Arogya Karnataka

What is Arogya Karnataka?

Arogya Karnataka is Karnataka's flagship universal health coverage scheme launched in 2018 — a state-specific integration of Ayushman Bharat PM-JAY with the earlier Vajpayee Arogyashree, Yeshasvini Scheme (govt portion), Rajiv Arogya Bhagya Scheme, RSBY, RBSK, Mukhyamantri Santwana Harish Scheme, Indira Suraksha Yojane, and Cochlear Implant Scheme. The scheme provides comprehensive secondary and tertiary healthcare coverage to ALL Karnataka residents through Suvarna Arogya Suraksha Trust (SAST) — implementing agency. BPL families: 100% free cashless hospitalisation up to ₹5 lakh/year at 1,500+ empanelled hospitals. APL families: 70-100% co-pay (state government bears the rest depending on procedure category — emergencies are fully free for all). Coverage includes 1,650+ medical procedures across 30+ specialties — cardiac, oncology, neurosurgery, orthopaedic, gynaecology, paediatric, etc. Arogya Karnataka is linked to ABHA Health ID for portability and seamless claims.

Who is Eligible for Arogya Karnataka?

• ✓ All residents of Karnataka — universal coverage (no income/category exclusion)
• ✓ BPL families: 100% free cashless hospitalisation at any empanelled hospital
• ✓ APL families: 70-100% co-pay depending on procedure category (emergencies fully free for all)
• ✓ Linkage to SECC 2011, BPL Ration Card, or Aadhaar-Karnataka residence proof
• ✓ Coverage extends to dependent family members (spouse, children, parents)
• ✓ Pregnant women, infants, senior citizens, road accident victims — priority coverage

Documents Required for Arogya Karnataka

How to Apply for Arogya Karnataka Online?

1. 1No separate registration required — Arogya Karnataka is automatic for all Karnataka residents
2. 2When hospitalised: visit any of 1,500+ Arogya Karnataka empanelled hospitals (government + private)
3. 3Show Aadhaar Card + BPL Ration Card at the hospital's Arogya Karnataka counter
4. 4Hospital staff verify eligibility on the SAST portal — generate Arogya Karnataka Card on the spot
5. 5ABHA Health ID is auto-created if not already held (free, takes 5 minutes)
6. 6BPL beneficiaries: 100% cashless — hospital directly bills SAST; no payment from patient
7. 7APL beneficiaries: pay 30% co-pay at admission; state government bears 70%. Emergency cases fully free for APL too
8. 8Treatment available across 1,650+ procedures: cardiac, cancer, neuro, ortho, gynae, paediatric, urology
9. 9Discharge with all medicines for 7-30 days included in package — no out-of-pocket expense for BPL

Frequently Asked Questions — Arogya Karnataka