my spouse are covered in this policy.The premium amount need to pay of 7.5K on yearly basis. They have a cashless facility with many hospital.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 19, 2020
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from STAR HEALTH on last year for my personal use, it covers my whole family of 4 members. The sum average value is 5L. I am renewing the policy by paying the premium amount of 14K on yearly. Many hospitals are tied with them and they provide cashless treatment as well.
    Was this review helpful? 0
    , rajahmundry
    Reviewed on Mar 18, 2020
  • Star Health Health Insurance
    "Average "
    0.5 3.0/5 "Satisfactory"
    For my personal purpose, I have taken a health insurance from TATA AIG on 3 years back. On yearly, I use to renew the policy which I need to pay the premium amount of 20K via online. It covers up to myself. The sum assured amount is 2.4L. They tied up with limited hospitals only and there is no cashless treatment.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 18, 2020
  • Oriental Insurance Health Insurance
    "Good policy "
    0.5 5.0/5 "Blown Away!"
    My company provides me a health policy from ORIENTAL insurance and this is a group insurance. Annual premium i am paying Rs. 4840 and still there is no claim and the coverage value is Rs. 2 lakhs. During the renewal time, i use to get reminder call from the support team.
    Was this review helpful? 1
    , kolkata
    Reviewed on Mar 16, 2020
  • review Health Insurance
    "Need online service "
    0.5 5.0/5 "Blown Away!"
    I am paying about Rs. 20k yearly for health insurance to PARAMOUNT. This is group policy and the coverage of Rs. 10L since 5 years i am using this health insurance. I went for a claim which was reimbursed. The main factor is they are asking lots of documents which they need to make it simple.
    Was this review helpful? 0
    , thane
    Reviewed on Mar 15, 2020
  • Bajaj Allianz Health Insurance
    "Okay"
    0.5 4.0/5 "Great!"
    I have received the Bajaj Allianz mediclaim policy from Bajaj Finserv on EMI basis. Cashless facility is available and am paying Rs.640 for a month. This policy is not available in the market. I wish if their executive were more polite and helpful. Its a self policy which covers 5L. Am renewing this policy from last 3years.
    Was this review helpful? 1
    , kochi
    Reviewed on Mar 15, 2020
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    Health insurance policy which i have taken from STAR HEALTH and this is a family floater policy. I am using since 4 years still there is no claim and this insurance will cover all types of critical illness. Annually i am paying premium Rs. 13000 and its a Tax benefit policy.
    Was this review helpful? 1
    , bangalore
    Reviewed on Mar 14, 2020
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    ICICI offered me a health insurance and this is a group policy which covered for Rs. 4L. This insurance will cover all types of critical illness and day care treatment, still there is no claim with ICICI Lombard. I can avail cashless treatment with the listed hospitals.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Mar 14, 2020
  • United India Health Insurance
    "Best policy "
    0.5 5.0/5 "Blown Away!"
    From United India Insurance, i have taken a health insurance. This is a group insurance and i am paying premium per annum Rs. 4900. This policy covers all critical illness and there is a no age criteria, I can use this policy for life long. It covers Tax benefit under sec 80D also network of hospitals are good.
    Was this review helpful? 0
    , kolkata
    Reviewed on Mar 13, 2020
  • United India Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    This is a group health policy which was taken through TATA AIG and the coverage value of Rs. 3L. I am paying premium yearly Rs. 6000. Its been one year and still there is no claim and this policy covers day care treatment and this can be used till life long.
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 13, 2020
  • Apollo Munich Health Insurance
    "OKAY"
    0.5 5.0/5 "Blown Away!"
    From Apollo Munich, i have taken a health insurance and this is a joint policy. The policy coverage value is Rs. 5L for a life long. I am paying the premium yearly Rs. 16k and still there is no claim on this policy. It covers all network of hospitals.
    Was this review helpful? 0
    , indore
    Reviewed on Mar 13, 2020
  • Star Health Health Insurance
    "WORST and WORST"
    0.5 0.5/5 "Unacceptable"
    Star health and Allied insurance cheaters don't go with this policy they are looting people worst and worst there are corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds ,corporate beggars- frauds
    Was this review helpful? 0
    , bangalore
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Nice Policy"
    0.5 4.0/5 "Great!"
    From my company side, they have provided me a health insurance from TATA AIG. I can do a cashless treatment facility in a network hospital hence i have fixed the appointment also. This policy covers only for myself. They have given me a coverage value of Rs. 3 lakhs. I don't have any claim experience till now.
    Was this review helpful? 0
    , chennai
    Reviewed on Mar 12, 2020
  • Star Health Health Insurance
    "Good products at affordable right pricing"
    0.5 4.0/5 "Great!"
    I love the way they communicate everything. Inclusions and exclusions were explained in a right way to help me choose right product at right pricing. i got a healthcare for my whole family without burning a hole in my pocket. recommended to all
    Was this review helpful? 0
    , mumbai
    Reviewed on Mar 11, 2020
  • Star Health Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    My friend has suggested to apply health insurance, so for my personal need I had taken a health insurance from STAR HEALTH on 10 months before. They tied up with many hospitals and it covers all city. There is cash less treatment and the policy includes 4 family members, need to pay the premium amount of 12K on yearly basis.
    Was this review helpful? 1
    , chennai
    Reviewed on Mar 10, 2020
  • review Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy is running with Aditya Birla Health Insurance. This is a family floater policy and i am paying premium around Rs. 14k yearly. Still there is no claim and this insurance covers all network of hospitals. This policy has some TAX benefits.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 09, 2020
Common Loader Icon
Page 1 of 50 1 2 3 4 5
reTH65gcmBgCJ7k
This Page is BLOCKED as it is using Iframes.